Okay, for starters-I recently had a job change. I did residential real estate for a while, and now I'm working salaried for a year with a home builder so I can secure a position with them after this salaried year is over. I am very used to being on commission and just earning a sale if I need money quickly, so this salary thing makes me feel kind of trapped. I'm not sure if its mental or whats wrong with me but I feel like I can never end up actually saving; I had a hard time with that prior to being salaried. I started this job 2 months ago. Timing being lovely, this last month (May) specifically sucked. I managed to get into a car accident, have to switch apartments, pay for school (I'm going out of pocket, don't qualify for scholarships don't want a loan), and went through health complications, FULLY wiping my savings after the fact. That being said, here are my expenses:
About $2,600 comes in after taxes. I have two roommates.
Rent: $530 Car/Insurance: $550 Loan (IRS, car accident): $150
After all my "needs" I'm left with about $1,430. I have two credit lines that are each about $35 a month. I have a hulu and apple music script for about $10 each a month. I spend about $50 a week on gas (I drive far for my job). I can't think of anything else permanent that is monthly.
This combined with me being a shopaholic makes me worry that most of my money will slip through my fingers. How can I budget this and make sure I don't screw up? How much of this should I actually be saving vs spending?
For example, this month I have a few additional expenses-$99 in tolls, $99 oil change, $250 for my glasses, more med stuff, leaving me with about $390 to my name until the 15th with $100 emergency. I get paid once a month.
I apologize if this is redundant-but any advice greatly appreciated. I am beginning to feel no matter how much money I make I will always feel trapped.
Thank you again.
Holy goodness I just remembered things like 401K and buying a house. Terrifyingly intimidated.
Submitted June 18, 2017 at 10:49PM by sadmeeseeks http://ift.tt/2sNA29j
