I'm a bartender, so a majority (read: 97%) of my monthly income is in cash tips. I try to go to the ATM as often as possible, 2-3x a week so I can see how much is in my checking account and pay bills from there.
But it's not working for me, and I'm not saving as much as I know I should be. I'm 24f student (not in the summer), but have to pay $1700 before I can register to take classes beginning in August, as well as $600 on my car. So $2100 immediately. My income is $3400/month, expenses ~$2000, leaving me with $1400/month. Admittedly I eat out more than I should, but don't shop often. I have an active social life so I like to have entertainment/fun money set aside.
Thanks to housing change, and no return security deposit, I am currently living "paycheck-to-paycheck". My one credit card is all but maxed at 1k (payments accounted for in expenses). I had a ~$4k emergency fund a couple years ago but now I have none. I just lost a relationship with my father who I would usually turn to for advice like this so I'm kind of at a loss. Any tips on how to pay off the $2100 with what I'm working with are appreciated, as well as any thing that changed your mindset on budgeting in your 20s. Thank you.
Submitted June 05, 2017 at 06:19PM by kaylalalas http://ift.tt/2sxjIqr
