Looking for advice on where I can save more or spend less. I know a lot of this could be subjective, but I would love some outside perspective and general input. I think my budget is fairly decent, but I could be overlooking some obvious things.
Info:
- 25, currently rent a place with my partner
- 100K base salary
- 7 Month Emergency Fund
- Groceries, Rent, Utilities, and Internet are split evenly (so my budget only reflects my share)
- 24K Federal Student Loans (On pause until September. Min payment was $315)
- Paid off vehicle
Savings goal:
- Buying property in like 10ish years
- Retirement (maybe FI, don't know yet)
- Buying EV vehicle at some point
Savings
| Expense | Monthly Budget |
|---|---|
| 401k | 450 |
| Brokerage | 300 |
| Crypto | 120 |
| Emergency Fund | 110 |
| Roth IRA | 500 |
| Student Loans | 800 |
| HSA | 100 |
Necessities
| Expense | Monthly Budget |
|---|---|
| Next Apartment Move | 200 |
| Car Insurance | 102.63 |
| Car Maintenance | 100 |
| Cellphone Plane | 23.24 |
| Gas | 43 |
| Groceries | 275 |
| Health Insurance | 89 |
| Household and Toiletries | 60 |
| Internet | 19.99 |
| Misc Expenses | 75 |
| Rent | 650 |
| Renter's Insurance | 22.75 |
| Utilities | 60 |
| YNAB | 7 |
Wants
| Expense | Monthly Budget |
|---|---|
| Amazon Prime | 12.20 |
| Clothing | 70 |
| Computer and Electronics Upgrades | 84 |
| Fun Money | 350 |
| Furnishing and Appliances | 60 |
| Generosity (Gift giving) | 50 |
| Google One | 1.77 |
| Gym Membership | 29.99 |
| Haircare (Barber + Locs) | 190 |
| Hobbies | 100 |
| Netflix | 9.72 |
| New Phone | 50 |
| Therapy | 80 |
| Vacation | 200 |
| YouTube Music | 10.79 |
Submitted June 29, 2021 at 08:30AM by movieboy711 https://ift.tt/363yVVb
