Successful budgeting requires that you follow these three rules:
Decide how much you can afford to spend each month, both overall and in a variety of categories, including rent, utilities, clothing, health care, personal care, etc.
Track your expenditures day by day, month by month, to assess whether you’re staying within the boundaries you’ve set for yourself, [...]
I’m deeply in the red. Deeply, deeply, deeply, and with little hope of digging myself out in the foreseeable future. As a 26-year-old with a graduate degree and a number of marketable skills, the extent of my debt is a little embarrassing. Especially considering my salary, which is low, and my tastes, which are expensive.
I’m learning to be fiscally responsible on a tight budget with a lot of debt - and bad spending habits that, in the past, have gotten me into trouble.
I figure there are others out there like me. That is the point of this blog. I'm learning how to get my finances in order, from saving on student loan payments to cutting a few bucks off my grocery bill. I’ll track my fiscal situation openly and honestly, sharing advice and news and real-life anecdotes, with the goal of helping you and me attain a bit more financial stability.
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