Tyshawn Jamison
Showing posts with label save money. Show all posts
Showing posts with label save money. Show all posts
How I budget?
Budgeting NO ONE likes that word nor wants to do it! When people think of the word BUDGET, they think of Cheap Families. Well that may very well be the case, but I can tell you even the Richest of people more than likely budget, Businesses budget. So why as regular people can we not budget. For me I believe the reason why a lot of people cant budget is because they were never taught how to. They were around people who spent their money and never saved it; in turn it would be very hard for them to break out it.
I do admit that I was one of those people who didn't know how to budget and save money, and because of that I got myself into some really bad issues! DEBT! DEBT, is the worst thing that you can get yourself into and I am paying off my debt as we speak!
As I speak of my reasoning for budgeting, how I am recovering myself from the debt I have gotten myself into, I wanted to share I am able to do this on Income that sometimes is never really promised, and a monthly income of $1,000.
heres the breakdown of my expenses
Rent $600
Phone $94 T-mobile (T-mobile out all the companies that I have been with is the most reasonable Phone company I will breakdown why they are in another article)
Metro Card $120 month
Credit Bills $100
Spending $100
Savings $75
I break down each of these things into 3 different Accounts
Spending Account (checking account)
Bill Account (checking account)
Savings Account
After I break each of my expenses into the categories, I divide my pay check from job every week ( if I do a photo shoot thats extra money but I do the same thing with that as well)
Weekly Breakdown
$600-$150 weekly
$94 -$23.50 weekly
$120- $30 Weekly
$100-$25 weekly
$75- $18.50 weekly
now because I break this down into what my pay check allows me, I don't over spend money when I know I cant if there is extra there is extra but I try to stick to this, and I know I didn't include a FOOD budget because most of the time I am Couponing so I am getting FREE things!
Where to find coupons?
There are alot of ways to get coupons and several of them are free! As someone who coupons you want to make sure that you get at least 3-6 copies of these coupons; so that you can build your stockpile. This is because if say a bottle of Kraft BBQ sauce is on sale for $1 and you have -3-6 coupons that make it a dollar off you go home with FREE BBQ sauce.
Sunday Paper is one way to get coupons. The sunday paper contains Smart Source (SS), Red Plum (RP) or Proctor & Gamble (PG). When you order a subscription to your paper ask them two questions- Do they offer a Sunday or weekly only subscriptions? and Do they offer a discount if you buy multiple copies of Sunday’s paper? It is a huge benefit to have multiple copies of coupons.
There is also the options of printing coupons out from different sites.
A site that has helped me alot in my couponing http://thekrazycouponlady.com/
Blinkies
The little machines in the grocery isle with a red blinking light that hands out coupons.
Catalina Coupons
You know those extra strips of paper you get with each receipt? Those are Catalina Coupons and can be very valuable.
Peelies
Found sticking to the product itself.
Having too much month at the end of the money?
How can the common person over common this challenge?
Most try by getting a second job or a second mortgage or both.
However, the real answer lies in making the most out of your current income by starting and running a home based business.
Running a home based business can potentially save you thousands of dollars and make you money. The U.S. Congress has created laws the encourage individuals to be entrepreneurs to start and run their own business.
Business such as Apple, Coca-Cola, Microsoft, start at home and are now industry leaders.
Why not let that be you? Start today!
One thing is for sure, IF YOUR LOOKING TO BUDGET AND KEEP TRACK OF YOUR
MONEY USE LEARN VEST! I have Learn vest and it has to be the best thing
that has ever happened to me to help me learn how to budget and know
where my money is going. This is very FREE unless you choose otherwise
but for the most part I have the APP on my phone and its saved me.
Their mission is to help you feel amazing about your money.
LearnVest is a program for your money.
Whether
you want to budget better, save for big trips, maximize your
investments, or something in between, we’re here to help you make
progress on your money.
When you join the Action Program, you get:
- A dedicated financial planner who customizes your program
- A detailed financial Action Plan that breaks down your goals and next steps
- A Commitment Calendar with how much to put toward your goals each month
- Custom Challenges that break down your action items into bite size pieces
- Support, accountability, and unlimited email access to your Planner, all year round
- A custom Money Center to help you track your spending, saving, and progress
- Access to exclusive content and events for premium members
For more information please click the link below
Learnvest
Learnvest
H&M Bra $7
Matching Panty $1
Panty $1
Boy Short Panty $1
Total spent: $10
Purchased with my own Money
Purchased with my own Money
Rite Aid
buy one get 2 FREE!
I grab that deal
I used 2 MFR COUPONS Manufacture coupons
$1.50 off two
$0.50 off one
I spent $5.32 on 3 Detergents
I also got 4 bags of M&Ms holiday candy for $1.50 each
and Rite Aid gave me $4.00 Rite Aid Rewards
I used Manufacture Coupons
2 $1/2 M&Ms Candy
Purchased with my own money
Website and review below:
review below:
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