Friday, April 6, 2012

Budgeting: Envelope System

I NEED to establish a budgeting system ASAP!! I've heard about the envelope system.  I'm gonna try that.  That's where every penny you earn has an envelope and you use that money in that envelope ONLY for that item.  They have an app for it online, but I'm gonna try the paper envelopes first.  I got my first full paycheck yesterday and it was $1200 gross and $815 net.  When I took out money for all of my expenses, I only have about $150 left over for food.  I HAVE GOT to pay my student loan and car loan.  That's eating up about $600 of my money each month.  My car loan will be paid soon, so that will leave me paying only $300 a month for my student loan.  Even if I did pay rent and the electric bill I would not be able to afford to live because that $150 left over does NOT include rent and electric.  I've only been working full time for less than a month and I already NEED a raise.  THANK GOD for my free apartment and free electric bill!!

In other news.....

I hate when the Orkin man comes.  It's usually during a time where my apt is really messy, like yesterday.  There were clothes that needed to be washed pilled up on the floor, blankets on the sofa where I sleep, fastfood bags on the floor.  I'm not nasty, just cluttery.  Since I don't have a bed, I don't sleep in my bedroom and it kind of serves as a storage room.  Even though I've been here for a year, I've never really unpacked all of my stuff because I have no where to put my stuff.  I'm still kind of living out of boxes.  I've hung my clothes (those that can fit in the closet) and the rest is kind of on the floor in piles.  I have no room for all of them, nor for my shoes.

So, the Orkin guy comes by and I'm scrambling to pick clothes off the floor.  He is knocking on the neighbors's doors and I tell him that I'm the only one living on this floor.  Then he tells me that in one of the apartments there was so much stuff left.  So I decided to go over there.  Boy, she must have left in a hurry because she left a microwave, crock pot, photos of her children, a nice T-mobile cell phone, money (all change, but it was a lot of change), cabinets full of food, etc.  I thought I was in a store.  Since the stuff was abandoned I didn't think it was stealing, but I took the microwave and crockpot.  She has all types of dishes, but I don't need those.  She even left a vaccuum cleaner.  I was gonna go through the cabinets to get some of the can foods, but I didn't want to be greedy.  But I needed a microwave.  I kind of wanna take the cell phone to sell it, but I don't know how.  I'm not even sure if it's worth it.  It didn't have a power cord, but it looked new.  The box was still there.  I guess I understand how a person can leave everything.  If it wasn't for me, my sister would have been leaving all of her stuff.  But, instead it's stored here.  When I moved, I knew that I would not have been able to afford new stuff so I put my stuff in storage.  I didn't want to lose ANYTHING.  I was already losing my home.  I gave away what I could--my bed, TV and other small appliances.  But that was only because I didn't have room to store.  I don't know where this girl moved too, but she left some valuable stuff--her child's pictures.  Man, I would NEVER leave that intentionally.

1 comment:

  1. Guaranteed payday loans offers the quickest cash inside the marketplace these days.

    ReplyDelete

How Does That Affect Your Values?

 I met this guy..... Oh boy..... We shall call him Dell. Dell and I met online on FB dating about a week before Christmas. During that time ...