Financial Itimidation

[RodSuber]

I get a little itmidated when I everytime I recieve my check...becuase I know Im going to be lacking.....

the reason is becuase of my expenses

I split my paycheck up in percentages
10% DEBT or SAVINGS not 10% DEBT i wud like it to go towards savings!
20% FRIVULOUS SPENDIING
60% EXPENSES..............
10% MISC

i dont bring in enough income to where I can adequately split this up...most of it goes towards expenses............so i am in a constant cycle of itimidation!!

 

[Tink]

Do you tithe?

 

[Cute Tink]

I think, perhaps, if you want to adjust the percentages so more goes toward savings, then you should look at your frivolous spending, which you show to be 20%. Perhaps you should sacrifice for a while and put that 20% toward debt until you can get the percent toward savings that you want.

 

[RodSuber]

I dont tithe I cant affprd to...if I do Ill havbe 20 dollars to spend........for two weeks I get paid biweekly! i only bring 300 every two weeks! amd plus my wife is unmemplyed so I have to help her with her expenses...

 

[Tink]

I dont tithe I cant affprd to...if I do Ill havbe 20 dollars to spend........for two weeks I get paid biweekly! i only bring 300 every two weeks! amd plus my wife is unmemplyed so I have to help her with her expenses...

What kind of job do you have? That's not even minimum wage...

 

[If Not For Grace]

Move the Big Rocks 1st!

Cut Expenses any way possible, Pay off Highest Rate Credit Cards 1st, and QUIT charging.

Start by getting rid of things you don't NEED... Caller ID? 3 Way?

Use a Clothesline (indoor rack) instead of a dryer on everything except perma press.
Turn your water heater down 5 degrees.
Car Pool
Make the groceries count-Meatloaf, Pasta Alfredo & Baked ham go along way..
Get Rid of Cable or Satellite TV-and get a deck of cards, board games, etc.
Brown Bag Lunches.
If you are not using it SELL it (Ebay, Amazon FaceBook) Old Books, CD's DVD's, Clothing

Get the DEBT gone and relieve the pressure-save your pennies & your $$ will follow.

 

[RodSuber]

THIS IS MY FINANCIAL MASKEUP as of now....reality

in 500.00 CREIDT CARD DEBT! Miscellaneous stuff (CAR TICKET 210.00) TUXEDO(80.00) (HOTEL forafter wed (200.00)....It was 900.00...but this monethly debt crap is geting to me........

*** Wifes Car just broke down a month ago and I had to get a firestone card because I didnt have the savings! It was 437.00
so thats 937 dollars in debt!!


SO THIS IS MY FINANCIAL MAKEUP:

400 Savings (the highest it has been 1200) but because of lack of savings for wedding expenses and car repairs....it has trickled down to this........

1300 I-Series Savings Bonds ( trying not to touch that...wanting to let it grow)

4000 Credit Card limit (500 of that card is debt)
3500 Credit Card Limit (150 card is debt) because I lost cell phone and had to pay for another one

((To add I stopped tithing))

Aspirations: to start my ROTH IRA this year