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Something that helped me when I was in ye early days of married budgeting was dividing stuff out to a daily level. People think about things a day at a time. You don't think on Sunday night "I will spend 40-50 hours in the next 5 days at work", you think "I'm working from 8 to 5 for the next five days, and will probably have 3-5 hours of leisure time each day after work". Thinking of big sums a month at a time can be abstract, and that's when the surprises hit you. I divided up my income to a daily rate. I'm salaried, so that's easy to do. Prioritize them in order of "most necessary" to "least necessary" OK, so out of the $150 of gross income today: $24 goes away for taxes $25 goes to rent $18 goes to my car payments + registration/insurance (all of which are easy to estimate) $6 goes to fuel for commute + whatever else $4 goes to my student loan minimum payments $9 goes to to health insurance/HSA $20 goes to food $20 goes to retirement & long term savings $4 for phones and internet ... I only have $20 left after everything else that MUST HAPPEN has been spoken for. (and I still haven't bought soap, laundry detergent, clothing, etc.) So buying another Lord of the Rings LCG core set for $28 to get four more Gandalfs is a whole day and a half's worth of money. If I want to buy a GTX 970 for $340, that's 17 days of money if I'm spending money on literally nothing else besides my baseline expenses listed above during that time period. Puts your income in a better perspective to look at your free cash flow. In the above example, yeah, I earn $55k/year, but I only control ~$7,300 a year. Spending $250 on a Steam sale means I've spent 3% of my annual income. 
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Jul 21, 2015 00:30
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| # ¿ May 10, 2024 18:22 |
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signalnoise posted:RE: Internet Do yourself a favor and set up Chrome Remote Desktop, it will make your life much much easier.
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Aug 12, 2015 02:11
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