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comment by ButterflyEffect
ButterflyEffect  ·  3247 days ago  ·  link  ·    ·  parent  ·  post: Pubski: June 10, 2015

While we're on the topic of adult things, now that I have a place to live and know some utility costs and can estimate others I finally finished up putting together my first ever budget. It's a big ole spreadsheet that also calculates paying off my student loans (boo) and my inevitable getting a new (used) car. It's weird looking at something that says "you make this much but you'll be left with this much at the end of every month". The student loans are freaking me out more than anything else, what a scam.

In other news, today I'm making campground reservations and that's a lot more exciting.





_refugee_  ·  3247 days ago  ·  link  ·  

Wooooo! I love have an excel budget. It has helped guide me over nearly 5 years of working "IRL" or full time.

It makes me feel a lot better, like being able to steer a ship instead of just go where the tides will take me.

steve  ·  3247 days ago  ·  link  ·  

congrats! creating a budget is a tough first step for many people. sticking to it is the next.

I applaud your financial wisdom.

ButterflyEffect  ·  3246 days ago  ·  link  ·  

Thanks steve! (and _refugee_!). I don't think there's much of a choice in sticking with it beyond the tweaking that's bound to happen, I'm in way too much debt to afford otherwise (well, I can, but then I won't pay it off in the desired timeframe).

I read way too much r/personalfinance and it makes me feel like none of the budgeting and planning I've done is good enough.

More positivity: A couple of girls were checking me out when I was out at dinner so that felt pretty good.

_refugee_  ·  3247 days ago  ·  link  ·  

Steve you are Captain Positivity on this thread :) Thank you.

steve  ·  3246 days ago  ·  link  ·  

When people around me in the pub are growing and doing and accomplishing... It lifts my spirits. Any positivity you think is coming from me is actually just your positive awesomeness bouncing off of me back at you.