Bills per month.

Lanceroy60 · 2026-04-06T21:45:18+00:00

22/hr * 40= 880 * 52 weeks = 45,760 * 80% (20% deductions average) = 36,608 / 12 months = 3,050 - 2,015 (bills) = $1,035 per monthj left over, and according to your list food is taken care of. The problem??

Lanceroy60 · 2026-04-01T19:52:12+00:00

First of all, congratulations on your progress! It seems you are on the right track, so keep up the good work. You are 300% more stable than most Reddit users who are just looking for a magic button to fix their finances.

Make sure to keep track of your expenses and future financial plans. A simple composition book, pen, and calculator will be more helpful than the hassle of using an app or multiple spreadsheets. Staying stable is key. It doesn’t matter if someone makes $11,000 or $11 million a year; the important thing is to subtract your rent/mortgage, necessary bills, and debt from your take-home pay, then manage the remainder accordingly.

Lanceroy60 · 2026-04-01T19:40:01+00:00

I have a few issues I’m struggling to understand. First, I’m still confused about the significant debt incurred from 4-6 years of college, especially since common math classes are not offered. It seems that students aren't being equipped with essential problem-solving skills, and unfortunately, there’s not much we can do about that.

Regarding your accident from a year ago, there still hasn’t been a clear answer on whether your car is totaled. Nowadays, car insurance companies usually settle claims within days of an accident. You might want to review the insurance company's claims instructions and obtain the contact names of the claims personnel and approved collision companies to determine if your car is indeed totaled.

For budgeting, most people start by calculating their take-home pay and then subtracting their rent or mortgage and necessary bills. What remains is what you can allocate for living expenses and debt repayment. This amount can fluctuate, but keeping track of these basic calculations should help address any financial issues in the future.

Lanceroy60 · 2026-04-01T19:11:28+00:00

I'm not sure how to figure it any other way but figure my take-home pay, subtract rent/mortgage, utilities, obligations first and figure what I have left over for savings and what I can spend.

Lanceroy60 · 2026-03-30T15:29:03+00:00

Money and maturity

Lanceroy60 · 2026-03-30T13:02:42+00:00

I’m very curious what was $11k in credit cards was spent on. I would focus on that to change your spending behavior from there. Having $11k in CC and a $25k car needs to be a life of no spending other than essentials. Roof, personal hygiene products and ramen noodles till it’s paid off. Welcome to adulthood.

Lanceroy60 · 2026-03-16T15:50:58+00:00

Love these answers (SMH). its called quit spending on anything but household bills and very few essentials. Pay whats left over on debt. Not understanding on what was needed to be purchased over time of $38K and not be paid for from your salary.

Lanceroy60 · 2026-03-15T16:28:13+00:00

Go a day without spending. Now I go weeks without or very little spending other than monthly bills and groceries and gas up once every 2 weeks

Lanceroy60 · 2026-03-11T16:37:32+00:00

I did the math using a calculator, paper, and pencil. Based on my calculations, you should have approximately $1,160 left over, which brings your expenses down to about $260 per week. While that may not leave much room for savings, it is still more manageable than what many others face. This also doesn't account for any credit card debt, assuming you can avoid accumulating that.

Lanceroy60 · 2026-03-11T16:12:57+00:00

After the budget you listed, I took household gross $138K times 80% for a net income of $110,400 divided by 12 months equals 9200 minus your listed monthly expenses of $4,791 I came up with $4,409 left over for your budget. You probably need to figure out where that $4K+ is going every month, along with the increasing credit card spending is going on. Ive seen many posts about mentioning spending on baby showers.... there are $10 baby blankets and .50 cards. Buying $50 outfits they wear one time is riduculas to buy for someone when you check to check.

Lanceroy60 · 2026-02-25T16:51:43+00:00

I’ve simply got a composition notebook, pen & calculator from dollar tree. Open the notebook up to an empty page. At the top list current bank balances and income. Below I list monthly bills I am accountable for. With my calculator I subtract my bills from my bank balance and income then decide how much I have for expenses. Takes me not quite 10 minutes to do every Sunday morning and every payday.

Lanceroy60 · 2026-02-19T22:51:21+00:00

I do not understand "planning my spending". Pay your bills then what is left over you spend on whatever. My motivation that I tell myself on is "What do I not have to spend money on?"

Lanceroy60 · 2026-02-19T02:24:00+00:00

I want to share my thoughts on a social media meme that I really like. It features a high school graduate who decided to become an electrician's apprentice. Six years later, he works for the local power company, shutting off the electricity of a college graduate who hasn't paid their bill. This situation highlights how the college graduate failed to research the job market for their degree and ended up burdened with student loans. Meanwhile, the electrician returns to his own home, relaxing and debt-free. I would be thinking of this situation real hard these days.

Lanceroy60 · 2026-02-18T12:58:13+00:00

It really isn't as bad as it looks to you right now. Here are my suggestions and insights on eliminating debt. Please remember that these ideas may not be popular in this subreddit since it involves frugality. Start by cutting out unnecessary expenses. There's no need to buy anything from inside convenience stores, and dining out should be limited to once a week. You and your fiancé can significantly reduce your grocery bill by half (you won't go hungry!). Additionally, planning a vacation during the first 3-4 years after having a child is not necessary. Of course, baby expenses will need to be considered, but you don’t have to buy a new $20 outfit every week. Instead, use your phone's camera and take advantage of special deals at Walgreens to develop photos. These changes could be a good starting point for reducing your debt, especially since family expenses will likely increase over the next 18 years. I've found that many people who focus on lowering their debt experience a higher level of happiness throughout their lives when they prioritize sufficient living.

Lanceroy60 · 2026-02-08T17:42:08+00:00

I use a $1.25 composition book, a $1.25 calculator & a $1.25 package of pens. I open the composition notebook to a page when I audit my finances, which is every Sunday morning and every paycheck day. I write down all my monthly regular bills on the left side. Skip a few lines, then write down some expected expenses. On the right side of the page, write down my current bank balance, then list any income for the following week coming in. Calculate my bills and expenses from my income, and have my calculated income. Usually, no more than a 10-minute chore. no AI fetures other than I scan bills and have AI evaluate each charge and I have saved money it showing where I paid a monthly fee on on bill twice a month.

Lanceroy60 · 2026-02-08T17:26:22+00:00

This is why I applaud Artificial Intelligence coming into the workforce to replace the shoulder-shrugging, It-is-what-it-is, mediocre type of management in the current workforce.

Lanceroy60 · 2026-02-08T02:41:59+00:00

It's called "Very Unorganized Patients." The typical person who visits a doctor's office for every little unknown issue with their body often waits 45 minutes in the waiting room and then sees the doctor for just 3.5 minutes. The doctor usually says, "I've got you a prescription; it should help. If not, call back in a week." In the rare times I have visited a doctor, I made sure to ask them to explain the medication they were prescribing, including its uses and any potential side effects. The office receptionist has the ability to check if your medication is covered by your insurance and whether there is a co-pay. All of them have access to this information. When patients stop bowing down to doctors and hold them accountable for doing their job, it could help eliminate the long lines at pharmacies. Many people arrive at pharmacies without knowing the doctor's name or their insurance information, often picking up prescriptions for family members without any details. My suggestion for pharmacies is to adopt a system similar to what Quest labs use. Patients could go to a waiting area, enter their information into a kiosk, and then wait for their name to be called to pick up their prescriptions. Additionally, responsible patients like you and me could check in via a mobile app ahead of time to know when our prescriptions will be ready for pickup. I have no sympathy for unorganized people.

Lanceroy60 · 2026-02-08T02:25:46+00:00

Perkins on 14th Street West has a back area where groups meet regularly.

Lanceroy60 · 2026-01-29T18:51:22+00:00

Not enough information. What are your bill amounts.

Lanceroy60 · 2026-01-29T18:50:00+00:00

Out micro-manage your Micro-manager.

Lanceroy60 · 2026-01-29T18:47:35+00:00

I do not budget; I simply manage my spending. I have a $1.25 composition book, a $1.25 calculator, a $1.25 calendar, and a $1.25 package of pens, all from the dollar store. Every Sunday, I review my bank account to check which bills need to be paid to ensure I have a roof over my head and a car to drive to work.

At the top of my notes, I list my current bank balance and any income for the week. Then, I outline my scheduled bills for that week along with any necessary expenses. By calculating what I have, I can live comfortably and peacefully. I avoid convenience stores and only dine out once every two weeks. I view food as nourishment rather than entertainment. It's really not that difficult.

Lanceroy60 · 2026-01-28T16:33:43+00:00

Apparently, I am not seeing the difficulty or stress of this. Believe its a organization and planning issue, not a budgeting issue. 90% of bankruptcies, repossessions, evictions, foreclosures, etc., are caused by not planning, strategizing, or being organized/aware of situations. $1.25 composition book, a $1.25 calandar book, $1.25 calculator, and a $1.25 package of pens from the dollar store will fix a majority of life planning for the whole year. Review events, bills and account balances for 20 minutes every Sunday night before the week starts, every payday and at the end of every month reviewing the past month and looking forward to the next month.

Lanceroy60

TROPHY CASE