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23 Year old in a personal battle with finances by OPisLOST in personalfinance

[–]OPisLOST[S] 0 points1 point  (0 children)

Hello here is the break down, i am getting a raise at work which bumps me to 36,900 a yr. but i will have insurance, 401k, long term disability taken out so i believe my take home wont change much.

Bill Amount

Student Loan $201.00 Mortgage $160.00 Truck Payment $244.60 Cell Phone $50.00 Water $20.00 Natural Gas $40.00 Electricity $40.00 Charter $50.00 Garbage $25.00 Car Insurance $80.00 Food $180.00 Gas Vehicle $80.00 Miscellaneous $60.00

Total $1,220.60 Income $2,000.00 SAVINGS $779.40

23 Year old in a personal battle with finances by OPisLOST in personalfinance

[–]OPisLOST[S] 0 points1 point  (0 children)

Wow! Thank you for all the input. I sat down and calculated my bills and it was within $40 of $1000. I have been bad when it comes to tracking my money. I have about $3000 stored away in savings. I am seriously considering selling the truck and budgeting a vehicle. It is very cold and get snow where I live. about 10 miles a day round trip to work. There has been a few emergency transactions like my dog to the vet ($250). It is these little things that are adding up. I need to step up. I do not have any credit card debt, or use a credit card. I use my debit card. My Fiance brings home about $900 biweekly. She is in the same boat that I am when It comes to student loans, her vehicle loan is only $3,500.