Broke with rent due tomorrow?

[CL0V3R]

Stormmy here is a suggestions about the pay check to pay check thing:

Get a white board or some sort of calender and write down all your expenses/bills listed by the date they are due like:
(This is just random numbers to show what I mean.)
1st - Rent due - 500
3rd - Tmoble - 75
5th - Car insurance - 100
13th - Utilities - 150
17th - Car payment -575
20th - Credit card payment - 50
Variables:
Gas - 100 (The average amount you spend on gas)
Food - 150 (The average amount you spend on food)

ect.

From that point figure out the average time you both get payed normally then calculate how much you have until the next pay check.

So let's say you get payed on the 1st and again on the 15th and your average pay check is $1250. You'd take your expected finances add them up and subtract them by your income.
$1250 - $825 = 425

425 Dollars is what you would have left over until your next pay check after all your "stable" bills are payed. Leave $250 of that aside for your monthly gas and food expenses.
With the $175 you have left over put at least 100$ in savings. (If not more.)
That leaves you $75 to dick around with until your next pay check.


So now your pay check is here again and let's say this pay check is $1250. You have your car payment due on the 17th and credit card payment due on the 20th.
So $1250 - $625 = $625 With that 625$ you have left over I'd at least put half into your savings. That leaves you with $312.50 to mess around with.
A good tip for any bills that aren't stable such as gas and food is to take what ever is it normally is and add a little to that. That way in case you need more gas or food in a month you have that in the budget. If you don't need that extra money there is no harm in it sitting in your bank account.

Anyways with the example your total into savings would be.
100 + 312.50 =
$412.50 per month.
Which is $4,950 per year.

I hope that made some sense. @_@

[323]

Stormmy here is a suggestions about the pay check to pay check thing:

Get a white board or some sort of calender and write down all your expenses/bills listed by the date they are due like:
(This is just random numbers to show what I mean.)
1st - Rent due - 500
3rd - Tmoble - 75
5th - Car insurance - 100
13th - Utilities - 150
17th - Car payment -575
20th - Credit card payment - 50
Variables:
Gas - 100 (The average amount you spend on gas)
Food - 150 (The average amount you spend on food)

ect.

From that point figure out the average time you both get payed normally then calculate how much you have until the next pay check.

So let's say you get payed on the 1st and again on the 15th and your average pay check is $1250. You'd take your expected finances add them up and subtract them by your income.
$1250 - $825 = 425

425 Dollars is what you would have left over until your next pay check after all your "stable" bills are payed. Leave $250 of that aside for your monthly gas and food expenses.
With the $175 you have left over put at least 100$ in savings. (If not more.)
That leaves you $75 to dick around with until your next pay check.


So now your pay check is here again and let's say this pay check is $1250. You have your car payment due on the 17th and credit card payment due on the 20th.
So $1250 - $625 = $625 With that 625$ you have left over I'd at least put half into your savings. That leaves you with $312.50 to mess around with.
A good tip for any bills that aren't stable such as gas and food is to take what ever is it normally is and add a little to that. That way in case you need more gas or food in a month you have that in the budget. If you don't need that extra money there is no harm in it sitting in your bank account.

Anyways with the example your total into savings would be.
100 + 312.50 =
$412.50 per month.
Which is $4,950 per year.

I hope that made some sense. @_@

Saved this in a text file. *Is amazed*