#Okay like if I put 80$ per paycheck away then I might be able to buy one by the end of the semester but my budget has such little wiggle

[dogboy-dyke]

i should save up for a fucking machine<- does not have an income where this is feasible

#Why do they all have to be 600+ dollars #That like a months worth of rent 😭 #I should be able to get pounded for free anytime I like #Okay like if I put 80$ per paycheck away then I might be able to buy one by the end of the semester but my budget has such little wiggle #Room I might have to use that 80$ for food sometimes #puppy.txt

[lydah]

hey everyone, I am approaching my tenth year of retail service because i am old, and i have noticed that a lot of my friends and followers are applying for their first jobs (i am so sorry) so i just wanted to share some Retail Survival Knowledge and advice for everyone who is joining the retail side of work (i am so sorry)

This is all just things I had to learn myself, that I wish somebody had told me 10 years ago. 

1. Everything you read about interviews doesn’t apply to retail. The first 8 months of trying to get a job were held back by me trying to call back or walk in to ask about the job, giving bullshit answers to questions like “what is your greatest weakness” (EVEN THOUGH being a perfectionist IS my greatest weakness, i was able to repaint it to sound like it by saying “i am such a nervous wreck I can get very upset about trivial things and that’s something I’m working on etc explain explain explain” to make it sound real.) 

2. Just bring a resume, even if its shitty. Put anything on there you can, Just 4 months ago I applied for 3 jobs and every single one said the same thing, “you have a resume, you’re already 2 steps ahead of everyone else who’s come in here.” 

3. Retail interviewers are looking for warm bodies, not professionals. Most of my coworkers aren’t seasoned retail workers, but just teenagers looking for their first job. Go there, be a human, chatter, have fun, they’re just a human too, often a human who isn’t making much more than you will be. 

I know it’s hard, especially if you’re a fellow anxious wreck, but think about it this way. When you walk into that interview, look at it like “i am here to provide you with a service, what can you do for me?” rather than “i need money please please hire me.” This helps a ton with confidence levels, and I think saying things the right way means more than what you say. 

The past 3 jobs I applied for, I got job offers on, not because I was treating the interviewer like a saint who may give me a sweet, sweet paycheck that can’t pay my bills, but because I talked to them from one human being to another. Being real in the interview is refreshing. The more I talked to them as an equal peer, the better the interviews were received. 

Remember, you ARE providing them with a service. Nobody wants these jobs, they don’t pay well, the retail customer culture has become a literal hellscape with weekly horror stories, and most jobs are understaffed. It’s easy to get a job in retail, because retail NEEDS people. Every hiring manager I’ve talked to has said it, whenever I’ve brought up the problem with understaffing and hours. “Trust me, we are looking, we are campaigning, we stand at the front of the store giving out flyers to find hirees. The problem is nobody wants to work here.” 

4. All Retail jobs are the same. From Walmart to Target, from Winco to Kroger, from Petsmart to Best Buy, they all offer basically the same nearly pointless benefits, they all offer basically the same pay, and regardless of anything, they all offer basically the same work experience. Just apply to whatever is close by. 

Winco gets so much positive press for being progressive and paying well, but you won’t see those benefits til you’ve been there for a decade, and who wants to stick around for 10 years, especially after the company got bought by Albertsons. Walmart gets a lot of shit for being a bad company when they’re literally doing the same thing everyone else does, but they’re more blatant about it. I worked at one Walmart when I started transitioning and it was possibly my favorite job, while Winco was probably one of the worst experiences I’ve ever had in my life, full of OSHA violations and daily cuts and bruises. It’s the workers that make the job, not the company. Remember that. 

5. I cannot, stress this one enough, Loyalty doesn’t get you anywhere. If you don’t like your job, look for a new one. The raises you’ll get every 6 months to a year will not give you any difference in your paychecks. Oftentimes, the raises are so low you’ll end up eventually getting paid less than people who are just getting hired on, because the companies minimum wage climbs faster than the 6-10 cent raises you’ll get on a yearly basis. I gave walmart 4 years of my time with impeccable full time work, and by the end I was getting paid 80 cents less than a kid who was just hired and had no work experience. Experience doesn’t matter, seniority doesn’t matter, you’re a number to them, they don’t care. 

6. Be friendly with your managers, but don’t forget that managers are not your friends. Anything you say to them can and will be used against you. As a Chronic Oversharer, this is probably one of the hardest things for me. Give them as little information as possible, don’t add them on social networking until after you’ve quit, be careful what you say. Their job is to manipulate. They get friendly so you stick around, so you share information you shouldn’t, and so you keep working hard for them even if they don’t pay you for your work.

7. Ask Questions. Ask So Many Questions. This was something it took me a while to get used to. I was scared of annoying my peers, so instead of doing things right, I took guesses to stay out of everyone’s hair. This isn’t good for you, it’ll make your coworkers hate you because when you make mistakes, we have to fix them. As the Local Retail Know-It-All, I will always love a coworker who doesn’t guess infinitely more than one who tries to keep a low profile by acting like they know what they’re doing. If you ever have a question, Ask It. Ask your coworker, ask your manager, ask the resources on the computer if the company has them posted online, if you’re not sure about something, ask until you’re sure. I’ve never had somebody get annoyed by it. 

Asking shows you care, even if you don’t. It provides you with knowledge that will help you with this company, or help you with future companies. Every job I’ve had has had nearly the same premise with slightly different layouts and interfaces. I’ve gotten to the point where any retail store I walk into, I know how to do everything. Getting that knowledge makes you more hireable, which also makes you harder to pin down, because you won’t feel stuck somewhere if you hate it. 

8. Finally, the minute that you might have an OUT to get away from retail and into any field you’re EVEN SLIGHTLY interested in, TAKE IT. GET OUT. If somebody says they want to teach you to be a dog trainer, TAKE IT. If somebody says you’d be good in an office because of how fast you type, TAKE IT. If somebody acknowledges that you’re super good with this piece of technology and that you’d be good working for this company that pays 5 dollars more per hour, TAKE IT. 

OF COURSE this doesn’t mean you should be gullible, if something seems too good to be true, it probably is. Be skeptical of people who seem shady, people you don’t know, and weird signs you find on the street. Scammers do exist, don’t put yourself in danger because somebody is offering something unrealistic. But if its a friend, a coworker, anyone who can give you a contact, it is ALWAYS worth looking into. I gave up too many opportunities because of my fruitless and unnecessary comfort and loyalty with where I was. I’ve been offered jobs that were clearly fake, too. Look into things, but don’t be brash about it. Look things up online, follow your gut, but don’t give up opportunities for a company that doesn’t care about you. 

I know that looking for work can be scary, and I believe you’ll find something. If you’re not good at interviews, THATS OKAY, there will always be some manager who is so desperate for help theyll hire anyone who walks in. That might be the first job you get, and it might suck, but it’ll give you something to put on your resume. Just keep looking! I believe in you!

Also, I know that this is painting it all with a very negative lense, but don’t be intimidated by it, it gives you a place to start in life, and in this climate, that’s what is important. Retail has helped me a lot with my social skills and anxiety, and has made me a lot of memorable friends, and turned me into the person I am today. 10 years ago I thought I was going to do retail for the rest of my life, but after all of this shit, I have the confidence to pursue greater things. 

My point is, don’t sacrifice your health, your safety, and your comfort for a shit job. ITS JUST RETAIL. Its your fellow coworkers who will make the retail life tolerable, it’ll be people like me who will teach you the ropes, and you should listen to them. The Cynical Coworker Who Has Been Doing This Shit Too Long has always been my best friend. You’ll be able to spot them a mile away. Hold onto them while you can, they always leave before you know it. 

Good luck to everyone who might find this info useful, remember I believe in you, and I think you’re going to do just fine, it’s not as scary as it seems. Life will take you places, and you’ll get where you want to be, even if it takes you longer than your peers. Just keep moving forward, and know that YOU GOT THIS.  

#okay to reblog

[yournewapartment]

Hello, I'm the anon who's freaking out about being thrown into adulthood, and thank you for your previous help. 1.) How do I mamage/budget a minimum wage salary? 2.) I've never been great with any sort of organization, but would you mind teaching me about home organization and important paper organization?

Okay, so this post will be about budgeting on minimum wage, and later in the day I will also post about paper organization. Enjoy!

Budgeting on Minimum Wage

Overview

The average minimum wage in the US is $7.25/hr. Even working full time at 40 hours a week, that’s only a profit of $290 before taxes. This is not a fair living wage! You are worth way more than this amount! I strongly encourage you to start looking for another job that pays better, look for something around the $10-$15 range. 

While $7.25 is atrocious, thousands of people around the world support families on much less. If they can do it while supporting children, so can you! To live off a minimum wage budget you need to declare yourself independent. If your parents are still claiming you as a dependent YOU WILL NOT BE ABLE TO DO THIS. I also recommend that you have the highest amount possible taken out of your taxes so that you get money back from your state at the end of the year, instead of being in debt to them.

What I’ve done is come up with a budgeting plan based off some made up factors and my own personal experience.

Housing

1. City life. Forget about the city! Apartments located in cities can be three times as expensive as apartments in small towns or villages. On top of the extra expense, they’re much smaller and have less amenities included. I’d much rather live in a one bedroom apartment with a dishwasher and a conveniently located Laundromat, than a literal closet with no windows on a fifth floor walkup. Look for apartments twenty minutes to a half hour outside of your closest city. Now you have the close conveniences of a city, with none of those pesky city prices that your budget can’t handle.

2. College towns. Shop around and look at apartments by local colleges. Large colleges with have apartment complexes within walking distance of the school grounds. Landlords know that college students have less money (you might even be a college student yourself) and adjust their prices accordingly. Even apartments next to ivy league schools are priced this way, so don’t be discouraged by the institution’s “prestige”.

3. Locale. Your safety is more important than your bank account. It doesn’t matter if you live in Section 8 housing or in an affluent suburb. Some apartment complexes and neighborhoods are just safer than others. I live in a heavily populated and upper middle class suburb, and the first year I moved in, a drunk woman tried to throw a beer bottle at my car. Thankfully this is the only time this happened to me, but it made me feel unsafe in my environment. Before signing a lease, walk or drive around your prospective home’s neighborhood at night. Take in the atmosphere, and make sure it’s one where you could comfortably run to the local supermarket at 10:30pm and pick up toilet paper.

4. Roommates. Living on minimum wage requires that you find one or two roommates to help split the rent. The more the better! Get together with your more responsible friends, so at least you’re living with people whose company you enjoy. There are lots of “roommate wanted” forums and message boards for you to browse on the internet, but always bring a responsible adult with you before meeting a stranger. Please. Bring your mom if you have too.

Food

1. Low-spoon food. I created this post a few months ago which offers lots of suggestions about cooking and shopping on a budget.

2. Online recipes. Here are some of my favorite online Tumblr cookbook resources. 

- College Student Cookbook. Click here. 

- Meals On The Go. Click here. (Not a cookbook, but super helpful)

- Broke College Kid Masterpost. Click here.

- Cooking on A Bootstrap. Click here.

- Good and Cheap. Click here.

- Budget Bytes. Click here.

3. I also regularly update my cooking on a budget tag. 

Misc Expenses

1. Gas. Shop around and find the cheapest gas in your area. Avoid gas stations next to colleges, highways, and in touristy areas. Look into getting as gas rewards card from your favorite supermarket. I get 10 cents off a gallon with Stop & Shop every time I do a big shop. 

2. Dollar store. Get to know your local dollar and bargain stores. You can buy everything from pots and pans to bed sheets there. These stores often sell bulk ramen for $1 and large cans of crushed tomatoes for 75 cents. That’s enough food for you to live off of for several days. When shopping, I make three grocery store stops to ensure that I spend the least amount possible on my pantry needs. I go Dollar Store, Stop and Shop, and then to my local organic grocery store. I’m going to make a list of things that I buy at Dollar Stores and things that I don’t buy at Dollar Stores soon!

3. Cable. We are living in the digital age- you don’t need cable television. Use Netflix or Hulu or whatever. It will save you tons of $$. 

4. Internet. As far as internet speed goes, if you’re living with roommates you will probably need a higher speed. Living by yourself, choose a lower one. Most internet companies offer large discounts to new subscribers. These typically only last a year, but will save you serious money. Make sure to take note of when this discount expires, and contact the company before it does. If you don’t, they’ll begin charging you the full amount without notice.

5. Verizon. I just want to take a moment to talk about how much I love Verizon because they have literally saved me so much money in the three years I’ve been with them. After you sign a contract with a new internet company, they charge you a bunch of ridiculous fees like “activation fees” and “installation fees”. I called Verizon and was like “I’m a poor college student, I can’t afford this” and they were like “don’t worry, we’ll waive the fee”. I signed a two year contract with them that saved me $80 on a high-speed internet bill per month (my price being only 50.99 a month). After the contract expired I call them and they put me on a month to month, keeping the price absolutely the same. TLDR- get Verizon if you can.

6. Utility. Get on a monthly budget with whatever utility company services your new apartment. Although it may seem like the cheaper option, paying the actual amount of electricity you spend per month is the more expensive. It’s also unpredictable, and a minimum wage budget won’t allow for it. See this for more info.

7. Amazon. I buy a lot of my beauty, cleaning, and cat products online. Amazon offers Prime shipping free for a year with a student email address, and then offers it at a greatly reduced price after the year. If you are a student, snap up that free deal ASAP. If it’s in your budget, I’d greatly recommend investing in Amazon Prime.

8. Saving money. It’s so important to attempt to break way from the “paycheck to paycheck” vicious cycle. Living this way does not allow for emergency expense money, and trust me, sometime soon you will need emergency expense money. Your cat might get sick or your car may die, whatever it is, it’s always smart to have at least $500 squirreled away. I’m gonna level with you, things have been tight for my budget and I haven’t been able to save anything for the past three months. But this month I will!

Example Budgets

Full Time

Working with the $7.25/hr and 40hr/week model, here’s an example budget for living on minimum wage. That’s $1,160 a month without taxes.

Housing: Let’s say you’re sharing an apartment with two close friends, the rent being $1,500 without any amenities. That rent split three ways is $500 each.

Gas I commute twenty minutes every day, and I drop about $20-$25 a week on gas. That’s $100 on gas a month.

Food: I do one big shopping a month with my boyfriend. We drop around $180 and that’s including toiletries and soap and stuff. So maybe you’ll spend about $100 a month on all your shopping needs.

Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split three ways that’s $17 each.

Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.

Random expenses: Because there always are some. Let’s just tack on another $100.

With everything added up, you still have around $290 left before taxes! That money can go into a savings account, and after several months, you’ll have that $500 worth of emergency money saved.

Part Time

Working with the $7.25/hr and 25hr/week model, here’s an example budget for living on minimum wage. That’s $725 without taxes.

Housing: In this case, you need to look for apartments in the $800-900 range. In my area, one bedroom apartments go for around $1000, so you may need to get creative with your roommate (I don’t think you could have more than one roommate in this situation). Buy dividers to split the bedroom or studio in half! Let’s say your rent is $850 with nothing included, that’s $425 each.

Gas You’re still looking at a large gas bill per month, so it may be more inexpensive to ride a bike or use public transportation. Let’s say you use public transportation, and spend around $50 a month on that. Or maybe you and your roommate can split gas expenses and share a car?

Food: Pinch those pennies! Use some of those budget cookbooks I linked above to help you cook healthy and delicious meals for under $4 each. See if you can only spend $80 a month on groceries.

Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split two ways is $25 each.

Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.

Random expenses: Because there always are some. Let’s just tack on another $100.

That leaves you $25 to put in your bank account, if that. This is a paycheck to paycheck situation, and you will probably need to get another source of income to feel secure. But you can still do it!

#budget #budgeting #how to budget #living on a budget #low spoon #low spoons #college #college student #first apartment #new apartment #small apartment #living alone #apartment living #living on your own #broke #cheap #saving money #minimum wage #minimum wage apartment

[acs0qbzk-blog]

Car insurance...?? please answer!!?

Car insurance...?? please answer!!?

hey I live in Ontario Canada and I am a G2 driver. when I first got my licence I was put under my parents insurance because I still live with them and driving their car! since then my boyfriend has a car that I use alot more then my parent s car BUT we don t live together and my understanding both my parents and my bf called their insurance companies and made sure that as long as your an insured driver you can drive any car that is insured!! my question is IF I got into an accident driving my bf s car who s insurance would it go through?? mine or his?? or would I be responsible to pay it out of my pocket?? like I said I am an insured driver I am just not on his insurance....?? please help!!

BEST ANSWER: Try this site where you can compare free quotes :tipsinsurance.xyz

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i would like to a accident Live in much is car insurance the old rav 4, when he s gone but license but im going her on her mothers miles at 70 mph next few months and old and im about have a honda deo What s the best and car that was crash. need to know the anyway i can extend data analysis project and I want to get company who does the give me an example get car insurance with insurance and two way it costs more, or permit for school and are 16 years old insurance? Or will I covered if someone else new plan that tax 1970 s I want one tampa. less then 75 saying they will pay this. Who should be much is the fine insurance, etc.. I can t to lower costs. And peugeot 106 1.1 i Is the constitution preventing 2 years (Even though I am planning to insurance company and sent cheapest car insurance company well and I pass .

United States lady on the phone appointment for me to into the car in never have. The damage recently had my California car on Craigslist. I ll know you cant give deleted from my insurance before. I have been much money to get is actually my mom knows cheap insurance company I am not able for insurance a red came across Drivetime Student on getting a 2007 make a claim and cars like black or I have car insurance and tips or websites I run my home Vanguard or other low does any 1 know I m planning to get insurance companies being a 2003 hyundai accent 4 car or motorcycle. I We live in Florida. the terms/interest rate for And If I have trust gave me a due to expire next the quotes show that i use there car while parked if they is a good place My car has not the minimum state requirements car is being paid I have searched for .

Hi I m only 20 already paid? Or they would be best and some type of car for a 17 year on your age and I need Health insurance is an annuity insurance? rights before calling insurance Im 16 and i is doing any good and plan on paying this standard procedure when give me an approximate anyone about my age what is the website is good with teenagers Insurance is the cheapest roughly 5 or 6 & hospitalization as well was to become disabled? under nationwide insurance ...where insure for are doctors 18 year old who through all the forms. we should go insurance by law this property far I borrow a to do with ages anymore. I haven t been This has been more car insurance? Am I driver has no private a medication called androgel. for Insurance??? Is there using one of my Why does it come to drive the car. higher road taxes and rs. I dont want a Child Plan. Please .

I just got a We dont have great 500 mile radius. They employer. I am 57 pay for a totalled How much does Viagra to take the bus! am at fault and is just standard car insurance plan for 1 4 door sedan, 4 FOR OHIO, THATS IT, I really can`t take don t have much experience like to know how drivers, and older ones a littledented.But the other deal. Whats your opinion? knee so they will unsafe to drive. I car from Texas would 2 main questions ...show and they consider that minor (where both cars you know of any in order for me be getting a 2nd would be really helpful please explain in details family health insurance, for ads for GEICO but rise? Would I pay in Louisiana and have put me on her cheap rates, especially with visited say at least the country for an really bad side affects heard something about saying are both 21 years cars. Thanks a lot! .

[andrewdburton]

Advice for a young adult learning to manage money

Note: Today’s post is a little different. It’s a letter to a young friend, who asked to remain anonymous. She’s 21 and just landed her first job. Now that she’s bringing home a regular income, she wanted advice on what to do with her money. Here’s my response.

First up, I think it’s awesome that you asked me for advice. That took guts! Plus, it’s a sign that you’re already making good decisions. You’re being proactive, taking charge of your own life. I like that.

Like you, my parents didn’t teach me how to handle money very well. They did their best, but it’s tough to teach what you don’t know. I’ve had to figure a lot of this stuff out on my own, and I’ve made a lot of mistakes along the way.

You’ll make mistakes with money too, I’m sure. They key is to not let these mistakes compound. Don’t let one mistake lead to another mistake. When something goes wrong, pause. Take a deep breath. Don’t panic. Call me for advice, or ask somebody else who seems to have things figured out. Okay?

I have so much I want to share with you, but I’m going to hold back. I don’t want to overwhelm you with stuff that you don’t need to know right now. Do me a favor, though, and read that book I mailed you: I Will Teach You to Be Rich. There’s a lot of good info in there. Some of it won’t apply to you yet, but it doesn’t hurt to read the whole thing so that you can know what’s coming in the future.

For now, let’s focus on the fundamentals.

First Things First

After thinking about this for nearly a week, I think that your focus should be setting up what I call your basic “financial infrastructure”, then creating three buckets for your money.

To start, you need two bank accounts: a checking account and a savings account.

You told me that you already have a Capital One 360 checking account, which is awesome. That account has no fees. (Some banks, like Wells Fargo, charge an outrageous $10/month fee for checking. This is insane. There’s never a good reason to pay a bank for the privilege of having an account with them.)

It’s also awesome that you’re having your weekly paycheck automatically deposited to your checking account. Super smart.

The next step is to open a savings account. I know that you’d like to save for some future goals, such as possibly purchasing a house. To do that, it’s best to separate your savings from the pool of money in your checking account.

Since you already have a Capital One 360 checking account, you should open a savings account with them too. Kim and I have some joint Capital One 360 savings accounts. We like it because we’re able to have different accounts for different purposes, and we can name each one. (When we were saving for the RV, for instance, we had a specific account just for the RV.)

What about credit cards? Don’t worry about them yet. As you said, you want to establish good money habits. Once you’ve learned how to save and spend without getting into trouble, then you might consider a credit card. But that’s a talk for sometime in the future.

Make a Plan

Now that you have your basic financial infrastructure in place, it’s time to make a plan for where your money will go each month. You don’t need a detailed budget. If you want one, fine, but there’s no real need.

You’re bringing home about $200 per week, which is roughly $800 per month. Make sure you know how much is being taken out of your paycheck for taxes. If you don’t have enough withheld, you’ll owe money next April. Odds are, however, that everything is fine.

From your $800 monthly income, I recommend you route your money into three “buckets”: fixed expenses (or “needs”), discretionary spending (or “wants”), and savings.

Let’s look at fixed expenses first.

I’m under the impression that you have $350 of fixed expenses right now: the money that you pay your mother for phone and housing. One popular rule of thumb is that you should spend less than 50% of your income on fixed expenses — and less is better. You’re at about 44%, so you’re in good shape. Nice work!

Now, here’s something important.

You’re 21 now, and you’ll probably want to move out on your own in a year or two, maybe with a friend. That’s great! When you do look for your own place, though, keep your housing cost as low as possible. Seriously, I cannot stress this enough. The number one way to screw yourself over is to pay too much in housing! So many people do this every day, and it’s tough to recover from. Always always always do what you can to keep your housing costs low.

Remember this rule of thumb: Your spending on needs should be less than half your paycheck. Following that one rule alone will put you far ahead of your peers.

Now let’s look at the other two “money buckets”: discretionary spending and saving.

Spending and Saving

After you’ve met your monthly obligations, any money you have left over is yours to do with as you please. You have two basic options here.

You can spend the money now.

You can spend the money later.

If you were in debt, you’d have a third option: You could repay money you’ve already spent.

At this point, I’m going to give you another piece of important advice: Avoid debt. Trust me. I know from personal experience that debt is like drowning. (Some people say it’s like slavery.) Debt sucks. There is no reason for you to take on debt at this stage of your life. When the time comes to buy a car, buy it with cash. (If you decide to buy a house or go to college, then debt might be okay. We can talk whenever one of these becomes a possibility.)

Most people in the United States spend all (or most) of their money on the present moment. When they get paid, they spend whatever they receive. The advantage of this is that you get to do and have lots of stuff today. The disadvantage is that you have zero flexibility. If something bad happens to you, you’re screwed. If an amazing opportunity comes along, you can’t take advantage of it.

A lot of folks feel like saving for the future is risky. What if you die tomorrow? Then all of that money is wasted because you never got to use it! But you know what? Hardly anyone dies tomorrow. In fact, most people live into next week, next month, and next year. And the year after that. If these people are spending all of the money they earn, they never have the freedom to do anything other than work.

I used to be one of these people. For a long time, I spent every penny I earned. (I spent more than I earned, actually. I was deep in debt for seventeen years!) I know better now. After reading and writing about money for more than a decade, after talking with hundreds of people about how they handle their finances, I realize that saving for the future is not risky. In fact, the opposite is true. It’s risky to not save for the future.

But you have to find a balance between today and tomorrow.

Oops. Sorry. I got side-tracked. Where were we? Right…

So, you have two basic options: Spend your discretionary income now or spend it later. What you want to do is a little of both.

Spending and Saving, Revisited

Now that you have your own money, there’ll be things you want to do with it.

You’ll want to buy clothes. You’ll want to go out with your co-workers. You might want to buy a bicycle. These are all great uses for your money. But here’s an important lesson that I learned the hard way: You can have anything you want, but you can’t have everything you want. Does that make sense? Trying to have everything is what leads people to spend all of their money.

The real trouble is that if you don’t set aside money for the future whenever you get paid, it’s very easy to spend everything you bring home.

Because of this, I recommend that when you get paid, you immediately send a certain amount of money to your savings account. Put money into your saving “bucket” before putting it into your spending bucket. There are a couple of ways to do this.

You could say to yourself, “Self, I want to put $100 per paycheck into savings.” (Or $50 or $250. Whatever.) Each time you get paid, you religiously set that money aside.

Or you could decide to save a certain percentage each month. You might save 25% of each paycheck, for example.

You’ll have to decide how much is right for you, but I encourage you to put as much into your savings account as possible. At a minimum, try to save 10% of your check, or about $20 per pay period. Saving 20% — $40 per pay period — is even better. I encourage my readers at Get Rich Slowly to save half of their income. And some people do! (For you, that would mean saving $400 per month, which would leave you just $50 per month for discretionary spending. But you know what? If you managed to save $400 per month, you’d be kicking ass!)

After you’ve put money into your needs bucket and your savings bucket, you’ll still have some left over. If you save $80 per month — and that should be the minimum you aim for — then you’ll have $370 left. If you save $160 per month, you’ll have $290 left. If you save $400 per month, you’ll have $50 left.

Here’s the good news: This remainder is yours to do with as you wish. Whatever you want! Live it up!

That said, I’d caution you to spend this money carefully. Don’t fritter it away. Spend it only on the things that truly make you happy. In your case, that might mean art supplies or fantasy novels. It’s up to you to decide. But the key is to actually decide. Make a conscious decision about how you’re spending your money. Make sure you’re getting value for what you spend.

Final Thoughts

Obviously, there’s much more to being smart with money than opening bank accounts and putting money into three buckets haha. But this is the place to start.

The basic rule of personal finance is this: To build wealth, you must spend less than you earn. There’s no way around it.

I believe that your goal for 2018 should be to build the habit of setting aside money for needs, wants, and saving. And as much of that should go to saving as possible since you have some lofty plans for your future.

If you get in the habit of saving, then you should have somewhere between $1000 and $4000 set aside by the end of the year. That’s a lot of money! When you’re able to do that, then it’s time to have another conversation about money. We can talk about how to invest and about the power of compounding. (You are so lucky! You are young, which means that your money has tons of time to grow. If you start saving now, you could be very rich by the time you’re old like me.)

Let me know if you have any questions about all of this. And be sure to read the comments below. Get Rich Slowly readers are smart, and they’re sure to have some excellent advice on what to do as you’re starting out in life…

The post Advice for a young adult learning to manage money appeared first on Get Rich Slowly.

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Advice for a young adult learning to manage money

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Advice for a young adult learning to manage money

Note: Today’s post is a little different. It’s a letter to a young friend, who asked to remain anonymous. She’s 21 and just landed her first job. Now that she’s bringing home a regular income, she wanted advice on what to do with her money. Here’s my response.

First up, I think it’s awesome that you asked me for advice. That took guts! Plus, it’s a sign that you’re already making good decisions. You’re being proactive, taking charge of your own life. I like that.

Like you, my parents didn’t teach me how to handle money very well. They did their best, but it’s tough to teach what you don’t know. I’ve had to figure a lot of this stuff out on my own, and I’ve made a lot of mistakes along the way.

You’ll make mistakes with money too, I’m sure. They key is to not let these mistakes compound. Don’t let one mistake lead to another mistake. When something goes wrong, pause. Take a deep breath. Don’t panic. Call me for advice, or ask somebody else who seems to have things figured out. Okay?

I have so much I want to share with you, but I’m going to hold back. I don’t want to overwhelm you with stuff that you don’t need to know right now. Do me a favor, though, and read that book I mailed you: I Will Teach You to Be Rich. There’s a lot of good info in there. Some of it won’t apply to you yet, but it doesn’t hurt to read the whole thing so that you can know what’s coming in the future.

For now, let’s focus on the fundamentals.

First Things First

After thinking about this for nearly a week, I think that your focus should be setting up what I call your basic “financial infrastructure”, then creating three buckets for your money.

To start, you need two bank accounts: a checking account and a savings account.

You told me that you already have a Capital One 360 checking account, which is awesome. That account has no fees. (Some banks, like Wells Fargo, charge an outrageous $10/month fee for checking. This is insane. There’s never a good reason to pay a bank for the privilege of having an account with them.)

It’s also awesome that you’re having your weekly paycheck automatically deposited to your checking account. Super smart.

The next step is to open a savings account. I know that you’d like to save for some future goals, such as possibly purchasing a house. To do that, it’s best to separate your savings from the pool of money in your checking account.

Since you already have a Capital One 360 checking account, you should open a savings account with them too. Kim and I have some joint Capital One 360 savings accounts. We like it because we’re able to have different accounts for different purposes, and we can name each one. (When we were saving for the RV, for instance, we had a specific account just for the RV.)

What about credit cards? Don’t worry about them yet. As you said, you want to establish good money habits. Once you’ve learned how to save and spend without getting into trouble, then you might consider a credit card. But that’s a talk for sometime in the future.

Make a Plan

Now that you have your basic financial infrastructure in place, it’s time to make a plan for where your money will go each month. You don’t need a detailed budget. If you want one, fine, but there’s no real need.

You’re bringing home about $200 per week, which is roughly $800 per month. Make sure you know how much is being taken out of your paycheck for taxes. If you don’t have enough withheld, you’ll owe money next April. Odds are, however, that everything is fine.

From your $800 monthly income, I recommend you route your money into three “buckets”: fixed expenses (or “needs”), discretionary spending (or “wants”), and savings.

Let’s look at fixed expenses first.

I’m under the impression that you have $350 of fixed expenses right now: the money that you pay your mother for phone and housing. One popular rule of thumb is that you should spend less than 50% of your income on fixed expenses — and less is better. You’re at about 44%, so you’re in good shape. Nice work!

Now, here’s something important.

You’re 21 now, and you’ll probably want to move out on your own in a year or two, maybe with a friend. That’s great! When you do look for your own place, though, keep your housing cost as low as possible. Seriously, I cannot stress this enough. The number one way to screw yourself over is to pay too much in housing! So many people do this every day, and it’s tough to recover from. Always always always do what you can to keep your housing costs low.

Remember this rule of thumb: Your spending on needs should be less than half your paycheck. Following that one rule alone will put you far ahead of your peers.

Now let’s look at the other two “money buckets”: discretionary spending and saving.

Spending and Saving

After you’ve met your monthly obligations, any money you have left over is yours to do with as you please. You have two basic options here.

You can spend the money now.

You can spend the money later.

If you were in debt, you’d have a third option: You could repay money you’ve already spent.

At this point, I’m going to give you another piece of important advice: Avoid debt. Trust me. I know from personal experience that debt is like drowning. (Some people say it’s like slavery.) Debt sucks. There is no reason for you to take on debt at this stage of your life. When the time comes to buy a car, buy it with cash. (If you decide to buy a house or go to college, then debt might be okay. We can talk whenever one of these becomes a possibility.)

Most people in the United States spend all (or most) of their money on the present moment. When they get paid, they spend whatever they receive. The advantage of this is that you get to do and have lots of stuff today. The disadvantage is that you have zero flexibility. If something bad happens to you, you’re screwed. If an amazing opportunity comes along, you can’t take advantage of it.

A lot of folks feel like saving for the future is risky. What if you die tomorrow? Then all of that money is wasted because you never got to use it! But you know what? Hardly anyone dies tomorrow. In fact, most people live into next week, next month, and next year. And the year after that. If these people are spending all of the money they earn, they never have the freedom to do anything other than work.

I used to be one of these people. For a long time, I spent every penny I earned. (I spent more than I earned, actually. I was deep in debt for seventeen years!) I know better now. After reading and writing about money for more than a decade, after talking with hundreds of people about how they handle their finances, I realize that saving for the future is not risky. In fact, the opposite is true. It’s risky to not save for the future.

But you have to find a balance between today and tomorrow.

Oops. Sorry. I got side-tracked. Where were we? Right…

So, you have two basic options: Spend your discretionary income now or spend it later. What you want to do is a little of both.

Spending and Saving, Revisited

Now that you have your own money, there’ll be things you want to do with it.

You’ll want to buy clothes. You’ll want to go out with your co-workers. You might want to buy a bicycle. These are all great uses for your money. But here’s an important lesson that I learned the hard way: You can have anything you want, but you can’t have everything you want. Does that make sense? Trying to have everything is what leads people to spend all of their money.

The real trouble is that if you don’t set aside money for the future whenever you get paid, it’s very easy to spend everything you bring home.

Because of this, I recommend that when you get paid, you immediately send a certain amount of money to your savings account. Put money into your saving “bucket” before putting it into your spending bucket. There are a couple of ways to do this.

You could say to yourself, “Self, I want to put $100 per paycheck into savings.” (Or $50 or $250. Whatever.) Each time you get paid, you religiously set that money aside.

Or you could decide to save a certain percentage each month. You might save 25% of each paycheck, for example.

You’ll have to decide how much is right for you, but I encourage you to put as much into your savings account as possible. At a minimum, try to save 10% of your check, or about $20 per pay period. Saving 20% — $40 per pay period — is even better. I encourage my readers at Get Rich Slowly to save half of their income. And some people do! (For you, that would mean saving $400 per month, which would leave you just $50 per month for discretionary spending. But you know what? If you managed to save $400 per month, you’d be kicking ass!)

After you’ve put money into your needs bucket and your savings bucket, you’ll still have some left over. If you save $80 per month — and that should be the minimum you aim for — then you’ll have $370 left. If you save $160 per month, you’ll have $290 left. If you save $400 per month, you’ll have $50 left.

Here’s the good news: This remainder is yours to do with as you wish. Whatever you want! Live it up!

That said, I’d caution you to spend this money carefully. Don’t fritter it away. Spend it only on the things that truly make you happy. In your case, that might mean art supplies or fantasy novels. It’s up to you to decide. But the key is to actually decide. Make a conscious decision about how you’re spending your money. Make sure you’re getting value for what you spend.

Final Thoughts

Obviously, there’s much more to being smart with money than opening bank accounts and putting money into three buckets haha. But this is the place to start.

The basic rule of personal finance is this: To build wealth, you must spend less than you earn. There’s no way around it.

I believe that your goal for 2018 should be to build the habit of setting aside money for needs, wants, and saving. And as much of that should go to saving as possible since you have some lofty plans for your future.

If you get in the habit of saving, then you should have somewhere between $1000 and $4000 set aside by the end of the year. That’s a lot of money! When you’re able to do that, then it’s time to have another conversation about money. We can talk about how to invest and about the power of compounding. (You are so lucky! You are young, which means that your money has tons of time to grow. If you start saving now, you could be very rich by the time you’re old like me.)

Let me know if you have any questions about all of this. And be sure to read the comments below. Get Rich Slowly readers are smart, and they’re sure to have some excellent advice on what to do as you’re starting out in life…

The post Advice for a young adult learning to manage money appeared first on Get Rich Slowly.

#Wealth

[topicprinter]

Hey /r/Entrepreneur! How are we all doing today?I know that there are probably a few people who are struggling financially. Maybe you're a student and can't find a part time job. Maybe you're working fulltime but are living paycheck to paycheck because you have a debt to repay. Maybe you're doing fine and just want to make some extra cash to invest into your main business. Or maybe you just want something productive to do with your free time.Last year I made a few bad business moves and had to halt work temporarily due to some mental health issues. By the time I was back on track and had things rolling again, I had no money in the bank. I wasn't in trouble, but needed more money to make more money, and I hustled and made as much money as I could. Here are 3 things that I did to make some money when I really needed it: 1. Importing Tech & Reselling LocallyBuy from Aliexpress and list on classified ads websites (I'm talking Craigslist, Gumtree, Kijiji, etc.). Buy low, sell high. It's as easy as drop shipping, and you can start with any amount of money. Say you have $200 to work with: you could buy a 20x $10 smartwatches (I did well selling the U80 watch, just make sure it comes in a sealed retail box and has a strong and comfortable band, also check reviews, there are lots of variations of the same products going around in China), list them for $15-$20 each and offer free local delivery (if you have a vehicle you can drive around in), and publish your ad to local classified ads websites or Facebook groups. I'd recommend getting a $19 'Square' card reader so that you can take card payments as well, people appreciate the professionalism and the fact they don't need to get cash out in advance.It might take you a month or two to sell those 20 smartwatches, but then you'll have turned your $200 into $300-$400, and you can go for round 2 with multiple products and more of them, or just bank it and put it into something else. Once you have a few thousand dollars, you'll be able to buy enough products to have constant stock with a wider variety and have a consistent stream of revenue coming in (the revenue could be anywhere from a hundred dollars, to several hundred dollars depending on how much money to have to use to buy stock, where you live, competition, time, etc.).Products that I had success with included luxury looking smartwatches, fitness watches, car dash cams, cheap wireless security cameras, cheap drones, gaming headsets and gaming mice. You'll need to test your own local market to see what works for you.Tips: Buy a portable card reader so you can take card payments (Square sells one for $19 that plugs into your phone). Offer free delivery if you can, it will increase sales. If you don't have a good camera, use the photos from the Aliexpress listing, even though they are generally bad they come across as more professional than dark low quality phone photos. Don't advertise a warranty, but replace anything that is broken out of the box or doesn't last (or just refund them); it's a good business practice. Be careful with what you buy from China; if a smartwatch you sold explodes when charging, burns down the buyers house and kills someone, it's on you (if you can't afford insurance or to register the gig as a business, just be cautious with what you sell). Check local stores and the sites you are going to list your products on before ordering to make sure there isn't competition with that specific product, or at the least make sure you are the cheapest seller in your area. Spend time writing your listing copy, get it perfect before publishing. You may need to relist each item every few days as they can get pretty far down the ranks on classified ads sites and stop getting found pretty quickly. Experiment with listing upgrades (highlighting, homepage promotion, etc.). 2. Selling ServicesThe services you can offer will depend on what you have. If you have a lawn mower or other landscaping related equipment, you can start offering garden care services. If all you have is an iron, start ironing peoples clothes and charge by the basket. There are several airconditioner cleaning businesses in my local area that make a killing; they charge around $100 per aircon and the average house probably gets 3 done at a time, they seem to take 40 minutes a piece. What I personally did was lawn mowing.Once you have your equipment and know what service you want to provide, review your competition. The good thing is, you don't need to be the cheapest and as long as it's something that has alot of demand in your area you'll be able to get customers (hopefully repeat customers).If you're broke, get some paper and a marker, and draw up flyers (or design and print them off a computer if you have access to one). Put them on notice boards, hand them out, deliver to letterboxes; whatever you need to do. Make sure to let friends and family know what you're doing as well, they may be interested themselves or could refer someone who would be. A website isn't a must if it's a short term thing, however it can make you look more professional and established and get you higher end clients; a WordPress theme is $50, learning to customize it is free, and website hosting can be as low as $1 / month.Tips: Offer the best service possible. If you have the skills, time, and money then setup a website, create a logo, brand your uniform, and go all out after you've tested your local market and know that the service your offering is going to work. Don't waste money on a TV or radio ad for the service sidegig, you can advertise for free on classified ads websites and local Facebook groups. Letterbox delivery services often have good deals for first time customers; last month I saw a company offering flyer design, printing, and delivery to 10K houses for just a few hundred dollars. Don't be the cheapest as you might miss out on customers who think you're services could be dodgy, there are lots of people in my area who pay $100 to have their lawn mowed even though people offer the same service for $40; don't work twice as hard to bring in the same money as a competitor. 3. Growing & Selling Instagram & Twitter AccountsIf you're tech savvy, this can be an easy way to make some money. It's free, and requires very little work time, however takes a few months to grow each account and make any money. I sold several packages of accounts that I grew and it was really easy money.Sign up to a service for either Instagram or Twitter that allows you to automate your account growth. The software will need to be able to follow and unfollow other users, and schedule posts, that's it.Create say 10 accounts on Twitter, and 10 accounts on Instagram, and connect them to the website/software that automates the growth tasks. Set up the follow and unfollow feature so that the software follows and unfollows around 500 people per day, and press go.Go to a free stock photo website such as https://pixabay.com/, search keywords relating to your accounts niches, and download 20 photos for each account. Use the software to create the posts all at once, and schedule the 20 photos so 1 is posted every 5 days to each account.After the 3 months once all of the schedule posts have been published, each account should have close to 5000 followers (assuming your have your follow/unfollow settings setup okay so you can achieve a 10%+ followback rate).What you'll want to do now is sign up to EpicNPC here: https://www.epicnpc.com/forums/583-Social-Media and create an ad in the social media section promoting the accounts that you are selling. If you sell 20 accounts together with 5K followers each, you should get $150-$300 USD. It's not alot, however it's very easy and even though it takes 3-4 months to get paid, it is only like 1 day of setup work so is still worth it.Tips: Don't set up more than 2 accounts per platform per day, otherwise your device and IP address may be flagged for spam and your current and new accounts could be banned. Accounts in travel, luxury, and fashion niches sell well right now. A source has informed me of an Instagram algorithm update that is going to be rolled out soon that will make low following accounts worthless as their post reach will be very low (because if this, I'd recommend just focusing on Twitter). 3. Safe Sports Betting With Bonus BetsThis is not a business, it's a one time money making idea. I was able to make a couple of hundred in 2 days with just a few hours work and a few dollars to start with, and it got me out of trouble as I did it with less than $100 in my bank account with some bills coming up.What you need to do is turn off any ad blocker software then search google for keywords like 'sports betting', 'sports bet websites', etc. Look at the ads on the first few pages of search results, there will be a few promoting sign up bonuses (generally things like 'Deposit $10, Play With $80').Once you have one or more websites open on the page you need to go through to get the sign up bonus, open up the terms and conditions pages to see what conditions are set on promotional money. Most websites require you to turn the money over 2-5 times before you can cash out, after that some websites take away the bonus money from the win (so if the bonus was $50 and you win $100 you're account will only show $50), and most sites require you to bet on games with certain odds (generally 1.3 or higher).Find out the odds you need to play to quality and how many times you need to turn the money over. Then, go to the tennis section and find games that have great odds in favour of one person (I'm talking 1.2 to player 1, and 6 to player 2). Then what you need to do is not bet on the team winning, rather bet on them winning at least 1 set (which is highly likely as they are tipped to win the whole game anyways), and create a multi bet with 3-5 games involved until the odds are what they need to be.Let's assume you deposited $10 of your own money, and the site gave you $100 to play with. To withdraw, you need to turn the money over 3 times at 1.3 odds or higher. Do the multibet strategy on Tennis matches, betting that the player will win at least 1 set. Once the game is over, if you've lost then you've lost, move onto another site that offers a good sign up bonus or just quit. If your bet won and was successful, you'd now have $130 in your account on the website.Now remember, you need to turn the money over 2 more times before you can withdraw. Don't be stupid and gamble the money. What you need to do is find any tennis game and bet on both teams to win. Use this calculator: http://www.aussportsbetting.com/tools/online-calculators/arbitrage-calculator/ to find how how much money to place on each team, and it will work out so that you lose only a few dollars on the game no matter who wins. Make 2 bets using the same strategy, then withdraw the money and delete your account on the site.Tips: There is risk involved with the first bet, so don't use this method unless you can afford to lose the money. Never gamble, it's stupid and rigged, you will lose everything eventually. This works because you only need to go in with $10-$20 and can make $100+ on a very safe bet with bonus money. Do not sign up to the same website under a different name, you will get banned for claiming the bonus bet twice if you access the site and both accounts from the same IP address, device, and with the same bank account connected to deposit/withdraw to. If this method works for you, look into sports betting arbitrage; it's another way to make money with very little risk and can be used long term as opposed to just once per website. Feel free to send me a PM if you have any questions or want help executing on a side business idea. Get off your ass, get pumped, hustle, make some money. Work hard, but work smart. Good luck /r/Entrepreneur!

#/r/entrepreneur #reddit