I was recently requested to blog about budgeting. HAHA. ok.
I’m obviously a perfect candidate to blog about personal financing in the adultworld because I have ABSOLUTELY NEVER UNDER ANY CIRCUMSTANCE done any of the following things:
- Lost my debit card, especially not Halloween 2014
- Accidentally signed up for a credit card at Marshalls
- Forget to sign up for a toll tag, then forget to Google how to pay, then forget to pay
- Over-drafted. Ever.
….idontwanttotalkaboutit. ihaveamarshallscreditcard. thestruggleisreal.
REALIZATIONS ABOUT MY FINANCIAL HABITS COMPARED TO THOSE AROUND ME:
1. Everyone and their dog has a 401K and or “roth” savings, and at least most people have dabbled in stocks and bonds.
Was there a personal financial class in college that I missed???? Was I supposed to register in the Barnes & Noble self-help budgeting aisle for my graduation party????? How did I miss the “know everything there is to know about money in the adult world” memo???? CAN YOU NOT HAVE AN IRA ROTH ACCT???? YOU’RE MAKING ME FEEL BAD????? I NEED A HUSBAND???????????????????
2. Some people are saving their receipts
There is no moment of self-doubt and reflection quite like when shopping/eating with a friend, and she asks for her receipt and saves it in her wallet. *wait should I have saved my receipt?? is there a chance to win $3,000 by taking a survey on the back?? what is she doing???*
Apparently people get tax money back if they save their receipt??? WHERE DO YOU PUT ALL YOUR RECEIPTS??? HOW DO YOU KEEP TRACK OF THEM ALL AN ENTIRE YEAR??? HOW MUCH MONEY DO YOU ACTUALLY SAVE?? WHO TAUGHT YOU THIS???? DO YOU SOMEHOW MAKE YOUR RECEIPTS DIGITAL OR IS THIS ALL LITERALLY TANGIBLE PAPER BECAUSE I’M SCARED.
3. Then there are those who make Google Excel Docs and manually enter their expenditures
I am so not one of these people that it actually hurts. I have a Mint account (more on that in three seconds) and that is a HUGE LEAP AND BOUND for me. I didn’t even really monitor it for about 8 months, I just had it so I could receive death-threat e-mails every week and feel suicidal looking at the “eating out/alcohol/shopping” trends.
My budget-saavy friends say Mint is basic and doesn’t even budget right. like WUT??? So instead, they do it all manually in Excel and keep track of every cent with just a calculator and their checking account like HAHALOLWUT??/ so much wut
4. Mint.com is not a fashion blog by the Olsen twins
I was once introduced to this magical witchcraft technology that keeps track of everything you spend and creates colorfully whimsical graphics and pie charts of your spending habits. This is called mint.com and it will not tell you what was on the ready-to-wear spring 2015 runways.
I use mint. The other day, I updated the budgets in it. In November, I’m doing this new thing where I ACTUALLY stick to budgets. So far it’s been easy because you can’t spend money when there are only $2 in your account #SAVINGSACCOUNTSAREREAL
About two weeks ago, I bought a $20 candle. For myself. It’s sitting next to me as I type. I just felt like I really needed a chic candle, and when you’re single, I subscribe to the theory of self-pamper. Sometimes you have to do weird things like buy yourself absurdly chic candles and flowers.
Click here if you want the candle. Or don’t. I don’t get commission if you buy it. bye.
Image/gif creds: http://giphy.com, http://www.thedreslyn.com, bookriot.com, pandawhale.com, gifrific.com