dsvloper88
New member
I’m turning 33 in a few months and up until the past month my finances were just this vague cloud in my head. I knew approximately what I had and could spend, and I was never in the red. But recently I realized our savings account wasn’t growing as it should and my husband was likely contributing much more than me so I finally buckled down and started tracking and organizing everything. We both work full time and make the same ish amount of money so we have a joint savings where our bills come out of but we have separate spending accounts that the other doesn’t have access to.
It was hard and sad to limit spending like groceries and fun, I don’t have much to spend on groceries until April 8 which my husband thinks I’m going to blow through lol (we buy separate groceries). But I’m going to stay strong. I’ve been buying all my groceries from ALDIs. I have only spent $70 of the $100 I allowed for Amazon and have stopped myself from buying anything else at least a dozen times. Instead of going out yesterday we made pizzas and pasta from semolina and einkorn flour that we already had and my husband just got little ingredients like mozzarella, pepperoni, tomato sauce, and basil leaves.
Every cent is now accounted for and while I don’t plan on maxing out my 403b, I’m going to get it from 13% to at 15% by the end of the year while putting at least $1300 into our savings accounts every month (one for general savings and one for vacation). We have been putting $200 each in curtailment every month and maybe I’ll try to increase my portion of that too.
For anyone who isn’t tracking their spending and saving but knows they really need to, it’s hard but you can do it!! Break out your spreadsheet app and get to work!!!
It was hard and sad to limit spending like groceries and fun, I don’t have much to spend on groceries until April 8 which my husband thinks I’m going to blow through lol (we buy separate groceries). But I’m going to stay strong. I’ve been buying all my groceries from ALDIs. I have only spent $70 of the $100 I allowed for Amazon and have stopped myself from buying anything else at least a dozen times. Instead of going out yesterday we made pizzas and pasta from semolina and einkorn flour that we already had and my husband just got little ingredients like mozzarella, pepperoni, tomato sauce, and basil leaves.
Every cent is now accounted for and while I don’t plan on maxing out my 403b, I’m going to get it from 13% to at 15% by the end of the year while putting at least $1300 into our savings accounts every month (one for general savings and one for vacation). We have been putting $200 each in curtailment every month and maybe I’ll try to increase my portion of that too.
For anyone who isn’t tracking their spending and saving but knows they really need to, it’s hard but you can do it!! Break out your spreadsheet app and get to work!!!