![]() ![]() ![]() And this will literally give you the biggest bang for your buck. This way you can home in on the most significant wastes of money to strategize how to lower them. ![]() Notice that you spent way too much money on craft beer last month? Eliminate that from next month’s spending and watch the money move directly into the leftover money field.Ī spending tracker will also allow you to see your largest categories of spending. You can audit your spending as you go along, making minute adjustments accordingly. For everyone else wondering why you should bother tracking your expenses, I’ve got your reasons right here!Ī spending tracker is more flexible than a budget. Why bother trackingįor the datasexual among you, spreadsheets are their own reward. One way we can help motivate you to save is with the patented Bitches Get Riches savings goal coloring book, which you can get at our Etsy shop. You know you have to, but there’s no joy in it. Saving money without an intended purpose for those savings feels a lot like… eating tasteless protein bars to stay alive. Having a savings goal is extremely motivating. What should I do with my leftover savings? ![]() If that still fills you with anxiety and a desire for exact, concrete numbers… then maybe you’re one of those people who needs the comforting restrictions of a budget. It’s a valid point! And its why you should a) first save up an emergency fund, and b) keep a comfortable buffer of money in your checking account at all times. Without a strict budget using exact numbers, how can you be sure you can save your average leftovers every month? What if you need that money for increased dog happiness but it’s already been saved or invested or- gasp!-spent on debt? I can tell some of you are cringing at words like “average.” Yes, I see the flaw in my logic. This concept is known among much wiser financial experts as “pay yourself first.” And once that’s done, a budget doesn’t really matter. After that, who the hell cares what else you spend your fucking money on? You’ve saved your leftovers before paying any bills or making any discretionary spending. Do it first thing, as soon as you get paid. For once you figure out your average leftover money every month, you then know how much you have to save every month. And it’s not just because my entire life is ruled by my stomach and I am but a slave to delicious food. And most importantly: how much, on average, is left over.ĭear readers, you know how hot the term “ leftovers” gets me. Once you track your spending, you can figure out some averages: how much you spend on groceries on average, how much you spend on transportation on average, etc. I’m not going to sweat this, as the repairs were successful and I shouldn’t expect to spend this money on lightsaber repair again next month.īut I’m going to call only $300 spent on cheese crackers in a single month a major financial win. It looks like the kyber crystal in my Darksaber malfunctioned twice, necessitating multiple repairs. I can also see that it was an unusually expensive month for lightsabers. So I should definitely plan to cut back on those next month. At the end of the month I can look back and see that while I managed to save $800 in leftover money, I clearly overspent on toy dinosaurs for the garden. ![]()
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