Budgeting over the years!

I wanted to make this post mainly so I could see how much I’ve changed, budgeting-wise, over the years. Also, I never liked the stigma over not talking about how much you make. If you have a problem with someone being paid more than you, 9/10 it’s usually because they have more experience. At least, that’s what I’ve noted in my few years of working.

So, I’ll start in 2016, when I got my first actual job. I started at a McDonalds that was just as much of a hell-hole as every other fast-food joint. I made minimum wage- $7.25/hr- and usually came home with about $500 every two weeks. Of course, none of these amounts are going to be exactly what I typed. Give or take a little. So, my budget would look something similar to this:

$500bi-weekly

  • $70- Gas
  • $50- Phone bill (once a month purchase)
  • $100- Car insurance (once a month purchase)
  • $100- Groceries
  • $50/$100 roughly- Savings
  • $130/80 roughly- Free Spend

So with that, I had some nice spending money. The next job I had was from 2016 to 2018 (roughly) and was at a pub about 5 minutes from the community college I was attending. This one was exceptionally harder to plan for since I was still being paid minimum wage with less hours and my mom even helped by taking over my car insurance payments.

$100 +$30 give or take in tip outweekly

  • $50- Gas
  • $50- Phone bill (once a month purchase)
  • $20/$30-Groceries
  • $20- Planet Fitness (once a month purchase)

With this budgeting, it was a weekly thing to know whether or not I’d have any extra money and if I did, I barely spent it. I was so anxious that I would end up in the negative to not save it. I mean I had to be that way if I wanted to be able to afford things. This was also when I was hosting. I became a server a few months before I quit and things became more difficult to plan and budget since I didn’t know how much I’d be making each week. Anyway, I left that job and worked at a daycare where I was paid $8.25. My first time off of minimum wage! I’ve, since, refused to be paid less than $8. It was good timing that I got this job because not long after, I had to start paying for everything at the house since my mom moved in with my step-dad.

$600– bi-weekly

  • $35- Water bill (once a month purchase)
  • $60- Trash bill (once every 3 months purchase)
  • $87- Car Insurance (once a month purchase)
  • $10- Planet Fitness (once a month purchase)
  • $8- Hulu (once a month purchase)
  • $50- Phone bill (once a month purchase)
  • $50/$100- Groceries
  • $70- Gas
  • $100- Savings
  • Whatever is left over- Spend

So, with this many bills, I mainly just split them in half for each paycheck. My brother was also working at the time so he took the other bills I didn’t mention. Now, I’m the only one working and he’s burning through his savings trying to pay his share of the bills, but I still have just about all of them. After I left the daycare, I found my current job which is a Hotel/ Breakfast Attendant and I make $8.15 an hour. It’s only 10 cents less but I no longer get more than 30-ish hours a week. So, my paycheck is still lower.

$450/500– bi-weekly

  • $35- Water bill (once a month purchase)
  • $60- Trash bill (once every 3 months purchase)
  • $87- Car Insurance (once a month purchase)
  • $10- Planet Fitness (once a month purchase)
  • $8- Hulu (once a month purchase)
  • $50- Phone bill (once a month purchase)
  • $150- Electricity bill (once a month purchase)
  • $25/$50- Groceries
  • $70- Gas

And this one is a bit of a “rough sketch”. I’ve only worked enough for one full paycheck. I’m not 100% on how much I’m spending, so some of this is definitely give or take. I’m also unable to have any extra money since I’m putting aside a huge chunk for a hotel stay in December. It’ll take about a month or two for me to get my budgeting settled and I’m able to start putting money into my savings, again. It look pretty sad compared to last month.

Anyway, it’s pretty interesting to note the changes and sacrifices I’ve had to make over the years. There were some times where I could go grocery shopping with more than five items on my list, ha ha. I’m hoping things even out and I eventually stay on the B-Fast Attendant schedule since that would really open me up for a second job. Hell, I may even go back to the pub since I loved the co workers and environment so much. Only thing is, I need to find a good anxiety medication, first. There’s no way I can serve under these mental conditions.

Published by iffybiffy

Hi! I started this blog to give some college tips and talk about my anxiety and experiences. Recently, the blog has grown and we are currently adding some members with their own agendas to the page. We hope you enjoy what we post!

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