MY FIRST EVER BUDGET (SCARY‼️) 💸

confession time: i’m 21 years old, recently graduated college, just got my first ever credit card… and have never ever made a budget before.

i’ve been working since i was 16, but through a series of changing jobs, bad money management, college debt, and a brief shopping addiction, i’ve never been financially stable. i’ve decided that this year i want to change that and lemon8 was actually the catalyst for that.

i’ve been enjoying the budgets people have been posting on here and decided to attempt to create one of my own! the first thing i learned is that i’m getting SCAMMED by my job! they advertised when i was hired that i would be getting $16.50 an hour, but some weeks i was only making $12.71 an hour! where is all that money going? there’s no way it’s all to taxes… right?

this month was probably also a bad example as i owe my landlord $875 on the first of september. that makes it an even better place to start though because i need to give myself spending limits so i don’t spend too much and end up broke until my next paycheck! now i know how much i’ll have leftover and how i should be spending that.

$150 to spare is not great… definitely not financially stable yet. but it’s a start to a new habit that i want to continue and we all have to start somewhere!!

do you guys have any advice for me? any suggestions? (besides getting a new job because i don’t have time for that right now 😭)

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