Broke, Single & Living in Miami 🥴

THE COST OF LIVING IN MIAMI IS HIGHER THAN THE NATIONAL AVERAGE ‼️

EXPENSIVE !!! It’s definitely not easy living here by yourself without the support of family but struggling with finances can really make or break you….

SO WITH THAT BEING SAID HERES HOW I BUDGET SO I DONT HAVE TO MOVE BACK TO WISCONSIN😅

1.) I made a spreadsheet of all of my expenses, and all of my income sources. This spreadsheets calculates how much money I should have left on “D-Day.”

NO, I guess it’s not really a Dooms Day but I call it DUE DAY, meaning the due date of each bill.

My budget is made every 15 days, because I get paid on the 15th and the very last day of the month(30th or 31st). Having a visual representation is so essential for me, and has been a real game changer! This way I can see what’s REALLY in budget for me! Also allows me to see if it would be a better idea hold off on buying a non-necessity.

2.) SPLIT BIG PAYMENTS IN HALF, I spilt payments like my car note and my rent into two, so I can stretch the money I have. You ALWAYS have to have some funds available in case of emergency! ITS A MUST! I’ve learned that trying to pay one big payment off in one check can definitely put you in a some distress!

3.) BANG YOUR BUCK !!!!! Try to capitalize off of sales, coupons, or store memberships that offer discounts as much as possible! I joined Walmart + which has a money back option of selected items mix perfect for restocking your household essentials! Also has a cash back on gas purchases🙂‍↕️

4.)BE FLEXIBLE…. With your “flexible expenses” aka the expenses that depend on usage, or things you can control like your weekly Uber eats order….. remember the less you spend the more you can SAVE !!!

5.) SAVE !!! PAY YOURSELF FIRST! Make a monthly savings goal, and each check put away half of your goal amount. I do this from my remaining balance after paying all of my bills. Requires some discipline, BUT DONT YOU TOUCH HER !!!! Most Americans do not have the ability to build a sturdy savings account to use for emergencies. SO SAVING MONEY IS SAVING YOURSELF!

Wishing you prosperity,

Love always your fav girls girl 💕

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@Lemon8tainment