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No GM today, SM, shitty morning. Shitty year so far on many aspect.

A funeral, family vacation cancelled, huge unexpected expense on utility, rent increas annonced, spend already twice in the last month an amount double or triple because I was not organized.

At least all the shit come at once, hopefully it will be quiet after that wave.

StreetRacer 1y ago

Sorry to ear that. Cannot offer much help with the rest, but regarding organization, money wise, I found that having multiple envelopes with the monthly values I should put aside, every month, written on it for a given predictable future expense is very helpful. When those expenses come I am not caugth off guard, as I am putting the money in each envelope every pay day. Unexpected stuff can then be easily managed. Hope this helps. Take care

#frugal #budgeting #advice #money #organization #expenses

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Discussion

Eluc 1y ago

Thanks for the support, feel better to share it already.

I did the enveloppe thing but with saving accounts (one for taxes, one for annual/semestrial bills + unexptected expense, one for holidays), however I have the feeling that I cannot fill them up as fast as they get depleted, and thus they often don't have enough to cover the unexpectes pass a certain (low) limit. Sometimes I use the tax resever if I know that I have time to the next bill and wait for end of the year extra salary anf bonus to fill up back.

But last year and this year I already had to sell some BTC to cover a gap.

With higher rent we will need a couple thousand more per year alone, so it will not get better. Time to fbd way to increase incomes.

StreetRacer 1y ago

I did that thing with the accounts and found out that the envelopes were better. With the account I could always move the money around and buy whatever. With the envelopes, I see only the money I have left for mandayory payments in my account and I know that if Ispentd some of it in shenanigans I will not be able to pay my bills. Also, with the envelopes, if I want to buy something, I need to make the extra step of getting of my ass and walk to the bank to deposit the money. That usually puts me off buying stuff that I want but will not need. If you are going for extra income, with discipline like that you will get back on your feet in no time. Thanks. Take care