Hi! I will be honest when I say I am not exactly the best at budgeting. Because I live at home, it is really easy for me to budget, because I don’t have living expenses just yet (meaning I don’t pay rent or a mortgage, I don’t pay utilities or internet). I literally just take 75% of my paycheck and put it into savings and that leaves me with plenty of spending money leftover, so that when I do decide to move out and live on my own, I will have a nice big nest egg… because let’s be honest… the “real world” is expensive!
I think that you need to have the idea that you are saving for something. In my mind, it is easy for me to put away that huge portion of my paycheck because I know it will make things a lot easier for me when I move to a place of my own and that piece of mind is enough to keep me from buying that super cute sweater at J. Crew.
If you are a shopper like me, try and make a list of your wants. Not a ridiculous list but things that you want/need that you would be able to afford after saving for a period of time. For example, I really wanted a pair of Ferragamo flats and quite honestly, they’re expensive for shoes (in my opinion). They were out of my budget. So what to do? I saved for months. Saved away a little at a time and soon enough, I was able to comfortably afford the shoes without breaking the bank.
Another thing is with Starbucks. You can really get carried away. A coffee here, a coffee there, it really adds up. I have a Starbucks card and at the beginning of each month, I load a set dollar amount onto the card. If I run out before the month’s end, then I do without Starbucks.
And another tip… don’t go to Target. Seriously. For me, it is a black hole. I go in for granola bars and come out with way more than that. Go to Walmart or your local grocery store instead! It sounds goofy, but I am telling you, it will save you from spending unnecessary amounts of money!
Hi! Thank you! I have never sold any of my old clothes/bags/shoes/etc. It’s always a thought in the back of my mind, but it takes a lot of time and effort to take them to a consignment store or set up shop on ebay.
I find it is easy to toss things into bags and donate to Goodwill. I do this several times a year. Usually in May and September when I am transitioning my clothing between seasons. Plus, I figure by not selling my clothing and donating, I am helping someone out there in need!
My number one item is a David Yurman Petite Albion ring, which is my big want!
Other than that, I am just asking for Lilly/Ralph Lauren/Brooks Brothers clothes/accessories and a Sephora gift card because there are a few beauty products that I’d like to try out.. basically whatever my mom wants to surprise me with!
cCm is asking for a Macbook Pro as her big gift and then the same as me for random other small gifts.
To avoid the binge eating, don’t keep things in your room that you are tempted to eat… or, don’t keep things like M&M’s. I used to keep things like granola bars, carrots and hummus, etc. that way, when I did want to snack, it wasn’t totally bad.
When I lived on campus, I worked out a ton. Freshman and sophomore year I practically worked out 5-6 days a week. Senior year was when I moved off campus and didn’t got to the gym barely at all.
I read in a magazine that sometimes when you think you are hungry, you are actually thirsty, so I try to drink a lot of water before I reach for a snack! I hope these tips help!!