#^^idk if itll be the first day but it will be un the first week

[chimeracrash]

chimeracrash will return to the living in pridemonth

[venusiangguk]

BUDGETING

dont know if everyone will still want to know on budgeting lol

I don't want to sound like a bitch yk

BUT

I think the most important thing for me was learning to give yourself the freedom to enjoy things like little by little

I used to do this thing where I was uptight for a super long time and then I wpukd splurge huge amounts and for nothing.

I'm not religious either but I truly believe that setting out a little each month/week for charity is great bc it's always comes back in a form that's greater you know.

Pay rise, new job opportunities, idk good things.

Ik it sounds cringe and gross but I think it's worth it !

THE STEPS LMAO

Okay so I always but in 40%-45% like in the bag already savings I mean (this can obvs be adjusted to fit your own needs but if say keeping over 30% is key!)

And work around everything else in the steps below !!!

If I was brave enough I would send pictures of my last year budgeting plan and how I managed to save !! But I'm not 😭😭😭

the first step for me would be to list your monthly income !

Monthly is way easier to work with and easier to adjust in the long run !

Second would be list out things that have to be paid always. So fixed expenses.

I.e rent, MOT, bills, food ( for this I would highly recommend just having a monthly shopping of like say £20-25 - seems un do able but isnt !!! Frozen veggies are your best friend:)) gym membership, spotify, prime all of that.

Third which is super important for me at least would be to set out a like reward bonus for yourself.

( in cash preferably- like so once it's gone it's gone you know- like monthly rewards for yourself - sometimes you use it and sometimes you dont!! )

Fourth - ALWAYS SET AN EXTRA LIL FUND FOR THE UNEXPECTED THINGS!!! ( car crashes, dentist, medicine if your toaster breaks if your fridge breaks !! all of that lovely stuffs 😃)

So when you look at all that infront you- really just scrutinise it.

Like -

How much of that do you really need to spend?

Is there anything you can cut out on ?

This is super important at least to me bc then I see that yh shit - that is crazy I'm spending useless money )

I think that also keeping student loans separate is SUUUUPER SUUUUPER bc it just. Idk if anyone else is like this but seeing how much they expected from me to be able to learn always depressed me so I made a separate folder for that- made it pretty so it didnt look sooo bad lmao ) but I think the biggest part was getting to grips that I had all that to pay back!!!

Then like random things :

Concerts, events, holidays.

Like make sure you have them planned in advance and make separate funds for all of them.

To cater to what they need! Like for a concert- hotel and food money and merch buying and army bomb and a NEW OUTFITTTT lmao)

And yh - I think setting up a teeny amount for charity or to help ppl is always great aswell bc well idk you feel good and it does always come to find you- doesnt have to be a large amount. Maybe even a food box every month or smn cute and sweet like that !!

This is how I did it : ( kind of irrelevant and just abt silly me lmao but maybe itll help(?))

So i used to work night shifts at this horrible packing place ( it was freezing too but the pay was so good! It was £15-18 an hr ( sometimes even more )and I used to work from 11pm-4am 7 days a week like I didnt take a day off until I quit and i did it for 2 years ! That was like 50k but I had a lot of things to pay off and my parents wanted nearly all of it back off of me 😃)

This is also the NOT the job I wanted yk? Like I used to work with a bunch of stinky ass men and it sucked but I had to do it bc well my parents kicked me out bc I was non religious looool.

I was never enough and I just got kicked out yk? ( oh no not my sob story but just to put it into perspective sort of like I was fucking depressed my money was going like wildfire )

So I had to kind of take everything/every opportunity. They expected a lot back from me too in that way like alot of my learning was going to them :/)

From 5-7

I worked at a bakery ! Cooking and baking and having fun! That was the best job I had the pay wasnt all that but it was something and I needed everything I could get ! It wasnt everyday either but so and so.

I also am bilingual so that way I was able to get a job as a teacher in a daytime school teaching which I did voluntarily! For the first year !

( I had this routine for 2 years!!)

So like I was getting an okay amount from these jobs but god heavens I was spending so unnecessary.

Like a high price for a shit apartment where I would have to pay for things to get fixed to and that was really expensive.

My parents also took alot first year earnings and that's when I was like well shit I have nothing I really need to like get my shit together yk?

There was student loan (- I dont want to like envoke sympathy bc of all this I just wanna like say that my money was kind of slipping away yk I feel like I'm being annoying 😭😭😭 ) - and just a whole lot of wasting on food ( my biggest expenditure- at the time I was struggling with binge eating and bulimia so 🙃🙃 yh )

Dumb shit off amazon, and like just crap you know

Also car petrol and mot and car stuff. and bus and train fares just money can go so easily.

It was just super super tiring to have juggle all these balls at once but when I got the hang of it like doing all those steps I felt more free and more aware of myself and I was able to enjoy while still getting yk the most out of what I do.

I work as a translater/teacher now so the pay is good and like using these steps is how I got the most out of myself

Uh idk If this even makes sense anymore and I'm sorry if come off as bitch too

I don't mean to or come with a sob story

I just think its important to like realise that no matter what and who in your life demands things from you - you always have to choose to look after yourself first- how you choose too look after yourself is ultimately how you choose to look after others too ! Take good care of yourself - give yourself a clearer mind and you'll be able to see a bigger picture- outside of the one built for you !!

If your struggling with other issues - mental health too it can help bring clarity to that too ! Bc it's some sort of semblance.

Gosh I feel gross what if you have to read all of this 😭😭😭

I hope it helps you ♡♡

Budgeting is really important bc we need to buy houses!!

Need property!!!

Start our own businesses !!

Become our own bosses !

It's just super important to know your expenses you can know yourself better too !

And you can be more mature and more self aware

💜💜💜💜💜💜💜

Gosh I really ate your ear off with this one

for everyone wondering about our bestie w 50k savings: this is her story !!