Budgeting 101: An Introduction to Not Screwing Yourself Over Every Month

Hello and welcome to Budgeting 101. I’m The Responsible Adult and I’m here to help you manage your money and figure out what you can actually afford on your piss-poor salary.

I’ve created some budgeting spreadsheets for y’all ranging from super simple to very detailed. You can download them here. Explanations & (very basic) budgeting guide behind the cut.

WARNING: MATH SKILLS REQUIRED. HAHA, SUCKERS, YOU THOUGHT YOU WOULDN’T USE THIS IN REAL LIFE.

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For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it—lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish’?
—  Luke 14:28–30
look, finally something other than instagram pictures
  • Oh hi guys. I said this a couple weeks ago, but I’ve been pretty quiet here and now part of me thinks it’s partially me feeling out of place. I read about you all kicking ass, and I’ve just been kind of meh lately. I guess I don’t have much to say or at least I don’t feel like I do.
  • I thought I found my wagon, but then I burned it in a fire. Time to get back to some consistency. Story of my life?
  • In other news, CrossFit Games on the beach = 1 million inappropriate comments with my main Bs. Basically it boils down to all of us wishing the entire weekend could happen in swim shorts. And lots of leery emojis. Don’t forget those.
  • Celeste is gone, and I am sad. 
  • Our workout tonight is called “Ze Grip” and consists of way too many toes to bar, cleans and deadlifts. This is going to hurt.
  • I ate breakfast at home and made coffee for myself. THIS IS A BIG DEAL. Sad.
  • (Let’s ignore the fact that my breakfast was half a leftover sandwich Celeste left in my fridge.)
  • So, my first month of limiting my personal spending is going … not that well. Next month I’m going to focus on actually budgeting my money and not just spending willy nilly. July was me going out for lunch and getting coffee too much. GOOD JOB, AL.
  • I finished “City of Thieves” the other day, and it was great. 
  • OK bye.
Hello Recent High School Graduates - Bomb on Budgeting

So I notice that a lot of you have either just graduated high school, or are going to graduate in the next year or so. Congratulations on one more step towards the real world. 

And if you’re anything like I was, you’re excited, anxious, and generally terrified. Me after high school graduation:

  • Not social, never went to a party, not good at talking to adults/teenagers/strangers/small children; only good at talking to animals and fictional characters
  • About to move 6 hours away from home and live in a dorm/apartment, while not knowing anyone at all going to the same university
  • Terrified of owing money, terrified of spending money, terrified of paying rent, terrified of buying groceries, terrified and anxious over just about every detail of every responsibility that now belonged solely to me

I gamble that a lot of my followers want to go off to college, and be able to buy all the things that they want, including clothing, movie tickets, video games, vintage furniture, and most likely, food. With this in mind, I would like to give you a few words of advice on budgeting money that my teachers and parents should have given to me:

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The Smart Writer’s Guide: Save Money On Submissions

For most authors, writing is a labor of love and not necessarily a major source of income. While you should never, ever cut corners when it comes to the quality of your writing, cutting expenses can make it possible for you to reach more publishing markets. For a more budget-friendly submission process, these thrifty ideas are right on the money!

where'd you come from, july?

Seriously, how is this year half over? Cue internal panic.

This is going to be a busy month. Scott’s little sister is coming to stay with us for a week for her birthday, and Celeste is visiting.

It’s been a while since I set some goals. Here we go:

  • Read four books (I’m halfway through “The Silkworm" and I’m totally counting it toward my July total)
  • Take at least four CrossFit or conditioning classes each week.
  • Limit grocery spending to $100 a week. (This feels lofty, but I can do it.)
  • Keep personal spending to $125 (for the month).
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