I’d like to not stress about money kthx
I started working at SysadminJerb about… six months ago or so. I’m looking to pickup a second job hosting at a finer restaurant since I’d like to be able to talk to more people on a regular basis; Working by yourself in a datacenter is not conducive to long conversations in person.
So why is it that I’m having a hell of a time budgeting my money? I’m realizing I’m spending more than I really want to and right now I’m not sure… why. This isn’t a problem I had to face when I was working in a restaurant full time, so now I’m just spinning my wheels trying to figure out why this is happening, and more importantly, how.
I think I’ve got the why figured out: Since I have loads more free time than I ever did before, I now have that much more time available to spend the money I’m making even when I don’t mean to be spending that money.
The how it’s a bit harder but I think that, over the past few months, the average amount of money I spend in small transactions has gone up along with the amount of transactions that I do during a pay period, which follows the fact I have more time to be out and about than I did before.
So now I’m on the search for a budgeting tool that will help me with this. I’ve tried using Mint before but… at this point in time they haven’t added any new features in a while and I’ve had a devil of a time connecting it to my auto-pay accounts, so it let’s me track only some things instead of everything. I’ll try it again since it’s free but if it doesn’t work out I’ll just let it go and never look back.
I’m also looking at other tools like You Need a Budget and Financial Gym. Right now I’m thinking those are nice but… they’re paid and I would prefer to not add more pressure to my wallet.
So as a first step I’ll try Mint, then if that doesn’t work look around for a spreadsheet I can use on google sheets, then if that doesn’t work I’ll try YNAB and the rest. I don’t have a need to track everything but it would be nice to have a better overview than the stuff my bank has for me.
Right, this all reminds me: I can actually use these tools because my income is more or less stable now compared to what it was before: I can count on a solid 40 hour work-week month after month, and before I had to actively fight for working hours. So that’s a big change.
I probably just need to cut a few services here and there that I have not been using to their full potential, or ramp them up so I do use their full potential.
Going to be habit changing, to say the least…
