Ah, to quote The Notorious B.I.G. is an understatement of what I've decided is the mantra to the past few months of my new adulting life. In review of my life in rewind from May to November I've graduated college, moved (willingly, but yet unwillingly back home), become gainfully employed, opened a retirement savings account, and even started saving more money for future me (you're welcome 2021 Maddy or hopefully sunbathing in Charleston, SC Maddy). With each passing day of the end of my 6 month loan repayment grace period, its become alarmingly real that my income will most likely no longer allow me my biweekly manicures, impulse beauty buys, nor support my tendency to "add to cart" and "check out."
So with a month before I begin my repayment, I've made the efforts to budget. Ew. But better late than poor-er, right? Although difficult to adjust to now, I know that it will be top 10 best ideas I've ever had. Because, you know, anything I do has to be my idea or I don't like it or won't follow through on it (hello Bic Mic and her endless suggestions to lob my hair). I've enlisted the help of two apps: Mint and Level. They allow me to create spending budgets for categories like Gas, Groceries, and even a specified Beauty section. I set the amounts at the beginning of each month with a specific amount in each category, which forces me to watch what I'm spending my money on, when I'm spending it, and does it actually bring me true joy? Oh, did I mention I'm reading a new book? Thanks to the Kondo method budgeting has and will continue to become easier and easier.
Because it's all good baby, baby.
p.s. do I need this shirt or do I need this shirt?!!