~How I got started (A bit of background)~

You’re not getting any of that introduction filler information here. Instead you just read the disclaimer. Now let’s start LEARNING THROUGH CONVERSATION!

I am excited to say that I got started budgeting

when I was a little kid. My father would always give me an allowance and I was taught to tithe at the tender age of 6-7 years old. As I got older, I didn’t get my first job until I was in college. I know. I know. That is such a late start. However, when I tell you that it was actually a blessing to get my first job my sophomore year of college and not have the responsibility of paying bills until my senior year of college. I had an entire year of understanding how I spent my money and how I NEEDED to budget my money.

Here is how I began:

I would calculate how much I worked and earned per hour, deduct 50.00 for taxes and that helped me understand what my take home pay would be.

After receiving my take home pay, I then knew how to allocate my funds to regular bills and what I wanted to be used for leisure activities.

Unfortunately, I will say that I continued to use that method until DOOMSYEAR (AKA 2020). That is right!

I didn’t start living that “month ahead on bills” lifestyle until this very year in April. Do you remember what happened in April? Yes, the stimulus check hit the bank accounts and mailboxes all around the country. That $1200 helped in securing the life I wanted of NOT LIVING PAYCHECK TO PAYCHECK.

However you would like to budget your money, DO IT! But please have a plan. If you would like more information about how I complete my budget, feel free to click the LINK.

Peace and Blessings

-J

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