After all the unanticipated income chaos with the tutoring and subbing fiascoes, I am finally leveling out. I created a budget going forward. I anticipate this budget to run through August. My goal is to have my certification requirements completed over the next few months so I can seek a full-time position next school year.
The numbers are net and figured on the low end, as my income fluctuates. Any additional money I will put in savings.
VA work : $300
I am using this money to pay the credit card and my dad ($150). The remainder goes to savings ($150).
Subbing (figuring on 15 days per month): $1050
I am using this money to pay the rent, health insurance, electricity, internet and water.
Editing: $500
I am using this to pay the cell phone, car insurance, life insurance, renter's insurance and critical care insurance (I can't find a disability policy on my own, so this is the next best thing).
Mystery shopping and microearning (Swagbucks, etc): $750
The first $400 goes to gas, groceries, bus passes and entertainment.
Remainder: IRA (avg. $350)
Any subbing over 15 days goes to savings. This covers any months that fall under 15 days and the summer months. My student loans are on deferment until September. I plan on keeping the editing and still doing some shopping when I get full-time employment. I will then start paying off the loans aggressively (and boosting my retirement savings).
Budget
January 21st, 2018 at 03:05 pm
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