I really want this lifestyle:
Simplicity in the fresh mountain air! Work on my time. Play on my time. Learn how to travel.
But until the Debt is paid off (and various other accommodating factors are cared for) I am where I am, the ‘burbs. This is a tough one to reverse for me. But persistence it shall be.
1. Live within my Means
Even thought I have a high income, it hasn’t always been so easy to stay within my means for various reasons. My goal is to live within the confines of my net pay.
2. Zero-based Budget always
I have a cool main spreadsheet where I create a zero-based budget for every paycheck.
3. Track all my expenses
For the last few years, I have been a Mint girl. I love how it shows me that psychologically I just haven’t gotten my shit together. ;)
4. Have a $1,000 Emergency Fund
I usually treat sinking funds as my EF. But a sinking fund account is a revolving account. So I have a $1,000 set aside solely for emergencies.
5. Save a paycheck ahead (potentially)
I would like to do this, but is yet to be determined.
Up Next: The Debt