I don’t have much wiggle room for fun.
I’m 26. Only 11k in savings (HYSA). No CC debt but I do have federal student loans and a car note. I am a federal employee so maybe I can get PSLF in the future I also contribute to my TSP. This is my monthly budget. I don’t think it’s bad, but it could be better. I want a little extra spending for vacations or to buy things I like. Unfortunately, my used car I bought in college decided to no longer work so within the last year I’ve had $700 in car expenses because I stupidly bought a new car and my parents rightfully decided it was time I should pay my own insurance. On top of that l decided to get an unfunded masters degree so now I pay student loans, so within the last year I’ve had $900 of additional monthly expenses. I’m thinking of just getting a second job. But here’s my budget:
Monthly Take Home :$4,173.04
Monthly Expenses: $3,844.33 - $4,074.33
-$1,300 Rent
-$511.82 Car Note
-189.25 Car Insurance
-$212.36 Student Loans
-$75.00 Electric*+/-
-$65.00 Gas* +/-
-$50.00 Water* +/-
-$2.99 ICloud Storage
-$16.50 Hulu
-$15.17 Amazon
-$16.24 Gym
-$180-$240 Gas*
-$350 Groceries (Includes Misc)
-$170-$340 Hair
-$585 Roth IRA
-$105 HYSA