this post was submitted on 15 Jan 2024
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The amount of stress that immediately goes away when you are able to stop the paycheck to paycheck cycle is priceless. Nice work!
It also helps that I’ve got a little financial system going.
I get paid every two weeks. My rent is about 1200. Each paycheck is about 1200 - 1400. Paid every two weeks. Each paycheck, 1000 goes into my “bills” account, and the remainder into my “spending” account. So each paycheck I get about $300 for groceries, coffee, entertainment, whatever.
All the bills are on auto-pay to draw from that bills account, and the 1000 per paycheck is enough to cover all my bills plus save some. So my savings is accumulating in the bills account.
I also got myself a credit card for the first time in twenty years, and now my phone bill’s being auto-paid from that, with the CC being auto-paid from the bills account.
That structure helps too. But I wouldn’t have been able to start it without a lump of cash on hand