Being a real person has taught me quite a bit about budgeting and saving. While I’m still new to the world of big-boy finances, a key nugget that I’ve taken away already is that having a financial plan is important. Knowing how much per month I’m going to have to dedicate towards student loans will ultimately allow me to figure out how much will be left over for groceries, rent, and fun. With things like an expired apartment lease looming in my future, I knew it was important to have my numbers hashed out this month.
A few weeks ago, I made a fantastic discovery: Real people get spring breaks too! Well, if they want to take them in the spring, that is.
As a professional, I earn magical little things called “FTO (flex-time off) hours” that accrue during every month I work. In my short tenure, I’ve gained enough to go on a 4-night spring-break trip to Puerto Rico with my friends!
(Cue montage of MTV spring break.)
The last you heard from me, I was putting together a real-person budget! This was my first plunge into the world of budgeting, so I didn’t know what to expect: I could end up way under my thresholds (optimistic) or way over them (pessimistic, bordering on realistic),
I’m happy to report that, for the month of February, I kept my income above my total expenses—and actually saved some serious money. Woohoo! That being said, this “success” still showed me a few areas for improvement.
I’ve been referring to myself as an adult ever since I moved away from home and started college. In a way, I’ve been lying to myself: I don’t think true adulthood really starts until you have significant income and, in turn, significant expenses.
I’ve always been one for setting long-term goals, and that applies to my financial life as well. When I started my job, I knew I wanted to have a better handle on my spending and saving habits. After a month, I felt like I had enough information to start on that track. So earlier this month, I dug into Excel and began to budget.
I have a confession to make.
Though I haven’t blogged about it at all, I started my first full-time job last month! I’m working in the marketing department of a Boston-based technology company, and so far, I love my job.
It happened very quickly, but all of a sudden, I’ve become yet another buzzword—a “young professional.”
Yeah, yeah, I know: The holidays are officially over. However, that doesn’t necessarily mean that gift giving comes to a screeching halt—especially in my family.
In addition to holiday gifts, we have four December birthdays and three January birthdays. That means winter can be a very expensive, gift-filled season.
Over Thanksgiving break, I was doing some homework at home (i.e., my parents’ home) when I needed something for the first time in a while: a glue stick.
I was partially appalled (my final year of undergraduate study involved work with a glue stick?) and partially clueless (where could I even find one?). I checked the boxes stuffed in my dad’s office closet, finding a glue stick, as well as my old high school, middle school, and elementary school poster-board projects.
Never did I think 6 years of horrendous science fair experiments could make me nostalgic, but they did. It hit me hard and fast: I only have 1 week left to be a student.