3 Surprising Financial Results From Living In NYC A Month

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I made it, SALT™ Blog. It has been a whole month in New York City, and I haven’t been mugged or gone broke yet (*knocks on wood*). And thanks to a stringent budget, some piddling Excel skills, and a general willingness to skip dinner from time to time, I’ve managed to meet my savings goals for the month! Woohoo!

That being said, there were definitely a few close calls. They were surprising close calls, too. Living in a city comes with a whole bunch of different expenses that you don’t really run into as a student or a suburb dweller. So, if you’re planning to make the move to an urban-landia in the near future, check out some of my budget results below—I think they may surprise you.…

Creating My First Excel Sheet Budget: Is This Growing Up?

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The other day, I was chatting with a coworker who has been freelancing for 10 years. Like the 20-something I am, learning as I go, I word vomited something like the following at her: “How do you handle taxes as a freelancer? Do you itemize?”

She now handles taxes differently, being married and having “dependants” and all, but when she started, she tried the whole itemizing thing. How’d she handle it? With two things, she said: receipts and an Excel sheet.…

Takeout, Entertainment, Clothes: Fixing These 3 Budget Busters

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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.…

Why Every “Adult” Should Have A Budget

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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.…