Disability is I guess welfare for white people? The kind of social safety net even Republicans are okay with.
“Yes, I did it!” I thought, after a successful phone interview for my first full-time job. “I’m moving to New York!” This was followed by another thought: “Oh no, I’m moving back into women’s housing.”
There’s my record player. I wouldn’t mind selling that. It has a speaker connected to it, which means it doesn’t sound as good, which means any serious vinyl head would judge me for having it.
As requested, here is an open thread in which you can share your 2015 budgets.
When you ask Billfold readers to critique your budget, they critique your budget. With that in mind, here’s a revised and updated 2015 budget, incorporating your suggestions.
Have you figured out how much discretionary income you’ll have every month in 2015? Is that something you consider when you plan your spending?
I paid for and enjoyed having cable television when I lived with roommates, but when I decided to live alone, keeping expenses low meant cutting the cable cord and not owning a television. I had a Netflix subscription with a two-DVDs-at-a-time plan, but even that was eventually whittled down to a $7.99 a month streaming-only subscription, supplemented with the occasional iTunes movie rental.
Normals are prioritizing their alone time, regardless of the cost.
For those of us who live paycheck-to-paycheck, for whom the accumulation of savings is always one perfect-month-without-crises away, it is important to take pleasure in the little things. For me, one of those little things is the stretch of the month between the 15th and the 25th, when all my big bills are paid — student loan, 2011 independent contractor taxes on the installment plan — but the next round of them — rent, phone, after-school for two kids — is still the better part of a week away.
Often, a paycheck, or, more precisely, a pay advice from a direct deposit, arrives during this period, giving me the false sense that I am getting ahead and accumulating the absurd amount of emergency cash that financial planners smugly say I should have. By now I have learned not to rely on my foolish notions, so I resist big purchases (well, maybe a few extra drinks). Instead, I just luxuriate for a few days in a false sense of financial security. This month, it’s false financial security and a glass of egg nog with rum in it. Happy holidays.