Sandi Calio

  • Member since June 2023
  • 0 contributed posts
About Sandi Calio

(BS6) YES! Perfect time to get started! Pretending you don't have the raise money is a good idea - but let's make your budget first. Put 10% of your previous pay aside for giving.

Go through your last 3 months of bills. Find everything related to your 4 walls - House, Transportation, Utilities and Food. Add up each category (decide if you want to break down some categories more - like subscription services separate from necessities like Electric or gas) and divide by 3 - that's your average. So write down those expenses in your budget. Now find the minimum payments on all of your bills - write that in. Does your previous income cover? If not - you need to consider using part of your new income. Even if so - the next step is to think of sinking funds and more discretionary items and add those to the budget - and again, check to make sure your previous salary overs. And of course - we're working to a zero based budget - so your money left over will be planned toward your debt snowball.

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