Bougie on a Budget
Bougie on a Budget
I’ve been told I’m the poster child for Millenials and to be quite frank, I’m not mad at it. I embrace it because it’s facts; HOWEVER, I’m a millennial on a budget. As I get closer to 30 (I’m 28 by the way, but I look 18), I realize how important it is to stick to your lifestyle’s budget. If I know I can’t afford it, I’m not buying it. I’m truly learning the difference between a need and a want, especially since my ass has been TRYING FOREVER AND A DAY to move out of my parents home.
1. Know the difference between a “need” and a “want”.
This has to be one of the toughest things to manage when it comes to living on your own or living with someone else. Unless you were born with a silver spoon in your mouth, knowing the difference between a need and a want is important. You might want some shoes, but you need to buy groceries. You may want to go on a vacation, but you need to get gas to go to work tomorrow. Budgeting is important.
2. Make a Budget Planner.
So if it’s suuuuper difficult to decide between your needs and your wants, make a budget planner. Write down the things that are most important to the least. Also, it’s a good way to save money for the things you want to do later, i.e. a special trip, birthday plans, holiday plans, etc. It’s a simple tool that will go a long way.
3. Second Income
Now, I know it seems like a pain in the ass, but sometimes having a second job comes in handy when it comes to budgeting. Let’s say you don’t make enough money from one job to support your lifestyle. Having an extra source of income can ease some of the worry that you have when it comes to maintaining the type of life you live. It may be a bit of a sacrifice, but it’ll pay off in the long run.
4. If All Else Fails, MOVE!
Sometimes, in order to live comfortably and in order to live the lifestyle you want or to make the lifestyle you have or that you’re used to work, you may have to find a place to accommodate what you’re used to or what you want to have. One thing I will say about California, the Bay Area specifically, if you don’t already have the money or if you don’t have a roommate, it kinda makes it hard to enjoy. It’s beautiful, but is it really enough? That may also be a question that you’re asking yourself as well. Moving sometimes is a financial investment within itself.
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