budget

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My April Budget 

I thought I would give some insight into what my monthly budget looks like in Google sheets.  I created this template years ago but didn't start using it seriously until my debt free journey started a year ago.  I use the "reverse budgeting" tactic.  Reverse budgeting means that you list out your income for the month, deduct all of you expenses and debt payments, and what's left is what you have to spend.  I get paid every two weeks so…

How To Be Social While Paying Off Debt 

One thing I consistently struggle with is being social while paying off debt.  I'm single and in my 20's so most social events are at restaurants or bars multiple times a week.  On average I spend about $30 each time I go out.  That includes roughly 2-3 drinks and an appetizer eaten at the bar or shared with friends.  If I continued to spend $30 four times a week out that would be $120 a week, $480 a month, and $5,670…