几周前，我在全国几千英里处搬到了我的第一年研究生，现实世界中的大型工作。这是一次非常令人兴奋的，只有略带恐怖的经历。我都准备在本周结束时获得我的第一笔薪水，因此，这就是我设置不完美的，首次入学预算的方式。我知道，随着我调整不同的费用，这将在接下来的几周内发生变化，但这是我开始的方式。
Paying myself first
首先，我的每月带回家薪水约为2,200美元，分为每月两个薪水，因此我创建的预算为每薪1,100美元。我可以通过公司的人力资源门户将直接存款最多划分为六种方式，因此我从三个自动储蓄帐户开始，然后将其余的剩余时间发送到富国银行的一般支票帐户。
- Emergency savings account with Capital One: $100
- Roth IRA退休帐户，富裕：$ 50
- 高盛的高收益储蓄帐户：$ 50
It was important that I paid myself first, and by automating my savings, I have no excuses for not consistently building up these accounts. Anemergency savings fundis my biggest priority right now. Once I save three months of living expenses, I will decrease the emergency savings automatic contributions and redistribute the money I normally would have sent there to my high-yield savings account and my Roth IRA. I realize $50 isn’t a whole lot, but I think it’s important to get into the habit of saving money, so I’m starting now regardless of the amount. And, outside of my long-term savings accounts above, I have a savings account and a second checking account with Wells Fargo, into which I manually transfer funds depending on the category.
从每个薪水中预算“可悲的钱”
节省后，我有900美元可以与每个薪水一起工作，这是直接存入我的主要支票帐户的金额。接下来，我为我的固定费用进行了预算：学生债务，租金，汽车保险和我的网站订阅，这些费用将在本月的第一个月到期。我计算了每个月到期的总金额，从每个薪水中取出一半的金额，然后将其转移到富国银行的上述第二支票帐户中。我喜欢将其称为我的“可悲的钱”帐户，因为它完全是持有我一生中所有可悲事物的资金的地方：
Student debt: $50
I didn’t take out college loans with an institution, but I did borrow from the Bank of Mom and Dad. Thankfully, they don’t charge interest and I pay them $100 total each month via Zelle. I know how lucky I am to have such a low monthly payment, but I’d like to increase this amount because the sooner I’m debt-free, the better!
Rent and utilities: $550
My portion of the rent is $1,100 each month, which includes the gas, WiFi and electricity, for the 2-bedroom/2-bathroom apartment I share with a roommate (I live in a suburb of Los Angeles, and trust me, that’s considered “affordable” around here).
汽车保险：40美元
I’m really proud of owning my car outright – my name is on the title and everything! – and being responsible for the monthly $80 insurance is truly the most “adult” feeling I’ve had to date.
Squarespace website: $8
在我从大学毕业并进入专业舞台时，在我的学术领域里拥有一个个人网站是我的学术领域的必要条件。yabo88 app现在，我被雇用并且不再积极地求职，但现在仍然不错，但仍然有好处。我正在弄清楚如何扩展我的网站，以收取每月16美元的订阅费，直到我再次求职。
带有两个支票帐户的预算
在这一点上，我将把$ 648转移到我的“可悲的钱”基金中，剩下252美元。我没有用于“悲伤的钱”帐户的借记卡，因为这只是我在线支付的账单。我预算的其他所有内容都将来自我的一般支票帐户。
A girl’s gotta get to work and put food on the table, so gas and groceries are next. These categories are the most flexible because I’m still trying to figure out how much I should expect to spend each week. I do know, however, that the cost of gas doubled when I moved from Ohio to California, and $4.19 for a gallon of gas makes me want to cry every time my I pass a gas station. It costs me about $50 to fill up my tank and I’ve been filling up once a week so far. My average grocery costs are also about $50 a week because I meal prep religiously, but my grocery prep is a story for another time. To make things easier, I’m sticking with the $50/week for gas and groceries, and I prefer to pay for these categories in cash because it’s easier to hold myself to a budget if I physically hand over the money each time. There are plenty of fee-free drive-through ATMs in my area, so it’s convenient to take out $200 in cash every pay period for gas and groceries.
伙计们，那留下了高达52美元的款项！我基本上很富有！我知道会发生意想不到的费用，我可能会不时需要更多的汽油资金，因此我目前不预算这笔52美元的预算。如果我和朋友一起喝酒，想完成指甲，赶上电影或类似的东西，这就是我使用的。我不使用该基金的任何东西都将进入我的短期储蓄帐户，例如返回家园或我的公寓的新家具。
在这一点上，我安全地涵盖了我的最低最低，不可谈判的费用，并通过每次薪水付出了不同的节省。很快，我将需要弄清楚医疗费用，例如新的隐形眼镜和不可避免的医生任命将适合我的预算。但是，我将使用紧急节省来支付可能出现的任何费用，直到我更加满足预算为止。我真的很想看看这个预算如何在现实生活中成立……与此同时，我要去找到一个侧h。
泰勒·亚历山大（Taylor Alexander）讨厌“成人”一词，但无论如何都在学习如何做。您可以看到她的更多工作www.tayloralexandermedia.com。
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