Saya 24, Tinggal dengan Teman Sekamar, dan Saya Menghasilkan $62K/tahun

Selamat datang di YNAB Money Snapshots—tempat Anda melihat gambaran nyata anggaran dan keuangan orang lain. Semuanya anonim, karena berbagi uang masih menjadi topik yang tidak jelas bagi banyak orang, tetapi menurut kami dengan menyiarkannya secara terbuka membuat Anda lebih baik dengan cerita uang Anda sendiri.

Saat Anda membaca anggaran ini, ingatlah bahwa beberapa orang menghasilkan banyak uang dan beberapa orang menghasilkan sedikit uang, tetapi kami tahu itulah yang Anda lakukan dengan uang itu dan bagaimana Anda merasa tentang uang itu berarti lebih dari gaji tahunan.

Lihat bagaimana seorang analis di Portland, Oregon menghasilkan $62K setahun menghabiskan uangnya di bulan April.

Tentang

• Nama: Kay
• Usia: 24
• Lokasi: Portland, Oregon
• Pekerjaan: Analis
• Situasi kehidupan: Saya tinggal dengan teman sekamar.

Penghasilan:$62.000/tahun

Penghematan:$5.000

Utang:$14,000

• Semua pinjaman mahasiswa

Arus Masuk April:

• Gaji:$3.685
• Pemeriksaan rangsangan:$1.200
• Pengembalian dana:$184
  • Pembagian utilitas sekamar, penggantian belanjaan atau makan malam, penggantian biaya parkir dari kantor, dll.

Pengeluaran Bulan April

Anggaran

Kategori	Jumlah Target	Catatan
Pembayaran Kartu Kredit
USAA CC	$3
Alaska CC	$90
Tagihan
Investasi	$0	Saya baru saja membuka akun pialang
Telepon	$40
Sewa	$851
Asuransi	$146
Pinjaman Mahasiswa	$517	Pembayaran ini berhenti secara otomatis (CARES act), jadi saya harus masuk dan membayarnya secara manual.
Internet	$32
Listrik	$55
Kebugaran	$130	Senam crossfit
Air (dua bulanan)	$0
Sampah (dua bulanan)	$26
Biaya Berlangganan	$14	penyimpanan iCloud, YNAB, Spotify, biaya tahunan CC
Pengeluaran
Bahan makanan	$303
Transportasi	$15
Kedokteran	$0
Perawatan Pribadi	$39
Perawatan Rumah	$20
Pengeluaran
Makan Di Luar	$133
Kopi	$43
Hadiah	$28
Pakaian	$0
Uang Menyenangkan	$61
Hal-hal yang Saya Lupa Anggarannya	$0
Penghematan Jangka Pendek
Perjalanan Ulang Tahun 2020	$0
Hadiah Liburan 2020	$0
Olimpiade Jepang 2021	$0
Menyimpan
Dana Darurat	$0	Simpan $2K
Dana Perjalanan Umum	$0	Simpan $1K
Kategori Tersembunyi
Penghematan Umum	$0	Simpan $2,7K
Total Dibutuhkan$2.546

My Savings Categories

Right now my top savings goals are:

1. Holiday gifts
2. Birthday trip in July
3. Vacation to Japan next summer

I’m saving for holiday gifts, a birthday trip for myself in July (was hoping to go to Banff but…), and a vacation to Japan for next Summer!

My Month

I spent a little more on groceries and gifts in April (tipping extra at restaurants, sending friends care packages, a friend’s birthday gift), but I also brought in extra income from the stimulus package.

I started working from home with my job, so my bus pass isn’t seeing any use. Since my income hasn’t been affected by COVID, I’ve been trying to still order take-out and tip extra, I definitely buy more groceries because I’m home all day and snacking a lot. My roommate and I had an idea to make care packages for our friends, so I bought some face masks, local coffee beans, and baked brownies to hand deliver.

Day to day, I’m driving a lot less, so spending less on gas. Other non-financial considerations have been seeing some friends lose their jobs and hearing about general insecurity has made me rethink my savings a bit. I ended up opening a brokerage account (stocks were on sale!) and broke down my short-term savings goals into more tangible categories so putting money into them feels easier now.

My Story

Up until a couple months ago (before YNAB), I was struggling to understand where all my money went after I received my paycheck. I thought I had been saving responsibly, but towards the end of the pay cycle I was always reverting to my credit card. It was embarrassing because I always projected myself as financially responsible and my friends looked to me for budgeting advice. Finally, my student loans from college and credit card debt were stressing me out enough to own up to my shortcomings and reach out for help. A friend suggested YNAB and the rest is history! I feel more in control and strong, rolling with the punches and seeing my priorities in front of me has made it actually fun to pay bills and pay down my student debt.

My Financial Goals

• Build up emergency savings (5 months of expenses)
• Save for trips in the future

I would rate my current financial situation:4/5

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