Is this you?
Listen. I’ve been there. It sucks not having control over your finances. Because it’s so simple, right? Just don’t go over your budget.
So I today wanted to do a breakdown of how I would approach this Reddit girl’s situation. Lost your job, can’t afford rent, coming down on mudda struggles, and hate feeling broke?
Today I’m giving you the homie hookup and going to teach you how to save money on bills without a budget. LET’S GO!
Here’s the breakdown of the article…
The mudda bullshit
- Changing jobs and delay in getting a paycheck
- Bank fraud charges preventing paycheck deposit
- Late payment on rent and the landlord slapped an additional $725 utility bill (WTF?!)
- Car trouble
- Unexpected vet visit because cat got sick
Step 1: Focus on what you control
If you read this article, she has a lot of mudda troubles.
Going through financial trouble might be a first world problem, but it’s still tough going through that shit.
Negative thoughts are dangerous. It’s easy to get caught up thinking… what else is going to fuck up in my life?
A good analogy is feeding bears. You might start off with feeding one bear. Next thing you know, another one comes along… and another one. Next thing you know, you’re fucked.
Like bears, those negative thoughts will eat you alive.
Instead just focus on one thing that you can control. Start with the one with that’ll have the biggest impact and you’ll continuously make progress.
Okay enough hippie shit. Let’s delve into strategy.
Step 2: Fuck budgeting. Negotiate and replace instead.
Let’s face it. No one really likes budgeting. Why? It’s painful to cut on lattes and we feel like we’re missing out. We still want to live.
So let’s focus on the biggest wins instead.
- Living = Rent ($500) + Utilities ($750) = $1250
- Car = Payment ($212) + Insurance ($172) + Gas ($40) = $424
With car insurance, it is so easy to negotiate down car insurance. Literally you can spent 15 minutes on google and compare quotes. Literally with 15 minutes you can save $50 per month! At least I did.
Don’t forget to ask for discounts too. Extra tip? Once you find a quote, go back to your current insurance company and let them know you’re situation. Give them a chance to beat the lowest quote.
Also an important question to ask yourself as well is… do you even need a car?
Especially if you’re living in the city, cars can be hella inconvenient. Yes there’s public transportation but that shit is inconvenient and isn’t fun. Recently I bought a Segway S1 electric unicycle. It goes 12 mph for up to 15 miles. So if work isn’t that far, then use this. If it rains snows, use Uber instead.
You’ll be saving yourself $324 per month! A lot easier than skipping out on lattes right?