It is no secret that I work two jobs and still have trouble making ends meet. This fact is the major reason behind my living at home. So last payday when both my checks landed in my account at the same time (not a common occurrence) I decided to create a budget. I laid it all out and included everything including potential spikes in gas prices.
Tomorrow I am going to the hand surgeon, I didn't budget for breaking my finger, and I didn't budget for it to be getting worse instead of better as time continues. I have two specialist appointments this month and am wondering how I'm going to afford them.
I've given up tons to try to get ahead. I found a new hair dresser, which doesn't sound like much but as I am not in a particularly sound place in my life hair cuts cause an extreme anxiety. I changed and it worked out, but the twenty dollars I saved there isn't even enough to cover half of my co-pay before x-rays and follow ups.
I have a green elephant on my dresser, this elephant could help me with my financial woes. It doesn't hold a ton of money because it is a specific savings fund, the elephant is for a new computer and the hope of a deposit for a school or an apartment. I add to it whenever I have the chance but it doesn't grow very quickly. I eye it every few weeks and consider how helpful it could be. But I won't break into it unless it is an emergency.
How do I budget for the unexpected when most days I worry paying my rent and phone bill? How do I save for the future, and I'm not really talking about the distant future, without causing my bills to go unpaid today?
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