Broke In The Big City

Caviar taste on a fish stick budget, ya'll. 

[lowbudgetlife]

Here’s what I’ve learned from Postmates so far:

1) The base pay is absolute shit and tipping isn’t required (and often isn’t done at all) but when you do get tips, they’re usually pretty hearty. Ex. I picked up several drinks and sandwiches from Chik-fil-A, and took them to their office. $5 payout from Posties, but $8 tip from Homeslice; $13 total for about 45 minutes (because of the long lunch line) So sometimes its worth it. 

2) It’s somehow simultaneously very little work and very hard work. At least as a walker (which is what I do), They can send you on some pretty long foot journeys, which can tire you out faster.  But going into Chipotle, and picking up someones burrito bowl and bringing it to them is SO SIMPLE. 

3) Overall, I wouldn’t take this instead of a real work call (I’m a freelancer so my schedule is always flux) but I made more money than I would have sitting at home. It seems like a good side hustle if you have a good pair of sneakers and a couple hours to kill.

J-Train Over and Out

[lowbudgetlife]

Started working with Postmates today

Did one pickup/delivery because that's all I had time for. But including Tip I made about $10 in 35 minutes which isn't bad. I like that you completely make you're own schedule. Working a 4-hour shift tomorrow. I'll let you know how I fair. J-Train over and out

[lowbudgetlife]

Side Hustle Money

October 2016

$10.50 in rolled change--deposited in savings

$27.04 Check from Inbox Dollars--in the mail

Total for year: $37.54

[lowbudgetlife]

19 Money Saving Tips for the Newly Frugal

Frugal Living : 19 Money Saving Tips for the Newly Frugal

[lowbudgetlife]

10 Foods that Regrow in Water Alone without Dirt

Save money by regrowing these 10 foods that regrow in water without dirt. Perfect if you don't have room for a garden & trying to save a few bucks!

[lowbudgetlife]

How to Pay Off Debt Fast with a Low Income

Don't miss this in-depth article that shows exactly How to Pay Off Debt Fast with a Low Income from a frugal mom who has done it. You can be debt free too!

[lowbudgetlife]

Step 1

If you’re like me, your spending is reckless and out-of-control--happy hour anyone? I think the first step in this charade is finding, setting, and keeping to a budget; so obviously I headed to the Ap Store. I tried a couple different aps before I finally landed on GoodBudget. 

Pros:

It’s free. It doesn’t connect to your actual bank account (because lets be real, I don’t want to just give my routing number to everyone) so you have to manually input your expenses--I really like that because it means I’m thinking twice about it, and that I’m definitely aware of how much I’m spending. GoodBudget also lets you create different ‘envelopes’ for your budget so you see how much you’re spending on what. I also really like that, since I freelance and my monthly income changes frequently, it lets me set the budget differently for each month, and change it around as needed.

Cons:

It’s a little difficult to get used to, and it’s hard to do simple things like ‘add $10 to the grocery budget’. I accidentally deleted all of my data once, and had to start over from scratch. It’s not the most user-friendly of aps. 

The most important thing for me is to visually see and keep track of what I’m spending, and so far this has helped me achieve that. 

Do you have a budgeting ap that works for you?

[lowbudgetlife]

So you’re 25 and broke as fuck

You’re in New York City and you’re following your dreams or whatever, when you realize you barely make any money and you’re dangerously close to being behind on your rent, student loan, and credit card payments. Time to start tightening the proverbial belt and budget the hell out of your life. Follow me for tips, advice, research, rants, and experiments, all in an effort to save those pennies. 

protip: if you only eat ramen for a year, you’d spend about $200.

Also, don’t do that.