How I Budget

I’m not really a finance person at all, but when I first moved into my parents house I realized I had to save and fast to be able to move out on my own.

I’m not a budgeting expert, but I do use a budget sheet to help me mind my finances. I track my bank account starting point, what I get in each paycheck, and what I pay for bills each month. Those things I have to pay regularly so I track it to know what amount I know I have to have each month.

Then I track my extra expenses for a few months just to get a good idea of what I’m spending on gas, shopping, trips, gifts, and going out to eat. This way I can see where I need to take a step back. I estimate what I’ll spend at the beginning of each month so I can actually budget for it, but then I track what I actually spent to keep it in mind for next month.

Lastly, I end each sheet with the ending balance and decide how much I can put into savings. I make short and long-term life goals that have to do with saving, working out, etc.

I print this sheet out every month and write on it because to me writing on it helps me remember. I keep it in my planner for those of you who are also crazy about scheduling. I posted my budget sheet on my Instagram so I thought I’d make it available here for download – it’s only a jpg so it can’t be typed on, but you print it out and write on it or use it as a jumping off point to make your own sheet on word! Let me know in the comments if you budget.

Download the budget sheet here!

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Friendships in Your 20’s

One thing no one prepared me for was how different friendships become after you leave college. In college, you live with your best friends. You eat with them, go everywhere with them, you rely on them like family. Then *poof* graduation comes and you all have to separate.

It’s hard to get on the same schedule after that. It’s hard to see each other, make commitments to each other, and stay in touch. It’s hard to keep that family type of feeling alive because you’re relying on other people now.

It kind of feels like things start to fall apart because you were so used to knowing everything about someone and now you only get to see them once a month. Friend dynamics change. You make new ones, old ones fall off the map, and some friendships start to take priority over others.

Effort is required on both ends to keep a friendship going and it’s frustrating when you don’t live near each other and more effort is being put in on one side and none on the other. I think friendships in your 20’s means sometimes we just have friends who are there for a good time, not the hard times. And we can’t put all our care into those friendships anymore.

It’s fine to keep those people around for the good times, but we can’t get upset when they don’t reciprocate the care we show. Then there truly are friends who are in it for the long haul. Friends who you only see once every 3 months, only text once a month, who you can still turn to at the end of a long day even though it feels like you’ve been strangers for a while.

Friendships in your 20’s is all about putting yourself and those who care first and leaving the rest as a secondary thought. We’re growing up, we can’t put all our time and energy into people who don’t do the same for us. It’s sad, but it’s time to move on.

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Photo by: https://www.flickr.com/photos/emilio_k/

When A Bad Day Gets Worse

Yes, I know, when it rains, it pours. But recently for me it feels more like when it rains, it monsoons.

There’s so much advice thrown around on days like this. A lot of “it will get better!” and “think positively!“. But my advice to you on a day like this is to just accept how much it sucks. Because it does suck and you’re allowed to just have a terrible day and wallow in how terrible it is.

Should that attitude last forever? No. And it will get better and if you continue to think negatively then it will negatively impact your life. But for today, everything sucks and everyone can shut up.

When a bad day gets worse, it’s best to just accept how truly bad it is and just laugh at how much has gone wrong. I’m not usually laughing in a oh-this-day-was-so-funny kind of way but more of a my-life-is-a-complete-joke kind of way and that’s just fine. Deal with it how you have to deal with it. If that’s with a bowl of queso or two or a glass of wine or five then DO IT.

You’re allowed to have bad days and just let them be bad. We’re human and this week totally sucks.

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Photo by: https://www.flickr.com/photos/artetetra/

The Valentine’s Day Archive

I’ve basically never minded Valentine’s Day. I think the only year it really bothered me was a couple months after me and my long term ex broke up and I went to a party, cried, ordered a ton of pizza and cried some more. IT HAPPENS.

I’ve also never been super excited about the day. I like taking the chance to show a lil love to the people in my life, but I think that should be done regardless of a holiday.

ANYWAY! Here’s some posts I’ve written in the past about Valentine’s Day to get you in the mood. 😉 Enjoy!

  1. Love Yourself This Valentine’s Day
  2. DON’T Hate on Valentine’s Day
  3. Break the Valentine’s Day Mold
  4. Valentine’s Day Craze
  5. 10 Ways to Celebrate the Little Things (for Valentine’s Day and all year!)

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My Updated Winter Bucket List

As anticipated, winter is moving by slowly. We still have well over a month left before Spring comes and I can be hopeful for summer. I was sick of the cold the day it started. I’ve gotten some things done on my winter bucket list and I think I can actually finish it if I can hit my social media goals!

  1. Go to Terceira Island!
    Read about it here
  2. Finish 2 books
  3. Learn to knit/crochet a blanket
  4. Go somewhere by myself
  5. Find a new apartment
  6. Move out
  7. Become a better runner
  8. 6,500 Instagram followers
  9. 2,500 WordPress followers
  10. 1,000 Twitter followers
  11. Plan a weekend trip
    We’re going to Orlando in March!
  12. Become more present

What’s one thing you’ve accomplished this winter?

Stop Being Mad At Yourself

I haven’t been able to get myself to the gym more than once a week lately and I always feel guilty about it. But there are times when you want to go to the gym and you’re too lazy and then there are times you just don’t want to go. And I just don’t feel up to going.

And some days I eat a lot more than I should or eat things that really aren’t good for me. And I feel bad about myself even though I was just listening to what my body wants.

I just want to stop being mad at myself about these things.

Being mad at yourself isn’t going to change anything, it’s just going to motivate you less. It will just lower your self-esteem until you can’t even get out of bed or until you’re loading your plate with junk food.

Didn’t meditate today? It’s okay. Didn’t go to the gym today, yesterday, or the day before that? It’s okay. Ate a whole pizza today? It’s okay. Slept in and had an unproductive day? It’s okay.

We can’t be mad at ourselves for listening to what our bodies want. If you can’t get yourself to the gym or you keep napping after work  – it’s probably because you need it. But if you’re ignoring your body and going to the gym anyway or ignoring your body’s pleas to get active – that’s not okay.

But just stop being mad at yourself for these tiny things that just aren’t going to make a big impact on your life. There’s no reason to be so hard on yourself.

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Photo by: https://www.flickr.com/photos/sthtodo/

Check Out My Social Media

February is my busy month at work – yikes. So catch up with me on social media while you’re waiting for me to get some inspiration and energy to write! If you follow my bucket lists, you’ll know I usually have social media goals set for myself. I’m 100 followers away from my goal on Instagram and 256 followers away from my Twitter goal.

Please drop your social media links in the comments so we can all check you out! 🙂

Instagram: @rosieculture
Facebook: facebook.com/rosieculture
Twitter: @rosieculture