Help - please help me budget and stop living paycheck to paycheck

$4560 (this is what you bring home after taxes)

Rent - $1050

Energy - $350 (to get caught up)

Internet - $160

Food - $600 (we generally spend more here than we think)

That's $2160.


You have $1900 in credit cards.

That's $4060.


That still leaves you with $500 not including the stimulus check. Which more likely than not will come closer to May.

If you need some wiggle room pay off the $800 and one of the $300 this month and pay off the remaining next month.

Finally, write down everything you spend this month. Keep track and find out what you're doing with the rest of your money. I'm assuming you have:

Transportation costs, car insurance, health insurance, etc. That's why I'm saying write that all out and give yourself some wiggle room until you find out where it's all going.

/r/personalfinance Thread