I want to save more this year but I have to trick myself. First, trying to manage on x amount and sending anything over to one savings account. Then saving 10% of x in another account.
A few years ago this is what I did ( not like you asked or anything):
I had $20 extra taken out of my paycheck for taxes (I got it back during tax refund)
I put 3 accounts on my paper for my paycheck (HR was looking like)
80% goes to joint account which hubby uses to pay bills and put into our joint savings
10% goes to MY personal savings ( my mama always taught me to have a way out)
10% to MY checking account
I also did Self Lender where you pay $20 a month and it helps your credit and you get the money back after 6 months
I’ve watched too many Lifetime movies to not have my own savings, things can go south at anytime
Why dont you live here dammit!!!! We could be the bestest of friends!!! I have Navy Federal too because of my brothers! I love them!Very smart! Both husband and wife should have their owns savings and homes as far as I'm concerned and it shouldn't be a secret.
I'm getting unemployment, so the 10% is a semi-manual process. I track my income/expenses via spreadsheet, so the making the calculation is easy. Navy Federal is my "operating" account and I have two accounts linked to it where I'm easily able to transfer the money.
With the new bill that passed, if I understood correctly, I could be paid a lesser amount, but the system for my state says something else, so I forecast potential payments based on both amounts and I'm comfortable on the lower amount, so anything above that is going to savings as well. I'll know by Thursday.
When I start earning regular income, I have a bi-weekly target that I would be comfortable on and hopefully whatever employer allows the flexibility to add/remove my own direct deposit accounts without going through HR. I used make changes ALL the time "Hey Susan, please find the form attached for the following updates..." I would write step by step instructions. Don't fukk this up, Susan. I'm going to be on that ass.
I love this woman man, ever since I was young. She has been my epitome of what a gorgeous female is.
Me and Swizz beefin
This is going straight to the trashWhen the aunt that can't cook wants to feed you