Shit Vegas Friend Does

Soooo. I basically have the best friends ever. First there’s Mom/Ass Kicker letting me use her house as an Amazon package post office and supplying me with animal crackers and macaroni. Then there’s B who has bought me so much stuff for my “apartment”, down to deodorant and conditioner. And then we have Vegas Friend. Who comes to help me all the time with literally everything. 

He offered me his truck to help move my stuff. 

He supplies me with pepper spray. 

Buys my favorite pop tarts and always ensures there’s coffee creamer at his house for me. Ps- he doesn’t drink coffee. 

I mention a good wine once and he tries to buy 6 of them- he doesn’t drink alcohol either. 

He’s always there for late night “what am I doing with my life” phone calls. 

He listens to work drama. 

He reads all my blogs and always checks to see how the Vegas Friend ones preform. He likes to think Adultish is growing because of him. Lol. Which is notably true according to my stats. 

And then he does some crazy shit like spend his last few hours before having to go to bed to work 12 hours straight to put my bed frame up. 

Oh wait- forgot something. 

 He let’s me crash at his house and vomit when I leave work from a migraine. 

Adultish’s Crash Course in Budgeting- Dave Ramsey Style

This blog is brought to you in part by divorce, learning to survive your twenties and the inevitable mental breakdown.

I “grew up” really fast. I would say my childhood was completed by the time of 8, and then it was all about responsibility. I always had a really good cushion in life though when it came to my living situation. When I moved out I went to live with my aunt and uncle, rent free. Then I moved in with my then-boyfriend-now-ex-husband, rent free. But when I got divorced it was a whole new world of rent, car insurance, and meals for one. WHAT IS LIFE. Who knows, but these are my tips along the way.

Budget, budget, and budget again. I know a lot of concern comes from when we feel the budget we just implemented doesn’t work after a few weeks- that’s because a budget should be ever evolving. The moment there is a $5 discrepancy, or you had an emergency expense come up- it’s time for a new budget.

Along with budgeting is automatic bill pay. Be it scheduling a check to go out a few days prior to when rent is due, or signing up for automatic payment with Sprint for your phone bill.

Don’t utilize all of your available credit. For instance, if you have a credit card and the limit is $500 a month, do not put $500 on it even if you’re paying it off. Your credit score is based on the amount of credit you’re using paired with the amount of remaining credit. If you utilize all of your available credit you are “maxing out”, even if you pay off or not.

Shop around. Amazon is really tempting but the dollar store and Walmart are usually cheaper- and no need to wait for it to ship.

Also with Amazon, use your shopping cart for thinking. If you REALLY want a new car stereo- add it in your cart and let it be. One of three things will happen. One- you will decide against it. Two- it will go on sale and you will buy it. Three- you will buy it after waiting and know your decision was justified. 2/3 involve saving money.

Your health is really important. I am really NOT  the most reliable source for healthy eating as my diet is mainly coffee and leftovers- but small simple changes make a huge impact. Drink all the coffee you want- but flush it out with water. Eat (at least) three meals a day. Make at least one high in protein, one high in veggies/ vitamins/ minerals, and another just make it delicious! Meal prep and save your life. (nobutseriously) know what you like, buy it and make it. You won’t go out to eat as much, and you’ll actually eat!

Challenge yourself to 30 days of no spending. This is easiest at the beginning of a month. Pay your rent, insurance, gas- all the necessities. Buy groceries that you NEED to make the meals you will EAT. And *do not spend another penny* this is when the amazon cart trick is helpful, same with meal planning.

Look up anything and everything by Dave Ramsey. Figure out how to debt snowball- GET OUT OF DEBT. This has got to be the biggest thing ever. Once you pay off your debts you will have so much additional money left over each month- it’s almost like a second job.

Build your savings. Start with saving $1,000 and DO NOT TOUCH IT. This comes in handy when you do have automatic bill pay but not enough money in your checking’s. (Sidenote: make sure you bank doesn’t penalize you if they have to take out of your savings)

 

Finally- realize that all of these things combined help you reach your end goal in life- financial freedom… oh, and being an adult/ having your shit together.

#HandleIt

One of the most profound things I have learned in life is that you just have to to #handleit.

Is the sink over flowing with dishes and are you out of clean underwear? Handle it.

Homework due in 45 minutes, you just burnt your dinner and your hair has reached the limit of dry shampoo intake…. #handleit. impossoble things

There are so many things that I don’t want to do. For instance, I don’t want to call the lawyer about my divorce on my lunch break; but I have to. I don’t want to come home and do homework when I am dead-dog-exhausted; but I have to. I don’t want to look at my bank account, or set up an automatic savings plan, devote an entire day to laundry and meal prep; but I have to.

Being adult-ish means we have to do stuff we don’t like. We have to put our big girl (or boy, no judging) panties on and get shit done!

Because if not we would all be naked on the couch eating cheeto puffs and bon bons…

 

Let that sink in…

cheeto puff