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Reply to "How do you make ends meet on 130k?"
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[quote=Anonymous]OP, are you tracking your spending? We used Mint religiously when we were trying to figure out where all the money was going and then to make a budget and monitor compliance. It can be a pain, but it gives you a good picture of where the leaks in your finances are. Often, it's not the extravagant stuff but rather the trips to Target where we'd add a bunch of things we didn't need to the cart. YNAB is another tool, but I'd watch the videos on YouTube before subscribing because it's a different philosophy than a lot of budgeting tools. It might be helpful if you've got debt, though. $130K is not a huge amount for this area, but it's a lot better than many other people are doing, too. It's doable, but you've got to ensure you've got a good handle on your spending. A few of the most obvious cut points tend to be cell phone plan costs, cable/streaming services, and eating out, but, without seeing your budget, that's tough to call.[/quote]
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