Here's how I break it down:
This includes large expenses that I know I have coming up in the next six months. Like...
*Mr. Right's Birthday
*Middle Sister's Birthday
*Youngest Sister's Birthday
*Winter Clothes (I am in desperate need of some warm stuff and some stylish boots to trudge around campus in.)
Self explanatory. For those times that are unexpected and serious. This is a must considering I don't have health insurance.
This is a really important one. It includes:
*Vegas trip (Bachelorette party coming up in March!)
*Wedding (I know Mr. Right and I will be getting married within five years. This being my second marriage, I will be paying for it myself)
*Car (I'm pretty sure my car is on it's last leg)
*Grad School (I'm hoping to get scholarships and other funding but you should plan for everything-especially if I decide to leave the state)
For the stuff I just want and hope to have. Currently on my wishlist:
*Bicycle so I can save on gas money
*A new motorcycle because I really miss mine
*Lunch dates, nights out with friends
*Concert tickets, plays, and other events
So that's how I break it down. Currently I only have money saved towards my Immediate Fund. I'm hoping that when I start Job #3 that I will be able to start contributing towards my other savings funds.
This should be fairly easy in theory considering I have very minimal monthly expenses. However, I know me. I love to spend. Savings has always been a challenge of mine so we shall see how I do on this goal.
Right now I have an extra $1500 in my checking account that I plan to pay off one of my credit cards and half of the other one. The rest of the money I plan to use for Mr. Right's birthday and the other upcoming birthdays.
How do you make yourself save?