budget it...

i finally sat down and tried to really breakdown a budget. i had an idea of how much i needed to be making but was putting off figuring out that exact number. 


i have to confess here that i am bad with money. bad; not terrible. i have always let money burn a hole in my pocket (thus one of my goals is to deposit cash from babysitting into the bank immediately.) that being said the day i got a credit card was definitely a bad day, luckily that was not until i was 22. Now at 26 i have maxed out my single credit card at $2500. i have tried to make excuses for this debt saying that its because of medical bills, and that is part of it but not the whole and the fact that this balance has sat on my card for more than a year is just shameful! next to rent and bills paying off my credit card on time every month until it is paid off is an absolute priority.


so the breakdown is as follows:


rent
bills (gas, electric, cable)
credit card
student loan
health insurance ($319/month! thank you freelancers union!)
food, daily expenses, etc.
savings (goal of $200/month to start)


i am sure you notice there is one major thing missing....clothes! yes no clothes until i am well into the green. because A. i have plenty of clothes already, B. if i really need something i can make it! i am a fashion designer after all!


once i had my grand total i had to multiply it by .33 for taxes and add that number to the total. so there i had the number...the amount of money i have to earn every month to make this viable...


...actually it wasn't that bad. big; but not scary. then i broke it down by my hourly rate. i need to work 90 hours a month to meet my budget...22.5 hours a week! that is almost laughable. in my fashion days i work 45-60 hour weeks. but this was different each of these hours i will need to bring in... it's all about the hustle!