I want every detail listed so i can check off want a i want and don’t want and maybe a site to help? I’d be living in an apartment
Somethings to consider and my life is actually as this
Apartment down payment
Cell phone, No home phones, those are extinct.
If there are more please list them as well.
You need savings and investments built into your budget as well as any debt repayment you need to make. Otherwise, you may find yourself in a bind without cash reserves and fall onto credit cards as a savior, which is a trap that the majority of Americans fall into.
You want to save.. at the very least.. 10% of your income and you want to have about 3 months worth of savings in an Emergency Fund. This emergency fund should be held separate from your regular savings and checking, probably better off in a Money Market account.
Shoot me an email at my site and we can talk more.
-Luke Kinton CPFC