Budget Rescue: Why Am I Never Left With Any Money

Everyone's Talkin' Money

Shari Rash

Business, Self-improvement, Education

4.6 • 631 Ratings

🗓️ 12 June 2022

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode, I'm featuring a Budget Rescue with Robert who asks: "Hi Shannah, thanks for taking the time to answer my question. BTW I love the new name of the show. This is one of the only places I feel like we can listen to all different types of conversations and you always surprise me with the topics. It’s so cool. I’m writing to see if you would give me some insights into my monthly budget. Here’s my snapshot - I make around $5K per month and have a fairly stable job, at least I think so. Here’s my spending: Rent - $1950 Car payment - $350 Student Loans - $300 once the pause stops in August Credit cards - I owe $6300 on two cards and pay $250 on one and $275 on the other. I know I need to get rid of this debt Groceries - approximately $100 a week/ $400 a month Eating out - $500 (sigh, I like to eat out a lot) Household items - $150 Dog care - approx $125 a month Clothes shopping - $150 a month on average Utilities - $250 a month Car insurance - $165 a month ATT cell phone - $127 a month I know that I should have around $350 - $500 a month left over but the problem is that I don’t each month and I can’t figure out why. You’re super good at helping people with their budgets so I was wondering if you could give me some pointers and thoughts on what I might be missing or not including here. I’d like to be able to save some money for my ER fund every month and put some into a travel savings account. Thanks again for this show…it’s helped me so much." Links Mentioned Budget Rescue Info Form (Be featured in an upcoming episode) 4 Important Factors to Save Money on Your Car Insurance episode Episode Sponsors Thanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney. Thanks to My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player. Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features. Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens. FOLLOW & SHARE Leave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance! Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode! Have a Shannah Shares question? Submit your question here https://bit.ly/shannahshares Follow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/everyonestalkinmoney/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Rated T for Teen.
0:01.7	Each year, thousands of adults lose their shred.
0:05.1	It's an epidemic simply known as shred loss, but it doesn't have to be this way.
0:09.2	Because rekindling your shred is as easy as playing the new Tony Hawk's Pro Skater 3 and 4.
0:13.7	With new parks, cross-platform multiplayer, and sick new game modes,
0:18.9	we can put an end to shred loss everywhere.
0:21.6	Hit the new Tony Hawk's Pro Skater 3 and 4 and show the world that the shred's not dead.
0:25.6	Pre-order Tony Hawk's Pro Skater 3 and 4 and play the Foundry demo. On this episode, we have a budget rescue with Robert who asks,
0:45.7	why am I never left with any money each week?
0:48.9	Stay tuned for all the details.
1:02.4	Welcome to everyone's talking money podcast. I'm your host, Shawna Game. There's no judgment, no dumb questions, just smart conversations about you and your money. So come on in
1:08.7	and grab a seat. Everyone is welcome here.
1:17.4	We've all spent more time with family lately. It can feel like old times, but your mind is on
1:22.8	the future too, and what you can do to shape it. At Sandy Spring Bank, we work with clients to help them grow and protect their money
1:29.5	with wealth management, trust services, and insurance,
1:32.9	so they can enjoy today and ultimately pass along their wealth.
1:36.6	We believe real banking is a conversation.
1:39.2	Let's talk about your dreams.
1:41.1	Visit sandyspringbank.com slash wealth.
1:43.9	Wealth and insurance products are not FDIC
1:45.5	insured, not guaranteed, and may lose value. Welcome back to the show. It is so, so good to have you here.
1:53.0	Today's episode is something a little bit new. It's a budget rescue, and it's featuring a question
	...

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