So I got a bunch of stuff I gotta pay for in these next two months. trip payments, car payments, gifts etc... just wrote everything out and feel more calm about it but it felt like s*** was piling up. how do y'all usually deal with this?

Go gay4pay

I get my bag up

Not pay anything and deal with the consequences

I pay it? Tf?

I pay up

I ignore them

Is it too much that you can't pay the balance off in full at the end of the month?

Figure out what cards you owe balance on, check your interest rates to see which one has the highest. Pay that card off as fast as possible while making min payments on the others. Rinse repeat til your balances are at a comfortable spot for you

i expected student loan talk but trip and gift payments?

no no, I can afford it. it just feels like a lot

I pay them usually

prioritize.

get yours bills out the way and allocate the rest.

say you got $1000 per paycheck

%50/ $500 - For bills/groceries

%20/ $200 - Investestment

%20/ $200- Guilt free spending on yourself

%10/ $100- emergency savings

you can Adjust to your lifestyle and budget

Then you did exactly what you needed to imo

if you need budgeting tips r/frugal sidebar or whatever it’s called is pretty helpful

Budget and cut out unnecessary expenses if it’s too overwhelming a lot of what you described are wants and not needs

You just pay them ???

Open up a second bank account just for bills it makes things a lot more easy

I pay them

I pay all bills as early as I can and throw as much money as I can comfortably into savings. pull if anything is needed for anything including the stuff youre talking about

for this it might be good to open up an excel doc and budget everything with dates including when you are getting money and where to allocate it

credit cards are good but obv you need to be paying it off asap. but its good to borrow some money if you need it then pay it off next paycheck or whatever if my first paragraph isnt an option atm

yea I just wanted to know what other people did

not much you can do with whats on your plate rn, just gotta deal with it. the point though is to always keep track of your spending, that brings awareness and you get mental reminder with every purchase you make in the future

Never a fun situation but a lot of us are in the same boat with student loans resuming, sky high rent, yada yada yada

Build a cash flow sheet for each month with your incoming cash. Subtract all of your expected payments throughout the month. If you’re salaried, you can even do this for the entire year. Whatever you have left gives you a rough idea of how much cash you have throughout the month. I like to then divide it by 31 to give me a daily “try not to spend over this” figure. Chances are that number will be higher than you realize.

From there, figure out how much you’re comfortable setting aside for emergency savings and investments. Blow the rest on whatever you want

Lay it all out on a spreadsheet

I pay up and try and do better in the future

You have to stay on top of paying everything on time