I only order stuff when my paycheck comes in. If i didn't my credit list would be quite high by now ^^
I've set up a "vape" budget for myself. But i tend to overdo it anyway
I'd never order stuff on credit, i hate having debts to pay.
When I first set up last month, it was budgeted. However, I spent more, dipping into savings (I had set my budget into categories, some of which accumulate, but this took precedent over the new budget set in January).
So far, everything paid off with cash. I have a pre-funded PayPal cash back card I use for all purchases (thank god), grandfathered in @1.5%. That paid off the landline, or covered my purchase of additional tanks. I have an expense for my investment subscription coming up, so that will cause me to pull from emergency savings.
With all that said, I reset up a new budget in the WEE HOURS this morning!! I like to keep my CC at 7.5% utilization or below (called gardening), and I got above that last month, but still paid it off. My new budget puts almost 20% into savings, but not quite, however, makes up the emergency savings to my investment account and then some. Rest set aside with a small percentage going to vape.
Had a lot on my plate for fixing fico as part of new year (mine had gone up quite a bit), but everything took back seat when staart buying vape stuff Feb. 4th this year.
Hope y'all understood that (which is why important I kept those prices down in WA state, #stillcelebrating).
