Financial Therapy for the Clueless 1/4: The Basics

So, you've managed to avoid paying bills, taxes, and rent for months. Congratulations! You're a true champion of cluelessness. But, let's get serious for a second. You can't keep avoiding your financial reality forever. It's time to learn the basics:

Budgeting for the Utterly Inept:

1. Track your expenses. No, really, track them. Write them down. Use a spreadsheet. Get a fancy accounting software. Do whatever it takes to keep yourself honest. You're welcome.

2. Make a budget. Not just any budget, a budget that takes into account your income, expenses, and the fact that you'll never be able to afford anything because you're a clueless adult.

3. Cut expenses. No, not cut them all. Cut the ones that are clearly not worth it, like buying lottery tickets or subscription to that one weird magazine.

Next: Budgeting for Weirdos →

>> 1. Income: 5000
>>> 2. Expenses: 0
>>> 3. Savings: 500
<<< 0
<<< 1
<<< 500
<<<

Example budget. Yours may vary. Or not.

And that's it. That's the basics. You can do better. You can do worse. But, let's be real, you'll probably do worse.