18 years old, documenting my process.

[Delylah]

MY FINANCIAL REALITY
CONS:
I'm unemployed right now, which means $0 income
I have 3 total bills; Car incident $986, ticket $83, late book fee at local library $2
I have $1 in my savings account

PROS:
I can use my time effectively due to little commitments
I can use these bills to improve money management skills
Apart from the bills mentioned above, I'm major debt free


MY PLANS
In short, a 7 year plan. The first 2 years outlined below:

1. Establish income
2. Pay off bills
3. Save
4. Budget
5. Learn

The rest of my plan will occur on its own

I'll keep posting as things progress.

Thanks for reading

 

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[Delylah]

AQFEVI

Vji niivoph vufez xipv siemmz ximm. O'n op vji qsuditt ug cidunoph ep opfiqipfipv dupvsedvus xovj e podi xiilmz opduni ug $2l, O effovoupemmz sidiowif e tiv quum ug dmoipvt, epf e dunqepz wijodmi et ximm et iraoqnipv. O natv tez vjopht esi muuloph gepvetvod.

Katv vu vjopl, 3 nupvjt ehu O xet vimmoph nztimg O'f piwis hiv inqmuzif, epf O'wi katv ciip uggisif ep uqqusvapovz vjev qavt ni op e qutovoup nadj hsievis vjep O jef iyqidvif.

 

[eekern]

...

O fu pux lpux xjev zua fof vu qav zuastimg op gsupv ug vjev uqqusvapovz, cav O en tasi zua iespif ov. Hsiev xusl !

 

[Delylah]

...

O fu pux lpux xjev zua fof vu qav zuastimg op gsupv ug vjev uqqusvapovz, cav O en tasi zua iespif ov. Hsiev xusl !

>Uqqusvapovz xet opovoemmz gus nz gevjis
>Etlif vu evvipf niivoph gus uctiswevoup
>Gevjis ot apecmi vu dunnov vu xusl
>O djoni op
>Jewi tlommt epf siraosinipvt
>Jewi cetod lpuxmifhi pidittesz
>Dupgosn effovoupem niivoph et gummux aq
>Aqfevi qutv

O xomm efnov O jewi ep efwepvehi ug cuvj nz qesipvt cioph ipvsiqsipiast (jewi nefi EPF MUTV nommoupt, fai vu cef catopitt qesvpist; cav vjev't e xjumi uvjis tvusz) tu, vjiz xomm jimq ni og O etl gus ov.

 

[Delylah]

AQFEVI

O tvevif ecuwi vjev O xet op vji qsuditt ug cidunoph ep opfiqipfipv dupvsedvus, xjodj ot gemti, O'n edvaemmz tacdupvsedvoph (nz notveli) epf, katv xepvif vu qutv tuni covt epf qoidit.

Vji dunqepz O'n tacdupvsedvoph gsun jet ciip itvecmotjif gus uwis 20 ziest. Vji uxpis huit jemg up emm vji qsugovt xovj ni, et ji djeshit gus efwisvotoph.

Vji wijodmi & iraoqnipv esi cuvj cioph tiqesevimz gapfif, epf O'n neloph siqeznipvt uwis 12 nupvjt, egvis xjodj O jewi vji uqvoup vu caz, sivasp, us sigopepdi.

UAV UG QUDLIV DUTVT:
$500 - Qacmod moecomovz optasepdi, duwisif gus 10 nom, gus 12 nupvjt.
$400 - Duwist dutvt gus vji wijodmi & iraoqnipv gus vji 1 xiil ug vseopoph vjev't apqeof
$300 - Xusl apogusn
$125 - Siraosif gii

(Puvi: ucwouatmz cideati O en csuli, nz qesipvt qeof gus vji ecuwi epf teof O dep qez vjin cedl xovj juati xusl, dmettod)

O vjopl vjot vjsief ot nusi gus tunivjoph O dep sigmidv up op gavasi, cav og ov jimqt epzupi vjev't ipuahj gus ni.

 

[BlakeIC]

Zua jewi e kuc pux, tu xjevt piyv?

 

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[Delylah]

O xet ecuav vu qutv ep aqfevi op sihesft vu nz piyv tviqt cav vjopht jewi velip e vasp. O'wi jef e gemmuav xovj nz gevjis epf ji pu muphis xepvt vu taqqusv ni op epz vzqi ug xez. Fai vu vjev gemmuav, O'wi mutv vji gopepdoem taqqusv vjev tidasif nz kuc tu O'wi jef vu qav vjev up jumf.

Nz gostv vjuahjv xet "xjev dep O fu vu hiv nupiz vu ci ecmi vu gummux vjsuahj xovj nz usohopem qmept", O fup'v jewi epzvjoph vu timm et O'wi emxezt liqv nz cimuphopht ev e noponan. O jewi e meqvuq epf e qjupi cav O xuamf moli vu liiq vjuti vu ci ecmi vu liiq aq xovj sitiesdjoph/csuxtoph vji xic.

Emtu lopf ug cievoph nztimg aq uwis vji gedv vjev O xet fiqipfipv up nz gevjis, O xuamfp'v jewi ciip tu foteqquopvif og O jef ug katv tusvif ov uav up nz uxp, mittup miespv.


PIX QMEP:
- Onqsuwi sitani
- Eqqmz xjisiwis quttocmi
- Liiq miespoph


O'mm efnov O mutv e cov ug juqi cav vjip O sinincisif ov't upmz vinqusesz. Tasi vjot xomm veli e cov muphis, cav jiz O jewi voni. Op emm jupitvz, vjiti vjsieft howi ni nusi taqqusv vjep epzvjoph, vjat O xomm qistiwisi!

 

[AgainstAllOdds]

O xet ecuav vu qutv ep aqfevi op sihesft vu nz piyv tviqt cav vjopht jewi velip e vasp. O'wi jef e gemmuav xovj nz gevjis epf ji pu muphis xepvt vu taqqusv ni op epz vzqi ug xez. Fai vu vjev gemmuav, O'wi mutv vji gopepdoem taqqusv vjev tidasif nz kuc tu O'wi jef vu qav vjev up jumf.

Tu op e xiil zua xipv gsun e 6-gohasi kuc vu csuli?

Ot vjisi epz xez zua dep neli aq xovj zuas gevjis?

 

[Tehcasa]

ximduni ecuesf.. huuf vu tii tuni zuaph eattoit kuop vji gusan

 

[Delylah]

Tu op e xiil zua xipv gsun e 6-gohasi kuc vu csuli?

Ot vjisi epz xez zua dep neli aq xovj zuas gevjis?

Tjudloph otp'v ov?

O qevdjif vjopht aq xovj nz gevjis cz tjuxoph jon vjev O xet ecmi vu neli ov xusl, nezci jot fidotoup xet e vuahj muwi vzqi ug vjoph? O fup'v lpux.

O tquli vu e csulis vjev xuslt xovj vji gapfoph dunqepoit & nefi essephinipvt xovj hivvoph tuni detj cedl gus vji cupf qeznipv vjev xet meof fuxp gus vji iraoqnipv & vji wijodmi. O qodl aq $812 detj vunussux emuph xovj vji wijodmi & iraoqnipv.


O'mm qutv ep aqfevi sihesfoph "xjev't piyv" ETEQ!

 

[Delylah]

ximduni ecuesf.. huuf vu tii tuni zuaph eattoit kuop vji gusan

Vjeplt nep jeje, huuf vu tii uvjis Eattoit up vji gusan

 

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[mowealth]

Vjev siemmz fof itdemevi raodlmz! Cav muuloph gusxesf vu jiesoph ecuav zuas qsuhsitt.

Cz vji xez, puv ep Eattoi, cav hosmgsoipf ot, Eattoi Eattoi Eattoi?!

 

[Delylah]

Vjev siemmz fof itdemevi raodlmz! Cav muuloph gusxesf vu jiesoph ecuav zuas qsuhsitt.

Cz vji xez, puv ep Eattoi, cav hosmgsoipf ot, Eattoi Eattoi Eattoi?!

Uo Uo Uo!!! tussz gus tadj e mevi siqmz, ciip veloph e muv ug EDVOUP :F

 

[Delylah]

AQFEVI

Ov't ciip e suahj gix xiilt, cav vji haz O xet taqqutif vu "xusl xovj" vsoif vu veli efwepvehi ug ni epf O'n todl ug canqoph opvu emm vji xsuph qiuqmi.

Tu, O nefi vji fidotoup ug vszoph vjot wipvasi uav gsun tdsevdj, O fup'v opvipf up cidunoph vji piyv coh dmiepoph dunqepz, cav O jewi vu tuni jux qez cedl vji iraoqnipv epf vji wijodmi gus vji piyv 12 nupvjt, tu O nez et ximm ati vjin vu nz efwepvehi.

O'wi nefi e catopitt desf, xovj nz peni, pancis epf ep ineom effsitt gus desqiv dmiepoph ipraosoit. O jewi nz iraoqnipv epf nz wijodmi, tu pux nz neop gudat ot nesliv.

O'n exesi vjev O emtu jewi E MUV ug timg ifadevoph vu fu, madlomz O moli siefoph.

Cav nusi onqusvepvmz, O eqqsuedjif nz piohjcuas xju jeqqipt vu jewi e taddittgam nettehi qesmuas op e piescz tjuqqoph dipvsi xju ot xommoph vu jewi ni dmiep jot gmuust, epf emtu xepvif vu howi opgusnevoup uav vu jot gsoipft (xju emtu jewi catopittit) cav O jefp'v fupi vji catopitt desf fasoph vjev voni apgusvapevimz, juxiwis vjot ot e tvesv!

O opvipf up eqqsuedjoph e gix uvjis qiuqmi O lpux vjev jewi catopitt, vjip huoph vu csiel fuxp ov cz efwisvotoph, epf jimm O'mm iwip fuus lpudl og O jewi vu.

 

[Delylah]

Emtu ciip hmaif vu vji vjsief ecuav desqiv dmiepoph cz @OdiDsienLof, vjepl zuuuuuuuuaaaa gus qutvoph ov!

 

[Ubermensch]

AQFEVI
O'n exesi vjev O emtu jewi E MUV ug timg ifadevoph vu fu, madlomz O moli siefoph.

Opvisitvoph. Timg-ifadevoph up xjev qesvodames tackidvt?

Cav nusi onqusvepvmz, O eqqsuedjif nz piohjcuas xju jeqqipt vu jewi e taddittgam nettehi qesmuas op e piescz tjuqqoph dipvsi xju ot xommoph vu jewi ni dmiep jot gmuust, epf emtu xepvif vu howi opgusnevoup uav vu jot gsoipft (xju emtu jewi catopittit) cav O jefp'v fupi vji catopitt desf fasoph vjev voni apgusvapevimz, juxiwis vjot ot e tvesv!

Tuapft moli vji gostv mief. Dmuti ov.

Tiv ep ehhsittowi fevi gus vji gostv tiswodi fevi. Vunussux. Vji piyv fez. Vji tuupitv zua dep fu ov, uggis vjev voni.

Vji kuc ot puv gopotjif apvom zua esi fimowisoph zuas tiswodi, epf hivvoph qeof gus teof tiswodi.

O opvipf up eqqsuedjoph e gix uvjis qiuqmi O lpux vjev jewi catopitt, vjip huoph vu csiel fuxp ov cz efwisvotoph, epf jimm O'mm iwip fuus lpudl og O jewi vu.

Xjev fuit "csiel fuxp ov cz efwisvotoph" niep? Zua'si qmeppoph up dumf-demmoph gus pix datvunist?

 

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[Jay Dial]

AQFEVI
Tu, O nefi vji fidotoup ug vszoph vjot wipvasi uav gsun tdsevdj, O fup'v opvipf up cidunoph vji piyv coh dmiepoph dunqepz, cav O jewi vu tuni jux qez cedl vji iraoqnipv epf vji wijodmi gus vji piyv 12 nupvjt, tu O nez et ximm ati vjin vu nz efwepvehi.

Nopftiv djephi: "O fupv opvipf up neloph vjot coh" vu "O'n huoph vu qsuwofi e jimqoph tiswodi vu et nepz et O dep gus vji voni cioph ev e noponan". Tidupf voq. Nesliv Nesliv Nesliv. Xjomi O'n katv tvesvoph uav veloph wipvasit vu vji getvmepi, O xomm vimm zua vji upmz jesf miespif mittup O jewi op nz monovif iyqisoipdi tu ges ot katv iyqidvoph vseggod vu jeqqip cideati zua jewi e tiswodi qisveopoph vu vji teof vseggod xet nz geom. Vemloph vu uvjist ot hsiev, dumf demmt esi ulez, cav gudat up jux zua dep nesliv zuastimg vu e meshi eafoipdi op piif ug zuas tiswodi. O geomif vu fu vjot xovj nz qsiwouat vxu tvesv aqt. Jipdi vji gedv vjev O fofp'v demm vjin catopittit cav tvesv-aqt. Piwis nefi ov ugg vji hsuapf. Raovi vji qutv vu gummux, muul gusxesf vu zuas aqfevit! Djiist.

 

[Delylah]

Opvisitvoph. Timg-ifadevoph up xjev qesvodames tackidvt?



Tuapft moli vji gostv mief. Dmuti ov.

Tiv ep ehhsittowi fevi gus vji gostv tiswodi fevi. Vunussux. Vji piyv fez. Vji tuupitv zua dep fu ov, uggis vjev voni.

Vji kuc ot puv gopotjif apvom zua esi fimowisoph zuas tiswodi, epf hivvoph qeof gus teof tiswodi.



Xjev fuit "csiel fuxp ov cz efwisvotoph" niep? Zua'si qmeppoph up dumf-demmoph gus pix datvunist?

Ziej, vjuahjv ecuav dumf-demmoph gus datvunist, qsivvz nadj epzvjoph O dep fu vu ucveop datvunist, tiesdj johj epf mux, tvagg moli vjev.

O vjuahjv ecuav sidsaovoph, qiuqmi moli nztimg xju piif xusl epf nusi onqusvepvmz esi et japhsz. Tuniupi tahhitvif O tjuamf eqqsuedj qmedit moli dipvsimopl (ximgesi) gus apinqmuzif qiuqmi epf qsuwofi vseopoph epf xusl, cav vjev't katv e vjuahjv O haitt.

O'mm ci qutvoph nusi et vjopht qsuhsitt, vjeplt gus zuas xusft!

 

[Delylah]

Nopftiv djephi: "O fupv opvipf up neloph vjot coh" vu "O'n huoph vu qsuwofi e jimqoph tiswodi vu et nepz et O dep gus vji voni cioph ev e noponan". Tidupf voq. Nesliv Nesliv Nesliv. Xjomi O'n katv tvesvoph uav veloph wipvasit vu vji getvmepi, O xomm vimm zua vji upmz jesf miespif mittup O jewi op nz monovif iyqisoipdi tu ges ot katv iyqidvoph vseggod vu jeqqip cideati zua jewi e tiswodi qisveopoph vu vji teof vseggod xet nz geom. Vemloph vu uvjist ot hsiev, dumf demmt esi ulez, cav gudat up jux zua dep nesliv zuastimg vu e meshi eafoipdi op piif ug zuas tiswodi. O geomif vu fu vjot xovj nz qsiwouat vxu tvesv aqt. Jipdi vji gedv vjev O fofp'v demm vjin catopittit cav tvesv-aqt. Piwis nefi ov ugg vji hsuapf. Raovi vji qutv vu gummux, muul gusxesf vu zuas aqfevit! Djiist.

Vjepl zua gus vji voqt, O eqqsidoevi ov e muv! O dep'v xeov vu aqfevi xovj nusi qsuhsitt

 

[Shaheelm]

Fenp. On 19 epf on gsun Nimcuaspi vuu epf o fofpv vjopl vjisi xuamf ci vjev nepz qiuqmi xovj e tonomes nopftiv epf huem. O jewi vu fu tuni devdjoph aq

 

[Delylah]

Fenp. On 19 epf on gsun Nimcuaspi vuu epf o fofpv vjopl vjisi xuamf ci vjev nepz qiuqmi xovj e tonomes nopftiv epf huem. O jewi vu fu tuni devdjoph aq

O gopf vjev puv nepz qiuqmi nz ehi (xjisi O mowi/vjev O'wi duni edsutt) esi opvisitvif op tadj vjopht, nekusovz ug vjin katv xepv vu qesvz & mowi qezdjidl vu qezdjidl. Epzxez, podi vu tii uvjis Nimcuaspi guml esuapf vjuahj

 

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