bedroom set 112 image
Lin
I'm working at a dominos as a delivery driver, and work almost 35 hours a week, plus tips on a lot of those hours. She's working as a sales rep for a company, and though she doesn't make all too much money, she does well enough. She's getting trained as an assistant manager now, making 1-2% of the office's total sales in addition to her own. She currently pays 300 in rent monthly to her parents, so she's used to paying rent by now. My store and her office are both a half hour away though- I spend 10 dollars in gas daily just going to and from work. I can make a solid 60 extra a week by moving closer, and so can she- so we'll have more money to put towards rent. There's a few nice 2 bedroom 1 bath apartments nearby for about 700, depending on how many luxuries we want. We're both nineteen, with not huge credit score histories but fair enough ones.
Think we can make it on our own?
Our families are stable. My dad makes about 100k a year, though we don't have money to really kick around, but still. She pays for most of her own food, and I eat very little around the house. We both own our own cars. Her paychecks total about 1-200 a week, and I can't tell you what 1-2% is because I honestly don't know how much the office makes itself. She makes 20% commission as is. And we want to move to Gilbert, AZ.
I'm also planning on getting another night shift job, maybe at walmart or something, if we can't make ends meet. As I'm not attending college (yet), I have a very free schedule. I plan to move up the ranks at dominos- I can be an assistant manager in 6 months if I work hard- and we plan on letting her finish her online schooling before I go to school myself, so one of us is always working while the other extends their career. I make a bit above minimum wage in store, and 4.50 plus tips an hour while delivering.
I'm also planning on getting another night shift job, maybe at walmart or something, if we can't make ends meet. As I'm not attending college (yet), I have a very free schedule. I plan to move up the ranks at dominos- I can be an assistant manager in 6 months if I work hard- and we plan on letting her finish her online schooling before I go to school myself, so one of us is always working while the other extends their career. I make a bit above minimum wage in store, and 4.50 plus tips an hour while delivering.
Answer
Okay, you've set a dream for yourself. Now you need to make it a goal by putting it into perspective.
15% of your incomes should go towards transportation (gas, car maintenance, insurance, etc.)
15% of your incomes should go towards debt repayment (if you have any debt. If you don't, then awesome, put this money towards savings or another category that needs it)
10% of your incomes should go to savings accounts (RSP account, even better; the sooner you start, even by a couple years, the more money you can make for your retirement).
35% of your incomes should go towards housing (that includes utility bills, rent, mortgage later, etc.)
25% of your incomes goes towards your life expenses (food, entertainment, short-term wants, etc.)
Now you haven't given any real figures; how much does your gf make a month? (If it varies from month to month, choose a month where her income was really low. It also sounds like things are moving around for her financially, so in 6 months when her job is 'settled', what will her income look like on average per month?). For the sake of argument, let's say her worst month was $1500 / month, and her future income will look like $2400 / month.
What about your job? How much do you make? Take your worst month, and again since financially things seem to be moving around for you (especially if you can make it as a manager), project how much you think you could make. For the sake of argument, let's say right now you make $1500 / month, and as a manager you would make $2000 / month.
This means that for RIGHT NOW, together you make $3 000. LATER you project you'll make $4 400.
These are your incomes for the month, the money you have to work with to make it all work. I'll work the numbers for your RIGHT NOW budget, but then see if you can figure out using my calculations the amounts of the projected 4 400.
15% x 3000 = $450 / month to spend on transportation. That means you have $112.50 a week for both of you to spend on transportation, and everything in that category.
15% x 3000 = $450 / month to spend on debt repayment (or put this somewhere else)
10% x 3000 = $300 / month to put into savings - you should never skip the saving step. EVER.
35% x 3000 = $1050 / month to put towards rent, utility, bills, etc. Decent, possibly managable.
25% x 3000 = $750 / month for life.... $187.50 a week for groceries, entertainment, clothing, gifts, wants.
NB: Whenever you move out, you should always have 6 months worth of expenses in your savings account; should one of you lose your job, you won't be able to afford your current lifestyle, and if you dont' have those savings, you could also find yourself homeless.
Your numbers might be a bit different, you didn't give them, so this is an imaginary plan. The principles are the same though, so apply the math, figuring out your budget, and then say to yourself, how much do we need to put away for that 6 month period? Figure out a number, and then figure out how many months it will take you to save that amount.
This is all about making your dream a real goal that you can accomplish.
Okay, you've set a dream for yourself. Now you need to make it a goal by putting it into perspective.
15% of your incomes should go towards transportation (gas, car maintenance, insurance, etc.)
15% of your incomes should go towards debt repayment (if you have any debt. If you don't, then awesome, put this money towards savings or another category that needs it)
10% of your incomes should go to savings accounts (RSP account, even better; the sooner you start, even by a couple years, the more money you can make for your retirement).
35% of your incomes should go towards housing (that includes utility bills, rent, mortgage later, etc.)
25% of your incomes goes towards your life expenses (food, entertainment, short-term wants, etc.)
Now you haven't given any real figures; how much does your gf make a month? (If it varies from month to month, choose a month where her income was really low. It also sounds like things are moving around for her financially, so in 6 months when her job is 'settled', what will her income look like on average per month?). For the sake of argument, let's say her worst month was $1500 / month, and her future income will look like $2400 / month.
What about your job? How much do you make? Take your worst month, and again since financially things seem to be moving around for you (especially if you can make it as a manager), project how much you think you could make. For the sake of argument, let's say right now you make $1500 / month, and as a manager you would make $2000 / month.
This means that for RIGHT NOW, together you make $3 000. LATER you project you'll make $4 400.
These are your incomes for the month, the money you have to work with to make it all work. I'll work the numbers for your RIGHT NOW budget, but then see if you can figure out using my calculations the amounts of the projected 4 400.
15% x 3000 = $450 / month to spend on transportation. That means you have $112.50 a week for both of you to spend on transportation, and everything in that category.
15% x 3000 = $450 / month to spend on debt repayment (or put this somewhere else)
10% x 3000 = $300 / month to put into savings - you should never skip the saving step. EVER.
35% x 3000 = $1050 / month to put towards rent, utility, bills, etc. Decent, possibly managable.
25% x 3000 = $750 / month for life.... $187.50 a week for groceries, entertainment, clothing, gifts, wants.
NB: Whenever you move out, you should always have 6 months worth of expenses in your savings account; should one of you lose your job, you won't be able to afford your current lifestyle, and if you dont' have those savings, you could also find yourself homeless.
Your numbers might be a bit different, you didn't give them, so this is an imaginary plan. The principles are the same though, so apply the math, figuring out your budget, and then say to yourself, how much do we need to put away for that 6 month period? Figure out a number, and then figure out how many months it will take you to save that amount.
This is all about making your dream a real goal that you can accomplish.
What color should i paint my room?
Beach Bum
My furniture is white.. and my room is not small and not to big.. its a good size. im a 23 year old female. Any ideas?? I was thinking either tan, or maybe go cranberry color. If you can supply pics too, that would be cool! Much help appreciated, thanks :)
Answer
It depends on your bedding and the mood you want to create. Tan would look calm and can be used with lots of different colored bedding; cranberry would be warm and cozy but wouldn't be as versatile. If you love both, you could paint three walls tan and one cranberry, but either way find the bedding you love first, then decide.
Maybe something here will help inspire you:
http://www.beyond-bedding.com/colored-down-comforter.html?productid=colored-down-comforter&channelid=FROOG
http://www.home-decorating-co.com/madison-park-boulder-stripe-red-bedding.html?utm_source=froogle-home-dec&utm_medium=bluebarn&utm_campaign=madison-park-boulder-stripe-red-bed-bags-mp10-063&zmam=29512516&zmas=1&zmac=67&zmap=madison-park-boulder-stripe-red-bed-bags-mp10-063
http://www.divabydesign.net/Luxury-Bedding-Set-Bed-in-A-Bag-Comforter-Sets-Bedroom-Ensembles-Red-Taupe-Tan-Grey-Gray-White-Multi-Floral-HC48370-225-p661.html?utm_source=google-shopping&utm_medium=organic
http://www.google.com/imgres?imgurl=http://maiq8.files.wordpress.com/2011/07/bedroom_pink_black.jpg&imgrefurl=http://maiq8.wordpress.com/tag/pink-bedrooms/&usg=__28YXmuKOttKAQCrvIrxSR-153X4=&h=360&w=241&sz=91&hl=en&start=10&zoom=1&tbnid=bZMr0snH4jlsvM:&tbnh=121&tbnw=81&ei=xq6qTrvjB4nb0QHwhc2dDw&prev=/search%3Fq%3Dpink%2Bbedrooms%26um%3D1%26hl%3Den%26safe%3Dactive%26sa%3DN%26rls%3Dcom.microsoft:en-us%26ie%3DUTF-8%26oe%3DUTF-8%26tbm%3Disch&um=1&itbs=1
http://www.google.com/imgres?imgurl=http://www.uniquebedroom.com/wp-content/uploads/2011/04/Awesome-Pink-Bedroom-Decoration-Ideas-for-Girls-1.jpg&imgrefurl=http://www.uniquebedroom.com/girls-bedroom-furniture/awesome-pink-bedroom-decoration-ideas-for-girls/&usg=__Lm9Ckd-04mmmdbDjXIGkrnLaEqk=&h=500&w=431&sz=33&hl=en&start=14&zoom=1&tbnid=dHYLqS8NCkhbmM:&tbnh=130&tbnw=112&ei=xq6qTrvjB4nb0QHwhc2dDw&prev=/search%3Fq%3Dpink%2Bbedrooms%26um%3D1%26hl%3Den%26safe%3Dactive%26sa%3DN%26rls%3Dcom.microsoft:en-us%26ie%3DUTF-8%26oe%3DUTF-8%26tbm%3Disch&um=1&itbs=1
http://www.allmodern.com/City-Scene-1777-XRT1020.html
http://www.allmodern.com/Nirvana-Bedding-Collection-BLL1806.html
I like cranberry with gray too!
It depends on your bedding and the mood you want to create. Tan would look calm and can be used with lots of different colored bedding; cranberry would be warm and cozy but wouldn't be as versatile. If you love both, you could paint three walls tan and one cranberry, but either way find the bedding you love first, then decide.
Maybe something here will help inspire you:
http://www.beyond-bedding.com/colored-down-comforter.html?productid=colored-down-comforter&channelid=FROOG
http://www.home-decorating-co.com/madison-park-boulder-stripe-red-bedding.html?utm_source=froogle-home-dec&utm_medium=bluebarn&utm_campaign=madison-park-boulder-stripe-red-bed-bags-mp10-063&zmam=29512516&zmas=1&zmac=67&zmap=madison-park-boulder-stripe-red-bed-bags-mp10-063
http://www.divabydesign.net/Luxury-Bedding-Set-Bed-in-A-Bag-Comforter-Sets-Bedroom-Ensembles-Red-Taupe-Tan-Grey-Gray-White-Multi-Floral-HC48370-225-p661.html?utm_source=google-shopping&utm_medium=organic
http://www.google.com/imgres?imgurl=http://maiq8.files.wordpress.com/2011/07/bedroom_pink_black.jpg&imgrefurl=http://maiq8.wordpress.com/tag/pink-bedrooms/&usg=__28YXmuKOttKAQCrvIrxSR-153X4=&h=360&w=241&sz=91&hl=en&start=10&zoom=1&tbnid=bZMr0snH4jlsvM:&tbnh=121&tbnw=81&ei=xq6qTrvjB4nb0QHwhc2dDw&prev=/search%3Fq%3Dpink%2Bbedrooms%26um%3D1%26hl%3Den%26safe%3Dactive%26sa%3DN%26rls%3Dcom.microsoft:en-us%26ie%3DUTF-8%26oe%3DUTF-8%26tbm%3Disch&um=1&itbs=1
http://www.google.com/imgres?imgurl=http://www.uniquebedroom.com/wp-content/uploads/2011/04/Awesome-Pink-Bedroom-Decoration-Ideas-for-Girls-1.jpg&imgrefurl=http://www.uniquebedroom.com/girls-bedroom-furniture/awesome-pink-bedroom-decoration-ideas-for-girls/&usg=__Lm9Ckd-04mmmdbDjXIGkrnLaEqk=&h=500&w=431&sz=33&hl=en&start=14&zoom=1&tbnid=dHYLqS8NCkhbmM:&tbnh=130&tbnw=112&ei=xq6qTrvjB4nb0QHwhc2dDw&prev=/search%3Fq%3Dpink%2Bbedrooms%26um%3D1%26hl%3Den%26safe%3Dactive%26sa%3DN%26rls%3Dcom.microsoft:en-us%26ie%3DUTF-8%26oe%3DUTF-8%26tbm%3Disch&um=1&itbs=1
http://www.allmodern.com/City-Scene-1777-XRT1020.html
http://www.allmodern.com/Nirvana-Bedding-Collection-BLL1806.html
I like cranberry with gray too!
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