cash_is_key

cash_is_key OP t1_j5l9xmv wrote

Thank you. And yes, my savings are primarily in a HYSA and stocks are split between an employee stock purchase plan in E-Trade and a regular brokerage account in Schwab. We are currently saving towards a down payment on a house

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cash_is_key OP t1_j5ko719 wrote

Without changing your spending habits try to keep track of every penny spent for a couple months. Then take a look at the results and see where you can reduce your spending, stretch every dollar spent, etc.

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cash_is_key OP t1_j5kfhqb wrote

Source: I tracked every penny earned and every penny spent during 2022. My spreadsheet of choice is Google Sheets.

Tool: I made this diagram with SankeyMATIC

Background: I live in Orange County, CA and I split the rent with my partner. The two of us live in a 1-bedroom condo. I work full time technical support in a retail environment. Outside of work I buy and resell items found in my local thrift stores.

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