Tuesday, April 30, 2013

The First step into increasing cash flow... obvious choice!!

I have decided to quit smoking. Based off of my end of the month cash flow surplus of $16 this seems like the most obvious of choices initially.

I calculate that I spend $75 a month on buying cigarettes  Dropping this bad habit will increase my end of month cash surplus by over 4 times!!

Total end of month cash flow = $91

How do single people survive today's expectations dictated by society?

I have an analytic personality and I am always calculating everything whether I realize it or not. I pay my bills every month ahead of time and don't have any loans or credit cards. I own my vehicle. I know money is tight and every purchase has to be precisely calculated. Tonight, I put everything into a spreadsheet just to see how tight things really are. After calculations I found that I have $16 left at the end of every month to do whatever I want with. My question is how do single people make it if they have a car payment or credit card bills? It is beyond me. It seems to me that today's expectations are to have a duel income household. If I had someone living with me their entire paycheck basically would be free. So it looks like to me that we are being forced into having 2 jobs, spouses, roommates, partners, or whatever just to have any kind of lifestyle that requires money...such as hobbies, recreation, trips, socializing, or anything to have fun. The problem with 2 jobs is that you don't have any time to spend with kids if you have them. I am going to use my analytic mind over the next few months to see if I can beat these expectations and increase cash flow. I personally think that an individual, to be fulfilled, needs $200-$400 a month to do whatever they want with. If you have any ideas post them below. I would be glad to take them into consideration.