Well, first of all, let me just you guys know, i am 21 yrs old. I am a Certified Financial Counselor, i have no debt, but i compulsively shop online.

I cant help it. I especially love clothes. First, i will go to my online banking and find out how much money I have left over after the last shopping adventure. Write it down and buy a couple of items, until i have a little bit left over. I mean, at the end of the month i have like 79 bucks left over.

Here is my budget:

$2000 a month
$820 rent
$45 phone
$200 gas & electric
$200 food & necessities
$16.50 wkly bus pass (so about 71.00)

end of the month
$664.00

I will spend most of this on clothes. I have been a certified financial counselor for 2 yrs and still do not have anything saved up at all.

I am on a mission to start disciplining myself and putting myself on a plan. You guys will be along the ride!!!!