For those who plan their finances

[The Penguin]

I'm interested to hear from those who do plan their finances?

For me, I always look ahead in the future for a pay period I get an extra paycheck. For being on unemployment insurence, I plan ahead how long I have to look for a full time job in my trade and if I don't meet that deadline, I look for a job in any trade so I don't go broke before my unemployment runs out. I always know in my head how much debt I owe and how to manage my money. When I do my shopping, I can estimate what my total purchases with taxes without using a calculator. Without me having this skill, it would be very hard for me to survive.

 

[grommet]

I control my finances very tightly. I do all I can to be prepared, unfortunately, I have a small income so there is only so much I can do but I have always paid bills on time and made things work. I am vulnerable to a large unexpected expense but I do not see how I can do anything about that.

 

[The Penguin]

I control my finances very tightly. I do all I can to be prepared, unfortunately, I have a small income so there is only so much I can do but I have always paid bills on time and made things work. I am vulnerable to a large unexpected expense but I do not see how I can do anything about that.

It can be hard. I been in that state many times. Been at risk to be bankrupt many times. I keep having faith I can prevent it and doing a good job. Many countries needs to improve minimum wage so more people can have a better standard of living. This will also reduced crime saving us tax dollars.

 

[grommet]

I am not working so wage settings do not affect me. I would very much like to work and I am talking with a counselor about vocational rehabilitation. I think there must be some job I could do. I have heard that with aspies it's about matching the person with a job they can do -the right job. I don't know what I can do but I am hopeful, perhaps without reason but I want to earn my own money and I need more of it.

 

[The Penguin]

I am not working so wage settings do not affect me. I would very much like to work and I am talking with a counselor about vocational rehabilitation. I think there must be some job I could do. I have heard that with aspies it's about matching the person with a job they can do -the right job. I don't know what I can do but I am hopeful, perhaps without reason but I want to earn my own money and I need more of it.

I have faith there something you can do. You used the right key words "it's about matching the person with a job they can do -the right job". This same thing applies for me wanting to get a job in my trade as a software developer. Lots of companies loves my resume but when I get an interview, I don't get the job as I don't preform well. It is me finding someone can see the talent I have instead of focusing on I don't do well on interviews.

For the last 5 weeks I been doing jobs with a temp agency. I worked at 5 difference places. More than one place on some weeks during the same weeks. I keep losing my job as I can't keep out with the line. Note though, these are jobs not related to my trade. I'm very lucky I'm accepted in the business program allow me to be in my own trade and I can work in my own pace.

For yourself, I really hope you find something suited for you. It trying to find the right connections that leads you somewhere. But it very hard as it was very hard for me to get where I'm at today.

 

[AsheSkyler]

Every time I think I'm doing well managing our finances, I remember a student loan I owe from a college attempt that didn't work out because I couldn't afford to drive nine hours a week for classes anymore. I'm making ends meet, but I won't be able to even think about debts until we get a more stable (and bountiful) source of income.

 

[Judge]

When grocery shopping each month I always make a concise list. I always keep note of what amount of foods I need and seldom purchase anything new that isn't on the list. So my bill is pretty consistent from month to month.

 

[The Penguin]

When grocery shopping each month I always make a concise list. I always keep note of what amount of foods I need and seldom purchase anything new that isn't on the list. So my bill is pretty consistent from month to month.

My grocery method is a little different. Most stuff I buy I only buy when it on sale. When I'm out of that item, it normally on sale again so I always get the deals.

 

[Judge]

My grocery method is a little different. Most stuff I buy I only buy when it on sale. When I'm out of that item, it normally on sale again so I always get the deals.

I do all my grocery shopping at Walmart. Everything is on sale relative to ALL other grocers in my area. I'd probably starve if I had to shop at Safeway each month. I get sticker shock just taking a look at their stuff.

My mother (depression era childhood) taught me to be a top-notch consumer...

 

[The Penguin]

I do all my grocery shopping at Walmart. Everything is on sale relative to ALL other grocers in my area. I'd probably starve if I had to shop at Safeway each month. I get sticker shock just taking a look at their stuff.

I would go to Walmart if I had a car. The good news though, there is a discount supermarket down the street so it works out well for me.

 

[Judge]

I would go to Walmart if I had a car. The good news though, there is a discount supermarket down the street so it works out well for me.

That's always good.

In my case though it's Safeway that is just down the street. I have to drive to Walmart. But the money in gas is trumped by the total savings in food each month. Still, whenever I contemplate buying things I factor in the cost of gas in getting there.

 

[The Penguin]

That's always good.

In my case though it's Safeway that is just down the street. I have to drive to Walmart. But the money in gas is trumped by the total savings in food each month. Still, whenever I contemplate buying things I factor in the cost of gas in getting there.

It is time for us to use horses again

 

[Randomperson]

I keep a budget because otherwise you end up penniless and on the streets! And around here most of the streets are not even paved....

 

[King_Oni]

I do my own finances (heck, I do my own taxes as well); I'm not the best with it, but I manage. Though perhaps the situation here is different compared to across the pond.

My income is more steady than most people who are actually employed, even though it's significantly less, but alas, that's what one gets with collecting welfare.

I manage my finances through some software, yet I in general know how much money I have left and that seems to work fine for necessities. There's some money left for "fun" and I might even save up a bit if the situation allows for it.

I'm also one of those who regularly buys groceries on sale. The store is about 10 minutes from my place, so it's not much of a hassle to run there just before closing time and find they have all these 35% to 50% off items that are close to expiration date.

Luckily here it's not that odd with added taxes. Taxes are already on the pricetags here (at least; I once hear in the US taxes are often added at the register, rather than printed on the pricetags; I might be wrong). Though added taxes in general here are either 6% (food) of 21% (non-food), which makes some things a bit silly even if they're basic neccesities.

I will say that I have come a long way from horrible moneymanagement. I was horrible with money in the past and would often end up in debt way before any new income was in and had to skip a meal here or there because I had to manage the bit of money I had for the next 7 days (and at such moments I rather eat out of neccesity than habit). I remember ending up with €5 for the entire week at times, and that was when I already was heavily in the negative on my account.

I wonder if it's that I became more responsible or if it's just that my life seems more "complete" and that I've found more things that are cheaper (or even free) to do and enjoy. I think the latter though.

Yet I'm obviously not there yet, but thus far I'm managing fine and keeping an eye out on my balance regularly without trying to worry over it too much.

But the money in gas is trumped by the total savings in food each month. Still, whenever I contemplate buying things I factor in the cost of gas in getting there.

This is a concept neither of my parents grasp for some reason. They drive everywhere and often drive great lengths for a discount, yet the gasoline expenses for some reason never occur to them. But I suppose; a similar situation is the one where I pay, say €3 for my trainfare (and the station is down the street), and my parents visit the mall and have to spend money on gas and a heavy parking fee...

I know that if I had a car, I would micromanage gasoline to absurd lengths, which is why it might be good that I don't own a car. I'd probably end up with tables and charts to map out the optimal and cheapest routes... as well as going full on rage if there's a detour because of road maintenance... nope, that's the type of things I should not get myself into, lol

 

[The Penguin]

I do my own finances (heck, I do my own taxes as well); I'm not the best with it, but I manage. Though perhaps the situation here is different compared to across the pond.

My income is more steady than most people who are actually employed, even though it's significantly less, but alas, that's what one gets with collecting welfare.

I manage my finances through some software, yet I in general know how much money I have left and that seems to work fine for necessities. There's some money left for "fun" and I might even save up a bit if the situation allows for it.

I'm also one of those who regularly buys groceries on sale. The store is about 10 minutes from my place, so it's not much of a hassle to run there just before closing time and find they have all these 35% to 50% off items that are close to expiration date.

Luckily here it's not that odd with added taxes. Taxes are already on the pricetags here (at least; I once hear in the US taxes are often added at the register, rather than printed on the pricetags; I might be wrong). Though added taxes in general here are either 6% (food) of 21% (non-food), which makes some things a bit silly even if they're basic neccesities.

I will say that I have come a long way from horrible moneymanagement. I was horrible with money in the past and would often end up in debt way before any new income was in and had to skip a meal here or there because I had to manage the bit of money I had for the next 7 days (and at such moments I rather eat out of neccesity than habit). I remember ending up with €5 for the entire week at times, and that was when I already was heavily in the negative on my account.

I wonder if it's that I became more responsible or if it's just that my life seems more "complete" and that I've found more things that are cheaper (or even free) to do and enjoy. I think the latter though.

Yet I'm obviously not there yet, but thus far I'm managing fine and keeping an eye out on my balance regularly without trying to worry over it too much.



This is a concept neither of my parents grasp for some reason. They drive everywhere and often drive great lengths for a discount, yet the gasoline expenses for some reason never occur to them. But I suppose; a similar situation is the one where I pay, say €3 for my trainfare (and the station is down the street), and my parents visit the mall and have to spend money on gas and a heavy parking fee...

I know that if I had a car, I would micromanage gasoline to absurd lengths, which is why it might be good that I don't own a car. I'd probably end up with tables and charts to map out the optimal and cheapest routes... as well as going full on rage if there's a detour because of road maintenance... nope, that's the type of things I should not get myself into, lol

Canada does not charge tax for most groceries items and same applies to USA for most states. I am also a person will get mark down items at the grocery store.

 

[Judge]

I'd probably end up with tables and charts to map out the optimal and cheapest routes... as well as going full on rage if there's a detour because of road maintenance... nope, that's the type of things I should not get myself into, lol

I do that on occasion as well. It gets more difficult though when you consider closer stop and go driving versus using the freeway, which is distant in comparison.

It all depends on where I need to go for what. Of course anything really difficult to find I just get out of my car and onto the computer.

 

[Kari Suttle]

I plan EVERYTHING. Having things planned makes me less anxious about everything. I know what i generally make in a month so i have a budget for school, for groceries, for student loans, etc. So i make sure i keep my grocery budget, i put two weeks worth of grocery money on a shopping/gift card for my grocery store and use that to buy my groceries. I have 20$ in my wallet at all times just in case it doesn't work, or if mom asks me to buy her something, but i try not to use it. I save whatever i can, and spend only what i need to spend. I make excel spreadsheets on 'grocery list day' aka wednesday because that's when the sales ads come out. I plan what i want for the weekend grocery trip and match it with sales and on a rare occassion coupons and that's how i stay on budget as well. When i decide how much i need to save for big things - like a car or moving out when i finish my degree - i do excel spreadsheets as well. I'll look up prices for different options, calculate an average, and eventually come up with an amount to shoot for when saving. As well as how much per month i'd need to save to be able to afford it by a set month.

 

[Flinty]

I am very mentally organized; no need to balance everything every single month.

For those who are jealous: most people are not good with money, regardless of whether they're ASD, NT, or something else. I speak from working in the financial industry for over a decade.

 

[The Penguin]

I am very mentally organized; no need to balance everything every single month.

For those who are jealous: most people are not good with money, regardless of whether they're ASD, NT, or something else. I speak from working in the financial industry for over a decade.

I tend to be the same way. I can work out in my head how to balance everything without using paper. But sometimes I use paper or spreadsheet when I need to plan something may be more complex. I think one thing is lacking is parents teaching their children how to manage money well. But then again if the parent does not manage money well it is hard for them to teach their child.

 

[SyAn]

I make excel spreadsheets on grocery list . . .

another excel spreadsheet maker

I have an excel spreadsheet for just about everything, this includes finances of course but also menu lists connected to my pantry list which is connected to my shopping list . . . If anyone ever needs one for anything, just give me a holler