{"id":55,"date":"2021-01-20T23:01:11","date_gmt":"2021-01-20T23:01:11","guid":{"rendered":"https:\/\/www.moneylifeandcoffee.com\/?p=55"},"modified":"2021-01-20T23:01:11","modified_gmt":"2021-01-20T23:01:11","slug":"expenses-sheet","status":"publish","type":"post","link":"https:\/\/moneylifeandcoffee.com\/index.php\/2021\/01\/20\/expenses-sheet\/","title":{"rendered":"OH NO! Budget!"},"content":{"rendered":"\n<p>Ok, you heard us talk about it, but here it is:<\/p>\n\n\n\n<p>Card use vs cash, depending on what study you find, could be 12-18% more. Some studies report as much as 80-100% on individual items when faced with pay now (cash) vs pay later (credit card) for something that is only available NOW &#8211; for example tickets.<\/p>\n\n\n\n<p>First write down all the INCOME (money coming IN to your bank &#8211; your paycheck, etc) for a month. Add that up. That&#8217;s your total income for a month.<\/p>\n\n\n\n<p>Then go through you bank statement, and credit card statement and assign them buckets (Groceries, Restaurants, Entertainment, Treats, Power, Rent, Phones, Cable, Car Payment, etc) Add those up, and that&#8217;s your spending. I bet you just learned something about yourself, and where you might need to make a few changes. Let&#8217;s start slow, though!<\/p>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/www.moneylifeandcoffee.com\/wp-content\/uploads\/2021\/01\/Buget-Example-e1611458554454-764x1024.jpg\" alt=\"\" class=\"wp-image-128 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-large-font-size\">Example Income \/ Expense sheet<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ok, you heard us talk about it, but here it is: Card use vs cash, depending on what study you find, could be 12-18% more. Some studies report as much &#8230;<\/p>\n","protected":false},"author":1,"featured_media":128,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-55","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-show-notes"],"_links":{"self":[{"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/posts\/55","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/comments?post=55"}],"version-history":[{"count":0,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/posts\/55\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/media?parent=55"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/categories?post=55"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneylifeandcoffee.com\/index.php\/wp-json\/wp\/v2\/tags?post=55"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}