WOMAN WORKS 2 JOBS TO SURVIVE, EVERY MONTH LEFT WITH $0 AFTER PAYING BILLS & FOOD

How the heck do y’all save money?

I took on a second job and now work 70+ hours a week. I never see my kid anymore and my arthritis is KILLING me.

I am covering all my bills every month, but cant for the life of me seem to actually save any money. My bank account is always at zero the night before I get paid.

HOW ARE YOU GUYS SAVING MONEY?! I will seriously take any and all tips or tricks.

I’m thinking I need to track my spending better because when I made my budget on paper I should be able to save like $600 a month. How are you guys tracking your spending? An app? Excel spreadsheet?

Give me all your secrets!!

Netizens’ comments

1. If you have that big of a discrepancy, you need to go through your account and see where that extra $600 is going. That’s $7200/year just vanishing.
2. I track every dollar I spend using budgeting software. Doing this makes you realize how little money you have when you account for all your expenses and the expenses you will incur in the near future
3. Excel’s fine. Write down every single line item. Use credit card & bank statements to get it right, and always round up. When estimating, be conservative.
4. One of my biggest “secrets” is that I check my bank account pretty much daily. I look at every transaction as much as I can. I definitely miss some, but often I’ll see a subscription I don’t use and cancel it or things like that.
   Things like eating out or picking up food is a huge factor. $15+ for eating out vs $5 or less to make it at home adds up
5. You have to track your spending to each transaction. This includes when you buy something quick at the convenience store on your way to your second job. It’s really easy to blow through $600 if you don’t track it. I can easily spend $20 at 7-Eleven without paying attention, as an example.