Hi there everyone!
I am new to this website and am very interested in getting all the oppinions and ideas I can about how to continue on the path of smart saving and living. I'll start by mentioning that I have been very blessed to have been taught well by my parents in ways of saving and being smart with money, however, now I need some more information to continue being smart with my money.
A little about me....My name is Brittany, I just turned 22 and I'm from NJ. I've had my BA since 2008. I worked and paid while going through college so the small loan I had was paid off in May 2010. I have no credit card or any other kind of debt. I work 3 jobs, spend a lot of time volunteering and still live at home with my parents. I have roughly $9000 put away in an Emergency Fund that will be fully funded in December 2010 at $14000 (which is 1 year of rounded up worst case expenses). After funding that emergency pile though I'm lost at where my money should be going.
More specific detail: My housing situation, as mentioned, is still with my parents. Their home is literally 1 mile from my office and I really dont spend enough time at home to make renting here in NJ a smart option. They dont charge me rent or utilities. I do pay for all my own insurance and car expenses. My monthly income in $2000 steadily with my full time job with an additional $300 to $1700 monthly with my subcontracting and part time position. My average basic expences are $500 per month.
I'm at a loss as to what I should be putting my money into....investing, IRAs, savings, I really have no idea! I'm not even sure what other "categories" I should be putting money aside for; so I'm really looking for some guidance or suggestions or possibly some ways for my hard work to continue paying off.
I'm very excited to be on this site, to learn more and hopefully get to know some of you a lot better. Thanks in advance!
I am new to this website and am very interested in getting all the oppinions and ideas I can about how to continue on the path of smart saving and living. I'll start by mentioning that I have been very blessed to have been taught well by my parents in ways of saving and being smart with money, however, now I need some more information to continue being smart with my money.
A little about me....My name is Brittany, I just turned 22 and I'm from NJ. I've had my BA since 2008. I worked and paid while going through college so the small loan I had was paid off in May 2010. I have no credit card or any other kind of debt. I work 3 jobs, spend a lot of time volunteering and still live at home with my parents. I have roughly $9000 put away in an Emergency Fund that will be fully funded in December 2010 at $14000 (which is 1 year of rounded up worst case expenses). After funding that emergency pile though I'm lost at where my money should be going.
More specific detail: My housing situation, as mentioned, is still with my parents. Their home is literally 1 mile from my office and I really dont spend enough time at home to make renting here in NJ a smart option. They dont charge me rent or utilities. I do pay for all my own insurance and car expenses. My monthly income in $2000 steadily with my full time job with an additional $300 to $1700 monthly with my subcontracting and part time position. My average basic expences are $500 per month.
I'm at a loss as to what I should be putting my money into....investing, IRAs, savings, I really have no idea! I'm not even sure what other "categories" I should be putting money aside for; so I'm really looking for some guidance or suggestions or possibly some ways for my hard work to continue paying off.
I'm very excited to be on this site, to learn more and hopefully get to know some of you a lot better. Thanks in advance!