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Cashbox has a variety of eye-catching graphical tools which make it easy to see just how much you spend and on what.

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Monthly budgeting
This is not very related to the main topic of this blog, but it’s something that stresses me out a lot. I always try to budget but I find myself always staying away from my budget and wasting money in silly things. How do you fight this?
Below is a breakdown of my ideal budget, but I’m always looking for ways to tweak it and save more. Any tips?
Rent + utilities: 407£ (this will go down after June,because we are getting a water meter fitted - yey for savings!)
Transportation: 66£
Phone: 45£
Loan repayment: 110£
Groceries/toiletries/etc: 150£
Savings for summer holidays: 75£ (after my holiday I’ll start putting 100£ on a Help to Buy account)
Rainy day savings: 50£
General savings: 150£
Spotify and Netflix: 9.99£ (I’ll probably cancel this, eventually)
Cinema/eating out: 50£
Miscellaneous (clothes, books, etc.): 50£
This still leaves me with 105£ of disposable income, which I’ll probably just put towards savings. This month I’ll use it for new much needed new clothes, tho!
What do you think would be a smarter option: save that extra income or just put it towards the loan repayments so it can be paid off early?
Oh the places you will go...
21 People On The One Thoughtless Purchase They Made Last Week And Already Regret
Last week, Chelsea wrote a piece about thoughtless purchases she already regretted a week after making them. It got the TFD team talking about the trap of thoughtless purchases and why they play a role in each of our lives (and budgets). Often it’s not until we’re meticulously going through our bank statements that we even realize the amount of times we swipe our cards without even thinking about it. Even when I think I’m strictly adhering to a budget, there are sometimes when I almost unconsciously give myself a free pass, either because it’s been a long day, or I’m in a hurry. Looking back on my last few weeks, here’s a quick laundry list of the thoughtless purchases I made: $8 on tea because in 12 hours of travel, I stopped to grab tea three times (lol), $15 for valet parking because I was too stressed out by traffic to find a spot on the street, and $4 on a Thai iced tea that I didn’t really want but insisted on ordering on principle to accompany my yellow curry.
A little while after Chelsea’s piece went up, comments started flooding in from TFD readers sharing their thoughtless purchases from the week before that they already regret. The dialogue was honestly amazing to see, and the atmosphere of the comments section on Chelsea’s piece, in my opinion, is what makes the TFD community such an important space on the internet. So, I pulled together all those small spending confessions below. Hopefully reading through them will inspire you to cut back on thoughtless purchases this week, but also remind you that we’re all working on tightening our spending together.
1.“$7 for another top that i just do. not. need.” — Victoria G
2. “$4 for the pre-sliced fruit at the grocery store. I felt dirty, but at least the mango slices were delicious.” — Kristen
3. “I’m an idiot too. I forget to log into free WiFi a lot. It. Is. FREE. and I still can’t remember to do it. Ugh!” — Tania Patino MacDonald
4. “$15 for depressingly bland Mexican food delivery on Friday night. :(“ — CeeEm
5. “$8.95 for a Lush Green Bubbleroon that I didn’t want but the sales clerk was so nice and helpful, so I bought it anyway.” — Becker
6. “$30 at Urban Outfitters on those cheap flat Mary Janes and cheap earrings that ended up most likely breaking during sex because cuddling with BAE was more important than having dry feet in the rain- apparently.” — D. Broussard
7. “$9 for a noodle bowl that was more food than I needed and wasn’t even that good! I asked for a half order – but when they said no, I just ordered it anyway. $12 for a book I read about online and got really excited for. Now it’s just sitting on the shelf.” — Dance The Sky
8. “Nearly $50 in fancy organic teas and oils from the Thrive Marketplace because they sent me a 15% off coupon. I’m going to use it all, but did I really /need/ it? Eeeeh. Could I have shopped around and found everything for significantly cheaper? Probably. And it will probably cause me to exceed my grocery budget for the month. But hey, I got a free jar of coconut oil. Doh.” — AN
9. “3 nights (in one week!!) of dining out because I was lazy and didn’t grocery shop or meal plan over the weekend.” — Kallieanne
10. “An $18 airport burger because I didn’t pack snacks. then a $30 checked-bag fee because i packed everything else.” — Meep
11. “$22 for pad thai delivery because I was too lazy to cook and nothing in my fridge caught my attention. the noodles were cold and congealed by the time it was dropped off. :(“ — Blanca
12. “$20 for a lonely sit-down sushi dinner where I was very obviously rushed out of the place by the staff. A dollar slice would’ve been fine.” — Charlotte Dow
13. “$50 at Old Navy (yeah I know) for 6 pairs of flip flops for my bridesmaids, as well as sweatpants, a tank top, and a pair of flats. I didn’t need any of it, and my bridesmaids are old enough to know to bring more comfortable shoes to change into at my reception. Ugh.” — egust01
14. “$10 for a burger from a restaurant that is super mediocre, but also super close to my apartment. Ugh, why?”— Erin
15. “$20 for an online diet management service that I logged in to for approx. 10 mins before freaking out about how complicated it seemed and deciding to cancel the subscription. Plus 45 mins wasted with a customer service rep trying to cancel when it could’ve been resolved if the website just allowed you to click a button.” — Taylor Cook
16. “$7 on sushi for lunch because I had to go into work earlier than I planned to meet with a student and am incapable of packing my own lunch at 29. Also sushi.” — Claire M
17. “$10 salad for lunch because I was too lazy/busy this weekend to do groceries..” — Hell No
18. “Sushi dinner twice in one week. WHY” — TLK
19. “Almost $70 in going out to pricey wine bars twice in one week. ugh. I need to stop using the warm spring weather as an excuse to go out and spend money.” — Lazuliz
20. “$30 for brunch yesterday because I don’t pay attention to prices when I’m hungover” — jdub
21. “$172 – picked up the entire tab because I was day drinking and got real real drunk-generous” — Ashley
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Start These 5 Smart Money Habits in 2016
Yes, yes. I know I’m showing up to the typical deluge of New Year’s articles 15 minutes late holding Starbucks. (In my defense, I spent most of the past three weeks moving across the country!)
But the truth is, it’s never too late to turn over a new leaf – especially when it comes to your personal finances. So here are five simple choices you can make that will help you make 2016 the year you finally get your finances in order.
Weiterlesen

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June 2016 Budget
At the request of an anon, I’m going to start posting about my monthly budget and financial goals again. I’m kind of in a weird position right now because I’m not making much money, but my housing and most of my food is paid for due to the nature of my job. So. That means I should be able to save a decent amount over the next 5 months!
I’m going to increase my monthly IRA contribution and throw more towards my student loans than I usually would, but most of my monthly income will go straight into my “high-yield” (as if we can even call it that post-2008) savings account. My monthly expenses will skyrocket in November, so I might as well save as much as I can now to make that transition as painless as possible. Hopefully I’ll be transitioning into a decent-paying full-time job anyway, but that hasn’t worked out so well in the past, so I’m not banking on it being that simple.
Here’s my June budget:
Car payment: $200
IRA contribution: $250
Student loan payment: $250
Phone: $45
Gas: $100
Food: $100
Entertainment: $20
Shopping: $300 (I desperately need some summer clothes that actually fit)
Total: $1,265
If I come in under budget anywhere, it’ll be with gas, food, entertainment, and shopping. I gave myself $300 for shopping, but lawd I don’t think I’ll be able to bring myself to spend even half of that. But that means more $$$ in the savings account!
Making a budget is a good way to avoid frivolous spending.
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What would you do with a windfall?
Here are smart ways to manage sudden money.
Manage your finances with the new wealth management app Cashbox.

Anya is live and ready to show you everything. Watch her strip, dance, and perform exclusive shows just for you. Interact in real-time and make your fantasies come true.
Free to watch • No registration required • HD streaming