I'm moving back in with my parents soon, not because I can't afford bills, but because I hate living alone and I want to figure out what I want without the burden of bills. My parents and I get along well, they want me to live with them, they are financially very secure and I have no problem staying with them for a while until I figure out what direction I want to go in. I have no problem with it, and they don't either. I'm not really interested in moving in with my current friends because they are all pretty unstable alcoholics with severe personality disorders and I'm trying to heal from that and have quit drinking.
I already know that I want to move out of state later, maybe not permanently, maybe so, I'm not sure at this point. I have about $5500 in student loan debt that I want to pay off, as well as about $3000 in other debts owed that I simply haven't prioritized due to depression (which I am now in therapy for, which has helped ***immensely***).
To put it simply, I'm starting off on a new foot, and I am trying to figure out what I need to prioritize. I want to make the most out of stripping. I am good at it, I make good money and I am a consistently high earner at every club I've set foot into. I haven't been able to genuinely prioritize making money until now because of mental illness, but now I feel that I finally have things under control and have turned over a new leaf. I have begun working more in the past couple of months, something I simply could not do when I was depressed, and I would say I average between $450 on a slow night to $850+ on good nights in a pretty average, even shitty, state. I have only recently begun working consistently, whereas I would only work once a week, or every two weeks (and still be able to pay bills, but not really much else), now I find I can work 3-5 days a week.
My budget with bills is $2500 monthly including taxes (not including savings). Without rent and bills and home needs, my budget drops to $800 per month for car ins, gas, groceries, work needs (basically outfit essentials like holdups and thongs, makeup, gym membership and tanning), car maintinance, entertainment.
My goals are:
- Pay off all debts
- Emergency fund/ moving out fund
- Investments (gold, BTC, stocks, etc)
- Retirement account
- Car
- House
- Body enhancements/ work investments
- Travel
My question is mainly: in what order do I prioritize these things? I know that investing in my look will net me MUCH more money, but so will travelling and getting a new car (so that I can travel and drive which my current car is not quite reliable to do). But I do think it's important to pay off debts first, and to invest in things that will make me money long term. Any advice?
Bookmarks