I value myself as a pretty organized person, especially when it comes to budgets and budgeting and divvying up different responsibilities. So, when Fiance and I decided to look for a place to live, I took charge of the budget.
Everything looked immaculate, and when we found a place even $100 lower than the original budget, we were both really excited at the potential savings.
Well, stupid me. I forgot to account for my credit cards! Minimum payments are $25 and $30, which isn't too awful... But I screwed up and missed a payment for one card and owed $77 so I'm just worried it will be like $102 for a few months just because I made an oops. Plus, the last time I missed, I got sent directly to a collections agency so I'm nervous for that as well.
Just make sure that, when you're looking for a new place, you make a list of EVERYTHING you have to pay for. Go over all your bills and online payment things and also, low ball your income per week, every 2 weeks, or monthly (however you get paid).
::For example, I get paid between $900-$1,100 a month. I estimate the $900 as my definite pay since I never get paid less than that. I then subtract my car payment, car insurance, phone, World of Warcraft and credit cards (which, BTW, while writing I actually forgot. AGAIN.). These are things I pay for every month, no exceptions. Then I look at what I have left to pick a suitable rental property. For my lonesome, that was a $400 rent with water and garbage included. For my fiance and I (plus our combined incomes and "debts"), that was a $750 maximum rent plus utilities.
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