https://padlet.com/gary_johnston/pqa4pnc63wiv Made with the help of a typing monkey en-us 2019-02-12 05:40:57 UTC 2025-12-11 18:48:15 UTC hello@padlet.com brogan_pratt1_1 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330673190 My own personal way of budgeting is using this app, YNAB. My Fiancee' and I both share the same family budget, and it allows us to track our spending in categories of our choosing. 

It takes an interesting approach to budgeting. Let's say you have $1000. You have to give each dollar a "Job", so:
$150 - Groceries
$100 - gas
$200 - Phone
$550 - Travel Savings

There is no "slush fund" because you have a category for it. It encourages you to budget for future expenses down the line, and allows you to be flexible, by transferring money from category to category if one ends up spending too much. 

It is $90 a year, but it has saved be several thousand dollars, so completely worth the purchase for myself 

-Brogan]]> 2019-02-13 05:31:07 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330673190 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677514 Budget how much you need every week and put it in an envelope.  Not allowed to spend more.  Our family budget is 500,000 a week, so we can invest 4k a month.

I tried budget apps, but am not responsible enough to keep up.]]> 2019-02-13 06:12:32 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677514 brogan_pratt1_1 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677546 Out of all your groceries, the most expensive parts are:
1. Pre-processed foods
2. Meat

As for pre-processed foods, that is your deal on what you like to eat/want to eat.

For meat, try out G-market! I was skeptical at first as well, however, the meat shows up frozen at your door, in 3inch thick Styrofoam containers, and includes and ice pack. I've had 10kg of chicken breast stay frozen in front of my door for over 10 hours with 0 signs of defrosting.

Personally, I get chicken here, as well as frozen pork,
http://item2.gmarket.co.kr/English/detailview/item.aspx?goodscode=289909258

brocolli, cauliflower, asparagus, etc.
http://item2.gmarket.co.kr/English/detailview/item.aspx?goodscode=172716963

To those squeemish about frozen food, know that the vast majority of restaurants that you go to, use frozen foods as their meat sources anyways, so don't feel like you're getting "lesser quality" meat! ]]> 2019-02-13 06:12:46 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677546 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677771 Invest $3,000 per month first and then adjust spending aftewards. ]]> 2019-02-13 06:14:25 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677771 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677837 I always pay all bills, retirement, savings, & loans as the very first transactions out of my account, and leftover is for food/ living expenses]]> 2019-02-13 06:14:58 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677837 modell4 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677868 Buying bulk at Costco
Purchasing fruit "in season"
Shopping at multiple grocery stores
Cleaning lady comes every other week
Google spreadsheet for monthly spending
iHerb discounts
no car]]> 2019-02-13 06:15:12 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677868 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677917 Eat more vegan recipes. Start by having a vegan 'day' and then see if you can go 2-3 days per week. ]]> 2019-02-13 06:15:29 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677917 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677977 Get 4 beers for 10,000 KRW at the CU and netflix and chill with your squeeze. ]]> 2019-02-13 06:16:01 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330677977 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678003 For 2019 created a travel budget of 25k, which seems ridiculously large but we like to travel.]]> 2019-02-13 06:16:12 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678003 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678150 Build boards based on your interests (eating, living frugally)]]> 2019-02-13 06:17:24 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678150 modell4 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678257 Book airfare on Tuesdays?
Use Skyscanner
Get the Chase Reserve card for travel points
Try sticking to one airline
Use Air BNB over hotels to save
Southeast Asia is inexpensive, but feels luxurious ]]> 2019-02-13 06:18:26 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678257 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678293 You see where things start adding up and might even hold yourself more accountable if you're having to look at the list of expenses on somewhat of a daily basis. Document it all :-)]]> 2019-02-13 06:18:44 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678293 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678335 I use google flights with no destination when looking for vacay spots.  This creates a nice map with prices to everywhere in the world, so you can find lower cost areas to travel to. 

Use hopper app for flights I know I'm going to have to take well ahead of time. 

Use VPN or incognito mode to sometimes get better deals on flights.

Always book directly with airline to ease changes or cancellations. ]]> 2019-02-13 06:19:14 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678335 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678524 ex. credit card fees, tax filing fees, new furniture
Rather than throwing off your set monthly budget to pay one of these, it can help to preplan for them and put a little money aside each month to cover them.]]> 2019-02-13 06:20:59 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678524 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678538 Avoid paying for meals here at School. ]]> 2019-02-13 06:21:03 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678538 brogan_pratt1_1 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678697 I wrote a meal prep approach a while back on reddit, detailing how my family goes about meal-prepping.]]> 2019-02-13 06:22:34 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678697 https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678939 We don't get paid KRW in the summer, so put a little money aside each month in advance to cover your summer expenses.

]]> 2019-02-13 06:24:34 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330678939 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330682673 Before blowing a lot of money. ]]> 2019-02-13 06:49:16 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330682673 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330682784 40% Less]]> 2019-02-13 06:50:05 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330682784 gary_johnston https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330683714 Put in destination to save money!]]> 2019-02-13 06:55:43 UTC https://padlet.com/gary_johnston/pqa4pnc63wiv/wish/330683714