Rate my Budget
For a little context: I have always been quite bad with money. I finished my bachelors and its time to lock in now. I am m26 and married. I basically have 0 savings atp and 2k credit card debt that I am going to pay off asap. Looking at other examples on this sub I came up with this and also a small setup to actually track my expenses. However, I still struggle with that alot. If anyone has advice on how to track expenses, they are very welcome.
If there are weird numbers or stuff for two ppl, its because me and my wife dont seperate everything (food for example). Also transport is a placeholder, I have GA until february next year and will have to figure out the cheapest way to get to winti twice a week. I will also get a car (buy upfront, family trade) pretty soon, so thats probably where the leftovers will go (versicherung, benzin, reinigung...)
Also if anyone has any inputs as in how fucked I am for not having any savings atp, let me know. I am a bit anxious. I just moved out early, was used to a quite lavish lifestyle and just kept it up, always made it out at pretty much 0.
Here my google sheet setup:
https://docs.google.com/spreadsheets/d/1Pr4Xuc1FIRKdd02d6QP0ONo5A8FQ2nm7a9QIiticB10/edit?usp=sharing
