Zannsolo
@Zannsolo@lemmy.world
- Comment on Anon lives on a budget 2 weeks ago:
You should def hit up a food pantry, saving some money on food for a bit will help you rebalance your finances. Not sure if you don’t make much or live in a really high cost of living area but another thing to look into is the Canadian version of food stamps if they have it. There’s no shame in getting help!
- Comment on And my fasciation! 2 weeks ago:
What a bitch to cut up
- Comment on Anon lives on a budget 2 weeks ago:
Ask for a raise. One thing that might help you stretch your money a bit further is utilizing a food pantry or food bank. Not sure if they are as common in Canada.
I was only off by $30 in my scenario compared to your situation. Having multiple accounts and using direct deposit to help divide your budget upfront just makes it easier.
Money isn’t a concern for me at this point in my life, but earlier in my career when my ex-gf had a significant amount of credit card debt doing our budget this way really helped and got her to be debt free.
- Comment on Anon lives on a budget 2 weeks ago:
That’s the point of setting up the bills account. If you deposit directly to it each check the amount you need based on how many checks you get. You won’t have to worry about finding your bills money when they are due and you’ll know how much you have to spend on other stuff because bills are already accounted for. If paid weekly put 25% of your total bills(rent, phone, Internet, gas, electric water ect.). For easy math let’s say total bills are $1600 a month you’d but $400 each pay check into the account ideally using direct deposit so it’s automatic. If paid every 2 weeks $800 a check. For usage based bills (water electric ect put enough for worst case bills in each month) over time you’ll build up extra money but leave it alone until you have at least 3 months extra in the account ( it could save your ass some day).
Let’s say your take home is $580 a week $400 to bill which leaves you with $180 a week for food and gas and fun. Seems pretty shitty and I’d recommend finding a cheaper place to live or get a roommate if possible in this scenario but at least you can clearly see how much you can actually spend while your bills are already accounted for. Is still recommend taking another $30 out leaving $150 for food and gas and put it directly into a savings account. Or split it $20(emergency fund) $10(fun stuff).
Don’t buy fun stuff (games, drugs, alcohol, movies, eating out) unless you can cover it from fun stuff account.
Emergency fund is for car repairs medical bills loss of income not a new TV or vacation.
If you get a raise 90% of the new take home should go to 80/20 split emergency/ fun stuff. If you can get at least 3 months of income (6 months would be better) saved in your emergency fund you can re-allocate some of it to food /gas day to day account and fun stuff account but only do that if you need to save your sanity, because in my experience every time you feel like you’re making progress some big bill will come along and wipe it out.
- Comment on Anon lives on a budget 2 weeks ago:
Open an account for rent and other known monthly expenses put 25% of that total from each check(or 50% if paid 2x a month). For utilities that are variable use an average of the 5 highest bills you gotten for each account. direct deposit some amount into a account for emergency savings. And the rest to your main account. NEVER steal from your bills account. You can add an amount for fun money as well.
- Comment on Cope 1 month ago:
Found the dwarf(the fantasy kind).
- Comment on Anon shares a family moment 4 months ago:
Just bide your time and wait for him to say that went by fast or time flies and hit him back with a hard f-word.
- Comment on [deleted] 4 months ago:
I didn’t want kids til I met my wife when I was 38. I knew she was the one pretty early on and I knew that if I wanted to to keep dating her I’d have to reconsider my position. I had my first kid at 40 and my 2nd is on the way, and being a father is awesome.
I ended a 5 1/2 year relationship because I didn’t want kids with her. The partner you’re with definitely matters.
- Comment on Can anyone help id these shoes? 5 months ago:
Not your shoe but has the wide toe box and I’ve had a couple pairs and love them. They have a lot of other styles as well but this is the kind I have a.co/d/g3lv7Ye
- Comment on You got it, buddy 5 months ago:
He said Latin not lying
- Comment on The "We Tried" Award 6 months ago:
Coming in last was better than coming in second 😔
- Comment on Kanye ass idea 6 months ago:
Didn’t he stick his cousins dick
- Comment on “This script is fantastic. Let’s get Julia Roberts to play Harriet Tubman.” 7 months ago:
Not real people and their skin color has nothing to do with the story. Biopics about black people generally have to do with their struggles as a black person so having a white person play them is wrong and dilutes the value of that person’s story because a white person doesn’t have the same adversities.
- Comment on Today's Survey. One point for everything that you have NEVER DONE 8 months ago:
I had to start paying my rent by check again landlord trying to dodge taxes by cashing checks instead of depositing them.
- Comment on I will not elaborate 9 months ago:
You’re confusing gen-x and millinials
- Comment on Starbucks continues to be terrible 9 months ago:
Should be 30 :1 on median salary and contractors count if they perform core business functions/work on location.
- Comment on This celling ruined my day. 9 months ago:
No but I’ve done construction plumbing, and have had cleaner looking work that gets hidden being walls. I’m sure the plans didn’t call for the angle to be messed up so they didn’t align and have mismatched sections.
- Comment on This celling ruined my day. 10 months ago:
It’s really not, getting it correct wouldn’t have been hard.
- Comment on The one drawback to walking at night 10 months ago:
Not in a random attack while I’m walking.
- Comment on The one drawback to walking at night 10 months ago:
A year
- Comment on The one drawback to walking at night 10 months ago:
I’m a man and I also think it sucks men like to murder, I’m also not even very likely to be the target of an attack unlike a woman and I feel this way.
Imo getting mad at this is incel behavior, it’s as if you think views like this are why you can’t get laid and not your terrible personality, disgusting habits, and shitty views towards women.
- Comment on The one drawback to walking at night 10 months ago:
Per 100k people who live there
- Comment on Select a tip 10 months ago:
That already happened
- Comment on Yin and yang 10 months ago:
Most smokers will give someone a cig if they ask. When someone asks to borrow your lighter there is a good chance they will pocket it after lightning up(more likely out of habit, than a malicious decision to steal it).
- Comment on What is your favorite David Spade movie, The Emperor's New Groove or Tommy Boy? 11 months ago:
Joe dirt for sure
- Comment on Excellent anti smoking ad 1 year ago:
Chicken duck frog pig and monkey look cool, the other ones look like they are smoking their first cig at a HS party to look cool but don’t
- Comment on No need to boil the ocean 1 year ago:
I did, that’s scarier than shitty sensors
- Comment on No need to boil the ocean 1 year ago:
I thought it was roads made for self driving cars
- Comment on BACK IT UP 1 year ago:
Probably lupus
- Comment on Git good, son 1 year ago:
I’m lucky my wife orgasms easily from PIV makes me feel like a champ but really it’s just her body that makes it happen.