| 1 |
DENIED
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ROLE_USER
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Show voter details
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DENIED
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moderate
|
App\Entity\Entry {#2388
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
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------------------------\n
\n
---\n
\n
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\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
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| 3 |
DENIED
|
edit
|
App\Entity\Entry {#2388
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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|
Show voter details
|
| 4 |
DENIED
|
moderate
|
App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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} |
|
Show voter details
|
| 5 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 6 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4025
+user: App\Entity\User {#3973 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 7 |
DENIED
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edit
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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---\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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|
Show voter details
|
| 8 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4025
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 9 |
DENIED
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ROLE_USER
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null |
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Show voter details
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| 10 |
DENIED
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moderate
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App\Entity\EntryComment {#4060
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
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---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average.\n
\n
Then each month I compare to actual results, and use that information to get a better estimate for the next year.\n
\n
The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that.\n
\n
ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.
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Show voter details
|
| 11 |
DENIED
|
edit
|
App\Entity\EntryComment {#4060
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average.\n
\n
Then each month I compare to actual results, and use that information to get a better estimate for the next year.\n
\n
The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that.\n
\n
ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.
"""
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} |
|
Show voter details
|
| 12 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4060
+user: App\Entity\User {#4044 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average.\n
\n
Then each month I compare to actual results, and use that information to get a better estimate for the next year.\n
\n
The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that.\n
\n
ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.
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DENIED
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A Fediverse community for open-ended, thought provoking questions\n
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---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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---\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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| 15 |
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App\Entity\EntryComment {#4144
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
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| 16 |
DENIED
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
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---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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---\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 17 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 18 |
DENIED
|
moderate
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App\Entity\EntryComment {#4217
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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\n
---\n
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\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
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---\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 19 |
DENIED
|
edit
|
App\Entity\EntryComment {#4217
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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A Fediverse community for open-ended, thought provoking questions\n
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\n
---\n
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Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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| 21 |
DENIED
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ROLE_USER
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Show voter details
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
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---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
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---\n
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Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
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| 23 |
DENIED
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edit
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App\Entity\EntryComment {#5128
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Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 24 |
DENIED
|
moderate
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App\Entity\EntryComment {#5128
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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---\n
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---\n
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\n
---\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
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---\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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} |
|
Show voter details
|
| 25 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 26 |
DENIED
|
moderate
|
App\Entity\EntryComment {#5166
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+user: Proxies\__CG__\App\Entity\User {#1943 …}
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
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\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 27 |
DENIED
|
edit
|
App\Entity\EntryComment {#5166
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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|
Show voter details
|
| 28 |
DENIED
|
moderate
|
App\Entity\EntryComment {#5166
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 29 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 30 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4290
+user: App\Entity\User {#4303 …}
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+user: Proxies\__CG__\App\Entity\User {#1943 …}
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+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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+body: """
I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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+body: "just a spreadsheet, every paycheck gets a row. I write in how much to savings, spending, etc. then how much I spent of last paycheck. make sure everything lines up with what bank acct is at. works pretty okay for me"
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|
Show voter details
|
| 31 |
DENIED
|
edit
|
App\Entity\EntryComment {#4290
+user: App\Entity\User {#4303 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
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------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
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---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 33 |
DENIED
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ROLE_USER
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null |
|
Show voter details
|
| 34 |
DENIED
|
moderate
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App\Entity\EntryComment {#4364
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
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\n
---\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
\n
I don’t have a car, and instead bike everywhere or use public transport which saves me a lot of money. This is again a privilege, because I managed to land an affordable place to live that’s close to work.\n
\n
My only way of keeping track of all this is the division between my payment and savings accounts. If my payment account goes above a certain value, I move money to my savings account. As long as this keeps happening regularly, like it has for years, I have nothing to worry about. Obviously I do check the details of my spending every now and then, but nothing organised.
"""
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|
Show voter details
|
| 35 |
DENIED
|
edit
|
App\Entity\EntryComment {#4364
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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}
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+magazine: App\Entity\Magazine {#266}
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None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
\n
I don’t have a car, and instead bike everywhere or use public transport which saves me a lot of money. This is again a privilege, because I managed to land an affordable place to live that’s close to work.\n
\n
My only way of keeping track of all this is the division between my payment and savings accounts. If my payment account goes above a certain value, I move money to my savings account. As long as this keeps happening regularly, like it has for years, I have nothing to worry about. Obviously I do check the details of my spending every now and then, but nothing organised.
"""
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} |
|
Show voter details
|
| 36 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4364
+user: App\Entity\User {#4377 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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}
}
+magazine: App\Entity\Magazine {#266}
+image: null
+parent: null
+root: null
+body: """
None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
\n
I don’t have a car, and instead bike everywhere or use public transport which saves me a lot of money. This is again a privilege, because I managed to land an affordable place to live that’s close to work.\n
\n
My only way of keeping track of all this is the division between my payment and savings accounts. If my payment account goes above a certain value, I move money to my savings account. As long as this keeps happening regularly, like it has for years, I have nothing to worry about. Obviously I do check the details of my spending every now and then, but nothing organised.
"""
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date: 2024-01-03 15:15:18.0 +01:00
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} |
|
Show voter details
|
| 37 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 38 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4438
+user: App\Entity\User {#4451 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 39 |
DENIED
|
edit
|
App\Entity\EntryComment {#4438
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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|
Show voter details
|
| 40 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4438
+user: App\Entity\User {#4451 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
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+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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| 41 |
DENIED
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ROLE_USER
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null |
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Show voter details
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| 42 |
DENIED
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moderate
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App\Entity\EntryComment {#4512
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A Fediverse community for open-ended, thought provoking questions\n
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---\n
\n
**Rules: (interactive)**\n
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\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
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\n
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Show voter details
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| 43 |
DENIED
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edit
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App\Entity\EntryComment {#4512
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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---\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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There’s an app called MoneyStats which does balance forecasting. Forecasting is necessary for me because I need feedback about how my decisions or plans affect the big picture and to be able to see whatever timeframe that I choose\n
\n
Its the only thing that keeps one foot out of the financial aby$$. I just program in all my recurring and correct any imbalances every few days and review whenever I start losing the plot or just to make sure my model is representative of my reality and how I need to comport to ensure things stay tight
"""
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} |
|
Show voter details
|
| 44 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4512
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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There’s an app called MoneyStats which does balance forecasting. Forecasting is necessary for me because I need feedback about how my decisions or plans affect the big picture and to be able to see whatever timeframe that I choose\n
\n
Its the only thing that keeps one foot out of the financial aby$$. I just program in all my recurring and correct any imbalances every few days and review whenever I start losing the plot or just to make sure my model is representative of my reality and how I need to comport to ensure things stay tight
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| 45 |
DENIED
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ROLE_USER
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Show voter details
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DENIED
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
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\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
\n
Currently, I’ve knocked down the CC by a third, plan to get it under control by march of work keeps up, then going back into savings and continuing with the basic plan.
"""
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Show voter details
|
| 47 |
DENIED
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edit
|
App\Entity\EntryComment {#4585
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+name: "asklemmy@lemmy.world"
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+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
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| 49 |
DENIED
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ROLE_USER
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Show voter details
|
| 50 |
DENIED
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moderate
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
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---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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---\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
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----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
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[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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Show voter details
|
| 51 |
DENIED
|
edit
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App\Entity\EntryComment {#4659
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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} |
|
Show voter details
|
| 52 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4659
+user: App\Entity\User {#4672 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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+url: null
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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+magazine: App\Entity\Magazine {#266}
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+parent: null
+root: null
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
+lang: "en"
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} |
|
Show voter details
|
| 53 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 54 |
DENIED
|
moderate
|
App\Entity\EntryComment {#5114
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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Show voter details
|
| 55 |
DENIED
|
edit
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App\Entity\EntryComment {#5114
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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} |
|
Show voter details
|
| 56 |
DENIED
|
moderate
|
App\Entity\EntryComment {#5114
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+entry: App\Entity\Entry {#2388
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+name: "asklemmy@lemmy.world"
+title: "asklemmy"
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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Show voter details
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| 57 |
DENIED
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ROLE_USER
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null |
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Show voter details
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DENIED
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moderate
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
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They have “Pots” that you can manually move money to, or have money moved to them every time you get paid, or move money to them on a set schedule.\n
\n
You can link your other bank accounts and credit cards, and have money moved to a “credit card pot” automatically to cover your credit card bills.\n
\n
[monzo.com/us/money/see-it-all/](https://monzo.com/us/money/see-it-all/)
"""
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} |
|
Show voter details
|
| 59 |
DENIED
|
edit
|
App\Entity\EntryComment {#5142
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+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
"""
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+body: "I previously had Simple, and One before that, but banks don’t seem to like the buckets/pots/envelopes paradigm. You said Monzo is working towards it, what does that look like currently?"
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They have “Pots” that you can manually move money to, or have money moved to them every time you get paid, or move money to them on a set schedule.\n
\n
You can link your other bank accounts and credit cards, and have money moved to a “credit card pot” automatically to cover your credit card bills.\n
\n
[monzo.com/us/money/see-it-all/](https://monzo.com/us/money/see-it-all/)
"""
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date: 2024-01-03 17:30:30.0 +01:00
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} |
|
Show voter details
|
| 60 |
DENIED
|
moderate
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App\Entity\EntryComment {#5142
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
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4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
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Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
\n
I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
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+body: "I previously had Simple, and One before that, but banks don’t seem to like the buckets/pots/envelopes paradigm. You said Monzo is working towards it, what does that look like currently?"
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They have “Pots” that you can manually move money to, or have money moved to them every time you get paid, or move money to them on a set schedule.\n
\n
You can link your other bank accounts and credit cards, and have money moved to a “credit card pot” automatically to cover your credit card bills.\n
\n
[monzo.com/us/money/see-it-all/](https://monzo.com/us/money/see-it-all/)
"""
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date: 2024-01-03 17:30:30.0 +01:00
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} |
|
Show voter details
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| 61 |
DENIED
|
ROLE_USER
|
null |
|
Show voter details
|
| 62 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4734
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 63 |
DENIED
|
edit
|
App\Entity\EntryComment {#4734
+user: App\Entity\User {#4747 …}
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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} |
|
Show voter details
|
| 64 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4734
+user: App\Entity\User {#4747 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 65 |
DENIED
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ROLE_USER
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null |
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Show voter details
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| 66 |
DENIED
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moderate
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App\Entity\EntryComment {#4807
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
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---\n
\n
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------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
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\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 67 |
DENIED
|
edit
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App\Entity\EntryComment {#4807
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 68 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4807
+user: App\Entity\User {#4820 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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---\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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Apparently my method is a mix of those listed in the text.\n
\n
I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
\n
Then I split that budget into four categories:\n
\n
- **savings** - I aim for 25%. Into the saving account it goes.\n
- **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
- **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
- **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
\n
Then here’s how I address some complexities:\n
\n
- periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
- erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
- high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
- low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
- really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
\n
Notes:\n
\n
1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
"""
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|
Show voter details
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| 71 |
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edit
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App\Entity\EntryComment {#4883
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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+url: null
+body: """
I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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Apparently my method is a mix of those listed in the text.\n
\n
I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
\n
Then I split that budget into four categories:\n
\n
- **savings** - I aim for 25%. Into the saving account it goes.\n
- **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
- **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
- **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
\n
Then here’s how I address some complexities:\n
\n
- periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
- erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
- high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
- low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
- really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
\n
Notes:\n
\n
1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
"""
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date: 2024-01-03 09:04:51.0 +01:00
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|
Show voter details
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| 72 |
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moderate
|
App\Entity\EntryComment {#4883
+user: App\Entity\User {#4896 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
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+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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+body: """
I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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+magazine: App\Entity\Magazine {#266}
+image: null
+parent: null
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+body: """
Apparently my method is a mix of those listed in the text.\n
\n
I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
\n
Then I split that budget into four categories:\n
\n
- **savings** - I aim for 25%. Into the saving account it goes.\n
- **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
- **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
- **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
\n
Then here’s how I address some complexities:\n
\n
- periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
- erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
- high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
- low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
- really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
\n
Notes:\n
\n
1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
"""
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date: 2024-03-23 03:44:26.0 +01:00
}
+createdAt: DateTimeImmutable @1704269091 {#4879
date: 2024-01-03 09:04:51.0 +01:00
}
} |
|
Show voter details
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|
Show voter details
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| 74 |
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moderate
|
App\Entity\EntryComment {#4957
+user: App\Entity\User {#4970 …}
+entry: App\Entity\Entry {#2388
+user: Proxies\__CG__\App\Entity\User {#1943 …}
+magazine: App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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Show voter details
|
| 75 |
DENIED
|
edit
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App\Entity\EntryComment {#4957
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
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2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
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3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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|
Show voter details
|
| 76 |
DENIED
|
moderate
|
App\Entity\EntryComment {#4957
+user: App\Entity\User {#4970 …}
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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A Fediverse community for open-ended, thought provoking questions\n
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---\n
\n
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\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
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[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
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I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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I follow an unconventional method that I came up with myself: any time I spend money on anything “unnecessary” (so, excluding things like rent, groceries, etc), I put an equal amount into my savings account.\n
\n
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DENIED
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edit
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App\Entity\EntryComment {#5030
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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---\n
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\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
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[Ask Ouija](/c/askouija@lemmy.world)\n
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Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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I follow an unconventional method that I came up with myself: any time I spend money on anything “unnecessary” (so, excluding things like rent, groceries, etc), I put an equal amount into my savings account.\n
\n
Pros include: This method alleviates my guilt of spending money on myself. It scales, so the more money I make, the more I tend to save. It’s flexible enough that even during the times where I can’t afford to save, I can still stick to it.
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Show voter details
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| 80 |
DENIED
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moderate
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App\Entity\EntryComment {#5030
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A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
\n
What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
\n
I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
"""
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I follow an unconventional method that I came up with myself: any time I spend money on anything “unnecessary” (so, excluding things like rent, groceries, etc), I put an equal amount into my savings account.\n
\n
Pros include: This method alleviates my guilt of spending money on myself. It scales, so the more money I make, the more I tend to save. It’s flexible enough that even during the times where I can’t afford to save, I can still stick to it.
"""
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|
Show voter details
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edit
|
App\Entity\Magazine {#266
+icon: Proxies\__CG__\App\Entity\Image {#247 …}
+name: "asklemmy@lemmy.world"
+title: "asklemmy"
+description: """
A Fediverse community for open-ended, thought provoking questions\n
-----------------------------------------------------------------\n
\n
---\n
\n
**Rules: (interactive)**\n
------------------------\n
\n
---\n
\n
1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
\n
---\n
\n
2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
\n
---\n
\n
3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
\n
---\n
\n
4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
\n
---\n
\n
5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
\n
---\n
\n
Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
\n
Partnered Communities:\n
----------------------\n
\n
[Tech Support](/c/techsupport@lemmy.world)\n
\n
[No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
\n
[You Should Know](/c/youshouldknow@lemmy.world)\n
\n
[Reddit](/c/reddit@lemmy.world)\n
\n
[Jokes](/c/jokes@lemmy.world)\n
\n
[Ask Ouija](/c/askouija@lemmy.world)\n
\n
---\n
\n
Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
\n
---\n
\n
"""
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date: 2023-10-13 08:03:47.0 +02:00
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} |
|
Show voter details
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