GET https://kbin.spritesserver.nl/m/asklemmy@lemmy.world/t/26875/What-s-involved-in-your-budgeting-method/oldest

Security

Token

There is no security token.

Firewall

main Name
Security enabled
Stateless

Configuration

Key Value
provider security.user.provider.concrete.app_user_provider
context main
entry_point App\Security\KbinAuthenticator
user_checker App\Security\UserChecker
access_denied_handler (none)
access_denied_url (none)
authenticators
[
  "two_factor"
  "remember_me"
  "App\Security\KbinAuthenticator"
  "App\Security\FacebookAuthenticator"
  "App\Security\GoogleAuthenticator"
  "App\Security\GithubAuthenticator"
  "App\Security\KeycloakAuthenticator"
]

Listeners

Listener Duration Response
Symfony\Component\Security\Http\Firewall\ChannelListener {#723
  -map: Symfony\Component\Security\Http\AccessMap {#722 …}
  -logger: Monolog\Logger {#783 …}
  -httpPort: 80
  -httpsPort: 443
}
0.00 ms (none)
Symfony\Component\Security\Http\Firewall\ContextListener {#706
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\TokenStorage {#1017 …}
  -sessionKey: "_security_main"
  -logger: Monolog\Logger {#783 …}
  -userProviders: Symfony\Component\DependencyInjection\Argument\RewindableGenerator {#705 …}
  -dispatcher: Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher {#747 …}
  -registered: false
  -trustResolver: Scheb\TwoFactorBundle\Security\Authentication\AuthenticationTrustResolver {#780 …}
  -sessionTrackerEnabler: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage::enableUsageTracking(): void {#703 …}
}
7.66 ms (none)
Symfony\Component\Security\Http\Firewall\AuthenticatorManagerListener {#584
  -authenticatorManager: Symfony\Component\Security\Http\Authentication\AuthenticatorManager {#595 …}
}
0.00 ms (none)
Scheb\TwoFactorBundle\Security\Http\Firewall\TwoFactorAccessListener {#582
  -twoFactorFirewallConfig: Scheb\TwoFactorBundle\Security\TwoFactor\TwoFactorFirewallConfig {#842 …}
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage {#1018 …}
  -twoFactorAccessDecider: Scheb\TwoFactorBundle\Security\Authorization\TwoFactorAccessDecider {#581 …}
}
0.59 ms (none)
Symfony\Component\Security\Http\Firewall\AccessListener {#579
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage {#1018 …}
  -accessDecisionManager: Symfony\Component\Security\Core\Authorization\TraceableAccessDecisionManager {#937 …}
  -map: Symfony\Component\Security\Http\AccessMap {#722 …}
}
0.00 ms (none)
Symfony\Component\Security\Http\Firewall\LogoutListener {#786
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage {#1018 …}
  -options: [
    "csrf_parameter" => "_csrf_token"
    "csrf_token_id" => "logout"
    "logout_path" => "app_logout"
  ]
  -httpUtils: Symfony\Component\Security\Http\HttpUtils {#841 …}
  -csrfTokenManager: Symfony\Component\Security\Csrf\CsrfTokenManager {#1015 …}
  -eventDispatcher: Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher {#747 …}
}
0.00 ms (none)

Authenticators

No authenticators have been recorded. Check previous profiles on your authentication endpoint.

Access Decision

affirmative Strategy
# Voter class
1
"Symfony\Component\Security\Core\Authorization\Voter\AuthenticatedVoter"
2
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
3
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
4
"Symfony\Component\Security\Core\Authorization\Voter\ExpressionVoter"
5
"App\Security\Voter\EntryCommentVoter"
6
"App\Security\Voter\EntryVoter"
7
"App\Security\Voter\MagazineVoter"
8
"App\Security\Voter\MessageThreadVoter"
9
"App\Security\Voter\MessageVoter"
10
"App\Security\Voter\NotificationVoter"
11
"App\Security\Voter\OAuth2UserConsentVoter"
12
"App\Security\Voter\PostCommentVoter"
13
"App\Security\Voter\PostVoter"
14
"App\Security\Voter\UserVoter"

Access decision log

# Result Attributes Object
1 DENIED ROLE_USER
null
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
ACCESS DENIED
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
2 DENIED moderate
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
    +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
      ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
      """
    +rules: null
    +subscriptionsCount: 1
    +entryCount: 1179
    +entryCommentCount: 42676
    +postCount: 3
    +postCommentCount: 67
    +isAdult: false
    +customCss: null
    +lastActive: DateTime @1729583245 {#275
      date: 2024-10-22 09:47:25.0 +02:00
    }
    +markedForDeletionAt: null
    +tags: null
    +moderators: Doctrine\ORM\PersistentCollection {#237 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
    +entries: Doctrine\ORM\PersistentCollection {#180 …}
    +posts: Doctrine\ORM\PersistentCollection {#138 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
    +bans: Doctrine\ORM\PersistentCollection {#117 …}
    +reports: Doctrine\ORM\PersistentCollection {#103 …}
    +badges: Doctrine\ORM\PersistentCollection {#81 …}
    +logs: Doctrine\ORM\PersistentCollection {#71 …}
    +awards: Doctrine\ORM\PersistentCollection {#1346 …}
    +categories: Doctrine\ORM\PersistentCollection {#1823 …}
    -id: 49
    +apId: "asklemmy@lemmy.world"
    +apProfileId: "https://lemmy.world/c/asklemmy"
    +apPublicUrl: "https://lemmy.world/c/asklemmy"
    +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
    +apInboxUrl: "https://lemmy.world/inbox"
    +apDomain: "lemmy.world"
    +apPreferredUsername: "asklemmy"
    +apDiscoverable: true
    +apManuallyApprovesFollowers: null
    +privateKey: null
    +publicKey: null
    +apFetchedAt: DateTime @1729583301 {#269
      date: 2024-10-22 09:48:21.0 +02:00
    }
    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#271
      date: 2023-10-13 08:03:47.0 +02:00
    }
  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
  +slug: "What-s-involved-in-your-budgeting-method"
  +title: "What's involved in your budgeting method?"
  +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.
    """
  +type: "article"
  +lang: "en"
  +isOc: false
  +hasEmbed: false
  +commentCount: 34
  +favouriteCount: 89
  +score: 0
  +isAdult: false
  +sticky: false
  +lastActive: DateTime @1711693728 {#2414
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1884 …}
  +votes: Doctrine\ORM\PersistentCollection {#1973 …}
  +reports: Doctrine\ORM\PersistentCollection {#1959 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
  +badges: Doctrine\ORM\PersistentCollection {#2440 …}
  +children: []
  -id: 26875
  -titleTs: "'budget':6 'involv':3 'method':7"
  -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
  +cross: false
  +upVotes: 0
  +downVotes: 0
  +ranking: 1704341726
  +visibility: "visible             "
  +apId: "https://lemmy.world/post/10257042"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704255326 {#1793
    date: 2024-01-03 05:15:26.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS DENIED
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
3 DENIED edit
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
    +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
      ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
      """
    +rules: null
    +subscriptionsCount: 1
    +entryCount: 1179
    +entryCommentCount: 42676
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      date: 2024-10-22 09:47:25.0 +02:00
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    +moderators: Doctrine\ORM\PersistentCollection {#237 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
    +entries: Doctrine\ORM\PersistentCollection {#180 …}
    +posts: Doctrine\ORM\PersistentCollection {#138 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
    +bans: Doctrine\ORM\PersistentCollection {#117 …}
    +reports: Doctrine\ORM\PersistentCollection {#103 …}
    +badges: Doctrine\ORM\PersistentCollection {#81 …}
    +logs: Doctrine\ORM\PersistentCollection {#71 …}
    +awards: Doctrine\ORM\PersistentCollection {#1346 …}
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    -id: 49
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    +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
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    +apDomain: "lemmy.world"
    +apPreferredUsername: "asklemmy"
    +apDiscoverable: true
    +apManuallyApprovesFollowers: null
    +privateKey: null
    +publicKey: null
    +apFetchedAt: DateTime @1729583301 {#269
      date: 2024-10-22 09:48:21.0 +02:00
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    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#271
      date: 2023-10-13 08:03:47.0 +02:00
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  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
  +slug: "What-s-involved-in-your-budgeting-method"
  +title: "What's involved in your budgeting method?"
  +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.
    """
  +type: "article"
  +lang: "en"
  +isOc: false
  +hasEmbed: false
  +commentCount: 34
  +favouriteCount: 89
  +score: 0
  +isAdult: false
  +sticky: false
  +lastActive: DateTime @1711693728 {#2414
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1884 …}
  +votes: Doctrine\ORM\PersistentCollection {#1973 …}
  +reports: Doctrine\ORM\PersistentCollection {#1959 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
  +badges: Doctrine\ORM\PersistentCollection {#2440 …}
  +children: []
  -id: 26875
  -titleTs: "'budget':6 'involv':3 'method':7"
  -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
  +cross: false
  +upVotes: 0
  +downVotes: 0
  +ranking: 1704341726
  +visibility: "visible             "
  +apId: "https://lemmy.world/post/10257042"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704255326 {#1793
    date: 2024-01-03 05:15:26.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS DENIED
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
4 DENIED moderate
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
    +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
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      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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        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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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \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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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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    The first item is the most important to me. I’m not consistent enough to manage a spreadsheet.
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        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
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        \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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10 DENIED moderate
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        \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
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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
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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    I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
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    For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
    \n
    EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
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        \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
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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
        Partnered Communities:\n
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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    I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\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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        \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
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        [No Stupid Questions](/c/nostupidquestions@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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  +body: """
    I haven’t been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the “Pay yourself first” method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using “buckets” of spending goals & that works too.\n
    \n
    Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It’s always best to have emergency savings.\n
    \n
    For what it’s worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. [lemmy.ml/post/1161162](https://lemmy.ml/post/1161162) from !personalfinance@lemmy.ml\n
    \n
    EDIT: Speaking of the other communities you may want to visit !personalfinance@lemmy.ml / !personalfinance@lemmy.world while you’re on this topic :)
    """
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        \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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        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
        Partnered Communities:\n
        ----------------------\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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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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    Ultimately, the best approach is the one that works best psychologically for you.\n
    \n
    As long as you’re quantatively tracking the in/out of your dollars, yoiu’re doing it right.\n
    \n
    From there, if your goal is to save money, its about rewiring your brain to gain pleasure from things other than consumption. In my life experience I’ve found the most sustainable way to feel good without spending money is through personal improvement and achievement. Skills, athletics, creativity, doesn’t matter. If you’re regularly getting better at making or doing stuff you’re proud of, you’ll feel good for free or cheap.
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        \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
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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
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        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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    Ultimately, the best approach is the one that works best psychologically for you.\n
    \n
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    From there, if your goal is to save money, its about rewiring your brain to gain pleasure from things other than consumption. In my life experience I’ve found the most sustainable way to feel good without spending money is through personal improvement and achievement. Skills, athletics, creativity, doesn’t matter. If you’re regularly getting better at making or doing stuff you’re proud of, you’ll feel good for free or cheap.
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        \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
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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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        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
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    Ultimately, the best approach is the one that works best psychologically for you.\n
    \n
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    From there, if your goal is to save money, its about rewiring your brain to gain pleasure from things other than consumption. In my life experience I’ve found the most sustainable way to feel good without spending money is through personal improvement and achievement. Skills, athletics, creativity, doesn’t matter. If you’re regularly getting better at making or doing stuff you’re proud of, you’ll feel good for free or cheap.
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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
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        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
        [No Stupid Questions](/c/nostupidquestions@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
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        \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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        [Jokes](/c/jokes@lemmy.world)\n
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        [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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      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 always found it easier to basically automate the process as much as possible. “spend” every recurring expenditure and also set aside the most aggressive savings/investments possible using separate bill pay and savings accounts or buckets. Everything is taken out of the main account as soon as your paycheck hits, so it means everything you see on your spending account is a free dollar that you can use for fun or food.\n
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        **Rules: (interactive)**\n
        ------------------------\n
        \n
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        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
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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
        \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
        \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 always found it easier to basically automate the process as much as possible. “spend” every recurring expenditure and also set aside the most aggressive savings/investments possible using separate bill pay and savings accounts or buckets. Everything is taken out of the main account as soon as your paycheck hits, so it means everything you see on your spending account is a free dollar that you can use for fun or food.\n
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    Yes, I definitely rely on all automatic payments. When I first moved out on my own thought I had a grip on things but too many bills ended up paid a couple days late, even though I had the money.\n
    \n
    We also have recurring transfers to savings and to individual accounts for “fluff” spending.
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        \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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        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 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 always found it easier to basically automate the process as much as possible. “spend” every recurring expenditure and also set aside the most aggressive savings/investments possible using separate bill pay and savings accounts or buckets. Everything is taken out of the main account as soon as your paycheck hits, so it means everything you see on your spending account is a free dollar that you can use for fun or food.\n
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    Yes, I definitely rely on all automatic payments. When I first moved out on my own thought I had a grip on things but too many bills ended up paid a couple days late, even though I had the money.\n
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    We also have recurring transfers to savings and to individual accounts for “fluff” spending.
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        \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
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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
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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
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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
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        A Fediverse community for open-ended, thought provoking questions\n
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        ---\n
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        **Rules: (interactive)**\n
        ------------------------\n
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        ---\n
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        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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        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
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@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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        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
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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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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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  +magazine: App\Entity\Magazine {#265}
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    I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
    \n
    But I do have a few rules:\n
    \n
    1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
    2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\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
        \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
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        \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
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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
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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 don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
    \n
    But I do have a few rules:\n
    \n
    1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
    2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
    3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
    """
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Show voter details
32 DENIED moderate
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        **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
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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
        \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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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 don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
    \n
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    3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
    """
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
33 DENIED ROLE_USER
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
34 DENIED moderate
App\Entity\EntryComment {#5126
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
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      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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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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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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  +parent: App\Entity\EntryComment {#4364
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    +magazine: App\Entity\Magazine {#265}
    +image: null
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    +body: """
      I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
      \n
      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
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      date: 2024-01-03 06:28:00.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: """
    You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
    \n
    So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
    \n
    If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
    \n
    It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
    """
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    date: 2024-01-03 09:17:09.0 +01:00
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    "@stoy@lemmy.zip"
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ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
35 DENIED edit
App\Entity\EntryComment {#5126
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  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
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      I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
      \n
      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
    +lang: "en"
    +isAdult: false
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      date: 2024-03-24 02:51:21.0 +01:00
    }
    +ip: null
    +tags: null
    +mentions: [
      "@LesserAbe@lemmy.world"
    ]
    +children: Doctrine\ORM\PersistentCollection {#4365 …}
    +nested: Doctrine\ORM\PersistentCollection {#4367 …}
    +votes: Doctrine\ORM\PersistentCollection {#4369 …}
    +reports: Doctrine\ORM\PersistentCollection {#4371 …}
    +favourites: Doctrine\ORM\PersistentCollection {#4373 …}
    +notifications: Doctrine\ORM\PersistentCollection {#4375 …}
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    +ranking: 0
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    +downVotes: 0
    +visibility: "visible             "
    +apId: "https://lemmy.zip/comment/5930245"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704259680 {#4360
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: """
    You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
    \n
    So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
    \n
    If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
    \n
    It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
    """
  +lang: "en"
  +isAdult: false
  +favouriteCount: 0
  +score: 0
  +lastActive: DateTime @1704269829 {#5124
    date: 2024-01-03 09:17:09.0 +01:00
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  +ip: null
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  +mentions: [
    "@LesserAbe@lemmy.world"
    "@stoy@lemmy.zip"
  ]
  +children: Doctrine\ORM\PersistentCollection {#5128 …}
  +nested: Doctrine\ORM\PersistentCollection {#5130 …}
  +votes: Doctrine\ORM\PersistentCollection {#5132 …}
  +reports: Doctrine\ORM\PersistentCollection {#5134 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5136 …}
  +notifications: Doctrine\ORM\PersistentCollection {#5138 …}
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  +ranking: 0
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  +visibility: "visible             "
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  +editedAt: null
  +createdAt: DateTimeImmutable @1704269829 {#5125
    date: 2024-01-03 09:17:09.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
36 DENIED moderate
App\Entity\EntryComment {#5126
  +user: Proxies\__CG__\App\Entity\User {#5127 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
      +postCommentCount: 67
      +isAdult: false
      +customCss: null
      +lastActive: DateTime @1729583245 {#275
        date: 2024-10-22 09:47:25.0 +02:00
      }
      +markedForDeletionAt: null
      +tags: null
      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
      +entries: Doctrine\ORM\PersistentCollection {#180 …}
      +posts: Doctrine\ORM\PersistentCollection {#138 …}
      +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
      +bans: Doctrine\ORM\PersistentCollection {#117 …}
      +reports: Doctrine\ORM\PersistentCollection {#103 …}
      +badges: Doctrine\ORM\PersistentCollection {#81 …}
      +logs: Doctrine\ORM\PersistentCollection {#71 …}
      +awards: Doctrine\ORM\PersistentCollection {#1346 …}
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      -id: 49
      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
      +apPublicUrl: "https://lemmy.world/c/asklemmy"
      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
      +apDomain: "lemmy.world"
      +apPreferredUsername: "asklemmy"
      +apDiscoverable: true
      +apManuallyApprovesFollowers: null
      +privateKey: null
      +publicKey: null
      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
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      +apDeletedAt: null
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      +visibility: "visible             "
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        date: 2023-10-13 08:03:47.0 +02:00
      }
    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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.
      """
    +type: "article"
    +lang: "en"
    +isOc: false
    +hasEmbed: false
    +commentCount: 34
    +favouriteCount: 89
    +score: 0
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    +lastActive: DateTime @1711693728 {#2414
      date: 2024-03-29 07:28:48.0 +01:00
    }
    +ip: null
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    +tags: null
    +mentions: null
    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
    +votes: Doctrine\ORM\PersistentCollection {#1973 …}
    +reports: Doctrine\ORM\PersistentCollection {#1959 …}
    +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
    +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
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    +children: []
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    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#4364
    +user: App\Entity\User {#4377 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: null
    +root: null
    +body: """
      I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
      \n
      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
    +lang: "en"
    +isAdult: false
    +favouriteCount: 6
    +score: 0
    +lastActive: DateTime @1711245081 {#4359
      date: 2024-03-24 02:51:21.0 +01:00
    }
    +ip: null
    +tags: null
    +mentions: [
      "@LesserAbe@lemmy.world"
    ]
    +children: Doctrine\ORM\PersistentCollection {#4365 …}
    +nested: Doctrine\ORM\PersistentCollection {#4367 …}
    +votes: Doctrine\ORM\PersistentCollection {#4369 …}
    +reports: Doctrine\ORM\PersistentCollection {#4371 …}
    +favourites: Doctrine\ORM\PersistentCollection {#4373 …}
    +notifications: Doctrine\ORM\PersistentCollection {#4375 …}
    -id: 275721
    -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
    +ranking: 0
    +commentCount: 0
    +upVotes: 0
    +downVotes: 0
    +visibility: "visible             "
    +apId: "https://lemmy.zip/comment/5930245"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704259680 {#4360
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: """
    You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
    \n
    So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
    \n
    If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
    \n
    It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
    """
  +lang: "en"
  +isAdult: false
  +favouriteCount: 0
  +score: 0
  +lastActive: DateTime @1704269829 {#5124
    date: 2024-01-03 09:17:09.0 +01:00
  }
  +ip: null
  +tags: null
  +mentions: [
    "@LesserAbe@lemmy.world"
    "@stoy@lemmy.zip"
  ]
  +children: Doctrine\ORM\PersistentCollection {#5128 …}
  +nested: Doctrine\ORM\PersistentCollection {#5130 …}
  +votes: Doctrine\ORM\PersistentCollection {#5132 …}
  +reports: Doctrine\ORM\PersistentCollection {#5134 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5136 …}
  +notifications: Doctrine\ORM\PersistentCollection {#5138 …}
  -id: 275911
  -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
  +ranking: 0
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  +upVotes: 0
  +downVotes: 0
  +visibility: "visible             "
  +apId: "https://lemmy.ml/comment/7035209"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704269829 {#5125
    date: 2024-01-03 09:17:09.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
37 DENIED ROLE_USER
null
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
ACCESS DENIED
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
38 DENIED moderate
App\Entity\EntryComment {#5165
  +user: App\Entity\User {#4377 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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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      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
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    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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  }
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  +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
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39 DENIED 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
        \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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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
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      \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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    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5126
    +user: Proxies\__CG__\App\Entity\User {#5127 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4364
      +user: App\Entity\User {#4377 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
      +favouriteCount: 6
      +score: 0
      +lastActive: DateTime @1711245081 {#4359
        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4365 …}
      +nested: Doctrine\ORM\PersistentCollection {#4367 …}
      +votes: Doctrine\ORM\PersistentCollection {#4369 …}
      +reports: Doctrine\ORM\PersistentCollection {#4371 …}
      +favourites: Doctrine\ORM\PersistentCollection {#4373 …}
      +notifications: Doctrine\ORM\PersistentCollection {#4375 …}
      -id: 275721
      -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
      +ranking: 0
      +commentCount: 0
      +upVotes: 0
      +downVotes: 0
      +visibility: "visible             "
      +apId: "https://lemmy.zip/comment/5930245"
      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4360
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4364}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
    +lang: "en"
    +isAdult: false
    +favouriteCount: 0
    +score: 0
    +lastActive: DateTime @1704269829 {#5124
      date: 2024-01-03 09:17:09.0 +01:00
    }
    +ip: null
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    +mentions: [
      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
    ]
    +children: Doctrine\ORM\PersistentCollection {#5128 …}
    +nested: Doctrine\ORM\PersistentCollection {#5130 …}
    +votes: Doctrine\ORM\PersistentCollection {#5132 …}
    +reports: Doctrine\ORM\PersistentCollection {#5134 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5136 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5138 …}
    -id: 275911
    -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
    +ranking: 0
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      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
  +lang: "en"
  +isAdult: false
  +favouriteCount: 3
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    date: 2024-01-03 11:12:52.0 +01:00
  }
  +ip: null
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    "@LesserAbe@lemmy.world"
    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
  ]
  +children: Doctrine\ORM\PersistentCollection {#5162 …}
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  -id: 276039
  -bodyTs: "'access':21 'allow':4 'card':24 'crap':27 'favour':10 'internet':20 'remov':7 'switch':14 'turn':16 'use':2"
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    date: 2024-01-03 11:12:52.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
40 DENIED moderate
App\Entity\EntryComment {#5165
  +user: App\Entity\User {#4377 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
      +postCommentCount: 67
      +isAdult: false
      +customCss: null
      +lastActive: DateTime @1729583245 {#275
        date: 2024-10-22 09:47:25.0 +02:00
      }
      +markedForDeletionAt: null
      +tags: null
      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
      +entries: Doctrine\ORM\PersistentCollection {#180 …}
      +posts: Doctrine\ORM\PersistentCollection {#138 …}
      +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
      +bans: Doctrine\ORM\PersistentCollection {#117 …}
      +reports: Doctrine\ORM\PersistentCollection {#103 …}
      +badges: Doctrine\ORM\PersistentCollection {#81 …}
      +logs: Doctrine\ORM\PersistentCollection {#71 …}
      +awards: Doctrine\ORM\PersistentCollection {#1346 …}
      +categories: Doctrine\ORM\PersistentCollection {#1823 …}
      -id: 49
      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
      +apPublicUrl: "https://lemmy.world/c/asklemmy"
      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
      +apDomain: "lemmy.world"
      +apPreferredUsername: "asklemmy"
      +apDiscoverable: true
      +apManuallyApprovesFollowers: null
      +privateKey: null
      +publicKey: null
      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
      }
      +apDeletedAt: null
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      +createdAt: DateTimeImmutable @1697177027 {#271
        date: 2023-10-13 08:03:47.0 +02:00
      }
    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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.
      """
    +type: "article"
    +lang: "en"
    +isOc: false
    +hasEmbed: false
    +commentCount: 34
    +favouriteCount: 89
    +score: 0
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    +lastActive: DateTime @1711693728 {#2414
      date: 2024-03-29 07:28:48.0 +01:00
    }
    +ip: null
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    +tags: null
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    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
    +votes: Doctrine\ORM\PersistentCollection {#1973 …}
    +reports: Doctrine\ORM\PersistentCollection {#1959 …}
    +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
    +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
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    +children: []
    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5126
    +user: Proxies\__CG__\App\Entity\User {#5127 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4364
      +user: App\Entity\User {#4377 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
      +favouriteCount: 6
      +score: 0
      +lastActive: DateTime @1711245081 {#4359
        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4365 …}
      +nested: Doctrine\ORM\PersistentCollection {#4367 …}
      +votes: Doctrine\ORM\PersistentCollection {#4369 …}
      +reports: Doctrine\ORM\PersistentCollection {#4371 …}
      +favourites: Doctrine\ORM\PersistentCollection {#4373 …}
      +notifications: Doctrine\ORM\PersistentCollection {#4375 …}
      -id: 275721
      -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
      +ranking: 0
      +commentCount: 0
      +upVotes: 0
      +downVotes: 0
      +visibility: "visible             "
      +apId: "https://lemmy.zip/comment/5930245"
      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4360
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4364}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
    +lang: "en"
    +isAdult: false
    +favouriteCount: 0
    +score: 0
    +lastActive: DateTime @1704269829 {#5124
      date: 2024-01-03 09:17:09.0 +01:00
    }
    +ip: null
    +tags: null
    +mentions: [
      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
    ]
    +children: Doctrine\ORM\PersistentCollection {#5128 …}
    +nested: Doctrine\ORM\PersistentCollection {#5130 …}
    +votes: Doctrine\ORM\PersistentCollection {#5132 …}
    +reports: Doctrine\ORM\PersistentCollection {#5134 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5136 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5138 …}
    -id: 275911
    -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
    +ranking: 0
    +commentCount: 0
    +upVotes: 0
    +downVotes: 0
    +visibility: "visible             "
    +apId: "https://lemmy.ml/comment/7035209"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704269829 {#5125
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
  +lang: "en"
  +isAdult: false
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    "@LesserAbe@lemmy.world"
    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
  ]
  +children: Doctrine\ORM\PersistentCollection {#5162 …}
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    date: 2024-01-03 11:12:52.0 +01:00
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ACCESS ABSTAIN
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ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
41 DENIED ROLE_USER
null
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ACCESS ABSTAIN
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ACCESS DENIED
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
42 DENIED moderate
App\Entity\EntryComment {#5217
  +user: Proxies\__CG__\App\Entity\User {#5127 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
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      +customCss: null
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        date: 2024-10-22 09:47:25.0 +02:00
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      +markedForDeletionAt: null
      +tags: null
      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
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      -id: 49
      +apId: "asklemmy@lemmy.world"
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        date: 2024-10-22 09:48:21.0 +02:00
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        date: 2023-10-13 08:03:47.0 +02:00
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    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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    +ip: null
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    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
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    +children: []
    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
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    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5165
    +user: App\Entity\User {#4377 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5126
      +user: Proxies\__CG__\App\Entity\User {#5127 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4364
        +user: App\Entity\User {#4377 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
        +root: null
        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
        +lang: "en"
        +isAdult: false
        +favouriteCount: 6
        +score: 0
        +lastActive: DateTime @1711245081 {#4359
          date: 2024-03-24 02:51:21.0 +01:00
        }
        +ip: null
        +tags: null
        +mentions: [
          "@LesserAbe@lemmy.world"
        ]
        +children: Doctrine\ORM\PersistentCollection {#4365 …}
        +nested: Doctrine\ORM\PersistentCollection {#4367 …}
        +votes: Doctrine\ORM\PersistentCollection {#4369 …}
        +reports: Doctrine\ORM\PersistentCollection {#4371 …}
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        -id: 275721
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        +ranking: 0
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        +visibility: "visible             "
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        +editedAt: null
        +createdAt: DateTimeImmutable @1704259680 {#4360
          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4364}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
      +lang: "en"
      +isAdult: false
      +favouriteCount: 0
      +score: 0
      +lastActive: DateTime @1704269829 {#5124
        date: 2024-01-03 09:17:09.0 +01:00
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      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
      ]
      +children: Doctrine\ORM\PersistentCollection {#5128 …}
      +nested: Doctrine\ORM\PersistentCollection {#5130 …}
      +votes: Doctrine\ORM\PersistentCollection {#5132 …}
      +reports: Doctrine\ORM\PersistentCollection {#5134 …}
      +favourites: Doctrine\ORM\PersistentCollection {#5136 …}
      +notifications: Doctrine\ORM\PersistentCollection {#5138 …}
      -id: 275911
      -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
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      +createdAt: DateTimeImmutable @1704269829 {#5125
        date: 2024-01-03 09:17:09.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4364}
    +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
    +lang: "en"
    +isAdult: false
    +favouriteCount: 3
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      date: 2024-01-03 11:12:52.0 +01:00
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      "@stoy@lemmy.zip"
      "@averagedrunk@lemmy.ml"
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    +children: Doctrine\ORM\PersistentCollection {#5162 …}
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    -id: 276039
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704276772 {#5169
      date: 2024-01-03 11:12:52.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: "That’s just garbage."
  +lang: "en"
  +isAdult: false
  +favouriteCount: 1
  +score: 0
  +lastActive: DateTime @1704278608 {#5218
    date: 2024-01-03 11:43:28.0 +01:00
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    "@stoy@lemmy.zip"
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    date: 2024-01-03 11:43:28.0 +01:00
  }
}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
43 DENIED edit
App\Entity\EntryComment {#5217
  +user: Proxies\__CG__\App\Entity\User {#5127 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
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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
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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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        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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    +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
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  +body: "That’s just garbage."
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44 DENIED 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
        \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
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        [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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        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5165
    +user: App\Entity\User {#4377 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5126
      +user: Proxies\__CG__\App\Entity\User {#5127 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4364
        +user: App\Entity\User {#4377 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
        +root: null
        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          date: 2024-03-24 02:51:21.0 +01:00
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          "@LesserAbe@lemmy.world"
        ]
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        +ranking: 0
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        +visibility: "visible             "
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        +editedAt: null
        +createdAt: DateTimeImmutable @1704259680 {#4360
          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4364}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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      +isAdult: false
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        date: 2024-01-03 09:17:09.0 +01:00
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        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
      ]
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
    +lang: "en"
    +isAdult: false
    +favouriteCount: 3
    +score: 0
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      date: 2024-01-03 11:12:52.0 +01:00
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      "@stoy@lemmy.zip"
      "@averagedrunk@lemmy.ml"
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    -id: 276039
    -bodyTs: "'access':21 'allow':4 'card':24 'crap':27 'favour':10 'internet':20 'remov':7 'switch':14 'turn':16 'use':2"
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      date: 2024-01-03 11:12:52.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "That’s just garbage."
  +lang: "en"
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    date: 2024-01-03 11:43:28.0 +01:00
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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    date: 2024-01-03 11:43:28.0 +01:00
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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"App\Security\Voter\PostCommentVoter"
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"App\Security\Voter\PostVoter"
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"App\Security\Voter\UserVoter"
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Show voter details
45 DENIED ROLE_USER
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ACCESS ABSTAIN
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"App\Security\Voter\MessageThreadVoter"
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"App\Security\Voter\MessageVoter"
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ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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46 DENIED moderate
App\Entity\EntryComment {#5245
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
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  +parent: App\Entity\EntryComment {#5217
    +user: Proxies\__CG__\App\Entity\User {#5127 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5165
      +user: App\Entity\User {#4377 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#5126
        +user: Proxies\__CG__\App\Entity\User {#5127 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: App\Entity\EntryComment {#4364
          +user: App\Entity\User {#4377 …}
          +entry: App\Entity\Entry {#2419}
          +magazine: App\Entity\Magazine {#265}
          +image: null
          +parent: null
          +root: null
          +body: """
            I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
            \n
            But I do have a few rules:\n
            \n
            1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
            2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
            3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
            """
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            date: 2024-03-24 02:51:21.0 +01:00
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            "@LesserAbe@lemmy.world"
          ]
          +children: Doctrine\ORM\PersistentCollection {#4365 …}
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          +ranking: 0
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          +createdAt: DateTimeImmutable @1704259680 {#4360
            date: 2024-01-03 06:28:00.0 +01:00
          }
        }
        +root: App\Entity\EntryComment {#4364}
        +body: """
          You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
          \n
          So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
          \n
          If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
          \n
          It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
          """
        +lang: "en"
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          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
        ]
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          date: 2024-01-03 09:17:09.0 +01:00
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      }
      +root: App\Entity\EntryComment {#4364}
      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
      +lang: "en"
      +isAdult: false
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        date: 2024-01-03 11:12:52.0 +01:00
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        date: 2024-01-03 11:12:52.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "That’s just garbage."
    +lang: "en"
    +isAdult: false
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      date: 2024-01-03 11:43:28.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Yep, it was an old system, I think it was flash based, which makes it understandable that they shut it off, but not that they didn’t replace it with an updated system."
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}
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Show voter details
47 DENIED edit
App\Entity\EntryComment {#5245
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    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
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        date: 2024-10-22 09:47:25.0 +02:00
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      -id: 49
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        date: 2024-10-22 09:48:21.0 +02:00
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5217
    +user: Proxies\__CG__\App\Entity\User {#5127 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5165
      +user: App\Entity\User {#4377 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#5126
        +user: Proxies\__CG__\App\Entity\User {#5127 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: App\Entity\EntryComment {#4364
          +user: App\Entity\User {#4377 …}
          +entry: App\Entity\Entry {#2419}
          +magazine: App\Entity\Magazine {#265}
          +image: null
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          +body: """
            I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
            \n
            But I do have a few rules:\n
            \n
            1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
            2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
            3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
            """
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            date: 2024-01-03 06:28:00.0 +01:00
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        +root: App\Entity\EntryComment {#4364}
        +body: """
          You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
          \n
          So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
          \n
          If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
          \n
          It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
          """
        +lang: "en"
        +isAdult: false
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          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
        ]
        +children: Doctrine\ORM\PersistentCollection {#5128 …}
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          date: 2024-01-03 09:17:09.0 +01:00
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      }
      +root: App\Entity\EntryComment {#4364}
      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
      +lang: "en"
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        "@stoy@lemmy.zip"
        "@averagedrunk@lemmy.ml"
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        date: 2024-01-03 11:12:52.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "That’s just garbage."
    +lang: "en"
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      date: 2024-01-03 11:43:28.0 +01:00
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      "@stoy@lemmy.zip"
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Yep, it was an old system, I think it was flash based, which makes it understandable that they shut it off, but not that they didn’t replace it with an updated system."
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
48 DENIED moderate
App\Entity\EntryComment {#5245
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5217
    +user: Proxies\__CG__\App\Entity\User {#5127 …}
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    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5165
      +user: App\Entity\User {#4377 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#5126
        +user: Proxies\__CG__\App\Entity\User {#5127 …}
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          +user: App\Entity\User {#4377 …}
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          +image: null
          +parent: null
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          +body: """
            I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
            \n
            But I do have a few rules:\n
            \n
            1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
            2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
            3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
            """
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            date: 2024-01-03 06:28:00.0 +01:00
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        }
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        +body: """
          You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
          \n
          So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
          \n
          If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
          \n
          It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
          """
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          date: 2024-01-03 09:17:09.0 +01:00
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          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
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        +children: Doctrine\ORM\PersistentCollection {#5128 …}
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      }
      +root: App\Entity\EntryComment {#4364}
      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
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    +root: App\Entity\EntryComment {#4364}
    +body: "That’s just garbage."
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Yep, it was an old system, I think it was flash based, which makes it understandable that they shut it off, but not that they didn’t replace it with an updated system."
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
49 DENIED ROLE_USER
null
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ACCESS ABSTAIN
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ACCESS DENIED
"App\Security\Voter\EntryCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
50 DENIED moderate
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      +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
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        [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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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    +user: Proxies\__CG__\App\Entity\User {#5127 …}
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    +parent: App\Entity\EntryComment {#4364
      +user: App\Entity\User {#4377 …}
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      +magazine: App\Entity\Magazine {#265}
      +image: null
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      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
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        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4365 …}
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        date: 2024-01-03 06:28:00.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
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      date: 2024-01-03 09:17:09.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "What bank is it that lets you create temporary cards?"
  +lang: "en"
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ACCESS ABSTAIN
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ACCESS DENIED
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
51 DENIED edit
App\Entity\EntryComment {#5179
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      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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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 {#265}
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      +magazine: App\Entity\Magazine {#265}
      +image: null
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      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
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    +root: App\Entity\EntryComment {#4364}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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      "@stoy@lemmy.zip"
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "What bank is it that lets you create temporary cards?"
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}
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ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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Show voter details
52 DENIED moderate
App\Entity\EntryComment {#5179
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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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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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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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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    +user: Proxies\__CG__\App\Entity\User {#5127 …}
    +entry: App\Entity\Entry {#2419}
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      +magazine: App\Entity\Magazine {#265}
      +image: null
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      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
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      +ranking: 0
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      +createdAt: DateTimeImmutable @1704259680 {#4360
        date: 2024-01-03 06:28:00.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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      date: 2024-01-03 09:17:09.0 +01:00
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      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
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    +children: Doctrine\ORM\PersistentCollection {#5128 …}
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      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4364}
  +body: "What bank is it that lets you create temporary cards?"
  +lang: "en"
  +isAdult: false
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    "@stoy@lemmy.zip"
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App\Entity\EntryComment {#5231
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5179
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5126
      +user: Proxies\__CG__\App\Entity\User {#5127 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4364
        +user: App\Entity\User {#4377 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
        +root: null
        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          date: 2024-03-24 02:51:21.0 +01:00
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          "@LesserAbe@lemmy.world"
        ]
        +children: Doctrine\ORM\PersistentCollection {#4365 …}
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4364}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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        "@stoy@lemmy.zip"
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      +createdAt: DateTimeImmutable @1704269829 {#5125
        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
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      date: 2024-01-03 14:25:39.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Capital One lets you do unlimited virtual cards for each service. X1 gives you the ones like I described. There are others."
  +lang: "en"
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}
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ACCESS ABSTAIN
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ACCESS DENIED
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ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
55 DENIED edit
App\Entity\EntryComment {#5231
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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    +upVotes: 0
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      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5179
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5126
      +user: Proxies\__CG__\App\Entity\User {#5127 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4364
        +user: App\Entity\User {#4377 …}
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        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
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        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          "@LesserAbe@lemmy.world"
        ]
        +children: Doctrine\ORM\PersistentCollection {#4365 …}
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4364}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
      +lang: "en"
      +isAdult: false
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        date: 2024-01-03 09:17:09.0 +01:00
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      +mentions: [
        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
      ]
      +children: Doctrine\ORM\PersistentCollection {#5128 …}
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
    +isAdult: false
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      date: 2024-01-03 14:25:39.0 +01:00
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      "@stoy@lemmy.zip"
      "@averagedrunk@lemmy.ml"
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      date: 2024-01-03 14:25:39.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Capital One lets you do unlimited virtual cards for each service. X1 gives you the ones like I described. There are others."
  +lang: "en"
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}
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ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
56 DENIED moderate
App\Entity\EntryComment {#5231
  +user: Proxies\__CG__\App\Entity\User {#5127 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
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  +parent: App\Entity\EntryComment {#5179
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
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      +user: Proxies\__CG__\App\Entity\User {#5127 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
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        +user: App\Entity\User {#4377 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
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        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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    }
    +root: App\Entity\EntryComment {#4364}
    +body: "What bank is it that lets you create temporary cards?"
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  }
  +root: App\Entity\EntryComment {#4364}
  +body: "Capital One lets you do unlimited virtual cards for each service. X1 gives you the ones like I described. There are others."
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}
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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
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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
        \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
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        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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 {#265}
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  +body: ""Will this make me go broke before I die?""
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        \n
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        \n
        ---\n
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \n
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        ------------------------\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
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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
      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 started with zero-based budgeting via YNAB ages ago when ynab was a local-only app. Over time though I’ve adjusted and focus on tracking my expenses rather than budgeting. I’ve found that for me, budgeting is hard to stick to because I can never predict well enough. Ynab helped back when I used it but even then I always had a “rollover” fund I had to steal from almost arbitrarily to make things balanced.\n
    \n
    I do keep a rough spreadsheet budget of my fixed expenses though (rent, internet, phone, electricity, etc) that I use to understand how much of my money is “locked-in” and what is discretionary.\n
    \n
    For tracking, I have a spreadsheet I input all my expenses into every month or two that I use to see how Ive been spending my money, and I use that to decide if I’m happy with where I am.
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        \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
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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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        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
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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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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        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
        ---\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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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\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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  +body: "I have most bills automated, everything that can go on a credit card does. I manually pay down the cards unless there’s a good reason not to, like currently I’m getting ~1% interest on one of them so it can carry a balance for a few months. In the past any excess cash would get moved into a brokerage account about once a month but that’s on hold for now because there’s been a lot of big expenses recently and I need to hopefully pile up more cash for another big expense later in the year. I don’t actually track anything very closely beyond looking at the accounts regularly and doing some rough math. I round things as conservatively as possible when doing the rough math so there’s always some leeway built in to my assumptions that err on the side of me spending more than I probably will."
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73 DENIED ROLE_USER
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74 DENIED moderate
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      +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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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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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  +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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Show voter details
75 DENIED edit
App\Entity\EntryComment {#4730
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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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  +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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        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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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\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
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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
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        [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
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
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        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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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  +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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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\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 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
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        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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        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
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        \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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      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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        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
        \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
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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        **Rules: (interactive)**\n
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        \n
        ---\n
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        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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        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
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        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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        Partnered Communities:\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@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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94 DENIED moderate
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        -----------------------------------------------------------------\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
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        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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        Partnered Communities:\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@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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      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 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
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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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        A Fediverse community for open-ended, thought provoking questions\n
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        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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        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
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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  +root: App\Entity\EntryComment {#4952}
  +body: """
    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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}
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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
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        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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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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        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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    }
    +root: App\Entity\EntryComment {#4952}
    +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?"
    +lang: "en"
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  +root: App\Entity\EntryComment {#4952}
  +body: """
    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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}
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Show voter details
97 DENIED ROLE_USER
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98 DENIED moderate
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      +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
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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
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        ---\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
        \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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +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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  +image: null
  +parent: null
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  +body: """
    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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"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
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"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
101 DENIED edit
App\Entity\Magazine {#265
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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
    ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
    """
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ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\EntryVoter"
ACCESS ABSTAIN
"App\Security\Voter\MagazineVoter"
ACCESS DENIED
"App\Security\Voter\MessageThreadVoter"
ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
ACCESS ABSTAIN
"App\Security\Voter\OAuth2UserConsentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details