GET https://kbin.spritesserver.nl/m/asklemmy@lemmy.world/t/26875/What-s-involved-in-your-budgeting-method/top?p=1

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 …}
}
0.32 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 …}
}
0.06 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 {#2388
  +user: Proxies\__CG__\App\Entity\User {#1943 …}
  +magazine: App\Entity\Magazine {#266
    +icon: Proxies\__CG__\App\Entity\Image {#247 …}
    +name: "asklemmy@lemmy.world"
    +title: "asklemmy"
    +description: """
      A Fediverse community for open-ended, thought provoking questions\n
      -----------------------------------------------------------------\n
      \n
      ---\n
      \n
      **Rules: (interactive)**\n
      ------------------------\n
      \n
      ---\n
      \n
      1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
      \n
      ---\n
      \n
      2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
      \n
      ---\n
      \n
      3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
      \n
      ---\n
      \n
      4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
      \n
      ---\n
      \n
      5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
      \n
      ---\n
      \n
      Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
      \n
      Partnered Communities:\n
      ----------------------\n
      \n
      [Tech Support](/c/techsupport@lemmy.world)\n
      \n
      [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
      \n
      [You Should Know](/c/youshouldknow@lemmy.world)\n
      \n
      [Reddit](/c/reddit@lemmy.world)\n
      \n
      [Jokes](/c/jokes@lemmy.world)\n
      \n
      [Ask Ouija](/c/askouija@lemmy.world)\n
      \n
      ---\n
      \n
      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
      \n
      ---\n
      \n
      ![](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 {#276
      date: 2024-10-22 09:47:25.0 +02:00
    }
    +markedForDeletionAt: null
    +tags: null
    +moderators: Doctrine\ORM\PersistentCollection {#238 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#234 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#223 …}
    +entries: Doctrine\ORM\PersistentCollection {#181 …}
    +posts: Doctrine\ORM\PersistentCollection {#139 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#201 …}
    +bans: Doctrine\ORM\PersistentCollection {#118 …}
    +reports: Doctrine\ORM\PersistentCollection {#104 …}
    +badges: Doctrine\ORM\PersistentCollection {#82 …}
    +logs: Doctrine\ORM\PersistentCollection {#72 …}
    +awards: Doctrine\ORM\PersistentCollection {#61 …}
    +categories: Doctrine\ORM\PersistentCollection {#1820 …}
    -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 {#270
      date: 2024-10-22 09:48:21.0 +02:00
    }
    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#272
      date: 2023-10-13 08:03:47.0 +02:00
    }
  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1912 …}
  +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 {#2410
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1866 …}
  +votes: Doctrine\ORM\PersistentCollection {#1978 …}
  +reports: Doctrine\ORM\PersistentCollection {#1946 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1971 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2443 …}
  +badges: Doctrine\ORM\PersistentCollection {#2426 …}
  +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 {#1850
    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 {#2388
  +user: Proxies\__CG__\App\Entity\User {#1943 …}
  +magazine: App\Entity\Magazine {#266
    +icon: Proxies\__CG__\App\Entity\Image {#247 …}
    +name: "asklemmy@lemmy.world"
    +title: "asklemmy"
    +description: """
      A Fediverse community for open-ended, thought provoking questions\n
      -----------------------------------------------------------------\n
      \n
      ---\n
      \n
      **Rules: (interactive)**\n
      ------------------------\n
      \n
      ---\n
      \n
      1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
      \n
      ---\n
      \n
      2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
      \n
      ---\n
      \n
      3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
      \n
      ---\n
      \n
      4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
      \n
      ---\n
      \n
      5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
      \n
      ---\n
      \n
      Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
      \n
      Partnered Communities:\n
      ----------------------\n
      \n
      [Tech Support](/c/techsupport@lemmy.world)\n
      \n
      [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
      \n
      [You Should Know](/c/youshouldknow@lemmy.world)\n
      \n
      [Reddit](/c/reddit@lemmy.world)\n
      \n
      [Jokes](/c/jokes@lemmy.world)\n
      \n
      [Ask Ouija](/c/askouija@lemmy.world)\n
      \n
      ---\n
      \n
      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
      \n
      ---\n
      \n
      ![](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 {#276
      date: 2024-10-22 09:47:25.0 +02:00
    }
    +markedForDeletionAt: null
    +tags: null
    +moderators: Doctrine\ORM\PersistentCollection {#238 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#234 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#223 …}
    +entries: Doctrine\ORM\PersistentCollection {#181 …}
    +posts: Doctrine\ORM\PersistentCollection {#139 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#201 …}
    +bans: Doctrine\ORM\PersistentCollection {#118 …}
    +reports: Doctrine\ORM\PersistentCollection {#104 …}
    +badges: Doctrine\ORM\PersistentCollection {#82 …}
    +logs: Doctrine\ORM\PersistentCollection {#72 …}
    +awards: Doctrine\ORM\PersistentCollection {#61 …}
    +categories: Doctrine\ORM\PersistentCollection {#1820 …}
    -id: 49
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    +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 {#270
      date: 2024-10-22 09:48:21.0 +02:00
    }
    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#272
      date: 2023-10-13 08:03:47.0 +02:00
    }
  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1912 …}
  +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 {#2410
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1866 …}
  +votes: Doctrine\ORM\PersistentCollection {#1978 …}
  +reports: Doctrine\ORM\PersistentCollection {#1946 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1971 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2443 …}
  +badges: Doctrine\ORM\PersistentCollection {#2426 …}
  +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 {#1850
    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 {#2388
  +user: Proxies\__CG__\App\Entity\User {#1943 …}
  +magazine: App\Entity\Magazine {#266
    +icon: Proxies\__CG__\App\Entity\Image {#247 …}
    +name: "asklemmy@lemmy.world"
    +title: "asklemmy"
    +description: """
      A Fediverse community for open-ended, thought provoking questions\n
      -----------------------------------------------------------------\n
      \n
      ---\n
      \n
      **Rules: (interactive)**\n
      ------------------------\n
      \n
      ---\n
      \n
      1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
      \n
      ---\n
      \n
      2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
      \n
      ---\n
      \n
      3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
      \n
      ---\n
      \n
      4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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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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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        A Fediverse community for open-ended, thought provoking questions\n
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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
        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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    3. It’s easy to tell if my budget is wrong: ie, if an account is building up cash, or doesn’t have enough money, it’s time to revisit the budget.\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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        [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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        Logo design credit goes to: [tubbadu](/u/tubbadu@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
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    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
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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
        ----------------------\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
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        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@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
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    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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        \n
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        \n
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        \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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    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
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    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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        -----------------------------------------------------------------\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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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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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
        \n
        [You Should Know](/c/youshouldknow@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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    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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        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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        [Tech Support](/c/techsupport@lemmy.world)\n
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        [No Stupid Questions](/c/nostupidquestions@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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    \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
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        ------------------------\n
        \n
        ---\n
        \n
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        \n
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        \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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    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
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    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
        ---\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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    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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    \n
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
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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
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        \n
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        \n
        Partnered Communities:\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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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
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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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        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
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@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 don’t really budget, I live alone, and make enough money to support myself and live a decent life.\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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26 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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        ---\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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        [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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      \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 {#266}
  +image: null
  +parent: App\Entity\EntryComment {#4296
    +user: App\Entity\User {#4309 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +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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    +createdAt: DateTimeImmutable @1704259680 {#4292
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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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}
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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
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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
27 DENIED edit
App\Entity\EntryComment {#5129
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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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2024-10-22 09:47:25.0 +02:00
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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 {#1912 …}
    +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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    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +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: 2024-03-24 02:51:21.0 +01:00
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    +ranking: 0
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    +visibility: "visible             "
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704259680 {#4292
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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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    date: 2024-01-03 09:17:09.0 +01:00
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    "@stoy@lemmy.zip"
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  +children: Doctrine\ORM\PersistentCollection {#5131 …}
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
28 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
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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
        ----------------------\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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        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
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    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    +body: """
      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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    "@stoy@lemmy.zip"
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}
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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
Show voter details
29 DENIED ROLE_USER
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"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
30 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
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        ---\n
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        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 {#266}
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      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +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"
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        date: 2024-01-03 06:28:00.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +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 {#4296}
  +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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    date: 2024-01-03 11:12:52.0 +01:00
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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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Show voter details
31 DENIED edit
App\Entity\EntryComment {#5179
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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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2024-10-22 09:48:21.0 +02:00
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    +domain: Proxies\__CG__\App\Entity\Domain {#1912 …}
    +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 {#266}
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    +user: Proxies\__CG__\App\Entity\User {#5130 …}
    +entry: App\Entity\Entry {#2388}
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    +parent: App\Entity\EntryComment {#4296
      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +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"
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      +children: Doctrine\ORM\PersistentCollection {#4297 …}
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      +ranking: 0
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      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4292
        date: 2024-01-03 06:28:00.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +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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      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 {#5131 …}
    +nested: Doctrine\ORM\PersistentCollection {#5133 …}
    +votes: Doctrine\ORM\PersistentCollection {#5135 …}
    +reports: Doctrine\ORM\PersistentCollection {#5137 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5139 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5141 …}
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    +ranking: 0
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    +createdAt: DateTimeImmutable @1704269829 {#5128
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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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    "@stoy@lemmy.zip"
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  +children: Doctrine\ORM\PersistentCollection {#5182 …}
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    date: 2024-01-03 11:12:52.0 +01:00
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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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
"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
32 DENIED moderate
App\Entity\EntryComment {#5179
  +user: App\Entity\User {#4309 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](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
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        date: 2024-10-22 09:47:25.0 +02:00
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      +moderators: Doctrine\ORM\PersistentCollection {#238 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#234 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#223 …}
      +entries: Doctrine\ORM\PersistentCollection {#181 …}
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      +reports: Doctrine\ORM\PersistentCollection {#104 …}
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      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
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      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
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      +apPreferredUsername: "asklemmy"
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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 {#1912 …}
    +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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    +hasEmbed: false
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      date: 2024-03-29 07:28:48.0 +01:00
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    +ip: null
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    +comments: Doctrine\ORM\PersistentCollection {#1866 …}
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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             "
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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5129
    +user: Proxies\__CG__\App\Entity\User {#5130 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#4296
      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +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
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        date: 2024-03-24 02:51:21.0 +01:00
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      +ip: null
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      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4297 …}
      +nested: Doctrine\ORM\PersistentCollection {#4299 …}
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      +ranking: 0
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      +createdAt: DateTimeImmutable @1704259680 {#4292
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4296}
    +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
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      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 {#5131 …}
    +nested: Doctrine\ORM\PersistentCollection {#5133 …}
    +votes: Doctrine\ORM\PersistentCollection {#5135 …}
    +reports: Doctrine\ORM\PersistentCollection {#5137 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5139 …}
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    -id: 275911
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    +ranking: 0
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    +createdAt: DateTimeImmutable @1704269829 {#5128
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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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    "@LesserAbe@lemmy.world"
    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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  +children: Doctrine\ORM\PersistentCollection {#5182 …}
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  -id: 276039
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  +createdAt: DateTimeImmutable @1704276772 {#5175
    date: 2024-01-03 11:12:52.0 +01:00
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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
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ACCESS ABSTAIN
"App\Security\Voter\PostVoter"
ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
33 DENIED ROLE_USER
null
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ACCESS ABSTAIN
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
ACCESS DENIED
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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
34 DENIED moderate
App\Entity\EntryComment {#5247
  +user: Proxies\__CG__\App\Entity\User {#5130 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](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 {#266}
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    +user: App\Entity\User {#4309 …}
    +entry: App\Entity\Entry {#2388}
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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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  +body: "That’s just garbage."
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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
"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
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ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
35 DENIED edit
App\Entity\EntryComment {#5247
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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
    }
  }
  +magazine: App\Entity\Magazine {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5179
    +user: App\Entity\User {#4309 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#5129
      +user: Proxies\__CG__\App\Entity\User {#5130 …}
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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: 2024-03-24 02:51:21.0 +01:00
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          "@LesserAbe@lemmy.world"
        ]
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4296}
      +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 {#4296}
    +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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    -id: 276039
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  +body: "That’s just garbage."
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}
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ACCESS ABSTAIN
"App\Security\Voter\EntryCommentVoter"
ACCESS DENIED
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ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\MessageVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
36 DENIED moderate
App\Entity\EntryComment {#5247
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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 {#266}
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    +user: App\Entity\User {#4309 …}
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    +magazine: App\Entity\Magazine {#266}
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      +user: Proxies\__CG__\App\Entity\User {#5130 …}
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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 {#4296}
      +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 {#5131 …}
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +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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      date: 2024-01-03 11:12:52.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4296}
  +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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}
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Show voter details
37 DENIED ROLE_USER
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38 DENIED moderate
App\Entity\EntryComment {#5279
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    +user: Proxies\__CG__\App\Entity\User {#1943 …}
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      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +domain: Proxies\__CG__\App\Entity\Domain {#1912 …}
    +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 {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5247
    +user: Proxies\__CG__\App\Entity\User {#5130 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#5179
      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +image: null
      +parent: App\Entity\EntryComment {#5129
        +user: Proxies\__CG__\App\Entity\User {#5130 …}
        +entry: App\Entity\Entry {#2388}
        +magazine: App\Entity\Magazine {#266}
        +image: null
        +parent: App\Entity\EntryComment {#4296
          +user: App\Entity\User {#4309 …}
          +entry: App\Entity\Entry {#2388}
          +magazine: App\Entity\Magazine {#266}
          +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"
          ]
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            date: 2024-01-03 06:28:00.0 +01:00
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        }
        +root: App\Entity\EntryComment {#4296}
        +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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          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
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        +children: Doctrine\ORM\PersistentCollection {#5131 …}
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          date: 2024-01-03 09:17:09.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4296}
      +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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        "@stoy@lemmy.zip"
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        date: 2024-01-03 11:12:52.0 +01:00
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    +root: App\Entity\EntryComment {#4296}
    +body: "That’s just garbage."
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  +root: App\Entity\EntryComment {#4296}
  +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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App\Entity\EntryComment {#5279
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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
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        ![](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 {#266}
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  +parent: App\Entity\EntryComment {#5247
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      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
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      +image: null
      +parent: App\Entity\EntryComment {#5129
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          +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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          "@stoy@lemmy.zip"
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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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  +root: App\Entity\EntryComment {#4296}
  +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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ACCESS ABSTAIN
Show voter details
40 DENIED moderate
App\Entity\EntryComment {#5279
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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
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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      +apId: "asklemmy@lemmy.world"
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1912 …}
    +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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    +cross: false
    +upVotes: 0
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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5247
    +user: Proxies\__CG__\App\Entity\User {#5130 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#5179
      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +image: null
      +parent: App\Entity\EntryComment {#5129
        +user: Proxies\__CG__\App\Entity\User {#5130 …}
        +entry: App\Entity\Entry {#2388}
        +magazine: App\Entity\Magazine {#266}
        +image: null
        +parent: App\Entity\EntryComment {#4296
          +user: App\Entity\User {#4309 …}
          +entry: App\Entity\Entry {#2388}
          +magazine: App\Entity\Magazine {#266}
          +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
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            date: 2024-03-24 02:51:21.0 +01:00
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          +ip: null
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            "@LesserAbe@lemmy.world"
          ]
          +children: Doctrine\ORM\PersistentCollection {#4297 …}
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          -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"
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            date: 2024-01-03 06:28:00.0 +01:00
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        }
        +root: App\Entity\EntryComment {#4296}
        +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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        +ip: null
        +tags: null
        +mentions: [
          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
        ]
        +children: Doctrine\ORM\PersistentCollection {#5131 …}
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          date: 2024-01-03 09:17:09.0 +01:00
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      }
      +root: App\Entity\EntryComment {#4296}
      +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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        "@LesserAbe@lemmy.world"
        "@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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      +editedAt: null
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        date: 2024-01-03 11:12:52.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +body: "That’s just garbage."
    +lang: "en"
    +isAdult: false
    +favouriteCount: 1
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    +lastActive: DateTime @1704278608 {#5246
      date: 2024-01-03 11:43:28.0 +01:00
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      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
      "@averagedrunk@lemmy.ml"
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    -id: 276081
    -bodyTs: "'garbag':4"
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    +visibility: "visible             "
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704278608 {#5243
      date: 2024-01-03 11:43:28.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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."
  +lang: "en"
  +isAdult: false
  +favouriteCount: 0
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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  +editedAt: null
  +createdAt: DateTimeImmutable @1704294436 {#5281
    date: 2024-01-03 16:07:16.0 +01:00
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
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"App\Security\Voter\EntryCommentVoter"
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App\Entity\EntryComment {#5197
  +user: Proxies\__CG__\App\Entity\User {#1943 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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        I 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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      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 {#4296}
  +body: "What bank is it that lets you create temporary cards?"
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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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Show voter details
43 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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        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
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        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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      +nested: Doctrine\ORM\PersistentCollection {#4299 …}
      +votes: Doctrine\ORM\PersistentCollection {#4301 …}
      +reports: Doctrine\ORM\PersistentCollection {#4303 …}
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      +notifications: Doctrine\ORM\PersistentCollection {#4307 …}
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      +ranking: 0
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      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4292
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4296}
    +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 {#5131 …}
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    +votes: Doctrine\ORM\PersistentCollection {#5135 …}
    +reports: Doctrine\ORM\PersistentCollection {#5137 …}
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    +ranking: 0
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      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +body: "What bank is it that lets you create temporary cards?"
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    "@stoy@lemmy.zip"
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    date: 2024-01-03 14:25:39.0 +01:00
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}
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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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
44 DENIED moderate
App\Entity\EntryComment {#5197
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    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
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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 {#238 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#234 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#223 …}
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      -id: 49
      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
      +apPublicUrl: "https://lemmy.world/c/asklemmy"
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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 {#1912 …}
    +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"
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    +hasEmbed: false
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    +ip: null
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    +comments: Doctrine\ORM\PersistentCollection {#1866 …}
    +votes: Doctrine\ORM\PersistentCollection {#1978 …}
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    -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 {#1850
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5129
    +user: Proxies\__CG__\App\Entity\User {#5130 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#4296
      +user: App\Entity\User {#4309 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +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
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        date: 2024-03-24 02:51:21.0 +01:00
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      +ip: null
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        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4297 …}
      +nested: Doctrine\ORM\PersistentCollection {#4299 …}
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      +ranking: 0
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      +visibility: "visible             "
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      +createdAt: DateTimeImmutable @1704259680 {#4292
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4296}
    +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
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      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 {#5131 …}
    +nested: Doctrine\ORM\PersistentCollection {#5133 …}
    +votes: Doctrine\ORM\PersistentCollection {#5135 …}
    +reports: Doctrine\ORM\PersistentCollection {#5137 …}
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    +notifications: Doctrine\ORM\PersistentCollection {#5141 …}
    -id: 275911
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    +ranking: 0
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    +createdAt: DateTimeImmutable @1704269829 {#5128
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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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}
"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
45 DENIED ROLE_USER
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Show voter details
46 DENIED moderate
App\Entity\EntryComment {#5265
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    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](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 {#1912 …}
    +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 {#266}
  +image: null
  +parent: App\Entity\EntryComment {#5197
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +entry: App\Entity\Entry {#2388}
    +magazine: App\Entity\Magazine {#266}
    +image: null
    +parent: App\Entity\EntryComment {#5129
      +user: Proxies\__CG__\App\Entity\User {#5130 …}
      +entry: App\Entity\Entry {#2388}
      +magazine: App\Entity\Magazine {#266}
      +image: null
      +parent: App\Entity\EntryComment {#4296
        +user: App\Entity\User {#4309 …}
        +entry: App\Entity\Entry {#2388}
        +magazine: App\Entity\Magazine {#266}
        +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 {#4297 …}
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        +ranking: 0
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        +createdAt: DateTimeImmutable @1704259680 {#4292
          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4296}
      +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 {#5127
        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 {#5131 …}
      +nested: Doctrine\ORM\PersistentCollection {#5133 …}
      +votes: Doctrine\ORM\PersistentCollection {#5135 …}
      +reports: Doctrine\ORM\PersistentCollection {#5137 …}
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      -id: 275911
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
    +isAdult: false
    +favouriteCount: 1
    +score: 0
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      date: 2024-01-03 14:25:39.0 +01:00
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      "@LesserAbe@lemmy.world"
      "@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 {#4296}
  +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"
  +isAdult: false
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    date: 2024-01-03 15:50:11.0 +01:00
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}
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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
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details
47 DENIED edit
App\Entity\EntryComment {#5265
  +user: Proxies\__CG__\App\Entity\User {#5130 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](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 {#266}
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    +user: Proxies\__CG__\App\Entity\User {#1943 …}
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      +user: Proxies\__CG__\App\Entity\User {#5130 …}
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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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        "@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 {#4296}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
    +isAdult: false
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      "@averagedrunk@lemmy.ml"
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  }
  +root: App\Entity\EntryComment {#4296}
  +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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ACCESS DENIED
"App\Security\Voter\EntryVoter"
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ACCESS ABSTAIN
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Show voter details
48 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
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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
        ---\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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        +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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        +children: Doctrine\ORM\PersistentCollection {#4297 …}
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4296}
      +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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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4296}
    +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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    +children: Doctrine\ORM\PersistentCollection {#5198 …}
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    -bodyTs: "'bank':2 'card':10 'creat':8 'let':6 'temporari':9"
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      date: 2024-01-03 14:25:39.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4296}
  +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"
  +isAdult: false
  +favouriteCount: 0
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    date: 2024-01-03 15:50:11.0 +01:00
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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  +children: Doctrine\ORM\PersistentCollection {#5266 …}
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    date: 2024-01-03 15:50:11.0 +01:00
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}
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Show voter details
49 DENIED ROLE_USER
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50 DENIED moderate
App\Entity\EntryComment {#4369
  +user: App\Entity\User {#4382 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2024-10-22 09:47:25.0 +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 {#1912 …}
    +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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  }
  +magazine: App\Entity\Magazine {#266}
  +image: null
  +parent: null
  +root: null
  +body: """
    None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
    \n
    I don’t have a car, and instead bike everywhere or use public transport which saves me a lot of money. This is again a privilege, because I managed to land an affordable place to live that’s close to work.\n
    \n
    My only way of keeping track of all this is the division between my payment and savings accounts. If my payment account goes above a certain value, I move money to my savings account. As long as this keeps happening regularly, like it has for years, I have nothing to worry about. Obviously I do check the details of my spending every now and then, but nothing organised.
    """
  +lang: "en"
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}
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Show voter details
51 DENIED edit
App\Entity\EntryComment {#4369
  +user: App\Entity\User {#4382 …}
  +entry: App\Entity\Entry {#2388
    +user: Proxies\__CG__\App\Entity\User {#1943 …}
    +magazine: App\Entity\Magazine {#266
      +icon: Proxies\__CG__\App\Entity\Image {#247 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
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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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    None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
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        A Fediverse community for open-ended, thought provoking questions\n
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        \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
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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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
        \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
        \n
        [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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    None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
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54 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
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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
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \n
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        \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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        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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        ------------------------\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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        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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        [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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        [Reddit](/c/reddit@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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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
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        \n
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        \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
        \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
        \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 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
    \n
    We also have recurring transfers to savings and to individual accounts for “fluff” spending.
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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
        \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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        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\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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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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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
        \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
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
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        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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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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        **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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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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    Ultimately, the best approach is the one that works best psychologically for you.\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
        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
        \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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        \n
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        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\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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    Husband has irregular income. Like you I do a spreadsheet with the dollars all allocated for my income plus what he tells me he expects on average.\n
    \n
    Then each month I compare to actual results, and use that information to get a better estimate for the next year.\n
    \n
    The black hole is credit card repayment because it was spent on something but goes in as debt repayment but we are working on that.\n
    \n
    ETA: also do forecasting bank balance by day in months when things are tight. We do have savings but most of it in retirement accounts.
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        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
        \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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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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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
        \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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Show voter details
83 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
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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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        [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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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\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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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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  +body: "just a spreadsheet, every paycheck gets a row. I write in how much to savings, spending, etc. then how much I spent of last paycheck. make sure everything lines up with what bank acct is at. works pretty okay for me"
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        \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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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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  +body: "We pay bills, rent, get food (all generic and heavy sales) then the money is gone. Its a good month if we have 20$ at the end of the month, thats how we budget, by having no money. Donated a decent amount to medical aid for Ukraine and ate plain rice most of that month, priorities"
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        \n
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        ------------------------\n
        \n
        ---\n
        \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
        \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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        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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        ---\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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      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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99 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
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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
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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 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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        ---\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
        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
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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 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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102 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
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \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
        \n
        [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
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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
      \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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    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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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@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 mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
        \n
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    They have “Pots” that you can manually move money to, or have money moved to them every time you get paid, or move money to them on a set schedule.\n
    \n
    You can link your other bank accounts and credit cards, and have money moved to a “credit card pot” automatically to cover your credit card bills.\n
    \n
    [monzo.com/us/money/see-it-all/](https://monzo.com/us/money/see-it-all/)
    """
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        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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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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        [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 think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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        I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
        \n
        I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
        """
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    +body: "I previously had Simple, and One before that, but banks don’t seem to like the buckets/pots/envelopes paradigm. You said Monzo is working towards it, what does that look like currently?"
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    They have “Pots” that you can manually move money to, or have money moved to them every time you get paid, or move money to them on a set schedule.\n
    \n
    You can link your other bank accounts and credit cards, and have money moved to a “credit card pot” automatically to cover your credit card bills.\n
    \n
    [monzo.com/us/money/see-it-all/](https://monzo.com/us/money/see-it-all/)
    """
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        -----------------------------------------------------------------\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
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \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
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        \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 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
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    \n
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ACCESS ABSTAIN
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ACCESS ABSTAIN
Show voter details
109 DENIED edit
App\Entity\Magazine {#266
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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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    [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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ACCESS ABSTAIN
"App\Security\Voter\NotificationVoter"
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"App\Security\Voter\OAuth2UserConsentVoter"
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"App\Security\Voter\PostCommentVoter"
ACCESS ABSTAIN
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ACCESS ABSTAIN
"App\Security\Voter\UserVoter"
ACCESS ABSTAIN
Show voter details