Redirect 302 redirect from GET @entry_comment_create (d2be75)

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

Response
200 OK
IP
216.73.216.136
Profiled on
Token
b143fa

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 …}
}
 2.14 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 …}
}
 0.05 ms (none) 
Symfony\Component\Security\Http\Firewall\AccessListener {#579
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage {#1018 …}
  -accessDecisionManager: Symfony\Component\Security\Core\Authorization\TraceableAccessDecisionManager {#937 …}
  -map: Symfony\Component\Security\Http\AccessMap {#722 …}
}
 0.00 ms (none) 
Symfony\Component\Security\Http\Firewall\LogoutListener {#786
  -tokenStorage: Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage {#1018 …}
  -options: [
    "csrf_parameter" => "_csrf_token"
    "csrf_token_id" => "logout"
    "logout_path" => "app_logout"
  ]
  -httpUtils: Symfony\Component\Security\Http\HttpUtils {#841 …}
  -csrfTokenManager: Symfony\Component\Security\Csrf\CsrfTokenManager {#1015 …}
  -eventDispatcher: Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher {#747 …}
}
 0.00 ms (none)

Authenticators

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

Access Decision

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

Access decision log

# Result Attributes Object
1 DENIED ROLE_USER 
null
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
2 DENIED moderate 
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
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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)
      """
    +rules: null
    +subscriptionsCount: 1
    +entryCount: 1179
    +entryCommentCount: 42676
    +postCount: 3
    +postCommentCount: 67
    +isAdult: false
    +customCss: null
    +lastActive: DateTime @1729583245 {#275
      date: 2024-10-22 09:47:25.0 +02:00
    }
    +markedForDeletionAt: null
    +tags: null
    +moderators: Doctrine\ORM\PersistentCollection {#237 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
    +entries: Doctrine\ORM\PersistentCollection {#180 …}
    +posts: Doctrine\ORM\PersistentCollection {#138 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
    +bans: Doctrine\ORM\PersistentCollection {#117 …}
    +reports: Doctrine\ORM\PersistentCollection {#103 …}
    +badges: Doctrine\ORM\PersistentCollection {#81 …}
    +logs: Doctrine\ORM\PersistentCollection {#71 …}
    +awards: Doctrine\ORM\PersistentCollection {#1346 …}
    +categories: Doctrine\ORM\PersistentCollection {#1823 …}
    -id: 49
    +apId: "asklemmy@lemmy.world"
    +apProfileId: "https://lemmy.world/c/asklemmy"
    +apPublicUrl: "https://lemmy.world/c/asklemmy"
    +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
    +apInboxUrl: "https://lemmy.world/inbox"
    +apDomain: "lemmy.world"
    +apPreferredUsername: "asklemmy"
    +apDiscoverable: true
    +apManuallyApprovesFollowers: null
    +privateKey: null
    +publicKey: null
    +apFetchedAt: DateTime @1729583301 {#269
      date: 2024-10-22 09:48:21.0 +02:00
    }
    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#271
      date: 2023-10-13 08:03:47.0 +02:00
    }
  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
  +slug: "What-s-involved-in-your-budgeting-method"
  +title: "What's involved in your budgeting method?"
  +url: null
  +body: """
    I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
    \n
    What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
    \n
    I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
    """
  +type: "article"
  +lang: "en"
  +isOc: false
  +hasEmbed: false
  +commentCount: 34
  +favouriteCount: 89
  +score: 0
  +isAdult: false
  +sticky: false
  +lastActive: DateTime @1711693728 {#2414
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1884 …}
  +votes: Doctrine\ORM\PersistentCollection {#1973 …}
  +reports: Doctrine\ORM\PersistentCollection {#1959 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
  +badges: Doctrine\ORM\PersistentCollection {#2440 …}
  +children: []
  -id: 26875
  -titleTs: "'budget':6 'involv':3 'method':7"
  -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
  +cross: false
  +upVotes: 0
  +downVotes: 0
  +ranking: 1704341726
  +visibility: "visible             "
  +apId: "https://lemmy.world/post/10257042"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704255326 {#1793
    date: 2024-01-03 05:15:26.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryVoter"
 ACCESS DENIED 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
3 DENIED edit 
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
    +name: "asklemmy@lemmy.world"
    +title: "asklemmy"
    +description: """
      A Fediverse community for open-ended, thought provoking questions\n
      -----------------------------------------------------------------\n
      \n
      ---\n
      \n
      **Rules: (interactive)**\n
      ------------------------\n
      \n
      ---\n
      \n
      1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
      \n
      ---\n
      \n
      2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
      \n
      ---\n
      \n
      3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
      \n
      ---\n
      \n
      4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
      \n
      ---\n
      \n
      5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
      \n
      ---\n
      \n
      Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
      \n
      Partnered Communities:\n
      ----------------------\n
      \n
      [Tech Support](/c/techsupport@lemmy.world)\n
      \n
      [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
      \n
      [You Should Know](/c/youshouldknow@lemmy.world)\n
      \n
      [Reddit](/c/reddit@lemmy.world)\n
      \n
      [Jokes](/c/jokes@lemmy.world)\n
      \n
      [Ask Ouija](/c/askouija@lemmy.world)\n
      \n
      ---\n
      \n
      Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
      \n
      ---\n
      \n
      ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
      """
    +rules: null
    +subscriptionsCount: 1
    +entryCount: 1179
    +entryCommentCount: 42676
    +postCount: 3
    +postCommentCount: 67
    +isAdult: false
    +customCss: null
    +lastActive: DateTime @1729583245 {#275
      date: 2024-10-22 09:47:25.0 +02:00
    }
    +markedForDeletionAt: null
    +tags: null
    +moderators: Doctrine\ORM\PersistentCollection {#237 …}
    +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
    +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
    +entries: Doctrine\ORM\PersistentCollection {#180 …}
    +posts: Doctrine\ORM\PersistentCollection {#138 …}
    +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
    +bans: Doctrine\ORM\PersistentCollection {#117 …}
    +reports: Doctrine\ORM\PersistentCollection {#103 …}
    +badges: Doctrine\ORM\PersistentCollection {#81 …}
    +logs: Doctrine\ORM\PersistentCollection {#71 …}
    +awards: Doctrine\ORM\PersistentCollection {#1346 …}
    +categories: Doctrine\ORM\PersistentCollection {#1823 …}
    -id: 49
    +apId: "asklemmy@lemmy.world"
    +apProfileId: "https://lemmy.world/c/asklemmy"
    +apPublicUrl: "https://lemmy.world/c/asklemmy"
    +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
    +apInboxUrl: "https://lemmy.world/inbox"
    +apDomain: "lemmy.world"
    +apPreferredUsername: "asklemmy"
    +apDiscoverable: true
    +apManuallyApprovesFollowers: null
    +privateKey: null
    +publicKey: null
    +apFetchedAt: DateTime @1729583301 {#269
      date: 2024-10-22 09:48:21.0 +02:00
    }
    +apDeletedAt: null
    +apTimeoutAt: null
    +visibility: "visible             "
    +createdAt: DateTimeImmutable @1697177027 {#271
      date: 2023-10-13 08:03:47.0 +02:00
    }
  }
  +image: null
  +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
  +slug: "What-s-involved-in-your-budgeting-method"
  +title: "What's involved in your budgeting method?"
  +url: null
  +body: """
    I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
    \n
    What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
    \n
    I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
    """
  +type: "article"
  +lang: "en"
  +isOc: false
  +hasEmbed: false
  +commentCount: 34
  +favouriteCount: 89
  +score: 0
  +isAdult: false
  +sticky: false
  +lastActive: DateTime @1711693728 {#2414
    date: 2024-03-29 07:28:48.0 +01:00
  }
  +ip: null
  +adaAmount: 0
  +tags: null
  +mentions: null
  +comments: Doctrine\ORM\PersistentCollection {#1884 …}
  +votes: Doctrine\ORM\PersistentCollection {#1973 …}
  +reports: Doctrine\ORM\PersistentCollection {#1959 …}
  +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
  +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
  +badges: Doctrine\ORM\PersistentCollection {#2440 …}
  +children: []
  -id: 26875
  -titleTs: "'budget':6 'involv':3 'method':7"
  -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
  +cross: false
  +upVotes: 0
  +downVotes: 0
  +ranking: 1704341726
  +visibility: "visible             "
  +apId: "https://lemmy.world/post/10257042"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704255326 {#1793
    date: 2024-01-03 05:15:26.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryVoter"
 ACCESS DENIED 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
4 DENIED moderate 
App\Entity\Entry {#2419
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +magazine: App\Entity\Magazine {#265
    +icon: Proxies\__CG__\App\Entity\Image {#246 …}
    +name: "asklemmy@lemmy.world"
    +title: "asklemmy"
    +description: """
      A Fediverse community for open-ended, thought provoking questions\n
      -----------------------------------------------------------------\n
      \n
      ---\n
      \n
      **Rules: (interactive)**\n
      ------------------------\n
      \n
      ---\n
      \n
      1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
      \n
      ---\n
      \n
      2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
      \n
      ---\n
      \n
      3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
      \n
      ---\n
      \n
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        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
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        [Tech Support](/c/techsupport@lemmy.world)\n
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        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \n
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        \n
        ---\n
        \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
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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 
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 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
13 DENIED ROLE_USER 
null
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"Symfony\Component\Security\Core\Authorization\Voter\RoleHierarchyVoter"
 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
14 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
        \n
        ---\n
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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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      \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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"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
15 DENIED edit 
App\Entity\EntryComment {#5227
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
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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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 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
17 DENIED ROLE_USER 
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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
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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
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        [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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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
19 DENIED edit 
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        A Fediverse community for open-ended, thought provoking questions\n
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        \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
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
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        \n
        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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      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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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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    I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
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 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
20 DENIED moderate 
App\Entity\EntryComment {#4057
  +user: App\Entity\User {#4046 …}
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
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      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
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    +title: "What's involved in your budgeting method?"
    +url: null
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: null
  +root: null
  +body: """
    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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  +createdAt: DateTimeImmutable @1704281800 {#4068
    date: 2024-01-03 12:36:40.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
21 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
22 DENIED moderate 
App\Entity\EntryComment {#5144
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#4057
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    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: null
    +root: null
    +body: """
      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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      date: 2024-01-03 12:36:40.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4057}
  +body: "I previously had Simple, and One before that, but banks don’t seem to like the buckets/pots/envelopes paradigm. You said Monzo is working towards it, what does that look like currently?"
  +lang: "en"
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    "@jcrabapple@infosec.pub"
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 ACCESS ABSTAIN 
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 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
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 ACCESS ABSTAIN 
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 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 
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 ACCESS ABSTAIN
Show voter details
23 DENIED edit 
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        A Fediverse community for open-ended, thought provoking questions\n
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        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
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        \n
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        \n
        ---\n
        \n
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        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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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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        [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 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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 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
24 DENIED moderate 
App\Entity\EntryComment {#5144
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
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      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
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        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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      I 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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        ---\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
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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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        [Tech Support](/c/techsupport@lemmy.world)\n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
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      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
        **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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        \n
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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        I mostly use the envelope method. My parents used literal envelopes when I was growing up, and somewhat early in my adulthood and in my career I came upon the online bank Simple. That bank changed the way I look at finances and saving money. So I still do it the way they taught me to do it.\n
        \n
        I now use a bank called Monzo, and they are working toward building in a very similar budgeting method to Simple, with “Pots” instead of envelopes, that automatically get filled with money every paycheck.
        """
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    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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28 DENIED moderate 
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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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        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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        [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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      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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      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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 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 
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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 
null
 
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 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
30 DENIED moderate 
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        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        \n
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        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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    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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 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
31 DENIED edit 
App\Entity\EntryComment {#4144
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      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
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        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
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        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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    I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
    \n
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    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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        ---\n
        \n
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        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        \n
        ---\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
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        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [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 don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
    \n
    But I do have a few rules:\n
    \n
    1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
    2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
    3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
    """
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Show voter details
33 DENIED ROLE_USER 
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Show voter details
34 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
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        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [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
        \n
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        \n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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      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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      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
    +lang: "en"
    +isAdult: false
    +favouriteCount: 6
    +score: 0
    +lastActive: DateTime @1711245081 {#4139
      date: 2024-03-24 02:51:21.0 +01:00
    }
    +ip: null
    +tags: null
    +mentions: [
      "@LesserAbe@lemmy.world"
    ]
    +children: Doctrine\ORM\PersistentCollection {#4145 …}
    +nested: Doctrine\ORM\PersistentCollection {#4147 …}
    +votes: Doctrine\ORM\PersistentCollection {#4149 …}
    +reports: Doctrine\ORM\PersistentCollection {#4151 …}
    +favourites: Doctrine\ORM\PersistentCollection {#4153 …}
    +notifications: Doctrine\ORM\PersistentCollection {#4155 …}
    -id: 275721
    -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
    +ranking: 0
    +commentCount: 0
    +upVotes: 0
    +downVotes: 0
    +visibility: "visible             "
    +apId: "https://lemmy.zip/comment/5930245"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704259680 {#4140
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +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 {#5126
    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 {#5130 …}
  +nested: Doctrine\ORM\PersistentCollection {#5132 …}
  +votes: Doctrine\ORM\PersistentCollection {#5134 …}
  +reports: Doctrine\ORM\PersistentCollection {#5136 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5138 …}
  +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
  -id: 275911
  -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
  +ranking: 0
  +commentCount: 0
  +upVotes: 0
  +downVotes: 0
  +visibility: "visible             "
  +apId: "https://lemmy.ml/comment/7035209"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704269829 {#5127
    date: 2024-01-03 09:17:09.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
35 DENIED edit 
App\Entity\EntryComment {#5128
  +user: Proxies\__CG__\App\Entity\User {#5129 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
      +postCommentCount: 67
      +isAdult: false
      +customCss: null
      +lastActive: DateTime @1729583245 {#275
        date: 2024-10-22 09:47:25.0 +02:00
      }
      +markedForDeletionAt: null
      +tags: null
      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
      +entries: Doctrine\ORM\PersistentCollection {#180 …}
      +posts: Doctrine\ORM\PersistentCollection {#138 …}
      +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
      +bans: Doctrine\ORM\PersistentCollection {#117 …}
      +reports: Doctrine\ORM\PersistentCollection {#103 …}
      +badges: Doctrine\ORM\PersistentCollection {#81 …}
      +logs: Doctrine\ORM\PersistentCollection {#71 …}
      +awards: Doctrine\ORM\PersistentCollection {#1346 …}
      +categories: Doctrine\ORM\PersistentCollection {#1823 …}
      -id: 49
      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
      +apPublicUrl: "https://lemmy.world/c/asklemmy"
      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
      +apDomain: "lemmy.world"
      +apPreferredUsername: "asklemmy"
      +apDiscoverable: true
      +apManuallyApprovesFollowers: null
      +privateKey: null
      +publicKey: null
      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
      }
      +apDeletedAt: null
      +apTimeoutAt: null
      +visibility: "visible             "
      +createdAt: DateTimeImmutable @1697177027 {#271
        date: 2023-10-13 08:03:47.0 +02:00
      }
    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
    +type: "article"
    +lang: "en"
    +isOc: false
    +hasEmbed: false
    +commentCount: 34
    +favouriteCount: 89
    +score: 0
    +isAdult: false
    +sticky: false
    +lastActive: DateTime @1711693728 {#2414
      date: 2024-03-29 07:28:48.0 +01:00
    }
    +ip: null
    +adaAmount: 0
    +tags: null
    +mentions: null
    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
    +votes: Doctrine\ORM\PersistentCollection {#1973 …}
    +reports: Doctrine\ORM\PersistentCollection {#1959 …}
    +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
    +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
    +badges: Doctrine\ORM\PersistentCollection {#2440 …}
    +children: []
    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
    -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#4144
    +user: App\Entity\User {#4157 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: null
    +root: null
    +body: """
      I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
      \n
      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
    +lang: "en"
    +isAdult: false
    +favouriteCount: 6
    +score: 0
    +lastActive: DateTime @1711245081 {#4139
      date: 2024-03-24 02:51:21.0 +01:00
    }
    +ip: null
    +tags: null
    +mentions: [
      "@LesserAbe@lemmy.world"
    ]
    +children: Doctrine\ORM\PersistentCollection {#4145 …}
    +nested: Doctrine\ORM\PersistentCollection {#4147 …}
    +votes: Doctrine\ORM\PersistentCollection {#4149 …}
    +reports: Doctrine\ORM\PersistentCollection {#4151 …}
    +favourites: Doctrine\ORM\PersistentCollection {#4153 …}
    +notifications: Doctrine\ORM\PersistentCollection {#4155 …}
    -id: 275721
    -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
    +ranking: 0
    +commentCount: 0
    +upVotes: 0
    +downVotes: 0
    +visibility: "visible             "
    +apId: "https://lemmy.zip/comment/5930245"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704259680 {#4140
      date: 2024-01-03 06:28:00.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +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 {#5126
    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 {#5130 …}
  +nested: Doctrine\ORM\PersistentCollection {#5132 …}
  +votes: Doctrine\ORM\PersistentCollection {#5134 …}
  +reports: Doctrine\ORM\PersistentCollection {#5136 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5138 …}
  +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
  -id: 275911
  -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
  +ranking: 0
  +commentCount: 0
  +upVotes: 0
  +downVotes: 0
  +visibility: "visible             "
  +apId: "https://lemmy.ml/comment/7035209"
  +editedAt: null
  +createdAt: DateTimeImmutable @1704269829 {#5127
    date: 2024-01-03 09:17:09.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
36 DENIED moderate 
App\Entity\EntryComment {#5128
  +user: Proxies\__CG__\App\Entity\User {#5129 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    +body: """
      I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
      \n
      But I do have a few rules:\n
      \n
      1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
      2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
      3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
      """
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    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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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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38 DENIED moderate 
App\Entity\EntryComment {#5178
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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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    +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 {#265}
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    +user: Proxies\__CG__\App\Entity\User {#5129 …}
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      +magazine: App\Entity\Magazine {#265}
      +image: null
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        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
      +favouriteCount: 6
      +score: 0
      +lastActive: DateTime @1711245081 {#4139
        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4145 …}
      +nested: Doctrine\ORM\PersistentCollection {#4147 …}
      +votes: Doctrine\ORM\PersistentCollection {#4149 …}
      +reports: Doctrine\ORM\PersistentCollection {#4151 …}
      +favourites: Doctrine\ORM\PersistentCollection {#4153 …}
      +notifications: Doctrine\ORM\PersistentCollection {#4155 …}
      -id: 275721
      -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
      +ranking: 0
      +commentCount: 0
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      +downVotes: 0
      +visibility: "visible             "
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      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4140
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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
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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 {#5130 …}
    +nested: Doctrine\ORM\PersistentCollection {#5132 …}
    +votes: Doctrine\ORM\PersistentCollection {#5134 …}
    +reports: Doctrine\ORM\PersistentCollection {#5136 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5138 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
    -id: 275911
    -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
    +ranking: 0
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    +createdAt: DateTimeImmutable @1704269829 {#5127
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
  +lang: "en"
  +isAdult: false
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    date: 2024-01-03 11:12:52.0 +01:00
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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  -id: 276039
  -bodyTs: "'access':21 'allow':4 'card':24 'crap':27 'favour':10 'internet':20 'remov':7 'switch':14 'turn':16 'use':2"
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    date: 2024-01-03 11:12:52.0 +01:00
  }
}
 
"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
39 DENIED edit 
App\Entity\EntryComment {#5178
  +user: App\Entity\User {#4157 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
      +postCommentCount: 67
      +isAdult: false
      +customCss: null
      +lastActive: DateTime @1729583245 {#275
        date: 2024-10-22 09:47:25.0 +02:00
      }
      +markedForDeletionAt: null
      +tags: null
      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
      +entries: Doctrine\ORM\PersistentCollection {#180 …}
      +posts: Doctrine\ORM\PersistentCollection {#138 …}
      +subscriptions: Doctrine\ORM\PersistentCollection {#200 …}
      +bans: Doctrine\ORM\PersistentCollection {#117 …}
      +reports: Doctrine\ORM\PersistentCollection {#103 …}
      +badges: Doctrine\ORM\PersistentCollection {#81 …}
      +logs: Doctrine\ORM\PersistentCollection {#71 …}
      +awards: Doctrine\ORM\PersistentCollection {#1346 …}
      +categories: Doctrine\ORM\PersistentCollection {#1823 …}
      -id: 49
      +apId: "asklemmy@lemmy.world"
      +apProfileId: "https://lemmy.world/c/asklemmy"
      +apPublicUrl: "https://lemmy.world/c/asklemmy"
      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
      +apDomain: "lemmy.world"
      +apPreferredUsername: "asklemmy"
      +apDiscoverable: true
      +apManuallyApprovesFollowers: null
      +privateKey: null
      +publicKey: null
      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
      }
      +apDeletedAt: null
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      +visibility: "visible             "
      +createdAt: DateTimeImmutable @1697177027 {#271
        date: 2023-10-13 08:03:47.0 +02:00
      }
    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
    +type: "article"
    +lang: "en"
    +isOc: false
    +hasEmbed: false
    +commentCount: 34
    +favouriteCount: 89
    +score: 0
    +isAdult: false
    +sticky: false
    +lastActive: DateTime @1711693728 {#2414
      date: 2024-03-29 07:28:48.0 +01:00
    }
    +ip: null
    +adaAmount: 0
    +tags: null
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    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
    +votes: Doctrine\ORM\PersistentCollection {#1973 …}
    +reports: Doctrine\ORM\PersistentCollection {#1959 …}
    +favourites: Doctrine\ORM\PersistentCollection {#1927 …}
    +notifications: Doctrine\ORM\PersistentCollection {#2442 …}
    +badges: Doctrine\ORM\PersistentCollection {#2440 …}
    +children: []
    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
    -bodyTs: "'/article/finance/how-to-choose-the-right-budget-system)':51 'appreci':28 'articl':48 'assign':65 'avoid':101 'back':36 'balanc':88,99,122 'base':59 'big':131 'budget':3,42,60 'coupl':107 'cross':112 'current':87 'didn':26 'dollar':63 'end':71 'especi':125 'everi':62 'exact':74 'expect':91 'expens':92,114 'financ':6 'futur':98 'general':23 'go':102 'help':126 'idea':24 'incom':135 'irregular':137 'keep':81 'knew':21 'life':17 'list':52,85 'method':55 'month':110,138,140 'much':30 'multipl':11 'neglect':31 'paid':118 'plan':77 'point':46 'portion':132 'practic':5 'process':40 'purpos':67 'red':105 'see':96 'set':34 'spreadsheet':83 'stage':12 'start':45 'stick':73 'student':15 'taught':9 'think':2 'thought':19 'throughout':13 'time':108 'updat':120 'use':57 'would':33 'www.nerdwallet.com':50 'www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system)':49 'zero':58"
    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5128
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4144
      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
      +favouriteCount: 6
      +score: 0
      +lastActive: DateTime @1711245081 {#4139
        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4145 …}
      +nested: Doctrine\ORM\PersistentCollection {#4147 …}
      +votes: Doctrine\ORM\PersistentCollection {#4149 …}
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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"
      +ranking: 0
      +commentCount: 0
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      +downVotes: 0
      +visibility: "visible             "
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      +editedAt: null
      +createdAt: DateTimeImmutable @1704259680 {#4140
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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 {#5126
      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 {#5130 …}
    +nested: Doctrine\ORM\PersistentCollection {#5132 …}
    +votes: Doctrine\ORM\PersistentCollection {#5134 …}
    +reports: Doctrine\ORM\PersistentCollection {#5136 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5138 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
    -id: 275911
    -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
    +ranking: 0
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704269829 {#5127
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
  +lang: "en"
  +isAdult: false
  +favouriteCount: 3
  +score: 0
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    date: 2024-01-03 11:12:52.0 +01:00
  }
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
  ]
  +children: Doctrine\ORM\PersistentCollection {#5181 …}
  +nested: Doctrine\ORM\PersistentCollection {#5186 …}
  +votes: Doctrine\ORM\PersistentCollection {#5182 …}
  +reports: Doctrine\ORM\PersistentCollection {#5188 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5190 …}
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}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
40 DENIED moderate 
App\Entity\EntryComment {#5178
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
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        date: 2023-10-13 08:03:47.0 +02:00
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    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5128
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
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    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4144
      +user: App\Entity\User {#4157 …}
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      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
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      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
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        date: 2024-01-03 06:28:00.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4144}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
    ]
    +children: Doctrine\ORM\PersistentCollection {#5130 …}
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  }
  +root: App\Entity\EntryComment {#4144}
  +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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}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
41 DENIED ROLE_USER 
null
 
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 ACCESS ABSTAIN 
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 ACCESS DENIED 
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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\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
42 DENIED moderate 
App\Entity\EntryComment {#5246
  +user: Proxies\__CG__\App\Entity\User {#5129 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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    +user: App\Entity\User {#4157 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
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        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          date: 2024-01-03 06:28:00.0 +01:00
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      }
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      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4144}
    +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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  }
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  +body: "That’s just garbage."
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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
43 DENIED edit 
App\Entity\EntryComment {#5246
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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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        +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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        +nested: Doctrine\ORM\PersistentCollection {#4147 …}
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        +reports: Doctrine\ORM\PersistentCollection {#4151 …}
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        +notifications: Doctrine\ORM\PersistentCollection {#4155 …}
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        -bodyTs: "'1':28 '2':102 '3':134 'accept':138 'activ':67 'afford':119 'alon':8 'app':48 'appl':45 'away':159 'big':100 'budget':5 'buy':58,79,108,125,148,197 'card':60 'charg':83 'contribut':101 'credit':62 'decent':19 'disney':43 'economi':95 'enough':11 'even':127 'expens':109,131 'fast':150,166 'felt':162 'first':133 'flightradar24':49 'game':51 'geoguessr':52 'give':105 'hbo':41 'impuls':107 'kind':35 'life':20 'live':7,17 'make':10 'mani':91 'media':40 'money':12,116 'music':46 'need':192 'netflix':42 'never':31,78 'peopl':92 'period':72 'possibl':152 'prepaid':59 'price':188 'push':171 'qualliti':126 'realli':4 'recur':82 'ruin':93 'rule':27 'sale':142,168 'seen':89 'seldom':104 'seller':140 'servic':65,86 'set':32,71 'spotifi':44 'stress':144 'stuff':110 'subscript':37,97 'support':14 'system':143 'thing':182 'think':178 'tidal':47 'time':74,176 'uncomfort':163 'vesselfind':50 'walk':158 'want':173 'worth':184"
        +ranking: 0
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        +visibility: "visible             "
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        +editedAt: null
        +createdAt: DateTimeImmutable @1704259680 {#4140
          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4144}
      +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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        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
      ]
      +children: Doctrine\ORM\PersistentCollection {#5130 …}
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        date: 2024-01-03 09:17:09.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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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    -id: 276039
    -bodyTs: "'access':21 'allow':4 'card':24 'crap':27 'favour':10 'internet':20 'remov':7 'switch':14 'turn':16 'use':2"
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      date: 2024-01-03 11:12:52.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4144}
  +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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}
 
"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
44 DENIED moderate 
App\Entity\EntryComment {#5246
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
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        date: 2024-10-22 09:47:25.0 +02:00
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      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
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        date: 2024-10-22 09:48:21.0 +02:00
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
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      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5178
    +user: App\Entity\User {#4157 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5128
      +user: Proxies\__CG__\App\Entity\User {#5129 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4144
        +user: App\Entity\User {#4157 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
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        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
        +lang: "en"
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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 {#4145 …}
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4144}
      +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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        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
      ]
      +children: Doctrine\ORM\PersistentCollection {#5130 …}
      +nested: Doctrine\ORM\PersistentCollection {#5132 …}
      +votes: Doctrine\ORM\PersistentCollection {#5134 …}
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      -id: 275911
      -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
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        date: 2024-01-03 09:17:09.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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"
      "@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 {#4144}
  +body: "That’s just garbage."
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}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
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Show voter details
45 DENIED ROLE_USER 
null
 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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46 DENIED moderate 
App\Entity\EntryComment {#5278
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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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    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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      date: 2024-01-03 05:15:26.0 +01:00
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  }
  +magazine: App\Entity\Magazine {#265}
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  +parent: App\Entity\EntryComment {#5246
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
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    +parent: App\Entity\EntryComment {#5178
      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#5128
        +user: Proxies\__CG__\App\Entity\User {#5129 …}
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          +user: App\Entity\User {#4157 …}
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          +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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          ]
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        }
        +root: App\Entity\EntryComment {#4144}
        +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"
        ]
        +children: Doctrine\ORM\PersistentCollection {#5130 …}
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      }
      +root: App\Entity\EntryComment {#4144}
      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
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    }
    +root: App\Entity\EntryComment {#4144}
    +body: "That’s just garbage."
    +lang: "en"
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      "@stoy@lemmy.zip"
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      date: 2024-01-03 11:43:28.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4144}
  +body: "Yep, it was an old system, I think it was flash based, which makes it understandable that they shut it off, but not that they didn’t replace it with an updated system."
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}
 
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 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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47 DENIED edit 
App\Entity\EntryComment {#5278
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      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
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      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5246
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5178
      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#5128
        +user: Proxies\__CG__\App\Entity\User {#5129 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: App\Entity\EntryComment {#4144
          +user: App\Entity\User {#4157 …}
          +entry: App\Entity\Entry {#2419}
          +magazine: App\Entity\Magazine {#265}
          +image: null
          +parent: null
          +root: null
          +body: """
            I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
            \n
            But I do have a few rules:\n
            \n
            1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
            2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
            3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
            """
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            date: 2024-03-24 02:51:21.0 +01:00
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            "@LesserAbe@lemmy.world"
          ]
          +children: Doctrine\ORM\PersistentCollection {#4145 …}
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            date: 2024-01-03 06:28:00.0 +01:00
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        }
        +root: App\Entity\EntryComment {#4144}
        +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
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          "@LesserAbe@lemmy.world"
          "@stoy@lemmy.zip"
        ]
        +children: Doctrine\ORM\PersistentCollection {#5130 …}
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      }
      +root: App\Entity\EntryComment {#4144}
      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
      +lang: "en"
      +isAdult: false
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        date: 2024-01-03 11:12:52.0 +01:00
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        "@stoy@lemmy.zip"
        "@averagedrunk@lemmy.ml"
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      -id: 276039
      -bodyTs: "'access':21 'allow':4 'card':24 'crap':27 'favour':10 'internet':20 'remov':7 'switch':14 'turn':16 'use':2"
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        date: 2024-01-03 11:12:52.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4144}
    +body: "That’s just garbage."
    +lang: "en"
    +isAdult: false
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      date: 2024-01-03 11:43:28.0 +01:00
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      date: 2024-01-03 11:43:28.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +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"
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    date: 2024-01-03 16:07:16.0 +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
48 DENIED moderate 
App\Entity\EntryComment {#5278
  +user: App\Entity\User {#4157 …}
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +slug: "What-s-involved-in-your-budgeting-method"
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    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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          +body: """
            I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
            \n
            But I do have a few rules:\n
            \n
            1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
            2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
            3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
            """
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        +body: """
          You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
          \n
          So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
          \n
          If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
          \n
          It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
          """
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      +body: "They used to allow that, but removed it in favour if having a switch to turn on and off internet access for the card, it is crap."
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    +body: "That’s just garbage."
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  +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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        A Fediverse community for open-ended, thought provoking questions\n
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        **Rules: (interactive)**\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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        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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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \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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      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
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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 {#4145 …}
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        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +body: """
      You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
      \n
      So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
      \n
      If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
      \n
      It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
      """
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      date: 2024-01-03 09:17:09.0 +01:00
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      "@stoy@lemmy.zip"
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      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +body: "What bank is it that lets you create temporary cards?"
  +lang: "en"
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    date: 2024-01-03 14:25:39.0 +01:00
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}
 
"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
51 DENIED edit 
App\Entity\EntryComment {#5196
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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        date: 2024-10-22 09:47:25.0 +02:00
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      +markedForDeletionAt: null
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      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
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      -id: 49
      +apId: "asklemmy@lemmy.world"
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      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
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        date: 2023-10-13 08:03:47.0 +02:00
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
    +downVotes: 0
    +ranking: 1704341726
    +visibility: "visible             "
    +apId: "https://lemmy.world/post/10257042"
    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5128
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4144
      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
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        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
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        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4145 …}
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      +ranking: 0
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      +createdAt: DateTimeImmutable @1704259680 {#4140
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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
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    +mentions: [
      "@LesserAbe@lemmy.world"
      "@stoy@lemmy.zip"
    ]
    +children: Doctrine\ORM\PersistentCollection {#5130 …}
    +nested: Doctrine\ORM\PersistentCollection {#5132 …}
    +votes: Doctrine\ORM\PersistentCollection {#5134 …}
    +reports: Doctrine\ORM\PersistentCollection {#5136 …}
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    +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
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    +ranking: 0
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704269829 {#5127
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +body: "What bank is it that lets you create temporary cards?"
  +lang: "en"
  +isAdult: false
  +favouriteCount: 1
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    "@stoy@lemmy.zip"
    "@averagedrunk@lemmy.ml"
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    date: 2024-01-03 14:25:39.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
52 DENIED moderate 
App\Entity\EntryComment {#5196
  +user: Proxies\__CG__\App\Entity\User {#1970 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
      +entryCount: 1179
      +entryCommentCount: 42676
      +postCount: 3
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      +customCss: null
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        date: 2024-10-22 09:47:25.0 +02:00
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      +markedForDeletionAt: null
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      +moderators: Doctrine\ORM\PersistentCollection {#237 …}
      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
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      -id: 49
      +apId: "asklemmy@lemmy.world"
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      +apPublicUrl: "https://lemmy.world/c/asklemmy"
      +apFollowersUrl: "https://lemmy.world/c/asklemmy/followers"
      +apInboxUrl: "https://lemmy.world/inbox"
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      +apPreferredUsername: "asklemmy"
      +apDiscoverable: true
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      +apFetchedAt: DateTime @1729583301 {#269
        date: 2024-10-22 09:48:21.0 +02:00
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        date: 2023-10-13 08:03:47.0 +02:00
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    }
    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
    +type: "article"
    +lang: "en"
    +isOc: false
    +hasEmbed: false
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      date: 2024-03-29 07:28:48.0 +01:00
    }
    +ip: null
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    +tags: null
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    +comments: Doctrine\ORM\PersistentCollection {#1884 …}
    +votes: Doctrine\ORM\PersistentCollection {#1973 …}
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    -id: 26875
    -titleTs: "'budget':6 'involv':3 'method':7"
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    +cross: false
    +upVotes: 0
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    +ranking: 1704341726
    +visibility: "visible             "
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5128
    +user: Proxies\__CG__\App\Entity\User {#5129 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#4144
      +user: App\Entity\User {#4157 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: null
      +root: null
      +body: """
        I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
        \n
        But I do have a few rules:\n
        \n
        1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
        2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
        3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
        """
      +lang: "en"
      +isAdult: false
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        date: 2024-03-24 02:51:21.0 +01:00
      }
      +ip: null
      +tags: null
      +mentions: [
        "@LesserAbe@lemmy.world"
      ]
      +children: Doctrine\ORM\PersistentCollection {#4145 …}
      +nested: Doctrine\ORM\PersistentCollection {#4147 …}
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      +ranking: 0
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      +createdAt: DateTimeImmutable @1704259680 {#4140
        date: 2024-01-03 06:28:00.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +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 {#5126
      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 {#5130 …}
    +nested: Doctrine\ORM\PersistentCollection {#5132 …}
    +votes: Doctrine\ORM\PersistentCollection {#5134 …}
    +reports: Doctrine\ORM\PersistentCollection {#5136 …}
    +favourites: Doctrine\ORM\PersistentCollection {#5138 …}
    +notifications: Doctrine\ORM\PersistentCollection {#5140 …}
    -id: 275911
    -bodyTs: "'1':46 'absolut':158 'add':119 'ago':149 'also':126 'amount':92 'anoth':198 'anyth':120 'attempt':192 'automat':74 'back':186 'bank':8 'box':155,199 'buck':145 'cancel':60,75,99,167 'card':14,19,27,44,68,88,124,196,206,223 'cash':211 'charg':30,112,194,220 'cloth':153 'contact':162 'could':84 'creat':12,23,42,85 'credit':18 'custom':164 'didn':183 'dispos':13 'els':121 'everi':95,137 'forget':58 'get':185 'got':217 'hbo':82,87 'hundr':144 'keep':111 'let':10 'll':108 'load':90 'long':148 'luckili':200 'm':133 'make':127 'may':2 'money':71 'month':96,138 'real':174 'reject':219 'reload':26 'save':140 'see':5 'servic':136,165 'site':181 'someth':39 'start':51 'subscript':80,154 'temp':205 'temporari':24 'terribl':147,159 'test':55 'think':129 'time':190 'transact':32,56 'tri':109,151 'trial':38,50,63 'two':17 'use':134 'want':3,36,78 'way':175 'whether':131 'worri':105 'would':41"
    +ranking: 0
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    +visibility: "visible             "
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    +editedAt: null
    +createdAt: DateTimeImmutable @1704269829 {#5127
      date: 2024-01-03 09:17:09.0 +01:00
    }
  }
  +root: App\Entity\EntryComment {#4144}
  +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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  +children: Doctrine\ORM\PersistentCollection {#5197 …}
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  +reports: Doctrine\ORM\PersistentCollection {#5203 …}
  +favourites: Doctrine\ORM\PersistentCollection {#5205 …}
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  -id: 276346
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  +editedAt: null
  +createdAt: DateTimeImmutable @1704288339 {#5195
    date: 2024-01-03 14:25:39.0 +01:00
  }
}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\EntryCommentVoter"
 ACCESS DENIED 
"App\Security\Voter\EntryVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MagazineVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageThreadVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\MessageVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\NotificationVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\OAuth2UserConsentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\UserVoter"
 ACCESS ABSTAIN
Show voter details
53 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
54 DENIED moderate 
App\Entity\EntryComment {#5264
  +user: Proxies\__CG__\App\Entity\User {#5129 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
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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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      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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    +body: "What bank is it that lets you create temporary cards?"
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  +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 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 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
55 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
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
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      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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    +editedAt: null
    +createdAt: DateTimeImmutable @1704255326 {#1793
      date: 2024-01-03 05:15:26.0 +01:00
    }
  }
  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: App\Entity\EntryComment {#5196
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5128
      +user: Proxies\__CG__\App\Entity\User {#5129 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4144
        +user: App\Entity\User {#4157 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
        +root: null
        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          date: 2024-03-24 02:51:21.0 +01:00
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          "@LesserAbe@lemmy.world"
        ]
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        +ranking: 0
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          date: 2024-01-03 06:28:00.0 +01:00
        }
      }
      +root: App\Entity\EntryComment {#4144}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
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      +isAdult: false
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        date: 2024-01-03 09:17:09.0 +01:00
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        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
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        date: 2024-01-03 09:17:09.0 +01:00
      }
    }
    +root: App\Entity\EntryComment {#4144}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
    +isAdult: false
    +favouriteCount: 1
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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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    -id: 276346
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      date: 2024-01-03 14:25:39.0 +01:00
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  }
  +root: App\Entity\EntryComment {#4144}
  +body: "Capital One lets you do unlimited virtual cards for each service. X1 gives you the ones like I described. There are others."
  +lang: "en"
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}
 
"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
56 DENIED moderate 
App\Entity\EntryComment {#5264
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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 {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    -titleTs: "'budget':6 'involv':3 'method':7"
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      date: 2024-01-03 05:15:26.0 +01:00
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  +magazine: App\Entity\Magazine {#265}
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  +parent: App\Entity\EntryComment {#5196
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +entry: App\Entity\Entry {#2419}
    +magazine: App\Entity\Magazine {#265}
    +image: null
    +parent: App\Entity\EntryComment {#5128
      +user: Proxies\__CG__\App\Entity\User {#5129 …}
      +entry: App\Entity\Entry {#2419}
      +magazine: App\Entity\Magazine {#265}
      +image: null
      +parent: App\Entity\EntryComment {#4144
        +user: App\Entity\User {#4157 …}
        +entry: App\Entity\Entry {#2419}
        +magazine: App\Entity\Magazine {#265}
        +image: null
        +parent: null
        +root: null
        +body: """
          I don’t really budget, I live alone, and make enough money to support myself and live a decent life.\n
          \n
          But I do have a few rules:\n
          \n
          1. I will never set up any kind of subscription, be it media (HBO, Netflix, Disney+, Spotify, Apple Music, Tidal), apps (Flightradar24, Vesselfinder), games (Geoguessr). What I will do is buy prepaid cards with credit for those services, and activate them for a set period of time, but I will never buy into a recurring charge for a service, I have seen too many people ruining their economy with subscriptions being a big contributer.\n
          2. I seldom give into impulse buying expensive stuff, but if I have the money and can afford it I am not against buying quallity even if it more expensive at first.\n
          3. I don’t accept a seller or sales system stressing me out to buy as fast as possible, I can and have just walked away when I felt uncomfortable with how fast the sale if being pushed, I want to have time to think about if this thing is worth it for that price and if I need it now before I buy it.
          """
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          date: 2024-01-03 06:28:00.0 +01:00
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      }
      +root: App\Entity\EntryComment {#4144}
      +body: """
        You may want to see if your bank will let you create disposable cards. I have two credit cards where I can create temporary or reloadable cards at no charge for transactions.\n
        \n
        So if I wanted to trial something, I would create a card with $1 on it. The trial starts and does the test transaction. I forget to cancel before the trial is over, but the card has no money so it automatically cancels.\n
        \n
        If I wanted a subscription to HBO, I could create an HBO card and load the amount for it every month. When I cancel, I don’t have to worry that they’ll try to keep charging me because I just don’t add anything else to the card. It also makes me think about whether I’m using a service every month.\n
        \n
        It saved me a few hundred bucks not terribly long ago. I tried a clothing subscription box that was absolutely terrible. So I contacted their customer service to cancel because they don’t have a real way to do it on their site. They didn’t get back to me in time and attempted to charge my card for another box. Luckily it was on the temp card and there was no cash on it so I just got a rejected charge on my card.
        """
      +lang: "en"
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        "@LesserAbe@lemmy.world"
        "@stoy@lemmy.zip"
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      +children: Doctrine\ORM\PersistentCollection {#5130 …}
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        date: 2024-01-03 09:17:09.0 +01:00
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    }
    +root: App\Entity\EntryComment {#4144}
    +body: "What bank is it that lets you create temporary cards?"
    +lang: "en"
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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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  }
  +root: App\Entity\EntryComment {#4144}
  +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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}
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 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 
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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
57 DENIED ROLE_USER 
null
 
"Scheb\TwoFactorBundle\Security\Authorization\Voter\TwoFactorInProgressVoter"
 ACCESS ABSTAIN 
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 ACCESS DENIED 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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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
58 DENIED moderate 
App\Entity\EntryComment {#4217
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
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    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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  +magazine: App\Entity\Magazine {#265}
  +image: null
  +parent: null
  +root: null
  +body: """
    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
    \n
    Some people might operate better with a set amount for groceries too, but I personally found that too restrictive.\n
    \n
    A good budget is one that you stick to, helps you achieve your goals, and crucially, *allows you to enjoy your life* to at least some extent. Whatever method works for you, it’s important to give yourself permission to spend some money on fun. However small.
    """
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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
Show voter details
59 DENIED edit 
App\Entity\EntryComment {#4217
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    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
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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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    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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        ---\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
        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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        \n
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        ------------------------\n
        \n
        ---\n
        \n
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        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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      I 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
      \n
      Some people might operate better with a set amount for groceries too, but I personally found that too restrictive.\n
      \n
      A good budget is one that you stick to, helps you achieve your goals, and crucially, *allows you to enjoy your life* to at least some extent. Whatever method works for you, it’s important to give yourself permission to spend some money on fun. However small.
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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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 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
63 DENIED edit 
App\Entity\EntryComment {#5114
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
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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
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
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        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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      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 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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 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
64 DENIED moderate 
App\Entity\EntryComment {#5114
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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
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        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \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 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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      Some people might operate better with a set amount for groceries too, but I personally found that too restrictive.\n
      \n
      A good budget is one that you stick to, helps you achieve your goals, and crucially, *allows you to enjoy your life* to at least some extent. Whatever method works for you, it’s important to give yourself permission to spend some money on fun. However small.
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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
        \n
        **Rules: (interactive)**\n
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        \n
        ---\n
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        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \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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        [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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      \n
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        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        \n
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        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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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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    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
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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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    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
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        \n
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        \n
        ---\n
        \n
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        \n
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        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
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      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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    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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        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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  +body: "At the very basic level, I predict how much money i expect to make in a month. Then subtract all bills and expenses that will definitely occur in the month. The difference is what i have to play with. Most times that extra goes into getting more groceries. Sometimes I can put that extra into my emergency savings which gets drained out more often than i’d like."
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        \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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        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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        [You Should Know](/c/youshouldknow@lemmy.world)\n
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83 DENIED edit 
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        A Fediverse community for open-ended, thought provoking questions\n
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        \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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        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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        [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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    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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        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        \n
        ---\n
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        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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        [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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    None really. I think I’ve always been in a privileged enough position that I never really needed to worry. I’m not a big impulse buyer and tend to regulate myself on this. If I buy something that I don’t really use as much as I thought I would, it annoys me so much that I become much more conservative with spending in the following weeks/months. It kinda self-regulates.\n
    \n
    I don’t have a car, and instead bike everywhere or use public transport which saves me a lot of money. This is again a privilege, because I managed to land an affordable place to live that’s close to work.\n
    \n
    My only way of keeping track of all this is the division between my payment and savings accounts. If my payment account goes above a certain value, I move money to my savings account. As long as this keeps happening regularly, like it has for years, I have nothing to worry about. Obviously I do check the details of my spending every now and then, but nothing organised.
    """
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85 DENIED ROLE_USER 
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86 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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        \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
        \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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        \n
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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  +body: "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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90 DENIED moderate 
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        -----------------------------------------------------------------\n
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        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
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        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
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        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\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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    There’s an app called MoneyStats which does balance forecasting. Forecasting is necessary for me because I need feedback about how my decisions or plans affect the big picture and to be able to see whatever timeframe that I choose\n
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    Its the only thing that keeps one foot out of the financial aby$$. I just program in all my recurring and correct any imbalances every few days and review whenever I start losing the plot or just to make sure my model is representative of my reality and how I need to comport to ensure things stay tight
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
91 DENIED edit 
App\Entity\EntryComment {#4733
  +user: App\Entity\User {#4746 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
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        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \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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    There’s an app called MoneyStats which does balance forecasting. Forecasting is necessary for me because I need feedback about how my decisions or plans affect the big picture and to be able to see whatever timeframe that I choose\n
    \n
    Its the only thing that keeps one foot out of the financial aby$$. I just program in all my recurring and correct any imbalances every few days and review whenever I start losing the plot or just to make sure my model is representative of my reality and how I need to comport to ensure things stay tight
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
92 DENIED moderate 
App\Entity\EntryComment {#4733
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    +magazine: App\Entity\Magazine {#265
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
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        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
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        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [Jokes](/c/jokes@lemmy.world)\n
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        [Ask Ouija](/c/askouija@lemmy.world)\n
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        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
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      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
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    There’s an app called MoneyStats which does balance forecasting. Forecasting is necessary for me because I need feedback about how my decisions or plans affect the big picture and to be able to see whatever timeframe that I choose\n
    \n
    Its the only thing that keeps one foot out of the financial aby$$. I just program in all my recurring and correct any imbalances every few days and review whenever I start losing the plot or just to make sure my model is representative of my reality and how I need to comport to ensure things stay tight
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
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        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
    \n
    Currently, I’ve knocked down the CC by a third, plan to get it under control by march of work keeps up, then going back into savings and continuing with the basic plan.
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95 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
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        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
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        [Reddit](/c/reddit@lemmy.world)\n
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        [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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    At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
    \n
    Currently, I’ve knocked down the CC by a third, plan to get it under control by march of work keeps up, then going back into savings and continuing with the basic plan.
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 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 
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Show voter details
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
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        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
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      \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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    At the start of 2023 there wasn’t one for me. I was in a rut and generally felt that if I didn’t spend the money on myself, my SO would. About 6 months later I had one entire paycheck vanish midway through the week from excessive takeout purchases (150+ daily) and quickly set a budget. We each get about 200 a week for ‘allowance’ to do with as we please, about another 200 for food for both of us, and the rest was going into aavings/toward bills, but then in November I realized just how little the principle on the credit card we haven’t used in two years was being paid with auto-pay and diverted the savings money towards that.\n
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 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 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
97 DENIED ROLE_USER 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
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 ACCESS ABSTAIN 
"App\Security\Voter\PostCommentVoter"
 ACCESS ABSTAIN 
"App\Security\Voter\PostVoter"
 ACCESS ABSTAIN 
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 ACCESS ABSTAIN
Show voter details
98 DENIED moderate 
App\Entity\EntryComment {#4880
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      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
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        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
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    Apparently my method is a mix of those listed in the text.\n
    \n
    I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
    \n
    Then I split that budget into four categories:\n
    \n
    - **savings** - I aim for 25%. Into the saving account it goes.\n
    - **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
    - **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
    - **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
    \n
    Then here’s how I address some complexities:\n
    \n
    - periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
    - erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
    - high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
    - low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
    - really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
    \n
    Notes:\n
    \n
    1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
    2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
    """
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    date: 2024-01-03 09:04:51.0 +01:00
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}
 
"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
107 DENIED edit 
App\Entity\EntryComment {#5029
  +user: App\Entity\User {#5042 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
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      +entryCommentCount: 42676
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        date: 2024-10-22 09:47:25.0 +02:00
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      +ownershipRequests: Doctrine\ORM\PersistentCollection {#233 …}
      +moderatorRequests: Doctrine\ORM\PersistentCollection {#222 …}
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    +image: null
    +domain: Proxies\__CG__\App\Entity\Domain {#1915 …}
    +slug: "What-s-involved-in-your-budgeting-method"
    +title: "What's involved in your budgeting method?"
    +url: null
    +body: """
      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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    +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 {#265}
  +image: null
  +parent: null
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  +body: """
    Apparently my method is a mix of those listed in the text.\n
    \n
    I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
    \n
    Then I split that budget into four categories:\n
    \n
    - **savings** - I aim for 25%. Into the saving account it goes.\n
    - **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
    - **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
    - **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
    \n
    Then here’s how I address some complexities:\n
    \n
    - periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
    - erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
    - high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
    - low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
    - really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
    \n
    Notes:\n
    \n
    1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
    2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
    """
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  +editedAt: DateTimeImmutable @1711161866 {#5024
    date: 2024-03-23 03:44:26.0 +01:00
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    date: 2024-01-03 09:04:51.0 +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
108 DENIED moderate 
App\Entity\EntryComment {#5029
  +user: App\Entity\User {#5042 …}
  +entry: App\Entity\Entry {#2419
    +user: Proxies\__CG__\App\Entity\User {#1970 …}
    +magazine: App\Entity\Magazine {#265
      +icon: Proxies\__CG__\App\Entity\Image {#246 …}
      +name: "asklemmy@lemmy.world"
      +title: "asklemmy"
      +description: """
        A Fediverse community for open-ended, thought provoking questions\n
        -----------------------------------------------------------------\n
        \n
        ---\n
        \n
        **Rules: (interactive)**\n
        ------------------------\n
        \n
        ---\n
        \n
        1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can’t say something nice, don’t say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. [Please familiarize yourself with them](https://legal.lemmy.world/tos/)\n
        \n
        ---\n
        \n
        2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?\n
        \n
        ---\n
        \n
        3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.\n
        \n
        ---\n
        \n
        4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either [!asklemmyafterdark@lemmy.world](https://lemmy.world/c/asklemmyafterdark) or [!asklemmynsfw@lemmynsfw.com](https://lemmynsfw.com/c/asklemmynsfw). NSFW comments should be restricted to posts tagged [NSFW].\n
        \n
        ---\n
        \n
        5) This is not a support community.It is not a place for ‘how do I?’, type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to [Lemmy.world Support](https://lemmy.world/c/support) or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.\n
        \n
        ---\n
        \n
        Reminder: The [terms of service](https://legal.lemmy.world/tos/) apply here too.\n
        \n
        Partnered Communities:\n
        ----------------------\n
        \n
        [Tech Support](/c/techsupport@lemmy.world)\n
        \n
        [No Stupid Questions](/c/nostupidquestions@lemmy.world)\n
        \n
        [You Should Know](/c/youshouldknow@lemmy.world)\n
        \n
        [Reddit](/c/reddit@lemmy.world)\n
        \n
        [Jokes](/c/jokes@lemmy.world)\n
        \n
        [Ask Ouija](/c/askouija@lemmy.world)\n
        \n
        ---\n
        \n
        Logo design credit goes to: [tubbadu](/u/tubbadu@lemmy.world)\n
        \n
        ---\n
        \n
        ![](https://img.shields.io/lemmy/asklemmy%40lemmy.world?logo=lemmy&label=Total%20Subscribers)
        """
      +rules: null
      +subscriptionsCount: 1
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      I think budgeting and practical finances should be taught at multiple stages throughout a student’s life. I thought I knew the general idea but didn’t appreciate how much neglecting it would set me back.\n
      \n
      What is your process for budgeting? As a starting point this [article](https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system) lists a few methods.\n
      \n
      I use zero based budgeting where every dollar is assigned a purpose. I don’t end up sticking exactly to the plan, but I do keep a spreadsheet which lists my current balances and all expected expenses, so I can see my future balance and avoid going in the red. A couple times a month I cross off expenses which have been paid and update the balance. This is especially helpful to me because a big portion of my income is irregular month to month.
      """
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  +body: """
    Apparently my method is a mix of those listed in the text.\n
    \n
    I’m in a similar situation as OP, some of my income is irregular. So my monthly budget isn’t *directly* based on the last month income, I use the average of the last six months, relying on a checking account for that. (I keep it with enough money to last me one or two months.)\n
    \n
    Then I split that budget into four categories:\n
    \n
    - **savings** - I aim for 25%. Into the saving account it goes.\n
    - **monthly fixed expenses** - periodic, somewhat predictable, monthly. For example bills, cornmeal and rice, cat food, etc.\n
    - **variable expenses** - they’re necessities like the above, but there’s some wiggling room. Like, if necessary I don’t mind eating eggs four lunches a week and walking instead of taking a bus, but I’d rather not to. Usually split into four weeks, so I expend it gradually.\n
    - **"fluff"***¹ - avoidable expenses that I still want for some reason like “it improves my mood”. Things for my hobbies, going to a restaurant, buying nicer clothes or hardware, etc. Unused fluff gets transferred to my savings account in the following month.\n
    \n
    Then here’s how I address some complexities:\n
    \n
    - periodic expenses for things that I buy every few months (e.g. gas canisters) - I include a fraction of them into the monthly fixed expenses, and only remove the money from the checking account when buying it\n
    - erratic but large expenses (e.g. house repairs) - I usually “borrow” this money from the savings, then “repay” it in the following months, as a fixed expense*².\n
    - high income multiple months in a row - I cap the budget and send the overflow to the savings.\n
    - low income multiple months in a row - cut down fluff, then reduce variable expenses, then reduce monthly fixed expenses, then reduce savings, in this order.\n
    - really low income multiple months in a row - if really necessary I borrow from the savings, keeping in mind that I’ll need to repay myself.\n
    \n
    Notes:\n
    \n
    1. The actual name that I give to this category is “imposto das lombrigas”, or roughly “roundworm tax”. That’s from from my family jokingly referring to cravings as "to have roundworms for [something].\n
    2. Some people might use a credit card instead for that, to build credit; that also works, but it depends a lot on the government that you pay taxes to. I do have a credit card but I tend to avoid it, as often there are discounts for paying things in cash.
    """
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109 DENIED edit 
App\Entity\Magazine {#265
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    A Fediverse community for open-ended, thought provoking questions\n
    -----------------------------------------------------------------\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
    ---\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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Show voter details