20% off the paychecks directly to registered retirement account. Use a cashback credit card for everything, pay it off every paycheck, and watch carefully that the balance doesn’t exceed what you can pay off. This is key, never pay card interest. Nice hefty reward from that every year. For things that can’t be charged to the card, annualized payment from a high interest savings account which I replenish every paycheck just enough to ensure all the annual payments can be drawn when the times come, all tracked with a spreadsheet for each bill. Extra goes in there for emergency funds, avoids paying interest when unexpected costs come up.
I’ve exhausted things I can sleep to on Netflix, and it’s literally impossible to sleep to things on Prime (so I barely watch anything there; it’s not worth falling asleep to something I like, since I might be punished for it), so I’ve started putting on YouTube in the evenings since it won’t wake me with silence at...
What system or method do you use for your monthly budget or personal finance?
What budgeting advice do you recommend? Money management method?
What is the most terryifying siren noise?
There’s an emergency at the Facility down the road, and everyone in a six-mile radius is very likely fucked....
Which YouTuber's voice can lull you to sleep?
I’ve exhausted things I can sleep to on Netflix, and it’s literally impossible to sleep to things on Prime (so I barely watch anything there; it’s not worth falling asleep to something I like, since I might be punished for it), so I’ve started putting on YouTube in the evenings since it won’t wake me with silence at...
30's wheel of pain (lemmy.world)