I use a spreadsheet. When I need to budget, I download my transaction history as a CSV and a couple of simple sumif formulas give me all the info I need.
I’m not aware of a good FOSS solution software-wise and frankly I don’t want my entire financial history to be accessible to a data mining firm.
Donnie darko, Requiem for a dream, Mulholland drive, and every single film by Wes Anderson is a monumental waste of time. Hours of my life I will never see again.
Also Peter Jackson’s best work is the q movie horrors he did in the early days also meet the feebles is amazing. Peter Jackson
I avoid automatic payments like the plague. I never give insurance companies, utilities, credit companies, etc. permission to withdraw from my account. All it takes is one underpaid office drone to make a mistake, and you’re overcharged a thousand dollars. You can (probably) get the money back, but not without a time consuming hassle.
Ever notice that billing mistakes on paper bills are virtually never in your favor? In my experience, I’ve always been overcharged, and never undercharged. I don’t expect automatic payments to be any different.
I let them mail me paper bills, which I then pay through my bank’s website. When the payment is made, I write the confirmation number on the bill itself. Yes, it’s more cumbersome, but that’s a price I’m willing to pay. There’s a verifiable paper trail, and I’m completely in control. Since it’s my money, I deserve to be.
In my country you can set an upper limit to the automatic payments. (It’s mandatory for the banks to implement.) So I just put in like plus 3-4 dollars as the max they can withdraw above my average bill and I’ll just get a notification if they try to withdraw above that limit (and they would be refused to do so). Fortunately it never happened.
Don’t autopay when possible, keep your credit cards down to one or two and itemize at the end of the month so you can catch things adding up. Things like groceries, budget roughly around the same amount each time, things like eating out, door dash etc that’s where the itemization comes in, do the math or use an app to help add it up. Put money into a savings account whenever you have extra. Do not, I repeat do not look at your bank and go “sweet I have an extra $300 this month, time for a new [whatever]”, put it in the savings
I import my transactions into Beancount, a plain text accounting software, a few times a year. My setup uses basic machine learning to classify each transaction. This gives me a decent understanding of my situation when combined with Fava, which visualizes the data.
Each month I save a set amount of money automatically into a few different index funds.
I make sure everything that is a monthly payment is something I actually use. Only one streaming service at a time, cheapest phone service etc.
I keep an eye on my main account every now and then to see how much I have. If i feel like it is stacking up more than what I may need in a short amount of time, I either buy more index funds or put it in an account with interest on it. If the main account ever runs out of money I have done something wrong.
I would say I don’t really budget. For me I do not feel the need. I am by no means rich, but not spending money on wasteful things really does a lot. E.g. make food most of the time instead of eating out, cut your own hair, only buy things that last and do your research before buying anything significant.
Please keep in mind I live in the EU and pay a sort of salary insurance so I do not have to stress a lot if something were to happen to change my situation.
-put a hole in your slice of bread
-butter both sides and set the pan on medium low heat
-toast the buttered bread in the pan and season it with salt (I toast both sides because the egg cooks pretty fast.)
-put a little tab of butter into the pan in the center of the hole
-crack an egg into the hole.
-little bit of salt on the egg and wait until the whites are almost set; a little bit of cooking spray on the egg if you're unsure about the non-stickness of your pan
-flip and wait until you achieve your perfect yolk
-plate and add ground pepper or whatever you desire
I honed my technique during COVID quarantine days.
An alternative:
-toast a slice of bread in a pan with butter and salt
-soft boil an egg
-serve the egg over the toast or use an egg cup and dip slivers of the toast into the egg
Not sure it has a “correct” name. I grew up having it called “egg in a hole,” but depending on where you’re from there are different names. I know people who call it “egg in a nest.” Wikipedia says:
There are many names for the dish, including “bullseye eggs”, “eggs in a frame”, “egg in a hole”, “eggs in a nest”, “gashouse eggs”, “gashouse special”, “gasthaus eggs”, “hole in one”, “one-eyed Jack”, “one-eyed Pete”, “one-eyed Sam”, “pirate’s eye”, and “popeye”.[7][8][9][10] The name “toad in the hole” is sometimes used for this dish,[7] though that name more commonly refers to sausages cooked in Yorkshire pudding batter.
I can also attest to hearing “eggs in a basket” and “toad in a hole” growing up. My son has just dubbed the dish “egg bread” and requested it almost daily. He also calls fried eggs “dip eggs” and boiled eggs “shape eggs.” He was probably 3 when he solidified these terms, but they have all stuck, 6 years later.
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