Beans and rice, or a fried egg over rice. Good filling add a few cheap veggies and you have a pretty banger meal. The egg and rice is a go to lunch for me tbh because I just like it that much.
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.
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.
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?
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.
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.
One thing I’ve realised after many years of trying to eat cheap and healthy is that not all cheap and healthy food advice applies in every region - you really need local advice to make the best choices possible.
For example, I’ve often read the advice to eat rice to stay cheap, but where I live, potatoes usually come out to be cheaper, especially just after harvesting. Potatoes are also arguably a better choice from a health perspective.
Strongly agree. Potatoes down here are never cheap. Same with apples. But I can often get pineapple for $2, bananas are cheap here too. And lots of the Latin American food is reasonable. A huge bag of rice is very cheap per lb here.
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
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
Get the glasses and only use them 2x MAXIMUM (like no more than 30 mins) right as you wake up or want to wake up.
I strongly advise against using them any other time of the day or as an “energy boost”, they should be confined to use when you want to wake up to entrain your circadian rhythms, otherwise just go for a walk. They really shouldn’t have anything to do with working or using other screens. Make sure the surrounding ambient light is decent to avoid strain
When I say the glasses, make sure its white. The jury seems to be out on whether intense blue light has association with potential macular degeneration which is obviously worrisome
I think our lack of vitamin C production is a feature and not a bug because we basically can’t eat too much of it. But animals that produce it like rats can get cancer from eating too much.
Ah, good old broken YouTube app. I don’t know if this is true for everyone, but on my phone at least that link just took me to the beginning of the video.
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