I have a single spreadsheet with fairly simple formulas for calculating monthly expenses based on average recurring bills vs. (after tax) salary income.
I can see generally what my “discretionary” balance should be and that gets spent on food, stuff, etc.
Things that are recurring: Mortgage, Utilities (take annual average if you can), services, savings, etc.
Use savings like any other bill - a certain amount must be paid/deposited every month. Use automatic balance transfers from checking->savings on payday to facilitate.
I don’t try to get too fancy with it and heavily leverage automatic bill pay for making sure I can’t forget anything.
Check all your accounts regularly. For me that’s a weekend task to do with my morning coffee. Check account balances, make sure credit accounts are addressed as needed, review investments if applicable, but don’t freak out about them.
I’m partial to treating investments as long term gambles that are NOT something I’m relying on for retirement. It’s just something else to slowly build up over the long run that might be something that can help later or pass on.
My first car, a 1973 Dodge Charger. This is a representative picture, not my actual car. 1973 Dodge Charger
I bought it for $750 with no engine or transmission (but it came with a bunch of tools). It was a stock automatic but I converted it to a 4-speed manual in the process of building it back up.
I probably spent twice as much time working on it than I did driving it before I totalled it. That was very sad.
I know the feeling of “these games should exist” and then the disapointment of them just not existing.
I remember back in the super smash bros brawls days wondering why there were no good smash clones and nowadays we have several, so don’t lose hope. The day of the PS2 style platformer renaissance may yet come!
Speaking on PS2 though have you ever heard of/played Alien Echo? Its more of a hack and slash than a platformer but it does have shooting and its a lot of fun. Cheap too, I got my copy at a local store for $10.
Run a VPN on the device so it's harder to figure out where it connects to the Internet. Leave it at work or home or, if you must travel with it, keep it turned off.
See if you can friend or follow people in foreign countries and who don't speak English.
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