Using YNAB’s sinking funds helped me get out of my considerable divorce debt. They’re like envelopes you put money into ahead of time, for every single category/thing you want to spend on or save for.
If you need to spend more than is in the envelope, you must transfer from another envelope first
If a bill is higher than expected, transfer money from another envelope
If you want to make an impulse purchase that doesn’t fit an envelope, make mine and transfer money in from an existing one
And so on. It’s a great system, and I continue to use it even though I’m now debt free, except for my monthly bills and car lease payment.
It’s an unprecedented – and massive – experiment: Since 2017 the U.S.-based charity GiveDirectly has been providing thousands of villagers in Kenya what’s called a “universal basic income” – a cash grant of about $50, delivered every month, with the commitment to keep the payments coming for 12 years. It is a...
Then don’t call the police when your house gets robbed because you chose not to build the walls and doors out of nearly unbreakable titanium, build the windows out of nearly unbreakable 6 inch plexiglass, and install the best available security system in the world. I don’t want to be paying for your choices, and this is your problem now.
Don’t call the fire department when it burns down, either. Especially if you didn’t install a halon fire suppression system in every room and closet. Sorry for the loss of your house, neighbor, but your choices, your problem.
Quit driving on public roads. Getting around without using them is your problem and I don’t want to pay for it.
You’d better send your kids to private schools. It’s expensive, but hey, that’s your problem.
Fortify the hell out of your home. If we ever get invaded, I don’t want the military defending it. It would suck if it got attacked and destroyed, but that’s your problem; I’m not bailing you out.
In fact, you know what? You should just drop out of society, go buy your own island, and declare yourself sovereign. There, you will only ever have to deal with your own choices and problems. You’ll never have responsibility for anyone else’s, and no one will have responsibility for yours.
The rest of us will be over here enjoying something called civilization, where people join together for their mutual benefit and aid.
I am concerned about my cars extended warranty. I've tried to call a bunch of places but they all laugh and hang up. How can I get someone to call me about ny cars extended warranty?
People who own typewriters, what is your favorite use for it?
Is it a note-taking station? Is it a decoration only? Is it your regular journal? Is it a shopping list maker? Is it on display or tucked away?...
What system or method do you use for your monthly budget or personal finance?
What budgeting advice do you recommend? Money management method?
It's one of the biggest experiments in fighting global poverty. Now the results are in (www.npr.org)
It’s an unprecedented – and massive – experiment: Since 2017 the U.S.-based charity GiveDirectly has been providing thousands of villagers in Kenya what’s called a “universal basic income” – a cash grant of about $50, delivered every month, with the commitment to keep the payments coming for 12 years. It is a...
Denver experimented with giving people $1,000 a month. It reduced homelessness and increased full-time employment, a study found. (www.businessinsider.com)
cross-posted from: lemmit.online/post/1021018...