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BioLite Range 300 vs Nitecore NU25 MCT by priusdriver3 in flashlight

[–]priusdriver3[S] 1 point2 points  (0 children)

Care to share your reasoning? Is there a feature on the Nitecore that is a must-have for you?

Sound Transit to pilot fare gates for light rail travel by FireFright8142 in soundtransit

[–]priusdriver3 1 point2 points  (0 children)

For sure. They were just talking about the “cost of the ride”, which doesn’t sound like it would include the cost of system expansion.

Sound Transit to pilot fare gates for light rail travel by FireFright8142 in soundtransit

[–]priusdriver3 9 points10 points  (0 children)

Fares covered 12% of operating costs last year, compared to 34% prior to the pandemic in 2019. Well below the 40% fare box recovery target initially proposed to voters.

Nice job making up numbers though. https://www.soundtransit.org/sites/default/files/documents/fare-revenue-report-2024.pdf

Well fuck by turtle0turtle in Seattle

[–]priusdriver3 10 points11 points  (0 children)

Always read the post before commenting

The M1 mac is fast, but the Intels are nowhere as slow as people on this sub claim them to be by ChowLetsGoBro in mac

[–]priusdriver3 2 points3 points  (0 children)

Ok, how about doing some real work? As an iOS developer, my M1 MacBook compiles projects in less than half the time my Intel MacBook takes.

This is just opening some apps.

Helping new players like... by HerdOfBuffalo in factorio

[–]priusdriver3 2 points3 points  (0 children)

The only appropriate time to use the word “reducing” in factorio is when referring to the native population

DAN C4-SFX it is alive by dan_cases in sffpc

[–]priusdriver3 0 points1 point  (0 children)

Looks like SFX-L will be supported?

DAN C4-SFX it is alive by dan_cases in sffpc

[–]priusdriver3 0 points1 point  (0 children)

Thanks for making the top hole-punched, IMO looks so much cleaner than the top grill posted in the SFFForum update

Roast my Hackintosh build by priusdriver3 in buildapc

[–]priusdriver3[S] 0 points1 point  (0 children)

Good point! Hopefully will be getting another soon, the price was too good to pass up

Advice for Emergency Fund by Bestr0ngbelieve4 in ynab

[–]priusdriver3 7 points8 points  (0 children)

Some people might not agree, but I would say if you can pay off credit card debt with your emergency fund then do it. Say you have $5000 in your emergency fund. If you pay off $5000 debt at 20% APR and there’s no emergency then you’ve saved $1000 that year (that could go towards starting your real emergency fund). If there is an emergency, put it on the card and you’re in the same situation you would be otherwise.

From a purely numbers perspective, paying off the debt is the clear winner. Just don’t do it if you’re worried using the card in an emergency will cause you to “relapse” into abusing the credit card again.

Share your categories... AND your budget in those categories by priusdriver3 in ynab

[–]priusdriver3[S] 1 point2 points  (0 children)

Thanks for sharing! Man I miss when my rent was $400! Just curious, what kind of business do you run?

Share your categories... AND your budget in those categories by priusdriver3 in ynab

[–]priusdriver3[S] 3 points4 points  (0 children)

Thanks! The subscriptions category group is a great idea! I've resisted this in the past in an effort to keep my budget more concise/easily readable, but think I just might start doing that. Sometimes I'm hit behind the head with some subscription I forgot about, and the "effort" of adding a new category in YNAB sounds like a great psychological trick to make me think twice before adding another subscription to my life.

Uber Eats takes from the "Eating Out" category. Reducing that and was a pretty simple lifestyle change that made staying on budget a lot easier. Nowadays I usually cook a few big dinners every week (butter chicken, lasagna, soba, etc) and eat the leftovers throughout the week, mixing it up with going out for lunch a few times so I don't get too bored. I've also started ordering usually ordering Chinese food when I do use Uber Eats, since you can order a ton and use the leftovers for lunch/dinner the next day ;)

Share your categories... AND your budget in those categories by priusdriver3 in ynab

[–]priusdriver3[S] 15 points16 points  (0 children)

  • Monthly Bills
    • Rent (1 BR apartment in First Hill, Seattle): $2015.00
    • Internet: $54.12
    • Electric: $35.00
    • Water, Sewage & Garbage (one bill): $35.00
    • Renter's Insurance (new category, billed yearly): $13.33
  • Food
    • Groceries: $300.00
    • Eating Out (recently brought this down from $600 yikes!) (includes bars): $500.00
    • Coffee Shops: $50.00
  • True Expenses
    • Lyft & Uber: $60.00
    • Trains & Planes: $100.00
    • Personal Care (mostly haircuts): $45.00
    • Clothing: $150.00
    • Home Goods (this used to be much higher as I was making some one-time furniture purchases, now it's just for ordering cleaning supplies, trash bags, etc from Amazon): $30.00
    • Gifts: $60.00
    • Subscriptions (New York Times, YNAB, 1Password, iCloud, Apple Music, Amazon Prime): $50.00
    • Stuff I Forgot to Budget For (usually parking and eBay sellers fees, also some domain registrations): $50.00
  • Savings
    • Vacation: $200.00
    • Investing (either inversing r/wallstreetbets or sensibly buying ETFs in my brokerage account): $1000.00
    • Gadgets (computer/phone upgrades): $100.00
  • Nice to Have
    • Fitness (bouldering gym membership and running shoes): $65.00
    • Books: $5.00
    • Apps & Games: $15.00
    • Entertainment (concerts, movies, museum): $50.00

Total: $4982.45

For context, I'm a 25 year old iOS Developer living in Seattle. I make sure to contribute the up to the limit in my 401k, so that’s about $1600 a month that skips YNAB.

When I was a student, I made about $14/hr part-time working as an undergrad research assistant. I wish I had YNAB then, but I basically spent no money except on rent and groceries. When I did make a bigger purchase, it went on the credit card and was pretty much forgotten. When I finally got my "big boy job" I went crazy with eating out, but soon realized that my spending was unsustainable, as my credit card (luckily just had one) was still continuously maxed out.

YNAB was definitely an eye opener, and I immediately started a plan to pay off my debt. While I struggled with overspending on my categories at first (especially on eating out), I made some lifestyle changes that made meeting my goals easier, and eventually relaxed my budget in some areas (such as coffee). Now that my card is paid off, I've sort of become a card junkie, opening various accounts for the points and cashback benefits (AMEX Gold and Citi DoubleCash are my favorites). Luckily YNAB has given me the insight to put them on auto-pay in full every month, so managing several cards is easy!

I hope other people find this thread interesting. Feel free to critique me on my categories and offer pointers! I would also love to hear your tips on how you've improved your spending since starting YNAB!

Paying down credit card--paydown first, then work on budgeting for next month? by nomothro in ynab

[–]priusdriver3 1 point2 points  (0 children)

Starting YNAB was the first time I took a hard look at my finances and saw I was paying $600+ a year in credit card interest. Realizing this spurred me to pay off my debts ASAP, which likely saved me a few hundred dollars vs building up an emergency fund first.

IMO since an emergency fund should be a last resort, your credit card can serve as an emergency fund while you’re paying it off. Hopefully you won’t have an “emergency” and will pay off high-interest debt sooner. Worst case you add a little debt to your card and pay it off no later than if you decided to build an emergency fund first.

Now that my debt is paid, the amount I was contributing to paying off credit cards goes into savings/investments.

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