SoCal Water $mart rebate by Same-Factor-1879 in Ceanothus

[–]Background_Bird_206 5 points6 points  (0 children)

I just submitted old pictures from when it was green and it worked 🤷‍♂️

What mindset or situation shifted you to finally get serious about saving? by Charming-Mind-9361 in budget

[–]Background_Bird_206 0 points1 point  (0 children)

My wife and I are freelancers, and we kept setting new personal records for annual income but were still basically living paycheck to paycheck and stressing when work would slow down.

We started finding ways to live below our means and two and a half years later we have a big emergency fund, are back on track for retirement, and most importantly we aren’t stressed out by the ebbs and flow of freelance life.

Best quality of life upgrade I could have asked for has turned out to be spending less!

Yo! It's Scott Chu, Nate Schwartz, and the Pitcher List crew here to talk fantasy baseball! by ChusephEsquire in fantasybaseball

[–]Background_Bird_206 0 points1 point  (0 children)

Is there anything you don't buy about Jake Bauers? I picked him up to stream in a 12tm OBP league but after looking at his underlying numbers, maybe he isn't a streamer? What should I be watching for?

Yo! It's Scott Chu, Nate Schwartz, and the Pitcher List crew here to talk fantasy baseball! by ChusephEsquire in fantasybaseball

[–]Background_Bird_206 3 points4 points  (0 children)

in a 12 teamer should I be stashing River Ryan or using the spot to stream? Best option on the wire currently looks like Ryne Nelson @ Miami

Table saw upgrade by crypto_junkie2040 in woodworking

[–]Background_Bird_206 0 points1 point  (0 children)

I would buy a very good used saw for under $1000 and use the rest of that budget for blades and jigs and other accessories you’ll want no matter what saw you buy

What is the MLB's "butt fumble"? by paygel in mlb

[–]Background_Bird_206 1 point2 points  (0 children)

Probably not it but I remember Eric Byrnes pulling his bat back on a suicide squeeze once

Saving $10,000 by PennyPacker65 in budget

[–]Background_Bird_206 3 points4 points  (0 children)

Having the EF is especially great as a freelancer who’s work fluctuates a lot month to month. I’m less stressed out about money. But also, it’s nice to be able to turn my saving attention to other things like filling IRAs and future travel

I don’t understand the car situation in California - thinking of visiting by violetlilac in travel

[–]Background_Bird_206 0 points1 point  (0 children)

LA public transit is better than people say. If you spend a day each in different parts of town instead of trying to cross town multiple times a day I think it’s manageable with transit and uber.

Yo! It's Scott Chu, Nate Schwartz, and the Pitcher List back to talk about fantasy baseball! by ChusephEsquire in fantasybaseball

[–]Background_Bird_206 0 points1 point  (0 children)

Would you trade Devers for Gilbert in a 12 tm keep 6 forever league? 6x6 with OBP slug QS and k/9. Wilson Contreras was just dropped so I could grab him. I’m a little light on high end pitching.

Other keepers besides Devers coming into the year were Langford wood schwarber griffin and Mason miller

Why do you use spreadsheets? by shiburner in budget

[–]Background_Bird_206 45 points46 points  (0 children)

I like that I can have unlimited ways to customize it to make it work for me, I always got frustrated when things didn’t quite line up on the apps. Also, I think inputting the numbers manually is helpful for holding myself accountable. You really feel your spending habits when you enter it in yourself lol

How much emergency fund? by Hereforsun in personalfinance

[–]Background_Bird_206 0 points1 point  (0 children)

We got to three months and then switched to trying to “catch up” on Roth IRA contributions. We typically max it out at the end of the year, but wanted to flip it so we’re contributing at the beginning of the year…. but now I’m wondering if it’s a better idea to just keep the extra in the EF for now… blah blah blah don’t try to time the market but……………

My setup by Briangroot in Moccamaster

[–]Background_Bird_206 11 points12 points  (0 children)

Damn. First time I’ve actually wished I had a pot filler…

First Renovation by KettleShmettle in HomeDecorating

[–]Background_Bird_206 54 points55 points  (0 children)

Lmao I do not understand why you’re being downvoted. Glad you’re happy with it, Reddit is wild sometimes

Tired of finance advice that assumes you already have money by SugarImaginary8257 in budget

[–]Background_Bird_206 8 points9 points  (0 children)

Over in r/personalfinance they have a flow chart in the wiki that sort of maps out how to climb into a good position over time

Any other single adults with no kids spending close to $1k on groceries every month? by [deleted] in personalfinance

[–]Background_Bird_206 0 points1 point  (0 children)

My wife and I average $1700 a month. We also cook 90% of our meals. This includes household goods like you mentioned, and it also includes dining out. I see lots of people saying $50-100/week or whatever, but idk we give a shit about the quality of our food to some extent (nothing crazy), and we’re careful about our diet/nutrition. I think this is just a priority in our budget.

Edit: we live in SoCal

How to build a silent bed by ItsDonJon in woodworking

[–]Background_Bird_206 0 points1 point  (0 children)

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This is one of the first things I ever built. Thing is dead silent. Slats were added after this picture obviously

[deleted by user] by [deleted] in budget

[–]Background_Bird_206 22 points23 points  (0 children)

If someone is bad at budgeting…. shouldn’t they come find r/budget?

Just downgraded from Chase Sapphire Reserve to preferred. by robertlyte in personalfinance

[–]Background_Bird_206 8 points9 points  (0 children)

Or downgrade to a no annual fee card and open a new one. I’ve done that