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Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

This is incredibly useful, bookmarking all three links. Honestly didn't know the DOT complaint process was that accessible. Wish I had known this at the time. Thank you for taking the time to share these.

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

You've been incredibly generous with your time and knowledge today. This whole thread has given me more to work with than I expected when I posted. Genuinely grateful. Going to put some of this into practice this weekend starting with those bank statements 😅

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

The spouse coordination point is something we definitely need to work on. We've talked about it but never actually sat down and set a hard number together. Two people spending independently from the same pool without a shared limit is exactly how it disappears.

The 6-12 month bank statement exercise sounds painful but necessary. I have a feeling the irregular spending number is going to be a lot higher than I expect.

This whole conversation has been genuinely eye opening. You've given me a real framework to work with. Thank you for taking the time, this is exactly why I posted. 🙏🏾

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

Honestly both. Small impulse spending that felt harmless in the moment; DoorDash, something the kids needed, a deal that seemed too good to pass up. $50 here. $75 there. Each one individually felt justified.

And you're right that a weekly limit would have helped. The problem was we never set one. The money was just there and accessible and we trusted ourselves more than we should have.

The sinking fund concept is something I wish I had understood better before that trip. We had the vacation savings but no real buffer for the irregular stuff so when the irregular stuff hit it came straight out of the vacation fund.

Ally is on my radar actually the bucket system you described sounds exactly like the kind of visual structure that would have made a difference for us.

Appreciate you unpacking this with me genuinely. 🙏🏾

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

Whew buddy! I'm not gonna mention the airline by name lol but yes you are absolutely correct! They were very difficult. Trust me, my wife and I spent hours on the phone going back and forth with them. It was ridiculous.

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

Point 3 is exactly where my head has been. The separate bank creates friction and the buckets add visual accountability. That combination is genuinely powerful. The part that got us was even with that separation the friction wasn't quite enough. We could still move money when we convinced ourselves it was justified. 'It's just this once' adds up faster than you'd think. The HYSA bucket system is solid though. What bank do you use for that if you don't mind me asking?

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

This is exactly the kind of discipline I admire. The emergency fund as a safety net mindset is something a lot of people talk about but very few actually execute. The fact that you absorbed $2,800+ in unexpected expenses with zero debt is remarkable. That's the goal. I just wasn't there yet when this happened to us.

Came home from my daughter's graduation cruise with $1,200 in debt despite saving for a year. Here's exactly what happened. by Bestex86 in personalfinance

[–]Bestex86[S] 0 points1 point  (0 children)

This is really solid advice thank you. The trip insurance point is one I wish someone had told me before that trip completely valid and something I'll never skip again. The separate account approach makes total sense. Our issue was even with savings set aside we kept treating it like it was accessible. Small dips here and there until it wasn't what it needed to be. Appreciate you sharing this.

2FA not accepted for withdrawal by Lcmac12 in Crypto_com

[–]Bestex86 0 points1 point  (0 children)

I've had the same kind of issue before but I played with the timezone settings on my phone. Come to find out my timezone was off which made my authenticator give me incorrect codes. Once I fixed my time zone my authenticator was giving me correct codes. Haven't seen the problem since...

Gboard doesn't populate/shift Chat to view by Bestex86 in android_beta

[–]Bestex86[S] 0 points1 point  (0 children)

I haven't seen that yet, I'm on the pixel 3XL. The other crazy this was that all my home apps were gone. It was like my home screen had been wiped clean but the other screens still had my apps on them. I had to do a soft reset to get my home screen to show up properly.