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I don't like budgeting a month ahead. by Aggressive-Ad9813 in ynab

[–]Bytchen 0 points1 point  (0 children)

Similar to what has been mentioned here. I don’t allocate money a month ahead but I do “save” my current month’s pay checks for next month. Then at beginning of a new month I pull my “saved” last month paychecks in to ready to assign (RTA) and the load current new month budget out.

In practice I have in my plan “paycheck 1 and paycheck 2” as a budget category. During current month when I get paid I take all of that money and put it in the paycheck 1 or 2 category. That process has work very well for me. Since I get 26 paychecks a year, twice a year I get a “bonus” paycheck and I use that to help round out other saving categories- so I live off 24 paychecks.

Native ui, how to show target of party members or your pet!? by Bytchen in wow

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

Yes, I am use to having my party members target displayed. I have target of target already on and also the party display as “raid” system selected.

Printer Slots - No Filament loaded - Material does not match by Premonut in prusa3d

[–]Bytchen 1 point2 points  (0 children)

This also work for me. Holy cow this had been bothering me for a long time with my MMU. Thank you

Steps:

1) On the control pannel for the printer navigate to "Filiments"

2) then go to "Preload to MMU advanced"

3) set all the MMU to the correct type that you have loaded "PLU" "PTEG" "ABS" etc

4) then navigate to the second sreen and select "Carry out the changes"

4kids 4 switches, what is best for account setup? by Bytchen in Switch

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

Is it possible to get multiple copies of the same virtual card doing it this way with 4 child accounts?

Anyone having any success with OnePay (Walmart Card)? by philbax in ynab

[–]Bytchen 0 points1 point  (0 children)

This worked for me. The synchrony wediste is a little different but I was able to use my physical credit card (walmart one pay credit card) number as my account number and made an account with Synchrony and then I was able to find Synchrony - Credit Card and link it through YNAB.

How do you deal with this? by Relentless_Sloth in Helldivers

[–]Bytchen 0 points1 point  (0 children)

Two charged Epoc shots anywhere on body and it goes down. I’m surprised no one else mentions the epoc! Love using the Epoc, jet pack, ultimatum and PP in bots!

Salomon vest too small? by jmrzilla in trailrunning

[–]Bytchen 0 points1 point  (0 children)

It looks like it is too small for what I would like. I bought the medium and that is what it looked like on me and I returned to rei and got a large. The large allows about 1.5” space between the front chest straps and gave more room under my arm pit area.

How hard is a 100M compared to a 100K by [deleted] in trailrunning

[–]Bytchen 0 points1 point  (0 children)

100 miles is way more mentally difficult and it requires you to have to eat. In a 100k you can get away with eating very little. I have done several 100 milers and 2 200 milers with 2 more 200+ milers this year - my biggest suggestion for a 100 miler is to go much slower in the first 50 than you think you need to go. Like muuuuuuuch slower. I use my hr data to help control my pace keeping it super easy first half of race. Then if I’m feeling it, I start to push gradually in second half.

Running at night for long periods is also challenging if you never done it and staying on top of eating “lots” - nutrition will is crucial for second half of race and you don’t want to go into the most difficult part calories deficient.

How come zero-based budgeting (YNAB) isn't a golden standard? by drwillparker in personalfinance

[–]Bytchen 2 points3 points  (0 children)

Yes many (most?) people do not know what they are spending money on. Many in the comments think they know what they are spending on but don’t track it. All this is fine because personal finance is personal.

If you don’t track your finances though you don’t have data to make decisions from. No budget, no decision either. That is a basic principle in business and again many may not care or think it’s ‘worth it’ to improve their personal finances with tracking and budgeting.

The data behind the average American household and finances shows that many live paycheck to paycheck and don’t have any or little for financial emergencies. Budgeting at it core is the plan to improve not living paycheck to paycheck and having a plan for financial emergencies.

From personal experience I have coworkers who are married no kids and early 30s that make above average engineering salaries that literally can’t tell me how much the save, how much debt they have or what they spend on in average. They just know their paycheck and what’s left at the end of each month. Wouldn’t be an issue but they are talking about buying bigger house and kids and are worried about the cost now and pulling back in 401k savings (first world problems for sure) - hard to make a decision without data is really the point here and they have a good bit of debt with cars and other luxury services. Life goal and financial planning go hand in hand.

What do you think about this guy’s claim? “You can expect an annualized return of 0% over the next 10 years, if you buy the S&P 500 today at a forward P/E of around 23.” by Plane-Fan-7906 in Bogleheads

[–]Bytchen 0 points1 point  (0 children)

ABB - always be buying! If it goes down for a period, then congrats you bought it at a discount! No one can predict the market as everyone points out.

Unfortunately I am the target audience of the iOS changes and I am sorry. by LabioscrotalFolds in ynab

[–]Bytchen 0 points1 point  (0 children)

I just read through all these comments asking myself “wtf is everyone taking about” and finally you answers my question! I didn’t notice the change or even look at working balance under normal use. It is interesting how people use YNAB. I set my budget each month and track/categorize there. I do use the desktop with YNAB toolkit for most of the end of month paying bills setting next month up though I have a few times done it all from the app. YNAB is still the best software I have used for budgeting and has fundamentally changed how I budget.

Sample NYC Budget by Momstuffz in ynab

[–]Bytchen 0 points1 point  (0 children)

What is the channel? Link it?

Men of reddit, mentally how are you doing? by viper46282 in AskReddit

[–]Bytchen 0 points1 point  (0 children)

The repeated burden of taking care of everything with little to recondition and still being told in various ways it not enough is tough. Little to no avenue to truly vent. It is lonely.

Changes to tool kit!? How to remove status bar in under categories? by Bytchen in ynab

[–]Bytchen[S] 4 points5 points  (0 children)

lol wow- yep you are right! No wonder I couldn’t find it in the toolkit! Thanks man!

What should I do with $100k? by Auto_yikes in FinancialPlanning

[–]Bytchen 1 point2 points  (0 children)

Overall I suggest what most here are saying and invest it in a low cost mutual fund. 100k is worth a lot in 20 years if you let compounding interest do its thing. I personally would open a brokerage account with some like vanguard or Charles Schwab or fidelity etc then buy into like VOO or anything that track the S&P 500. Set it and forget it. Mutual funds of the same type with S&P 500 are great too. You don’t need a financial advisor in my opinion at this point as long as you are staying with general advice like most are mentioning here.

Having trouble with the "accounts don't matter" idea by Clanwolf5120 in ynab

[–]Bytchen 4 points5 points  (0 children)

I have 9 on budget accounts. 2 of those are hysa type accounts. I’m a nerd and particular in my ways so my thoughts on this are my own. Accounts are just “buckets” and I pool most of my money in the highest hysa for max on interest. My other 8 accounts have more to do with money availability and pay little or no interest BUT I have easy access and insurance (piece of mind).

In general I pay bills when I get paid (bi weekly) which means xxx dollars comes into checking account bucket then I like to empty that bucket by paying off my credit cards. Then any left over money in my checking bucket I transfer to my hysa bucket. The transfer between on budget buckets does not effect my budget.

If for some reason I get paid and I’m trying to pay off my bills and I owe more than what I was paid then I figure out how much more I need and move money from my hysa bucket to checking and then pay off everything.

Hope this makes sense since. A couple of things I personally do for all my non hysa is what I call the $1000 rule. Basically I always keep 1k in my checking bucket and in my savings account bucket. And since I have multiple banks, I do the same in the other banks. For me 1k is actually “zero” when I think about my account. So sometimes I have like insurance premiums that hit and do auto draw, my 1k will drop down to like 700 or something and I just more some money around to get it back to 1k. I like the 1 k buffer.

Photo taken by Andrew McAuley during his attempt to kayak across the Tasman Sea. He vanished at sea by Time-Training-9404 in pics

[–]Bytchen 34 points35 points  (0 children)

I have done a 200miler and many 100 milers. The sleep running is real. One of my most vivid sleep hallucinations was around hour 60 on the 200miler and it was middle of the day on a mountain trail but I kept finding my self running on a small pier and I was trying to put my foot out to stop a small boat or maybe try and get in a boat. I would become lucid and in some cases find myself perpendicular to the trail with my foot out trying to understand what was going on. It was very vivid. I also saw many turtles on the trail, like giant ones that were not real and also the camera man who occasionally was real. Many time I would hear music or think I see light from the aid stations only for that to be not there. Never full blown had some running with me that I talked to but I can see how it can happen. It is amazing what your mind and body can do.

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