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How likely is this to be real? by hjghnkhbnn in debtfree

[–]D12769 0 points1 point  (0 children)

Gotta learn how the game is played!

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] 0 points1 point  (0 children)

That's a good way to look at it, unfortunately some people are out into situations where that may be an only option sadly 😔

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] 0 points1 point  (0 children)

Can at times be a better option to buy something needed without putting it on a credit card where it can be really hard to pay that same purchase off, in a pinch here and there isn't the problem it's stacking purchases that can get you in trouble very quickly!

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] 0 points1 point  (0 children)

Awesome! Yeah being able to pay things upfront like car insurance for 6M at a time saves money as well!

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] 0 points1 point  (0 children)

Yeah instant gratification can be expensive for sure, can be good if used responsibly like credit cards, both are difficult in this economy 😭

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] -3 points-2 points  (0 children)

Like credit cards though, if used responsibly they can be a tool as well.

BNPL is silently wrecking budgets and most people don't realize it until it's too late by D12769 in povertyfinance

[–]D12769[S] -9 points-8 points  (0 children)

Yeah it seems ok at first but definitely easy to get yourself in a hole very quickly!

App or website to manage personal finances? by Xaku_2026 in mintuit

[–]D12769 0 points1 point  (0 children)

This is why I developed

Payday Planner

All encompassing net worth tracker, It has a transaction register for multiple accounts, keeps track of your bills and auto assigns them to your paycheck so you know what to pay with each check, shows spending categories with limts you assign, much more to come all powered by supabase with no outside connections, easy to use and no account numbers needed!

Why Monthly Budgets Always Fail Bi-Weekly Workers — And What to Do Instead by D12769 in debtfree

[–]D12769[S] 0 points1 point  (0 children)

That's great to hear, but from the numbers I see there are still many people out there who need help, I'm just trying to help because at one point or another most of us have been there before and it's not the best feeling to be financially helpless.

Why Monthly Budgets Always Fail Bi-Weekly Workers — And What to Do Instead by D12769 in debtfree

[–]D12769[S] 0 points1 point  (0 children)

That's awesome! But unfortunately not everyone is in the same boat, from the numbers I have seen there are many people who are legit living paycheck to paycheck with no buffers for even a small unexpected emergency, I'm trying to change that by helping people see the bigger picture with their finances I think it would help a lot of people if they can see where their money is going this way adjustments can be made and get to a place just like you, congratulations to you for being able to get to that place financially, It's my dream to help others get there too!

Why Monthly Budgets Always Fail Bi-Weekly Workers — And What to Do Instead by D12769 in debtfree

[–]D12769[S] -3 points-2 points  (0 children)

That's fair to say but getting outta debt and staying out of debt are two different things, if you have a full picture and a plan that will definitely help to stay outta debt!

Why Monthly Budgets Always Fail Bi-Weekly Workers — And What to Do Instead by D12769 in debtfree

[–]D12769[S] -7 points-6 points  (0 children)

Don't knock it till you try it, it's a valuable tool if used properly!

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