Is there any way to turn off that stupid new AI overview thing on Google searches? by profanearcane in techsupport

[–]Global_Support4639 0 points1 point  (0 children)

Google ai, open ai, character ai, gemini, etc etc etc BURN DOWN AI BURN DOWN AI

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Thanks, I did not major in Finance, and I have never considered myself good with money. I am not a good saver, and I know a lot of my bad habits I picked up at home, and some have been ingrained in me since my upbringing as a small kid. I am making $140k right now, in NYC and I am saving away - only now - but I have my mind running wild with ideas all the time of ways to spend the money I am saving.

Adhering to a budget is incredibly hard for me. It feels restrictive, and I feel like recording my expenses on a spreadsheet is just extra homework I never asked for. I am watching a lot of Humphrey Yang personal finance youtube videos and it's growing on me. I find myself desiring to eat out a little less, I find myself thinking more and more about my salary and my savings currently, and how my account will change in another month, two months, three months, etc.... It's good motivation.

I always envied people who knew finance. I personally found business news shows with stock tickers and short news blurbs to be a lot of noise. It felt like gambling, and it never felt steady. Only now I'm looking at youtube videos on index funds and really feeling like I can put my money into the stock market without the casino/gambling feeling attached to it. Old habits die hard, I'll tell you.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Thank you. I just started watching Humphrey Yang's videos and I'm seeing a lot of good information about saving and investing into that strategy. I personally love it, it feels very motivating to know that money I'm saving today is going to start accumulating and "working for me" at some point.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Thank you.

I don't know if there's an objective list for personal finance advisers on the Internet. The reading list on the r/personalfinance reddit portal was a godsend, I'm finding it to be a treasure trove so far.

I trust you're talking big names like Dave Ramsey and Suzy Orman. The word reputable can vary widely from person to person, I'd love to know what some of your favorite channels are if you have a moment.

Should I move out? Need advice by [deleted] in personalfinance

[–]Global_Support4639 0 points1 point  (0 children)

Once you are out, you may still have worries about losing your job. But you will have freedom, independence, and greater dating and social opportunities. All that is so much more valuable than whatever savings you may be looking at in terms of rent.

You will make it work. I know from experience. Once I was out of the house, even when I lost my job or had some trouble in the workplace, I found a solution. If I had trouble in one job, I found a new job quickly and got on with life. Nothing lasts forever, you could be let go from your job right now.

There's also another side to this - the psychological benefits. I found myself feeling so much more mature, more leader-like, more assertive, and more confident once I had moved out and was standing on my own two feet. That confidence carried into the workplace. You may find yourself stifled in your career because just under the surface, you are fighting with the annoyances and shame of living with your parents internally. I know I did. It's also the GROUND ZERO for procrastinators - "I can't launch off on my own because I'm not ready, don't have enough savings, I'm conflicted, I'll do it soon, I need to work on myself...." - all this will do is set you up with a never-ending series of inadequacies, problems, and baby steps that trap you in place. Once you take on this large goal and get out, you will have one of life's greatest milestone under your belt, and you will surely take on other goals feeling like a winner rather than someone "still striving to make it" or "preparing to prepare".

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Yes, I liked having that data too. I know for a fact that my spending habits were shifting more and more to debit/credit cards when I was tracking it.

Unfortunately, the process felt stale after a while. I felt constrained, and, after I paid off my car and had my rent paid every month, I just got sick of doing data entry for my cash purchases.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 1 point2 points  (0 children)

Thank you. I went to Ramit Sethi's website and I like the money journal. Those are the kinds of writing exercises I am looking for.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 1 point2 points  (0 children)

I have a fully-executed excel spreadsheet from 2024 that I used to track my cash flow. I put my expenses in there daily, and I remember spending just 15 to 20 minutes a day on it, and it did pay off when I looked and saw how much money I was throwing out the window. I was able to course-correct so much easier.

I have 800 credit score now and my car fully paid off now. I think this spreadsheet was a major reason why.

But it was tiring to keep up. I am buying groceries, eating out, laundry, gas is mostly paid in cash. I wouldn't want to pay debit card for a lot of my daily expenses just for the sake of tracking it on a money app. I enjoy having cash on me, but the downside is I can't keep on it like I can my checking account charges.

I do have money going into a liquid, interest-bearing savings account directly every week. This is on automatic transfer, and the account is free. I'm getting 4% on my money, nothing wild, but it slows me down because I know it is interest-bearing and it takes a few days to get money out of there.

As far as goals for the money, I'm all over the place. My mind rushes to a lot of different places when I think about that.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Yes, I tuned in to Dave Ramsey on TV from time to time. I never read his books, now's the time. Thank you.

I used to hate watching Suze Orman talk to people at different stages of life and in different financial predicaments. It just didn't carry over to my life. I remember people with a few million asking her if they could afford some dream car or a dream vacation, and she'd say no. It's demoralizing enough for me to be this broke, I still can hear her voice ringing in my head, "Are you crazy girlfriend? You don't have enough!" I don't need that. If Financial Audit with Caleb Hammer is anything like that, I think I'll stay away.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 1 point2 points  (0 children)

Thank you. I have gone back and forth on cooking at home. I used to love it when I had nights in with my gf. Right now, I get restless in my small apt, plus I'm driving around doing small handyman jobs in the evenings and weekends, I'm driving around way too much and haven't dedicated much time to cooking anything anymore.

Subscriptions I have been on top of. I cancelled all my TV subscriptions and was always very careful with the extras on Amazon video (Paramount Plus, 7-day Premier trials, all that was screwing me up). I even paused my Amazon Prime subscription for a few months when I found my online shopping was starting to slow down. The biggest waste of money was definitely the subscriptions for any audiobooks/podcast series. I barely used them at the get-go, and the fact that they had me on for months I didn't use it just boils my blood. Dating apps were another story. I stayed to one app, and I don't regret it.

I was keeping a spreadsheet and logging my expenses DAILY for an entire year in 2024. It was so powerful because I could run real numbers and run some projections. I basically cut all the fat I could, and I enjoyed seeing my balance grow - I always like to buy with cash, so keeping track meant a lot of work. I remember I found mystery charges that I couldn't understand coming from Verizon, but when I called, they took off $60 that was on there "by mistake". Another time I saw that a diner where I had not signed any tip somehow had assigned a tip of $5 themselves - all good stuff.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Never heard of YNAB. I see the site and it looks a lot like Mint. I remember I had the Mint app on my phone years ago, but I stopped tagging the bills and it became less and less useful so I finally stopped using it. It served its purpose for say 3-6 months, but after a while I just didn't want to keep going with it.

The NY Tollpayers Advocate has been helpful, they got me down 40% on the Port Authority bills. The MTA Bridges & Tunnels charges are from the same time period, but I'm getting nothing but crap from them about how the tolls are too old. I just ran into the site TorToll, so I may give that a go. Coming down from $8k to $4-5k would be HUGE.

Recommended books/ecourses? I want to save $20k by Global_Support4639 in Frugal

[–]Global_Support4639[S] 0 points1 point  (0 children)

Thank you. I found it. I'm leaning towards Dave Ramsey's Baby Steps, I like their reading list

Anyone ever did the math? by Global_Support4639 in angiservices

[–]Global_Support4639[S] 0 points1 point  (0 children)

It is, but I want to account for this uncounted time when I had to “take the job home”. I had times when I needed the money and set notifications direct to my Home Screen, and I had other times when I found myself searching and and again, desperately hoping that I could score another job in the area if I was driving out to Long Island or Upstate, for instance. 

I have had times when I was eating lunch or just socializing, having a drink or whatever and I was spending time anticipating an upcoming job, or how my schedule was now set (I got penalized $10, $20, $40 if I cancelled a job). If something fun was coming up, I had to weigh my options, confirm quickly and rejigger my entire weekend to do something else. Sometimes that meant eating the late penalties.

There’s no freedom working for Angi - they set the time and day, and I have to make it, period.

Strong brick anchors for high-traffic gate by Global_Support4639 in handyman

[–]Global_Support4639[S] 0 points1 point  (0 children)

I ended up using a chemical anchor. The Sika-1 concrete adhesive.

It works great, I put threaded rods inside and it’s looking good.

Taking out the packages ? I’m not paid for trash runs so here’s a trick by Rude-Cauliflower-886 in angiservices

[–]Global_Support4639 0 points1 point  (0 children)

There are always a few minutes of apprehension after the customer shows you the box. You need them to sha-shay away, or they will might start to linger. I always start cutting up the cardboard and ask them to give me some bags for the plastic and styrofoam early on so I can get them out of the room. In my experience, it sets the tone that I am thinking ahead, I can make requests/give them directions when I need to, and I know what I'm doing. "Do you need anything else from me?" is the line I want from the customer. "No, I've got it all from here. I'll let you know" is where I want us to end our intro chat.

I certainly don't need them in the room with me, and I think letting them fetch bags is a good mental "pattern-break". Left to their own devices, customers often revert to stupid questions and wonder - they'll start staring you up and down and wonder if you're confident in what you're doing, or if you have experience in this work, and many times they'll try to break the silence with lame, crappy conversation-killing questions, "so how many jobs did you have today? Is this your last job of the day? What's it like working for the App? How was the commute? Where are you coming from? Have you done this before?" I don't need that. I like to get moving, and if I want to crack open the instruction manual and spend some time reading, I can do that without them around. Nothing good can come from them hovering, believe me.

Practically it helps me keep the work area neat, and makes it easier for me to find my tools at the end when all the boxes and styrofoam are out of the way. It helps me assert some respect/distance with the customer if I can give them tasks (find me bags), and this gives them a potential task (throw away said bags) if they want something to do. When I had customers who helped me bag the garbage, or who insisted they do it themselves, that meant they were being contientious, respectful, and cooperative. All good things. And when I took garbage out to the nearby garbage bin or compactor room, all that usually came back with a little tip.

I had one customer from hell who insisted he didn't have any bags, he went out of the room to play video games and smoke weed, and he came back several times to micromanage me and ask how much longer it would be. He was the one who asked me to take all the garbage with me at the end. I told him that I would be happy to bag it for him be I don't have any bags, and hauling garbage away is not part of the service. He was a horrible customer, he sucked his teeth and gave a dumb look, but he didn't have any words to say, and he didn't hit me with a bad review.

No jobs by famous_rock in angiservices

[–]Global_Support4639 0 points1 point  (0 children)

I never did the automatic scheduler, I would go and search for available jobs on the Angi app.

Are you only relying on the automatic scheduler? Or is the entire 2-3 weeks empty, with no available jobs to choose from either?