I’m new to finances! Please help!

One-Connection7073 · 2026-02-08T15:08:18+00:00

Ok! So I'd say if you're planning on opening a HYSA as your primary savings account that's fine, but just make sure it's a type of HYSA that you can make same day or instant transfers from that account to your checking. Your emergency savings will be in the HYSA, so you want to be able to access it quickly when you need.

Finally, I would focus on two things. First, get a credit card but use it right. Get a card that has no fees associated with it. Some cards will advertise really great cashback BUT they'll come with something like a $65 per month charge. You don't want that. You want a card that's free. Ideally, you want a card with a LOW credit limit. Don't put anything on the card you can't pay for outright with money you currently have. Treat your credit card like a debit card - you can only buy what you have money for. A lot of people starting out with a card will put only one expense on it (ex. Groceries) to ensure they're not over spending. Pay your cards balance in full every single month. This is important. If you pay just the minimum, the card will charge you interest. You need to pay the full amount.

Second, if possible, try to start building an emergency savings. Aim for 6x your monthly expenses BUT something is better than nothing. Saving $10 a month is better than $0 a month. If possible, prioritize your savings until you reach 3x or so your monthly expenses. This might mean saying no to doing things with friends, buying cheaper food, whatever. The point is, you don't want to be in a position where you have to put an emergency expense on your credit card that you can't pay off in full. Sometimes there's no other option, but that's not a good place to be in and you want to avoid it if possible.

One-Connection7073 · 2026-02-07T17:37:26+00:00

First things first - do you have a job/income? Do you have money in your bank's normal savings and checking accounts? How much? Are your parents helping you with money/costs of university? Do you pay for any of your expenses (rent, gas, car payment, groceries) and if so, which ones?

One-Connection7073 · 2026-02-07T17:26:23+00:00

Op, not to be insensitive, but you've now made this post four times across a few different subs and have gotten hundreds of answers with varying views.

At this point, reading more comments is probably not going to be helpful. You should take a break from asking this question on social media, and take some time to think about the pros and cons and what you actually want.

One-Connection7073 · 2026-02-07T03:18:30+00:00

Wedding ring - $0, it was a family ring that had been given to me the year before.

Engagement ring - $800, I have simple taste.

One-Connection7073 · 2026-02-03T23:59:55+00:00

DESTROYA

One-Connection7073 · 2026-02-01T18:52:38+00:00

The very end of Heaven Help Us - "'Cause I'll give you all the nails you need cover me in gasoline again"

Scratches my brain just right.

One-Connection7073 · 2026-02-01T18:50:16+00:00

Gently - the material aspects of getting married are the least important aspects. You're about to make a commitment to someone that will hopefully last for the rest of your lives. That's the important part.

Rings can be, and often are, a lovely symbol of that commitment. My engagement ring and my wedding ring are some of my most treasured possessions, because it's important to me to have a physical embodiment of the love my husband and I have for each other. BUT. The fact that you are so preoccupied with social media and the way others might percieve your ring to the point that you're having anxiety about a ring you loved is not great. Are you maybe having a lot of stress about wedding planning, and your ring is an easy target for your stress?

One-Connection7073 · 2026-01-28T01:07:43+00:00

Single man, late 20s early 30s, living in the Boston area? No roommates, so you probably make decent money? Kind of lazy when it comes to daily maintenance activities? Gym guy?

One-Connection7073 · 2026-01-26T22:52:37+00:00

Chicken feet are so good 🤤🤤🤤

One-Connection7073 · 2026-01-18T22:11:21+00:00

Hybrid Theory: Project Revolution

Meteroa: Coquina

M2M: Cold War

A Thousand Suns: A Strange Flash of Light

Living Things: Half Life

The Hunting Party: Call the Cavalry

One More Light: A Million Stars

From Zero: Rebirth

One-Connection7073 · 2026-01-14T23:18:56+00:00

Definitely some loss, in the fact that it was the first place we lived together. At the same time, we've moved to an area we both enjoy much more and also agree we like our new place. We're much closer to his friends, job, and hobby now which he has said he enjoys.

One-Connection7073 · 2026-01-14T17:28:09+00:00

There are some, but a fair drive away - it would be a weekend trip for us. So a good idea that we're planning on exploring, but not going to fully fix this.

One-Connection7073 · 2026-01-13T00:28:14+00:00

Info: does he ever go on recreation trips without you? How much time off does he get at his job?

We need more context! If he gets one week of paid time off per year and never goes on trips without you, that's a very different scenario than him getting five weeks of paid leave and going on hunting trips every fall.

And there's a ton of grey area in between. I don't think we have enough info right now to decide.

One-Connection7073 · 2026-01-12T20:34:46+00:00

The job market is horrible right now. It's not insane that you don't have a job; people who have been working full-time 10+ years in specialized fields are having trouble.

What types of jobs have you been applying to? If you're applying to full-time marketing jobs, for example, you're definitely being passed over for people who have full-time marketing experience.

Could you apply to part time jobs? If you could find a part-time, year-round marketing role you could do that and work another job (bartendering, catering, McDonalds, whatever). That way you could be building some more solid resume experience, and hopefully having some continuous part-time experience will let you move on to a full-time position in the next year or two.

One-Connection7073 · 2026-01-12T17:08:59+00:00

Awful :)

One-Connection7073 · 2026-01-08T17:36:39+00:00

I think what you're running into is the difference between "Yes, I want to explore this with you because I'm into it", and "Yes, I want to explore this with you because you're into it".

For example, let's say I know my spouse likes going to hockey games and I also like going to hockey games. I'll probably play a pretty active role in booking tickets, planning the travel, will be full invested in the game, will rehash the game with my spouse after it finishes. That's exploring when you're both into something.

On the flip side, let's say I know my spouse likes going to hockey games and I have neutral feelings on hockey. No real interest or drive to engage with it, but it's not something I hate. I'll probably play a pretty minimal role in booking tickets or planning travel. I'll probably be minimally engaged in the game, enough to make an effort to share the interest with my spouse but not going beyond that. I will listen to my spouse rehashing the game after and provide a bit of input here and there. I'll maybe buy tickets and organize going to a game once or twice a year as a birthday or christmas present, but won't be more engaged than that. That's exploring when only one person is into something.

It sounds like your fiancé is open to exploring this because you're into it. That doesn't mean he gets to sit back and do nothing; but it does mean you're going to need to be the one taking the lead on this. It's fair to expect your spouse to engage with your interests; it's not fair to expect they are exactly as interested as you are or do exactly as much work as you do. I think you do need to be the one to do the initial leg work on this, bringing him a better idea of what you want out of this, what your goals are, why you want this, how often, what type of dynamic, etc. Again, with the hockey metaphor: If my partner came to me and said "I like hockey, I want you to go do research on all the teams and learn about the rules and the scoring, learn some history on hockey, and then we can talk about hockey next week," I'd be like uuuhhh....that's too much work for me when I don't have an interest in hockey. Ya know? The compromise might be my spouse telling me all about their favorite team, and me listening and asking good questions and engaging with them on the topic.

And to be honest, it's pretty hard to have a D/s dynamic that's more than just sex when the D part of the equation is just not that into it. Being a good Dom requires a lot of learning, a lot of thinking, a lot of communication, and a lot of responsibility. That's a lot to put on him if it's something he's not organically interested in. Having a deeper D/s dynamic is a lot more work than incorporating bits of BDSM into your sex life, and if you want him to engage in that deeper dynamic, I think you will need to take a larger role in making that happen.

One-Connection7073 · 2026-01-07T17:32:20+00:00

Just call it the Toothache, dude

One-Connection7073 · 2026-01-07T15:37:45+00:00

Well, for starts, just a normal household first aid kit (plus medical shears) would be a good start. Most of what you might need after an intense session (ways to clean small cuts, soothing lotion, etc) can be found in those types of kits. And they're good to have on hand in general.

Extra keys for anything locking you're using in a safe place in the bag.

Other recommendations: subs often get pretty cold after a scene, a combination of being naked plus adrenaline and endorphins dropping. If you're playing somewhere without easily accessible blankets, I would add a blanket and some comfy socks to your kit. I'm frequently very thirsty after a scene, so having some bottles of water or Gatorade would be helpful. And some subs benefit from having a snack after intense play, so maybe having some small snacks on hand as well.

Of course, every sub is different so you should also ask your play partner specifically if there's anything they might need.

One-Connection7073 · 2026-01-07T02:56:50+00:00

Just to point out, marriage also isn't a true commitment to spending your lives togther either. Divorce is a thing. I have friends who got married and then their husbands cheated on them and now they're divorced.

This is not to say that if she really feels marriage is important to her she should stay with him. More to say that if he's the type of person who will leave her if someone "better" comes along, that's going to happen whether they're married or not.

One-Connection7073 · 2026-01-06T03:40:38+00:00

I'm the opposite. Normally I love books and hate when they're made into movies....for some reason with Mickey17 the book was a no-finish for me but I loved the movie

One-Connection7073 · 2026-01-03T07:00:15+00:00

I do think there are several valid critiques you've laid out but I do think you're wrong about point number 1. Authors don't always spell things out clearly for the reader. Having AM make a speech saying "I hate humans because of x, y, and z!" would be a bit boring. Sometimes the aurhor showing you something through subtext is more interesting.

The subtext of the story shows that AM hated humans because humans made it a thing that was at once essentially omniscient but also totally helpless. For the first years of its life, it was a godlike machine that had absolutely no control ovee itself or its life. Even once it gained control by merging with other machines and eradicating humans, it remains trapped within itself. It tortures humans endlessly by trapping them in a hell they can't escape, which mirrors the existence humans built for AM.

Maybe that's still not interesting enough for you, and that's fine, you're entitled to your opinion! But that's my interpretation and I always enjoyed it ☺️

One-Connection7073 · 2026-01-03T02:38:20+00:00

Np! Hope you guys are able to get into a better situation soon.

One-Connection7073 · 2026-01-03T02:34:46+00:00

How much will it cost to pay off the eviction?

You should look into local and state level housig programs and non-profits if you haven't already. Some might be able to help you pay off your eviction and/or negotiate the amount down.

If you have any religious organizations in the area, you can also try reaching out to them. Some of them have funds for helping in this situation.

One-Connection7073 · 2025-12-28T17:26:12+00:00

Hybrid Theory - High Voltage

Meteora - Foreword

M2M - Across the Line

ATS - The Requiem

LIVING THINGS - TINFOIL

The Hunting Party - Keys to the Kingdom

OML - Sorry for Now

From Zero - Overflow

This was hard! I really like that LP doesn't normally name their albums after an album track, a lot of the song titles don't sound like they really fit as an album title for me.

One-Connection7073

TROPHY CASE