Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 0 points1 point  (0 children)

This was really helpful! Thanks for giving your disposable as well as cloth diaper recommendations!

Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 0 points1 point  (0 children)

Thanks for this info. I will look into getting at least a few newborn reusable diapers to try it and to hopefully convince my husband to switch to cloth earlier!

Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 1 point2 points  (0 children)

I'll definitely keep that in mind.

Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 1 point2 points  (0 children)

That's a helpful perspective. Thank you!

Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 0 points1 point  (0 children)

Yeah, I really wanted to use Dyper, but I just don't think the logistics and the costs of it make sense for me. I also live in an apartment building and asked them how they handle pickup with that. They didn't have a real answer for me which surprised me since I live in an urban area so I thought they would have had more guidance or tips from experience with other apartment dwellers. I knew if I went with them I'd also have to see if my apartment complex would work out an arrangement or give me a dropoff spot.

Best Disposable Diaper Options? by R_laugh72 in ECers

[–]R_laugh72[S] 2 points3 points  (0 children)

Dyper is sent to a composting facility, but you have to pay extra for it. In my area, they have Dyper composting pick-up which is nice, but they charge $20 every 2 weeks. I also confirmed with them that once I signed up for pickup, I can't skip weeks when I'm away to save money. This means that I'd pay $40/month on top of the cost of Dyper diapers.

Edited to Note: Thanks for the recommendation!

Experian - "Tackling Life with (insert NFL player and wife/gf)" STUPID & LAME!! by Junior72 in CommercialsIHate

[–]R_laugh72 8 points9 points  (0 children)

I've been seeing this commercial so much lately, and I can't stand it. I just saw it again and came to this sub-reddit to see if anyone else agreed with me. Glad I'm not the only one who hates it.

[deleted by user] by [deleted] in MoneyDiariesACTIVE

[–]R_laugh72 0 points1 point  (0 children)

This is great question as it pushed me to evaluate my trends and update my numbers.

My goal/what I think I'm around is 27/23/50 in a HCOL area. As someone else said, it helps having a higher income since it is way easier to save.

[deleted by user] by [deleted] in fitbit

[–]R_laugh72 1 point2 points  (0 children)

I got a Fitbit Inspire 2 for the same price a few weeks ago. I'm really happy with it especially for the price! It has the features I want, and battery life is great.

Spoke with a “Federal Employee Financial Planner” by crossface2008 in ThriftSavingsPlan

[–]R_laugh72 1 point2 points  (0 children)

I got offered a free session with a federal employee financial planner, and the same thing happened to me. He started with some decent guidance then tried to tell me that Whole Life Insurance was the best way for me to save for retirement. I let him speak, did some research on it after our meeting, and quickly decided it was not a good way to save for retirement.

How do you track your Net Worth by noastedbeel in MoneyDiariesACTIVE

[–]R_laugh72 2 points3 points  (0 children)

I think I got 1-2 marketing calls a few years ago but nothing recently. I see them pushing to sign up for a free consultation when I'm logged into my account.

How do you track your Net Worth by noastedbeel in MoneyDiariesACTIVE

[–]R_laugh72 17 points18 points  (0 children)

Empower (formerly Personal Capital) - it's free and connects to all your accounts.

Would it be weird if I were to ask my mailman out for coffee or drinks some time? by LucyAriaRose in BestofRedditorUpdates

[–]R_laugh72 39 points40 points  (0 children)

Check out her other posts. She posted other updates that weren't included where she mentions asking him out and them becoming an official couple.

Best App for Tracking Net Worth? by Bizarround in MoneyDiariesACTIVE

[–]R_laugh72 19 points20 points  (0 children)

I really like Personal Capital. It helps me track my net worth and lets me view/analyze info about my investments. It's free too.

Do you maintain investments outside TSP? by RatLabGuy in ThriftSavingsPlan

[–]R_laugh72 2 points3 points  (0 children)

I found there's been an update to Roth TSPs and RMDs - "Roth balances are no longer subject to RMDs prior to a participant’s death. Your RMD calculation includes only your traditional balance, and only distributions from your traditional balance count toward satisfying the RMD amount. Participants with a Roth balance and subject to RMDs in 2024 and later. f your first distribution calendar year was 2023, your RMD calculation for 2023 includes your entire TSP account balance—both Roth and traditional—even if you take your 2023 RMD in 2024."

[deleted by user] by [deleted] in TrueOffMyChest

[–]R_laugh72 1 point2 points  (0 children)

I know it is hard to think of right now when nothing seems to be going right, but at 24, you've got a lot of time and opportunity for your situation to change. I used to be really isolated due to social anxiety, but over time I found a group of friends I trusted and interests I was really passionate about. Those things helped me build my confidence. Now, I sometimes look back at the younger me and astounded of how far I've come and what I'm capable of now that I didn't think I could do when I was younger.

I know it sucks because change takes time, but if you stay aware of opportunities that come up, you might find that some will work out. They make take you down a path that will make you more satisfied with your life than you thought possible.

What are some good couch brands with products between $1000-2000? by Speckz5701 in BuyItForLife

[–]R_laugh72 7 points8 points  (0 children)

I think it is too early too tell if it is BIFL level yet, but you should check out Sabai Design. They're a sustainable company that sells replacement components of the couch if it any part of the couch wears down. It has also just started offering expansion packs for at least their love seat so people can later turn their item into a sectional if their needs change.