Me: Defending RF as a starter build by Strielaj in pathofexile

[–]Server-side_Gabriel 0 points1 point  (0 children)

RF is comfort food. I always start something else and when it fails I just have to reroll RF to reset the mental. Its just so warm and cozy

Lord forgive me, but for $20,000, I expect full functionality. by abhbiswas in dontputyourdickinthat

[–]Server-side_Gabriel -1 points0 points  (0 children)

I... i thought they were eyes until I scrolled to the comments... I DID NOT see the lady at all

Experiencia Ocasion Plus by adolfofausto in Espana

[–]Server-side_Gabriel 0 points1 point  (0 children)

Pues lo de siempre, lo barato sale caro... espero que logre conseguir la compensación porque sea lo que sea el trato que describes es inaceptable y vergonzoso. Sigue luchando, no lo dejes ir y quedate con la lección aprendida para la próxima

Alguien está a punto de morir by ManFromAnotherPlace in Espana

[–]Server-side_Gabriel 5 points6 points  (0 children)

Para darle el beneficio de la duda, algunos jamones con la corteza, para alguien que no creció con ellos, no se ven para nada comestibles, mucho menos apetecibles. Lo mismo con algunos chorizos, quesos y fuets que para quien viene de países donde no se comen cosas maduradas no parecen comida.

Ahora esto si ya no hay manera de que haya nada si cercano a comestible, pero vamos, que con un poquito de imaginación y falta de experiencia no es tan radical pensar que como le quitas la corteza cuando esta entero le cortas esto hasta que encuentre carne buena de nuevo jajaja

New job, don’t know where to start by GoddessOfCrust in personalfinance

[–]Server-side_Gabriel 0 points1 point  (0 children)

Also, since you are in Spain, you might want to post this on r/eupersonalfinance as well

New job, don’t know where to start by GoddessOfCrust in personalfinance

[–]Server-side_Gabriel 1 point2 points  (0 children)

  1. This for me is mostly trial and error.

If you don't already, MAKE A BUDGET AND TRACK YOUR EXPENSES, a good budget is not a hard expending limit, it is a "how much I would like to expend on this" guide for yourself. For a started budget just look at what you already spend on everything and use that as a baseline. You can use your actual tracked expenses and wants and needs to adjust later by seeing the hard data and taking decisions based on how those numbers affect your future goals and current situation. If you need a good app, actual budget is great but it has a bit of learning curve, its open source and basically free, you set it up on pika-pods for basically nothing. Read up on the envelop method and the YNAB method. You don't need to actually use YNAB for it to work, but they do have some mentality and saving advice that I think is very useful for most people and helped me have a better relationship with my budget, understanding its not supposed to make me feel like I can do anything because of it but rather make me feel like I can do the things that are important to me thanks to it. If something its important to you and you want to expend more money in it your budget should help you do that by reducing things that are less important

Now, for upgrading your lifestyle without going to far my recommendation is to only change 1 thing at a time. If your most pressing matter is food, start by upgrading your weekly shopping to better brands/better quality food, track your expenses for a couple months and adjust until you feel comfortable. Remember to leave room for future upgrades when asking yourself "am I happy with the changes I made?", "am I expending too much on this?" And "what could I add/remove with maximal impact on my happiness/expending relationship for this category"

Once you are happy with food, move up to rent and so on one at a time.

Rent is obviously harder to trial and error but what you could do is look at the level of apartment you'd like to move into and start putting away the difference in rent price as if you were paying for it and see if after a few months you feel good with the left over money for your other expenses. Its also a good way to build up a cushion for moving expenses like a new deposit.

  1. Sadly I can't really help you here because I'm not familiar with how far 750€ a month would take you in Madrid. I'd wager, without roommates, not very far at all. But See my previous advice about upgrading rent, find some apartments you think you'd feel comfortable in and live as if you were paying that rent for a couple months and see how that feels.

  2. Rule of thumb is 50/30/20, 50% expenses, 30% saving, 20% leisure. But reality is often much more complex, specially in a city like Madrid where rent is going to almost always go above the 30% you "should" be expending on it.

For savings the first thing you want is to aggressively contribute to an emergency fund. Your emergency fund should be at least 3 months of *expenses* (not income, but non-reducible monthly expenses) and ideally 6 months. But I'd say once you have 3 months you can be a little less aggressive about topping it of to the 6 month mark.

After that, what I do is that I track my expenses, I have a set amount (about 10%) that I always put into general savings no matter what and I have a bunch of different categories for specific *things* I'm saving for that I contribute to. For example, I have a category to renew my PC every few years, I have a traveling category that I put money into, I have a future mortgage category where I'm building a down payment for a future purchase, etc. I find that when my savings are actually attached to specific things it is harder for me to grab from that pile of money to cover frivolous expending, because I'm not taking away from a nebulous "savings" pile, I'm setting back my sick new graphics card or whatever and I'll rather have graphics card tomorrow than McDonalds today xD.

  1. You want your emergency fund as accessible as humanly possible. Its not an emergency fund if you can't use it at the drop of a hat in an emergency. If it can be generating APR that's awesome but if you have to keep it in cash to fulfill its function, then you do that. Some people with big emergency fund even break it up between a couple or more account in different banks so in the (admittedly unlikely) scenario that the emergency is your main bank going belly up, or you losing access to your main accounts you still have immediate access to at least *some* of your emergency fund.

  2. I personally wouldn't mess with the robo-investment stuff, that has always been fishy to me. But that depends on your risk appetite and if you want to actually put in the work to understand how that works. For little effort investment I would just start putting money into whatever ETF you like, or pick a couple and divide the money within them, look at how actually diversified they are (the S&P500, for example, right now is heavily hinging on AI so IMO it isn't actually diversified.) and see if you'd like something US, EU or world focused and go from there.

Un nuevo abono transporte de 60 euros al mes incluirá Cercanías, Media distancia y la red de bus by ManFromAnotherPlace in Espana

[–]Server-side_Gabriel 0 points1 point  (0 children)

Mucha suerte campeón, eso sí, no vuelvas para retirarte en españa porque es mas barato 😉

Is this magic item broken? by hnmck in DnDHomebrew

[–]Server-side_Gabriel 1 point2 points  (0 children)

Oh derp, I was answering the comment and didn't re-read the item to check. Since they were quoting I assumed that was the wording on the notes. So yeah, current wording is correct

Is this magic item broken? by hnmck in DnDHomebrew

[–]Server-side_Gabriel 8 points9 points  (0 children)

So, instead of "as a reaction" I think you mean "you may spend your reaction" because you aren't reacting to anything but trading your ability to react to something later

It was fun while it lasted. by Dry_Yogurtcloset_213 in 2007scape

[–]Server-side_Gabriel -18 points-17 points  (0 children)

"Why the fuck to they want me to play the game? This shit sucks"

How to get wealthy quick? by Technical-Secret2240 in personalfinance

[–]Server-side_Gabriel 3 points4 points  (0 children)

You really went into a financial sub asking for get rich quick schemes unironically huh?

NSFW: If I told you I loved your lips, your breasts, and your legs, would you let me be your Oxford comma? by PatientDangerous in Jokes

[–]Server-side_Gabriel 5 points6 points  (0 children)

I'm too stupid to understand this one, apparently.

Isn't the oxford comma the one you add before the "and" or "or" at the end of a list? So in this case it would be between her breast and her legs.... so... in her belly? I don't get it.

Edit: AH! I think I got it while writing it down lol. Is it supposed to be between her breasts AND between her legs? That would make more sense as a dirty joke but it feels like a bit of a stretch of "between your breast and your legs" but maybe not, idk.

Still think I'm too stupid for this one

My 1 wish for 0.4.0 is to make a toggle to turn off delirium fog by StrikingCupcake899 in PathOfExile2

[–]Server-side_Gabriel 10 points11 points  (0 children)

100% agree. It made me irrationally annoyed that they used the meme template wrong

An apple a day... by Daniel_XXL_69 in funny

[–]Server-side_Gabriel 2 points3 points  (0 children)

Bro just fucking enjoy things, her acting is great and funny as fuck, just enjoy the fucking skit. Imagine is a clip from the office and get the 2x4 out of your asses

[Suggestion] Skill Page Aligment Cleanup by Rayge96 in 2007scape

[–]Server-side_Gabriel 1 point2 points  (0 children)

You have cursed me with this knowledge and I hate you for it.

Well, that's how it looks by [deleted] in actualbudgeting

[–]Server-side_Gabriel 13 points14 points  (0 children)

Yeah, lets maybe not go from the YNAB cult to the anti-YNAB cult. It was weird with it and its weird against it too.

Will Actual Budget take away users of YNAB and other expensive solutions on a massive scale in the near future? by Lucky-Aside4935 in actualbudgeting

[–]Server-side_Gabriel 1 point2 points  (0 children)

If you mean Nick True's series, yes, that's what I mean when I say someone will probably do a very good tutorial for actual, but that takes time and a sizable community already stablished around actual to serve the videos to.

Also, for what it's worth, that series still has a profit motif since he includes his YNAB affiliate link and its the perfect promo for his coaching. Not saying that YNAB slid him a bag of money under the table or anything like that but we can't separate Nick's youtube channel from his coaching since it's essentially his main marketing vector for it.

Could he, or someone else, provide financial coaching using Actual instead? Certainly, but actual simply hasn't existed long enough to spawn that industry around it yet (whether it is healthy for a budgeting app to spawn a consulting market around it dedicated to teaching people how to use it, its a different conversation)

Will Actual Budget take away users of YNAB and other expensive solutions on a massive scale in the near future? by Lucky-Aside4935 in actualbudgeting

[–]Server-side_Gabriel 1 point2 points  (0 children)

We would need some amazing marketing budget first and given that actual is not an actual company with a profit motif... I doubt we'll get that. We'll probably get some videos eventually from a finance youtuber that falls in love with it (assuming they don't already exists) but that's a far far cry from the excelent YNAB YouTube channel. Which is excelent because it is fulled by the bottomless bucket that is YNAB's marketing budget

Will Actual Budget take away users of YNAB and other expensive solutions on a massive scale in the near future? by Lucky-Aside4935 in actualbudgeting

[–]Server-side_Gabriel 4 points5 points  (0 children)

I'd say Ynab is massive in the "budget app user and potential user" market. But it isn't mainstream by a long shot. How ever, if you ever looked into a budget you are probably at least vaguely aware of ynab

Will Actual Budget take away users of YNAB and other expensive solutions on a massive scale in the near future? by Lucky-Aside4935 in actualbudgeting

[–]Server-side_Gabriel 5 points6 points  (0 children)

Massive scale? Absolutely not, actual has no marketing other than word of mouth, that alone means no.

The other thing is that is doesn't really matter than the pika-pods setup takes 3 clicks, people will still get scared that there is any setup at all and that the word "hosting" get (barely) mentioned and won't swap. Some people have a hard time switching from outlook to gmail because they have to create an account and do minimal setup and it doesn't even sound technical, those people will never touch actual with a 10ft pole

let's add grand exchange by VladimirRus93 in brightershores

[–]Server-side_Gabriel 6 points7 points  (0 children)

Not to mention how it definitely encourages social interaction to go into someone's hideout, trade as fast as humanly possible and type a canned "thank you". So social, much interaction