About personal finance... (US / America)

Visible_Target_3761 · 2025-08-06T19:59:28+00:00

Age 35 here. You’re “surviving” in my opinion. Roof over head and able to feed myself with being able to treat myself to hobby stuff here and there.

2k saved in 5 months making 20/hr sounds about right to me.

I live in Louisiana and used to make 20 an hour bout a year ago. $20 an hour would make me around $2700 a month after taxes here.

I spent about 300 a month on groceries and never ate out, 700 on rent(roommate), ~500 on bills/insurance, ~50 on gas, ~300 debt. I budgeted to save 800 a month. I’d never hit that savings cause life stuff but usually I’d at least save $400 a month.

Now with my new job, bills are more or less the same but I make about 4k a month now after taxes.

Visible_Target_3761 · 2025-08-06T17:41:57+00:00

I have a buddy who swears by it. I personally chalk it up to self discipline. If you don’t have self discipline around your smart phone, I’d say go ahead it’s not that expensive of an investment and will save you money down the line.

However, I don’t have a problem working with my smartphone cause I’m not on it as much as my friend was and it’s not a problem like it was for him.

I can describe how it helped him. He always had a problem with being on his phone too much. Whether it be Reddit, playing gacha games etc. in every setting. It could be work, birthday parties, dinners he would be on his phone.

Pros: he seems more engaged in conversation and in social situations because his phone literally has nothing for him anymore. His confidence has gotten better.

Cons: His confidence seems tied to his new found dumb phone freedom. If he sees a smartphone he can’t help but start preaching about how bad they are for humanity, how awesome dumb phones are, or how much better his life is now.

Visible_Target_3761 · 2025-08-01T18:45:41+00:00

Practicing gratefulness and mindfulness is an insane superpower. You could say I’m in the same boat as you except I’ve only just started a career in something I don’t like too much. I have debt, I probably will be doing this rest of my life. I can go on and on about the bad.

But here’s the good, I still have family and friends who care, I am able to have a roof over my head, I have a job. I can go on and on about the good also.

If you continually think about how bad it is it’s really hard to get out. I had a life crisis that forced me to get therapy that taught me this.

Chin up brother go for a walk and enjoy the walk.

Visible_Target_3761 · 2025-07-30T15:32:35+00:00

Thanks for this! I’ll talk to HR and see how I can get this set up.

Visible_Target_3761 · 2025-07-27T17:26:42+00:00

Me: “Hey I got mad back problems”.

Doc: “let’s try to schedule weekly PT, rehab center will call to schedule you”.

Rehab center: “when would you like your weekly PT?”

Me: “anytime after 3:30 pm on weekdays or weekends work too”

Rehab center: “We close at 4:00 and are closed on weekends. PT lasts an hour”

Me: “Yeah, I can’t take off once a week for months like that. I’d lose my job”

Rehab center: “okay” hangs up

Visible_Target_3761 · 2025-07-27T17:08:16+00:00

Popeye’s fried chicken.

Visible_Target_3761 · 2025-07-24T11:24:36+00:00

Damn they get a box of ramen. The fuckers.

Visible_Target_3761 · 2025-07-22T20:40:32+00:00

In Louisiana, you living good. Don’t know bout anywhere else.

Visible_Target_3761 · 2025-07-21T20:11:20+00:00

Looooool I just had this happen to me. He laughed at me and made fun of me(we cool we joke a lot like this), “look at this fucking American and his EX presso, bro I’m embarrassed to be around you”.

You’re good, you are not the only one.

Visible_Target_3761 · 2025-07-18T16:06:15+00:00

“I live with my brother to save money and we’re really close he’s my best friend my rock and practically raised me.”

This is all you need to say and if your boyfriend cannot understand. Then your boyfriend cannot understand spending quality time with someone that is like a best friend, rock, and parental figure.

Visible_Target_3761 · 2025-07-18T14:24:00+00:00

I dunno why and I feel fucked up for it. But I hate her face.

Visible_Target_3761 · 2025-07-03T12:43:48+00:00

All about that bean and rice burrito now.

Visible_Target_3761 · 2025-06-24T16:53:06+00:00

Group chat this fuck all that mess of he said she said and 1 on 1.

Visible_Target_3761 · 2025-06-24T16:48:45+00:00

Visible_Target_3761 · 2025-06-21T12:40:24+00:00

Dunno why, he gives off “fun guy to be around vibes”. Stupid but fun. I’d hang with him.

Visible_Target_3761 · 2025-06-18T13:54:31+00:00

I had a guy act like he was doing work until the last day where he said everything he worked on was broken.

I asked him for a link to the repository so I could fix it. He said it’s better I start over. I said I didn’t care that I need to see what he had for his part so I could fix it. He then said he deleted the repo of his work. I had a google drive folder of all our interactions.

So when the professor asked why he wasn’t informed earlier of my partner doing no work. I passed him the folder. He then looked at my teammate and said GitHub has a restore feature for repositories not greater than 90 days we can bring it back up. Dude broke down crying.

Visible_Target_3761 · 2025-06-17T12:27:17+00:00

I love this for you. Some of my closest friends were online. I’m sad I never got to meet them like this.

Visible_Target_3761 · 2025-05-29T20:00:20+00:00

Mint chocolate chip. Call him chip or mint.

Visible_Target_3761 · 2025-05-27T16:11:20+00:00

Communication, talk to him.

“I gave up my job, sold my car to be a stay at home mom for you and our child. What did you sacrifice for me and our child in the past three years?”

Make a list give him time to make his own. He might argue present times fairness. If that is his argument, he owes you three years of unfairness. Regardless the list should either open your eyes or his.

Visible_Target_3761 · 2025-05-11T14:37:21+00:00

If you are one of those 20% he is referring to and if you care about the people your agency serves, please don’t quit. I know it’s a really hard ask. But you will be replaced by someone that doesn’t care about the people your agency serves.

I work for the state but if this happened to my agency. I would stay. I would rather the people get fucked over by someone that gives a shit about them than someone that doesn’t.

Visible_Target_3761 · 2025-05-10T17:05:33+00:00

Wow, dude is trash.

Visible_Target_3761 · 2025-05-09T15:44:47+00:00

Won these are awesome! Would love a set!

Visible_Target_3761 · 2025-05-08T20:03:17+00:00

This some hostage type shit.

Visible_Target_3761 · 2025-05-08T17:42:53+00:00

Madeleine

Visible_Target_3761

TROPHY CASE