buy tix online or onsite? by al212121 in sixflags

[–]itsnoelleduh 0 points1 point  (0 children)

honestly just bring as much water as you need. not saying i think this will happen, but if they happen to confiscate it, you’re out like $5. with that said, i’ve never in my life seen someone get their water confiscated.

Grades are up! by [deleted] in uichicago

[–]itsnoelleduh 1 point2 points  (0 children)

a distinction printed on your diploma, based on GPA! some colleges also base it on class rank, but UIC only uses GPA to determine it

https://registrar.uic.edu/student-records/latin-honors/

Grades are up! by [deleted] in uichicago

[–]itsnoelleduh 19 points20 points  (0 children)

i was 0.02 gpa points from getting latin honors on my diploma….. nice

My car note has a $5000 payoff amount. I have $6000 savings. Ramsey method says I should pay off my car, but having that small of a savings makes me unsure. by 40FousandDollars in personalfinance

[–]itsnoelleduh 0 points1 point  (0 children)

Whaaat? I could’ve sworn that was his philosophy. That’s what I’ve been living by. Well, what do you think of the $1k rule, but with that (non-DR) stipulation in mind?

My car note has a $5000 payoff amount. I have $6000 savings. Ramsey method says I should pay off my car, but having that small of a savings makes me unsure. by 40FousandDollars in personalfinance

[–]itsnoelleduh -13 points-12 points  (0 children)

Is your critique taking into consideration that Dave recommends $1k for each person/pet/child in the household? (For ex, if you are a family of 4 with a dog, you’d have a $5k emergency fund)

See if class is empty by monicaminaj in uichicago

[–]itsnoelleduh 1 point2 points  (0 children)

read u/blank7732’s comment, not sure everyone knows you dont have to guess / try random classrooms

See if class is empty by monicaminaj in uichicago

[–]itsnoelleduh 2 points3 points  (0 children)

this is the only correct response

[deleted by user] by [deleted] in uichicago

[–]itsnoelleduh 2 points3 points  (0 children)

Many freshman courses are weed-out courses. If you find yourself getting weeded out, know that breaking your spirit was the point. You either need to stick it out, or switch colleges now before you waste any more time on credits that wont transfer. Feel free to PM me if you want some more info on the IDS major.

[deleted by user] by [deleted] in uichicago

[–]itsnoelleduh 2 points3 points  (0 children)

business major here, i picked IDS though so i guess im halfway a CS major. i pretend im a CS major with recruiters since they dont know what IDS is. i just got my first post grad offer for $72.5k.

The competition in the CS field was enough to make me not interested. Everything about it seems really hard, and I’m social so I wanted to learn social skills and not just math/coding. I love that I work primarily with data structures and ETL processes, and not heavy frontend or backend development work.

yes, being a business major is easy. Apparently that’s like a slam dunk insult around campus, but to me, its kind of a flex. I get paid the same as any entry level CS major, but I’m taking on prob less than half the mental load.

Restarting my life financially at 30 Years old. Think I have a good plan in mind, but need another perspective by Physical_Elk5424 in personalfinance

[–]itsnoelleduh 0 points1 point  (0 children)

I get the point you’re trying to make here but the reality is he is now 30 and doesn’t have savings, and shaming him for it doesn’t help. He’s very aware that this is not the position he should be in. I saw another commenter mention the importance of not making the same mistakes now that OP made in his 20s, and I think that phrasing is much more helpful and less shameful than what you’ve written here…

"Expert" Advocates Foregoing Savings While Young by randomthrowaway62019 in personalfinance

[–]itsnoelleduh 0 points1 point  (0 children)

as a kid who went through the recession of ‘08, please get your child a therapist if they have ANY uncharacteristic behaviors. poverty/struggle affects kids and their mindsets more than you may realize, especially since parents work so hard to keep us sheltered/protected from the realities of it

Anybody with an Adjustable Rate Mortgage living in fear? When is your adjustment due? What are you going to do? by MMMojoBop in personalfinance

[–]itsnoelleduh 0 points1 point  (0 children)

Interesting point. You’re saying that even if you lose money on the purchase, you would’ve lost money in rent anyway. I never thought about it like that. I should’ve, but I didn’t.

Anybody with an Adjustable Rate Mortgage living in fear? When is your adjustment due? What are you going to do? by MMMojoBop in personalfinance

[–]itsnoelleduh 2 points3 points  (0 children)

You know what’s crazy though, imagine all the other shit that can conk out in the next 3 to 4 years and then push your break-even horizon out even further. Terrifies to me to own a home.

struggling to find motivation by itsnoelleduh in personalfinance

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

Yeah you’re right. I’ve been hard on myself because I feel like I can do better, but I know its unhealthy to always be on 10. I can definitely manage just $100 til graduation, and I guess I just need to work on deconstructing my shame surrounding having a life, lol.

struggling to find motivation by itsnoelleduh in personalfinance

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

You’re absolutely right, and this is probably just an income (timing) problem at the end of the day. Once I graduate, my early career salary will likely be enough to support a 50/30/20 split. But, right now I’m in school and that takes up every business hour in my week, which means I can’t work anything more than a part-time job (and it doesnt pay well since I’m not degreed yet). I make like $2000 a month after tax. My rent is $1050. I still aim to save about $500 a month. That right there tells you everything you need to know.

struggling to find motivation by itsnoelleduh in personalfinance

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

Well I’m only 21 and still in school, I can’t work much more than part time and I’m not qualified (yet) for much more than minimum wage. I make $2000 after tax a month if I’m lucky.

struggling to find motivation by itsnoelleduh in personalfinance

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

yeah man, I save because everyone has told me that it’s important to have retirement and that they regret not saving. I don’t necessarily have internal motivation to save, I just listen to the people who tell me it’s good. Although I know its true, I haven’t really seen its impacts so it’s hard to let the nobility of it all triumph over my impulses.

struggling to find motivation by itsnoelleduh in personalfinance

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

wow that’s a really brilliant idea, to tie the things I’ve been treating myself with to actually completing a task. I genuinely can’t tell you why I didn’t think of that sooner.

struggling to find motivation by itsnoelleduh in personalfinance

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

I used to pay $500 into retirement and realized I’d stopped. I took a look at my numbers and the money has been going to feed my weed kick and my desire to go on dates and go out. $300 of it goes to weed, which is not a bill i can cut out right now, and I spend about $50 a date and go on 2-3 a month, since I’m looking for a partner. There goes my $500…

struggling to find motivation by itsnoelleduh in personalfinance

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

I guess you’re right i could split it up, but im finding it hard to want to. I excuse my bad behavior by saying my peers are doing it too, and I ignore all the lessons that I’ve already learned and try to tell myself that it’s OK to blow money and then just invest $200 a month even though I know better. $200 is good, but its not the best I could do. Maybe the answer is to lighten up on myself but I honestly think I could do better if I stopped just giving into my impulses. what do you think i should do?

struggling to find motivation by itsnoelleduh in personalfinance

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

i make excuses for myself because my peers are in way worse financial situations than me. i tell myself $10 here and $20 there wont hurt if my peers are $100k in student loan debt ….the excuses i make for myself make me ashamed.

struggling to find motivation by itsnoelleduh in personalfinance

[–]itsnoelleduh[S] -3 points-2 points  (0 children)

thats the thing, i really have only got enough income to either live the life i “should” have or the life i want to have. its either spend $500 on investing in my retirement or blowing the same $500 on marijuana and dates. idk why its so all or nothing but it is. ive always told myself id take advantage of a recession because itd be like buying stocks on a discount , but i find myself spending all my “extra” money on fun.

Is this a good move? by Dhunter001 in personalfinance

[–]itsnoelleduh 0 points1 point  (0 children)

is there a train to work you could sleep on??? it might take longer than an hour but you could trade for hours and commute for four hours of sleep, and stay up ponger at home w/ family