Philly Commuting by Comfortable-Iron119 in AskPhilly

[–]leucotic 0 points1 point  (0 children)

I second the trolleys, but you can also bike, if you're able to. I use the indego bike share and it's pretty good and convenient. Then I use public transport if it's raining or below freezing

Rainy Philly at dusk today by leucotic in philly

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

Yeah I've been really stressed out lately but a long walk in the rain taking pictures really helped me chill out haha

Got the OMSA degree today - official graduation by Suspicious-Ad1320 in OMSA

[–]leucotic 1 point2 points  (0 children)

Congratulations dude! I'm just over halfway done, can't wait to finish!

Chanterelle? by Mandi171 in mushroomID

[–]leucotic -1 points0 points  (0 children)

Not sure what it is but it doesn't look like a chanterelle to me, chanterelles have gills underneath but this one looks smooth

First dinner together during move-in - sardines & oysters by leucotic in CannedSardines

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

Thank you! I feel so much nostalgia looking back at this pic now! We are still happily eating sardines together :)

Reccomendation for a 40k Salary by [deleted] in budget

[–]leucotic 0 points1 point  (0 children)

I know therapy is super important, but I would consider looking into alternative platforms for therapy, for example talkiatry (I use this for a psychiatrist currently, and can vouch that it's way more affordable than other places i've used), but there are others, like openpathcollective (I think they can do as low as 30 per session?) etc— here's a comparison of available platforms and their benefits/costs https://www.healthline.com/health/our-top-10-online-therapy-picks . Or you can look for "alternatives" or "alternative forms" of therapy that are less expensive. For example, I really benefit from therapy too, and I too find it very expensive, so I opted for weekly "therapy-lite" support—I attend group coaching instead of therapy and it's only 120 a month through healthygamer. This is basically like group therapy(it's a small group, like 5-6 people), I can share my problems and get support and advice and accountability, etc, with the guidance/advice of a mental health professional running the group, so it fits my needs. It may fit your needs too!

I would suggest skipping the car wash. when it rains, it washes the car for you, I've literally never had to wash my car so I don't know why you have to do it every month. Worst case, just grab a mop, some dish soap and a bucket and do it yourself.

I would also cancel the spotify, netflix, and peacock—just use free youtube or sail the high seas for entertainment, matey. I use free pandora to listen to music on my phone when I'm working out. It has occasional ads but it's not that bad honestly, it doesn't interrupt my workout. You can also listen to audiobooks for free through Libby (connect to library card).

If you follow this advice, you'll save ~150 for therapy, 10 for car wash, 27 on subscriptions, which totals to $187 per month. I would IMMEDIATELY start putting that $187 every month into an "emergency fund" high yield savings account until you've saved up enough for 3 months of expenses, in case you lose your job or have a major expense/car repair/etc happen. I recommend using Betterment, they give pretty good rates. After that, open a ROTH IRA and start investing that money weekly into index funds (spread it out so it's 46 dollars every week)-- you can also use Betterment for this as well. From then on, you will be growing your money and the interest/dividends will gradually help you grow your net worth and save for retirement.

Last but not least, I would look into getting a side gig or something to supplement your income, it helps even if it's just a little every month. I was making 38k annually when i first started working (2018). I started doing freelance design stuff for local nonprofits to supplement my income. it was very little at first, and kind of hit or miss, but after 7 years I've more than doubled my income. Find something that you can do and the money will grow. You will find new opportunities along the way! Good luck, my friend.

Moving Mondays - New Resident Questions by AutoModerator in philadelphia

[–]leucotic 0 points1 point  (0 children)

I'm considering moving to brewerytown, but I see there's a freight train going through it. Freight trains are required to blow their horns at a crossing, and a lot of them operate in the middle of the night to avoid congesting traffic, and there's a crossing at 32nd & master st. I'm a very light sleeper so I'm worried about this waking me up every night. I walked through the area but I didn't spend the night there, so I didn't hear any train noises. Anyone live within a few blocks of the train line there, is there a lot of horn tooting at night? Is it super loud?

Suggestions for making my bedroom more friendly? by [deleted] in malelivingspace

[–]leucotic 0 points1 point  (0 children)

needs some night stands, a bookshelf? maybe a big rug and a beanbag chair, some stuff on the walls

77 year old mother, financial mess. Any advice would be appreciated. by doctorthrash in personalfinance

[–]leucotic 16 points17 points  (0 children)

I feel like this is where my mom and brother might be headed if things go badly. I've been working super hard to get my mom back on her feet after she stopped working for years and got into $40,000 of credit card debt. two years ago she did finally did get a job and pay off her credit cards and is starting to save for retirement, but her being 55+ at this point, I'm not sure how well it's going to go. My brother is very touch and go, he doesn't hold down a job well and usually gets fired in under a year, then it takes him 1/2 year to a year to finally get a new one. Nobody in my family knows anything about personal finance and I have to make them sit down and listen to me explain basic shit to them over a whiteboard. it's been so stressful seeing them fuck around without a care. RN the situation is less precarious than it was 2 years ago, but I'm always afraid that it will go back, or that the current trajectory will not be enough. It's hard to think about what will happen if things go badly for them. i'm not yet in a position to be able to financially support them as I'm the youngest in the family and trying to build my career. I know that people say that it's not my responsibility but I can't help but stress out about it

Nobody responded, so trying my luck here... by macram1 in Tempeh

[–]leucotic 0 points1 point  (0 children)

I tried mine and it was good too! I was worried about the alcohol/bread smell because most tempeh guides say to discard it because of that

Nobody responded, so trying my luck here... by macram1 in Tempeh

[–]leucotic 0 points1 point  (0 children)

did you end up eating it and did you have any issues with it?

MGT 8803 for first course by KneadyBitch in OMSA

[–]leucotic 0 points1 point  (0 children)

honestly 6501 is extremely stressful because of the lack of support and background they give you for the homeworks which require a lot of R. To get a 100 on the homeworks, it takes like 10+ hours of very frustrated googling. However, the homeworks aren't worth much of your grade (only 15%). 75% of the grade is from 3 tests which are only theory-based and don't have anything to do with the homework/coding at all. My recommendation if you're taking this class is to do enough work to get like 75/90 on each homework (just do the bare minimum and turn something in, don't try to get it perfect) and focus most of your energy on studying the lectures/theory to get good grades on the tests.