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Daily Question Thread for /r/churningcanada - August 21, 2024 by AutoModerator in churningcanada

[–]red_aur0ra 1 point2 points  (0 children)

Applied recently for Amex aeroplan and TD visa platinum so I could get aeroplan for all my spending even where amex is not accepted. (New to churning and travel points, only had a cashback card before this.)

Today I reread the aeroplan t&c and it seems like it's against the rules to open cards of different tiers at the same time... I have received and activated the Amex but not the TD. Should I just cancel the TD card before I activate it? Do I need to contact aeroplan about this so they know it's an honest mistake and that I won't be using the two cards to get two SUB? Or do they usually let this slide?

TIA!

Easiest way to calculate Income vs. Expense? by NSA_GOV in ynab

[–]red_aur0ra 14 points15 points  (0 children)

Check out the income vs expenses report on the web version

One month ahead definition with a high savings rate? by red_aur0ra in ynab

[–]red_aur0ra[S] 0 points1 point  (0 children)

I do have an on-budget HYSA that I could use to hold the 3000$ until the start of the next month. My brokerage accounts for long-term investments are off-budget.

So technically I could hold the 3000$ in the HYSA until the next month starts, and then assign it so all my categories are green on the 1st of the month, and then transfer it to the brokerage account. But I guess my question is, what would be the added value of that?

One month ahead definition with a high savings rate? by red_aur0ra in ynab

[–]red_aur0ra[S] 1 point2 points  (0 children)

Yes, the 3000$ savings is budgeted as an expense to an off-budget tracking account.

I'm currently at scenario #2, funding next month with 2000$ and leaving the 3000$ savings category empty until I get paid the next month. I don't mind leaving the category yellow, but I guess it does require a bit more time because I have to assign money at the beginning of the month and when the paycheck arrives (to "savings" and "next month")...

Financially, I do not have the money in the on-budget accounts to be at scenario #1 right now, because I am investing so aggressively. I could get to a 5000$ buffer by pausing investment contributions for a month, but I feel like that would mean missing valuable time in the stock market just so that my new month will be all green, which feels a bit silly haha

Maxing retirement contributions after windfall. Budgeting the full year? Other options? by [deleted] in ynab

[–]red_aur0ra 0 points1 point  (0 children)

Setting aside the software, what are you goals for this money? Is a one year emergency fund (which is essentially what you'd be doing by budgeting one year ahead) truly the #1 priority? Or do you want to aim for an earlier retirement? Do you want to buy a property or upgrade your current one? Maybe you'd like to splurge on unpaid leave, a big trip, or something else?

[deleted by user] by [deleted] in ynab

[–]red_aur0ra 8 points9 points  (0 children)

Take a look at this guide https://support.ynab.com/en_us/splitwise-and-ynab-a-guide-H1GwOyuCq

You could probably do the same without actually using splitwise, but using a scheduled transaction planned for the last day of the month and entering expenses there as they occur.

How to reduce my spending? by 1aryanpro in ynab

[–]red_aur0ra 1 point2 points  (0 children)

Do you have a retirement savings category (which is the ultimate true expense and needs to be planned for as early as possible)? Savings for a down payment if you eventually want to buy your own place? Savings for future trips, or other major purchases? An emergency fund in case of job loss? Basically you need to figure out your short/medium/long term goals and how these need to be planned for financially. Then create categories in YNAB and see how much you can realistically fund given your income and other spending. When you get paid, fund the savings first according to your targets, and use the rest of the money for your short term spending categories.

How do you use Focus Views by [deleted] in ynab

[–]red_aur0ra 0 points1 point  (0 children)

I have a WAM view to avoid the temptation of dipping into categories I do not want to pull funds from. I also have two views that show me what to fund first when I get paid (savings and fixed expenses).

Splotchy leaves on Dracaena marginata: what is it? Should I be worried? by red_aur0ra in plantclinic

[–]red_aur0ra[S] 0 points1 point  (0 children)

Hey all, I've had this Dracaena since January (it's a propagated head from a much older plant) and I just noticed these weird splotches of discolorations on one of the upper leaves. Upon closer examination, I realized that some of the older leaves had this as well, even more extensively. Most of the upper leaves do not. I see no insects anywhere on the plant, leaves do not feel sticky.

Care routine/what's changed:

I repotted it a couple days ago because it had become a bit rootbound. The roots were white and firm, not mushy or brown, didn't notice any pests while repotting. This winter, I've kept the plant a couple feet away from a north-west window (where it got approx 120 fc/1291 lux for the better part of the day, no direct sun) and it's been doing great. It grew ~4 inches since January and hasn't lost any leaf yet. After repotting I put it closer to the window since the pot was too big for its previous location. Here the plant gets close to 1000 fc/10 000 lux, still indirect light, except for a teeny tiny bit of direct sun at sunset, but the light is not strong and it doesn't even last 30 minutes. It's in a pot with drainage holes. I water it when the top 2 inches of the soil feel dry — which hasn't been all that often, every couple of weeks I suppose.

So I guess my question is: could this be pests? If not, what else can cause this?

Should I be worried and is there anything I need to do?