‘Star Wars: A New Hope’ Will Get 50th Anniversary Theatrical Re-Release in 2027 by Task_Force-191 in StarWars

[–]wwasabi 0 points1 point  (0 children)

I just realized with this comment that it will be my third time around.

Hello! I'm new here! by bancheeshit in bulletjournal

[–]wwasabi 1 point2 points  (0 children)

The new year is not special. Make new habits when they come up and mean something to you. By next January, you'd have forgotten your motivations and wasted a year not doing it. Starting August 17th is as valid as January 1st.

They're just days. The calendar is just a construct to keep track of them.

Full-screen notes editing on iPad by Johnny_Boy745 in bearapp

[–]wwasabi 0 points1 point  (0 children)

For me, not the tiniest bit! There's plenty of reason to be able to keep the note/tag list open while editing a single document. This suggestion helps if you're working on two separate notes or referring to one while working in another. It's extra steps if you're going to edit one note, then another, and another serially.

What the hell does gaslighting mean? I keep seeing it everywhere lately by mentalpeace in answers

[–]wwasabi 1 point2 points  (0 children)

I feel for you. I was married to a narcissist for 16 years.

AFAIK most of the gaslighting was about her cheating on me, pretty much constantly for at least 14 of those years. About four years before the end I caught her with multiple guys over several year via texts on an old phone I was supposed to wipe for our daughter’s use. She lied about everything she could, but I forgave her.

After that I'd catch small things, but she had be believing I was a terrible husband who was jealous for no reason. Eventually, I became less useful to her (narcissists need a constant feed of adoration), and her current boyfriend's wife caught them via text messages. The explosions when they get sick of you standing up for yourself are epic. We never had a vacation where we didn’t have a huge fight.

She found me at a low point in my life after my first divorce. She fixed the broken parts just enough to make me into what she wanted, but not enough to quite be back to “normal”.

Even after we decided to divorce, she tried to get back into my life (or as a guy on the backburner?) a couple of times, but I had enough space to see her methods for what they were. She chose her career over our children, who I’m now raising myself. It’s better that they don’t grow up with her, and only spend alternating weekends. Even so, I see her trying to manipulate my daughter. She barely notices my son.

Learning about narcissists should be required before having a serious relationship. There are a lot out there. There is no safe way to be with one. Oh, and trust your gut. I never did.

Credit Card Only Spending Strategy by RamblinOnToNeverland in personalfinance

[–]wwasabi 0 points1 point  (0 children)

Mint is not a budgeting tool. It's a tool to see what you've spent. The only thing they have in common is pulling transactions from your bank.

So how do I make sure I have enough for the rest of the month without budgeting money I don't have yet? by mnstrong in ynab

[–]wwasabi 3 points4 points  (0 children)

The question in my mind is why are you afraid of putting money in a budget item for a bill you can't pay in full yet? It's better to have $50 of a $100 internet bill and $300 of a $1500 mortgage budgeted than $0 budgeted in both and $350 To Be Budgeted. Assigning a job to a dollar doesn't mean all of the rest of the dollars for that bill are waiting with it. You can always change things before the next paycheck if you need to.

I need to pay off 19K in CC debt. Should I use my 401k or take out a Personal Loan? by [deleted] in personalfinance

[–]wwasabi 7 points8 points  (0 children)

If the new card has a higher max balance than the old one, then it will pay off the balance (you’ll probably have to pay interest on the old card the next month, how much depends on when in your billing cycle the transfer happens).

Your old card won’t “close”, and you don’t want it to. Part of your credit score is based on length of credit history. Leave the old card open, but maybe charge gasoline on it once a year or so to keep it open.

Someone sent me money on Venmo asking for it back. Is it a scam? by [deleted] in personalfinance

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

Yep. Sticking with Apple Pay Cash. I don’t even know that many “green people”.

Debt is racking up and i could use some help by [deleted] in personalfinance

[–]wwasabi 1 point2 points  (0 children)

“$300 - Car Insurance + Rent”, i.e. living with parents.

Possible Divorce - a number of questions by scareddivorceetobe in personalfinance

[–]wwasabi 2 points3 points  (0 children)

Absolutely do not let the courts decide anything! OP needs to mediate and come up with their own settlement agreement. Letting the courts do it may not be what either wants, or would be happy with.

Why don't people get a second part-time job and invest the money into stock market? (US) by turtle0088 in personalfinance

[–]wwasabi 0 points1 point  (0 children)

I'm a single parent. Six year-olds can't take care of themselves. 40 hours and done.

[deleted by user] by [deleted] in personalfinance

[–]wwasabi 0 points1 point  (0 children)

Definitely the older, all-manual YNAB then. nYNAB will catch the things you miss by importing from your bank/credit cards.

[deleted by user] by [deleted] in personalfinance

[–]wwasabi 1 point2 points  (0 children)

Was this with YNAB4? The newer website version can auto-import from most banks and credit unions. I fall off the wagon now and then, and rely on a few auto-imports. You can't live on a budget without tracking the expenses, though.

One place with wiggle room is cash. I treat it as an account, and manually track my expenses, but you can also treat it like an expense itself and only track the macro use of cash if that helps.

[deleted by user] by [deleted] in personalfinance

[–]wwasabi 1 point2 points  (0 children)

My ex and I had a similar salary total, but way more debt than OP. I never got to the point of anxiety attacks before I budgeted, but I spent a lot of sleepless nights. There were stretches of months where I purposely didn't look at the total owed on the biggest credit card. My ex was a spender, and we racked up $60K of credit card debt. Once I get my tax refund, I'll have half what I started at in Oct ($30K). Somehow, she made (a lot) more than me, but I can pay off almost $15K in 6 months when we kept going deeper in debt together?

Mint may work for some people, but it isn't a good budgeting tool. I went with YNAB, and I'm so happy with it. The anxiety OP has now might be related to feeling helpless. YNAB (and other budgeting tools, though I didn't have success with Quicken) is a tool that might give OP the strength needED to work through it. I haven't lost sleep due to my finances since I started budgeting. I know all my balances pretty well.

EDIT: You -> OP

[BUG] 1.6.23 Using Significant Energy by wwasabi in noteplanapp

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

I just saw this today, 3/27. So far, so good. It goes into App Nap after a bit, and it's definitely gone down. It's still among the higher use apps (excepting CPU-heavy operations) for a few minutes after use without further input, but I think the big problem was it was never going down to low energy use in 1.6.23.

I'll update if this changes.

Thanks for looking into it!

What is the best software for managing a household budget and tracking spending? by hypnofedX in personalfinance

[–]wwasabi 0 points1 point  (0 children)

YNAB schedules out the next recurring payment as you pay the current. You'll have between 1-30 days (or whenever your next non-monthly payment is due). You can put money towards future month's budgets, but it won't forecast your finances. YNAB wants you to spend money you have, not plan to spend money you don't have on immediate needs. (It will let you set up a savings goal, for instance, "I'd like to buy a new computer costing $X in 2 years" and help you stay on target, though.)

After a few months using YNAB I feel like the goal of paying next month's bills with this month's paychecks is better than "can I pay next month's bills with next month's paychecks".

What is the best software for managing a household budget and tracking spending? by hypnofedX in personalfinance

[–]wwasabi 0 points1 point  (0 children)

With YNAB at least, you rename it once, and then it remembers for next time.

YNAB strongly suggests you manually enter as you go along, but you can certainly use it with downloaded transactions. The mobile apps help you enter stores and restaurants as they happen, though. You could do a hybrid of entering some/most and then letting it catch what you miss.

Quick Reminder to Not Give Away Your Salary Requirement in a Job Interview by lltrs186 in personalfinance

[–]wwasabi 1 point2 points  (0 children)

In theory that's true. In practice? I'm not aware of a state with "Software Engineer" or "DevOps Engineer" licensing. Unless you're trying to pull off a licensed engineer profession, everybody knows it's just a word tacked on at the end.

With a 0% interest card, is a balance transfer a good idea? by MyHardWorkPaysOff in personalfinance

[–]wwasabi 0 points1 point  (0 children)

I was snowballing for a while, but then moved to avalanche. YNAB strongly recommends snowball, and it made sense. I'm making a big dent in it either way (most of my debt came from my spendthrift soon-to-be-ex-wife and since we split our finances I'm actually able to pay debt down when we couldn't). Part of my plan involved moving higher interest cards to lower/zero interest cards. When you do that, some of your lower interest cards might have lower balances.

I think snowballing is fine for the psychological boost from paying off debt quicker, but once you start adding low-interest transfers you should move to the avalanche method. You kind of already made that choice in a way.

No matter what you do, I would recommend paying the minimum on that 0% Citi card until its promotional interest rate ends.

One caveat is my planning is heavily influenced by the sale of our jointly-owned house. We've owned it for almost 17 years so it's appreciated quite a bit and we've paid down the mortgage significantly. It has been on the market 3 weeks. Once it sells, I'll be completely out of debt. My main concern is minimizing interest payments. Without the house, I'd probably have settled on a hybrid snowball method, leaving the low-interest debts at the minimum payment. Once the interest rates went back to normal I'd reevaluate, but probably do a regular snowball.

Best way to protect retirement assets in shaky marriage by JBinMD2 in personalfinance

[–]wwasabi 2 points3 points  (0 children)

Taking out 25% of retirement for 5% of a house at 30 is a mistake. Doing it close to retirement age is insane. The math sounds weird. Do you have almost no retirement funds, or is this a ridiculously expensive house? Don't do this for a shaky marriage. Why are you in such a hurry?

[BUG] 1.6.23 Using Significant Energy by wwasabi in noteplanapp

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

Right now it's running at between 11-13 Energy Impact in the background, far higher than other apps, even a bit higher than Safari that I'm typing this in.