• MajorHavoc@programming.dev
    1·
    5 months ago

    Make a budget, each month.

    Write down your expected expenses. Keep it simple. Use paper and a calculator.

    Rewrite the list, in order of priority, to you.

    I’ve met so many people who are scared to do this, yet would be pleased if they did.

  • Boozilla@lemmy.worldEnglish
    1·
    5 months ago

    USA edition:

    If you’re a billionaire: vote Republican.

    If you’re not a billionaire: vote Democrat.

            • Midnight Wolf@lemmy.worldEnglish
              1·
              5 months ago

              (rant in general, not directed at you)

              Straight, cis people: “you can do one thing, isn’t that enough? why do you have to be in the spotlight all the time?”

              Me, standing with my trans+enby friends, after being fired for who we fuck and what we look like, and regularly treated like dogshit in public: “…”

              Marriage is a decent start, but especially bullshit like “right to work” states where employers can sack you for literally anything, and LGBT not being a universally protected thing, is shit. Yeah yeah “sex” is by law but I direct you to the first half of that sentence, and you’ll see the issue. Progress, yeah, but being the solution to our many issues, marriage is just a piece of the pie.

              Hell, my best friend had to go through some gymnastic-bureaucratic bullshit because the state they live(d) in was putting up unnecessary requirements just to change their sex on their drivers license. This was after months of them seeing a therapist, hrt, physical changes, etc - but still wasn’t good enough for the state. So it was easier to get their transition accepted via their birth state (I think by altering the birth record? Not totally sure, I didn’t want to pry), where they had much more sane requirements, and then come back to the state they live(d) in with a ‘see here bitch, now change my shit’. Took a month or so all-told, but they got it done.

              Plus things like raising a family (adoption especially), being passed up for employment or promotions, denied housing… but we have marriage, so it’s all good, right?

  • Habahnow@sh.itjust.works
    0·
    5 months ago

    Budgeting is very important. some people like the 20% of income for saving, 30% for living expenses and the other 50% for everything else. Pre or post tax is up to you as this is a rule of thumb. Important part is that it should be easy for you to build up your savings to cover important expenses. spending 50% of income on housing may be really bad since having back to back years of badluck can screw over your savings, and not give you enough time to save up in between.

    This is a general rule that applies when you make enough to do so. If you’re struggling to pay rent, do what you can to remove risk and cut down on costs. One thing that helps is aiming to have savings. Often times, its cheaper to have money up front to resolve emergencies rather than later.

    Car is one of those things that can make sense to remove. If you’re commuting one hour already by car, and there’s no public transit option then a car is a necessity. If you can take public transit, that could save you money on car insurance, car payments, car maintenance, and possible accidents.

    • cheers_queers@lemm.eeEnglish
      01·
      5 months ago

      i don’t know anyone who can keep their living expenses at 30%… is this finance tips for well-off childless people?