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What life hack is so simple yet so effective, you're shocked more people don't know about it? (lemmy.world)

submitted 5 months ago by return2ozma@lemmy.world to c/asklemmy@lemmy.ml

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[–] Peddlephile@lemm.ee 37 points 5 months ago (3 children)

Set up automatic bank transfers to chop your income into % parts: 5% play money, 20% savings, bills etc. do what works for you. Get rid of unnecessary subscriptions.

[–] BallsandBayonets@lemmings.world 17 points 5 months ago (2 children)

I don't have enough to chop my money into anything other than 75% rent, 20% car payment, 5% food for my dog.

But I do put that rent and car payment in a savings account and pay from that. Those fractions of a penny per month add up; after 5 years I have 77 cents in my savings account!

[–] PraiseTheSoup@lemm.ee 3 points 5 months ago (3 children)

20% to a car payment is stupid

[–] BallsandBayonets@lemmings.world 2 points 5 months ago

Yes, the used car market is full of predators charging 200% more than what a junker is worth because there's nothing stopping them. And I also agree that keeping the minimum wage literal decades behind productivity breeds an environment where people are assigned a made up number that tells banks it's ok to gouge this person on interest rates. Full agreement with you there.

[–] BobGnarley@lemm.ee 2 points 5 months ago

And necessary in many situations.

[–] SpaceNoodle@lemmy.world 2 points 5 months ago (1 children)

It's more expensive to move somewhere a car isn't necessary.

[–] Colonel_Panic_@lemm.ee 2 points 5 months ago (1 children)

Hey, it's your brother. Can I borrow 76 cents?

[–] BallsandBayonets@lemmings.world 2 points 5 months ago

Sure, since we're under capitalism I'll have to check your imaginary number and then require a minimum monthly payment of 11 cents for the next 4 years.

[–] OhVenus_Baby@lemmy.ml 1 points 5 months ago

So many people need this.

[–] rsh@lemmy.world 1 points 5 months ago

Privacy.com is your friend. Free and makes ‘uncancellable’ subscriptions a thing of the past