I played MGS for the first time recently, and it felt like a PS2 game with older graphics. Would've blown my mind as a kid if I had it back then...with a guide, too. Otherwise, I never would've figured a bunch of that stuff out, haha
otp
Bob Dylan probably doesn't have long, lol
LOL! Typo. I do 60-20-20.
But I do get pension matching to the tune of nearly 10%, so arguably I am saving nearly 30% instead of 20! Haha
I get where you're coming from, but the X in Xmas means "cross", as in the cross that Jesus died on.
I don't celebrate the Christ part of Christmas, so I'm not trying to make it about that. Just sharing this bit of knowledge (that I could very well be mistaken about! Haha)
I do a lot of budgeting, and I use the "pool" method.
A lot of people recommend the 50-30-20 rule: 50% of your money goes to fixed expenses, 30% goes to discretionary spending, and 20% to savings.
I tweaked that a bit and made it 60-20-20*, with the 60% being for essentials...things like clothing is included.
That 20% goes towards any guilt-free spending. I've covered everything I need, and this is money I'm allowed to spend on whatever I want...guilt-free.
EDIT: I accidentally said 60-20-30 instead of 60-20-20.
I understand the skepticism on society's priorities.
Athletes are literally 1-in-a-million individuals. They bring in crazy amounts of money from people who want to watch them play.
The real problem is that there are so many people who are willing to pay hundreds of dollars to watch a sports game, but not willing to see teachers properly compensates (in my opinion). Because athletes getting a big share of the pie that they're bringing in sounds fair to me. The question is why people have that much pie to give them, and not as much pie to give to schools.
Where I live, we've been treating...
- Nurses very poorly. Underpaying and overworking them, while not training enough new ones.
- Family Doctors (aka. GPs) very poorly by removing the kinds of services they're allowed to provide, increasing expenses without increasing compensation, and again, not training enough new ones.
Doctors are paid well, but they also have incredibly high expenses (and often high student debt, too).
I have an Excel file for recurring expenses with dates of recurrence and auto-calculated yearly and monthly totals, and these factor into my monthly/yearly "budgets". And thus, into how much I need to maintain my emergency fund!
I'm actually starting to wonder if they've got a bot going on their account now. It just seems to be giving generic "angry internet replies" to every comment that replies to it, now
I'm sorry that this is how you're choosing to spend your Christmas. Or your Boxing Day as the case may be.
If you don't celebrate those, I'm still sorry that you're choosing to spend your time this way.
That's a good idea! I do things differently (basically adding money to different "pools" to use for different categories), but if I need to forecast how much I'm going to spend on things, this would really help.
I tend to assume that something I buy will last forever (unless it's explicitly replaceable)...but that's basically never the case these days.
I think the commander dude gives you hints if you keep losing a particular fight though. He'll get explicit about the trick for Psycho Mantis!