I bought an electric car.
Now when I drive by the gas station I couldn’t care less how much gas costs!
I’ve never tasted such freedom.
Same here. i pay less on the downpayment, and power consumption in a month. Then what I used monthly in fuel only on the old thirsty petrol car.
I’ve owned one for 3 years now. My only maintenance costs were a $10 tire rotation and filling up wiper fluid. Even better, the park by my house where I walk my dog has free solar charging!
Scratching the surface compared to an ebike. Virtually 0 fuel/maintenance cost. No insurance/registration AND parking.
Do you have any range issues? Forget to charge it?
I have to be very proactive about where super chargers are.
I live in Georgia USA and there’s a bunch of dead zones without chargers still. But there hasn’t been any single time where I was unable to charge and I drive A LOT!
I haven’t forgotten to charge, at least not yet!
What I have had an issue with is installing a home charger. Electricians have given me estimates estimates ranging from 2500 to 10,000. Like wtf!
When I still had a car, it was never an issue except on long road trips. You plug the car in every evening, and wake up with a “full tank”.
On long road trips, I charged during bathroom and lunch breaks, and did a little preplanning on the route. Still not a major issue.
Ironically, I almost ran out of gas the next time I rented an ICE car, because I totally forgot that refueling was a thing you had to do.
Nice. How do you like charging at home / at stations? Are charging stations sometimes a pain? I haven’t seen many but I’m also not actively looking out for them but from what I’ve heard it’s all expanding nicely.
I’m looking to trade in aTacoma for a Ford F150 lightning or some other electric pickup since 99.9% of the time it’s just used to drive around town.
I’ve been having some issues getting the plug installed. I’ve gotten estimates across the board from 1600 bucks to 8k! But I’ll get it taken care of eventually.
I live in Georgia USA and there are plenty of dead areas for chargers unlike California where you can’t spit without getting it on a fast charger.
If you get a level 2 charger installed in your house it is completely possible to charge only at your house.
Chevy is releasing the Silverado and Suburban fully electric along with the Equinox. It’s worth a consideration.
The house I bought in 2012 because I was mad my landlord was raising my rent… I wasn’t trying to be smart…it was a fuck it scenario. Damn was housing “cheap” back then. Houses around me are renting for damn near 3x what my mortgage + insurance is. And selling for as much.
Leaving my wife, She destroyed my credit and finances.In less then 2 years I have fixed both.
Congrats on turning that around so quickly!
Kept scores like it was a video game.
My country doesn’t really work with credit scores, so I don’t really understand it. How can you ruin and fix your score like that?
In the U.S. there’s a system that reports all of your financial information to 3 different credit bureaus. When you make an owed payment late ,don’t pay for something, apply for too much credit or just not even use credit your credit score shrinks. By paying bills on time ,having more available unused credit and just doing that overtime makes your score go up.This is a simplified explanation and I’m no expert ,but that’s the basics of it.
The less you spend the better? Goes a bit against economic progress. But I’m probably not really getting it. Thank you for your explanation.
Left my ex four years ago now and I’ve got a 700 credit score!
She didn’t fuck up my finances directly, but she undermined my sense of concrete reality and filled me with enormous amounts of stress and I couldn’t do anything but hang on by my fingertips in my career.
Four years of active healing and it’s finally starting to manifest in my external life.
Good for you getting your head in a better place.Sometimes what we want the most really is the worse thing for us.
It was love at first sight, literally. We didn’t even discuss going out. The first day we met, we were together as a couple. I cannot emphasize enough that we did not discuss being a couple even a single word, but we both knew.
I ain’t doing love at first sight again. Fuck that.
A lot of people are against credit cards which is understandable. But I use them almost exclusively and pay them in full every month.
As long as I don’t go over whatever I have in cash, these credit cards help me in building credit score as well as provide a layer of protection should some person or site try to over charge me later.
It’s not for everyone, but it worked for me.
This is basically what I do. It made keeping track of my finances really simple. I just try to keep my checking account balance higher than my credit card balance. If there’s anything left when I pay off the card at the end of the month I move that over to savings. Easy peasy.
The thing I found about using my credit card like this is it actually ended up saving me a bunch of money because in times when money was tight it gave me the flexibility to stock up on things when they were on sale, or to get the extra jumbo value pack with better per-unit cost, because I could spread the cost over several paychecks instead of being limited to what I could afford out of just that week’s paycheck. If you do it right it does a lot to take the edge off of “Vimes’ boots” theory of socioeconomic unfairness.
Just to add to this, being selective about which card(s) you use and maximizing bonus points can lead to some pretty significant travel benefits.
While not always too significant, many credit cards also offer points or cash back. I do the same as you (use my credit card for practically everything and always pay it off), and can use whatever points I get to make small mortgage prepayments, buy gift cards, etc.
I solely use an Amazon Chase card. I buy a lot from Amazon and still get cash back to spend at Amazon when making purchases elsewhere. I buy the occasional game for myself at no cost and when Xmas rolls around I can buy a number of gifts with Amazon points.
This is what I do. I don’t use a debit card, but instead use a “credit condom” so that if someone steals my cc and uses it, I’m not liable. I also pay in full so I don’t have to carry cash and keep a healthy / active credit history.
My credit score is about as good as it can get, and I have no problems buying anything big ticket.
Stop trying to beat the market. Invest in a cheap global index fund and just keep buying.
This, in combination with “budgeting” as explained in that other comment, is probably the best advice to sleep sound and well, at least when it comes to the financial side of life.
Changing jobs in 2021. Managed to almost double my salary overnight with less stress.
Put at least 10% (including match) of your salary in my low load market index 401k.
Start with your first job. You will never miss it.
“The best time to plant a tree is 30 years ago. The second best time is now.”
- some wise MF
I’ve never gotten this “save 10%” thing. Why target a percentage of your income? Save as much as you can.
I diversified my savings account. Some is put into precious metals,a CD, and some in stocks.
Multigenerational living, on a farm. Most everything we eat or use comes from our property, our neighbors, or my husbands family’s property.
I’m very well cognizant this is not an option for a lot of people, and I know how lucky I am to not have to spend money on bills most people have… it’s a big reason why I try to pay it forward in many ways, as often as I can.
That said, I grew up in abject poverty… so I’m playing catch up, even now.
Such is reality.
Hope you got tomatoes then
It would be silly to not.
Here’s a tomato for you 🍅
Become self-employed with a practice. Reliable income that depends on how much work I’m willing to put in and no one can fire me.
The only caveat being… if I get seriously ill, there’s nobody to cover me unless I’m willing to pay someone a small fortune.
Ahh, that’s why you get a partner that can cover your business and only occasionally frustrates you with incompetence or laziness…
I wish. I’m not there yet money-wise, but that’s the plan. ATM there are only expensive emergency backups.
One of the worst financial decisions I ever made was going into business for myself with no cash on hand.
I had no ability to turn down clients, took clients I had bad gut feeling out because I needed to pay rent, and had over a decade of constant scrambling and dealing with shitty clients on small potatoes contracts.
Next time (if ever) I go out on my own it’s gonna be with a big enough buffer to be able to maneuver.
Offset mortgage
Media piracy.
If I wanted to watch a show, I’d have to pay 80€/month, because every streaming site only has one or two seasons.
I’m just done with corporate greed, fuck big companies, piracy is a service problem.
True, and you even end up paying for a service that abuses you and your privacy. no, thanks
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What about the actors and other staff who don’t get paid for their work? Not everyone is a major Hollywood star.
Although monopolies can suck balls, at this point, in the streaming industry, there’s just too much competition, to the point that you have to purchase a service for its catalog, and that’s 4-5 services to subscribe to at this point. It used to be more convenient to pirate stuff, then it got more convenient to just get netflix and hulu, now I’m back sailing the high seas.
They get paid by the producer. The producer get’s money by selling a license to netflix, scamazon prime, etc. Netflix get’s their money by scamming people, if no one wants to get scammed anymore and everyone’d stop subscribing to streaming services. The producer would have to actually sell it for a fair price directly to consumers or sell it to someone who sells it to consumers, like it used to be.
Always remember, that if they can’t pay their staff, they have to find another buisnes or distribution model. The actors aren’t the risk takers of the producers investment.
You should also never view pirates as a potential customer, if I wouldn’t pirate I still wouldn’t buy it.
They still don’t get paid when you pay for the service it turns out.
Staff don’t see a dime off revenue. They were already paid for their time worked during production. You paying a ticket or subscription doesn’t give staff any more money.
They aren’t getting paid anyways, clearly.
Buying a crappy house. It’s structurally sound, but not a good neighborhood, crappy schools, and I don’t want to have people visit, but it cost half the county median and the difference in mortgage goes into index funds. My peers have nicer homes, but its their only asset: if they want to retire, they have to sell the house and move somewhere cheap.
Living in place with incredibly cheap and accessible public transport (365€/ year for the whole city; 1090€/year for the whole country), while not owning a car.
Hello to Vienna. If you live just outside that city then you get to pay for three states instead, no longer cheap.
We still need a big car for travels.
Yeah I got the Austrian-wide ticket, bc I go to Linz a lot. If I need a car I can borrow or rent one. Still is so much cheaper thann owning one
Taking out a good loan to consolidate my credit card debts, and make them cheaper at the same time. I might be paying it off for 5 years but the interest and monthly payments are cheaper.
