This sa the opposite where i work. If we don't say I enough then they can't give us marks on our interview because they can't prove that we did said thing.

The App really facilitates the method. I would highly encourage anyone what has looked at this app in the past, but took a pass for any reason to revisit it. Accept this time check out their free online classes about how to use the YNAB method. https://www.youneedabudget.com/support/traini… It has changed my life!

I often just block the notification in this situation.

You forgot the billings method. Free and effective.

How is that working from a budgetary standpoint? You finally paid off one loan so you took another right away?

If you live in Canada www.buyapi.ca is the best place to get raspberry pi's, arduinos or littlebits. I got my pi from them last year.

You can get the short crust in Canada from www.buyapi.ca

Correct me if I'm wrong, but this is just a simple budget right?

YNAB ynab.com

Check out "budgets are sexy" he has a series on side gigs, jobs you can do to earn extra money. I personally do fiverr gigs and I have made over $80.

So I was feeling a lot like this too. We were using YNAB but we weren't moving forward. It seemed like we were always 'zeroing out'.

I think he only replaced the handles on the doors.

Then do 50% of post tax income.... all I want to say is that whatever savings rate most people have in their head which they think is 'reasonable' is drastically lower than what they could achieve.

It would be better to save +50% I am not personally there yet. But I am rapidly approaching it. Completely possible.

It is, when you are talking about RRSP's and IRA's . Both of those accounts in Canada and the US respectively, have annual limits to the amount you can invest. These account are the investment vehicles you put your money into. Having separate accounts means you can invest twice as much because the limits are per…

So you can max out each account and maximize your return. No point in only have one account active when you could have two and save twice as much.

Or you could spend a fraction of the price on a used car. No Loan. Invest the rest of your money, and take care of the car.

I would agree with him in general.

I think what you mean to say is you need to build good credit. That's right buy something on credit, then instantly pay it off with the money you have. That's what rich people do.

Sounds like you have a very stupid attitude when it comes to your kids. Smarten up, they love you, you should love them back.