Hard to say tbh. My score was LOW when I first started chopping away at debt, and was already rebounding when I finished off that card, so whatever negative impact it had, was swallowed up by the positive ground I was making - I got my (new) card without issue and with a good limit/rate. I WAS checking my account…

When I finished clearing my debt, I did close my last card, but that was because I felt the treated me bad - and opened up a new card elsewhere.

Yep, your Gyrados has a cousin (teardrop)

Which is most likely why Pokemon from eggs almost always seem to be at least 50% on the IVs if not higher, and trend to higher IVs compared to what is caught (at this point in the game for me, everything I catch is just fodder for what I hatch with like one or two exceptions).

when it first hit, I thought it was a waste of my time, how could these coded phrases compare to my Toolkit that told me exact IVs? Simple, its so much quicker to help weed out the inconsiderables. When I first got into checking IVs, I would run each pokemon through my toolkit, and add the overall % to the name of…

The longer the better - check your bank’s website and you can typically pull information dating back over a year, pick a long duration and it will roll in some of those random and forgotten purchases - XMas spending, Valentines spending, vacation spending, car maintenance & taxes (depending on state), etc. when…

PNC and BoA also have ways of extracting this information. I do it yearly or seasonally, then sort by category and look at percentages. HOWEVER this only works if the majority of your purchases are via credit card and not cash. I’ve got accounts at those and Chase, and its rarely an issue.

My sister has a wasteful but super functional practice.

When you set a goal, the first thing you need to do is make a plan, and that plan needs to have milestones, the larger the goal, the more celebratory they need to be. If you weight 400 and want to drop to 200, then you set milestones at maybe 350, then 300, then 275, then 250, then 240, 230, 220, 210, and finally 200.…

Tracked this post down just to cosign. I tossed a bunch of stuff with a little oil, salt and pepper - and Caesar dressing (red pepper, onions, potatoes, cauliflower, broccoli), and then cooked it in oven...oh man that was ridiculously good.

You aren’t wrong, but there is a difference between “fair” and “good”. There is “overpriced”, there is “fairly priced” - i.e. competitive, then there is “good/sales/couponing” - which for items where it matters can be substantial. There are times I throw something in the basket because the price is “fair” - my steel…

But the missing element is your perspective of what the savings on ‘couponing’ is. I mentioned it is ONLY worth it if you go all in for exactly what you stated - it isn’t worth it if you are saving $15, but when my wife buys $100 worth of goods that we actually use - for $35, then it becomes worth the time.

No, you can’t “create” time, but you can front load time spent on something. As mentioned, we know where to go to get 95% of things we want, even when not on sale...we don’t “have” to coupon to not throw money away to someone else’s profits. I did the research on the best place to buy diapers, if we don’t have a sale,…

Eh...I think you are selling your self short on the overall view. I HATE couponing, but my wife does it all the damn time, but its a trickle down. For one, she only goes batsh!t crazy about it when there are super or triple double type events - where she can save RIDICULOUS amounts of money on stuff we use. Are there…

I do this all the time, on purpose, sometimes I even jump start the discussion argument WITH points against me. Why? It shows you’ve thought about it from more than just your view point and don’t have blinders on, it shows a willingness to discuss, and most importantly it is a STRONG way to defuse emotion.

I think it can really be summed up with accessibility, and then the rest of the list is about portion control (which is NOT simple despite title).

I don’t know if this is the article I got this from, but I’ve been doing this for going on two seasons now. I call it “my sacrificial onion”, I cut it in half, clean the grill with it, push it in the corner, then put the other half on the opposite corner. The SMELLS (0_0). I’ve also put a little oil on it before, but…

In GENERAL I agree - but when you are in dire straights, sometimes you simply have to sacrifice to pull yourself out. It wil lbe stressful, there is simply no way around it. but the GOAL should be a low stress budget.

I cosign some of these. Every morning, I plan out what I want to accomplish, break it into parts, and drive towards completion. Yes, I do go through messages and the such first, but unless it takes less than 5 minutes to take care of, I add it to my list of things to do, instead of dropping everything at that moment…

sigh...I WISH I had those kind of loops near me. I can drive into town and do OK, but nothing like that. #Rural