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Setting up automatic transfers to my savings and ETF accounts and never looking at it to not get tempted to spend anything has been working for me tho, about 50% of my salary goes into those two each month
(also living in a country with a good social security net, having a job that pays relatively well, and being very, very frugal because my brain gets a lot of enjoyment from optimizing every number-based problem I come across)
I’ve been in hermit mode since I broke up with my last girlfriend last year.
I’ve been going nowhere pretty much except to work and back, and doing nothing except for purchasing food to cook at home.
I checked my account the other day and there was like 20 grand in it, so I paid off most of my student loans.
Just excuse me for a second while I go over here and weep, he who had to beg for money to survive.
20 fucking grand? Are you fucking kidding me?
That being said, I hope you’re starting to do better, bro. Sending you all my love.
Don’t get me wrong, I spent like two years of my life homeless. I only got out of homelessness because my dad and my mom, somehow even though my mom hates my dad, ended up working together to bail me out over and over and keep kickstarting my life until it finally started moving forward.
So I definitely get it, being homeless, being absolutely fucking devastatingly poor for nine fucking years of my total life has changed me, like I obsessively save money, I do not spend money if I can avoid it. Even when I’ve got money in the bank, I’m sitting there researching what is the cheapest way I can accomplish the thing that I want to accomplish.
And I also am aware and grateful for how fortunate I am that there were people in my life who had a reason to care enough to bail me out of the desperate situation I was in. And I know that for most people living in poverty, the only way for them to get out of poverty is for someone at the middle-income class to extend a helping hand to help them move the needle.
'Cause I know for damn sure the rich aren’t going to do it.
My balance has a dash in front of it… Probably because I am a cool dude. 😎
What? No. And you can’t make me, you’re not my mom!
Search your feelings, you know it to be true!
You mean I’m not the only one that does this?
I’m doing alright now, but I’ve been conditioned to feel anxious and depressed whenever I open it. And there hasn’t even been an unpleasant surprise in years.
I have this with everything official (i.e. election docs) and invoice related letters.
Bank app is depending on how long I didn’t check and how my spending felt like the last few weeks.
I got a jury notice last week but on the envelope it only said “US District Court” and I had sudden chest-constricting panic at what have I forgotten to file or pay, and how much trouble am I in. Until I realized it wasn’t sent certified, and I’m not in fact being subpoenaed.
I had this once with a letter that a bailiff had visited me in absence for something I supposedly hadn’t payed. I was sweating buckets before I even noticed that only the last name was mine and they had gotten the wrong address.
I look at mine constantly cause i’m addicted to finance and making sure i know where everything is going and to make sure companies don’t double charge me or use my card for someone else.
Everyone should be checking their accounts at least 3-5 times a week.
All it does is tell me I’m broke. I know this already. I don’t need to be reminded again…
Oh so relatable my dear…
I once went like 7 years without ever checking my balance. Now I have it hooked into my Apple Wallet so I accidentally see my balance when I got it pay for things sometimes.
my first adult job was essentially balancing checkbooks for a hundred different people. i don’t need to work at home.
Oh look, the site changed from an immediate grid of ten things to a rat’s nest of dropdown menus and click-through dialogs. Yaaay.
On the plus side, I don’t buy shit. Commerce goes on a to-do list, leading to research, resulting in choice paralysis, and ehhh this MX518 with a deflated scroll wheel still works 99% of the time.
This was reinforced about a year ago when I finally spent all the Amazon gift cards I had accumulated… and Amazon decided I stole them. What a fun month of being lied to by a rotating cast of outsourced robots. Finally got back an amount similar to but higher than the total in question. Spent it immediately, haven’t touched the site since.
I got a “quick balance” widget that tells me my financial fuck-ups in real time!
This is the way imo
Yeah that widget would get ignored so fast. And pushed to a home page that I rarely swipe to. May as well not even bother (for me…for you > YMMV)
Finances is one of the few thing I don’t need to worry about.
I still do though.
Lol. I try and my it easier on myself by using one app to consolidate all my finances. I used to use mint, but now I’m using an iOS app called copilot. I also like putting balance widgets on my lock screen. Having my credit card balance stare me in the face helps me not run it up as much.
Omg, the lock screen. It would be like slapping myself in the face every time I opened the phone. I’d probably stop opening the phone.
On second thought…
I put it on my Home Screen. Lock screen would be crazy lol. And you can put it on a second page so it’s not right there.
