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it's over already?? wow, this was rather....disappointing.
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Jan 23, 2020 01:16
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But enough about what uragz's Canadian gf says to him... I should feel guilty about such a hackneyed joke but look who were talking about
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Jan 23, 2020 01:55
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zaurg posted:I'm gonna start listening to Tnuctip just to irritate everyone even more. I just placed a $20 bill into this book, which is a great book btw: Step 1 is dont sell the book for $10. Step 2 is that you wont forget about it if you do it every paycheck.
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Jan 23, 2020 04:40
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Zaurg posted:During my long run this morning I thought a bit about this thread, my philosophy on life in general, and a lot about the book I'm reading (Deena Kastor's book). I've made a decision. November 3 2018
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Jan 23, 2020 13:36
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doingitwrong posted:November 3 2018 expectation: emotional, tearful goodbye and a chorus of, "no ruzag, don't go we'll miss you, and we're really trying to help with tough love!" reality: "lol gently caress off shitheel"
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Jan 23, 2020 13:50
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DaveSauce posted:expectation: emotional, tearful goodbye and a chorus of, "no ruzag, don't go we'll miss you, and we're really trying to help with tough love!" as I recall it was Zaurg closing the thread, burt opening it up again with a "oh no you don't", and a bunch of us going "lol you'll never leave"
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Jan 23, 2020 13:57
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Tashilicious posted:as I recall it was Zaurg closing the thread, burt opening it up again with a "oh no you don't", and a bunch of us going "lol you'll never leave" You're thinking of a different time that he tried to leave.
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Jan 23, 2020 14:06
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doingitwrong posted:You're thinking of a different time that he tried to leave. probably. oh well. we got a few days before he returns and mewls about us being right and how he will listen and do what we say this time.
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Jan 23, 2020 14:20
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Can we nuke the zitshit rules thread now? Does it really need to exist in the first place?
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Jan 23, 2020 19:41
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Nice meltdown
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Jan 23, 2020 19:55
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Well until he comes back I think it’s finally time I check out the blue story thread.
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Jan 23, 2020 20:52
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Thumbtacks posted:Well until he comes back I think it’s finally time I check out the blue story thread. Link to it plz if you can.
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Jan 23, 2020 22:00
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Loan Dusty Road posted:Can we nuke the zitshit rules thread now? Does it really need to exist in the first place? Not a mod (lol not mod, u mod?), but there were a bunch of us who chased him around to other subforums mocking him until people told us to knock it off. Maybe it is us who are the zaurg. Narrator: They weren't.
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Jan 23, 2020 22:03
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tater_salad posted:Link to it plz if you can. Here’s the Blue Story story: https://forums.somethingawful.com/showthread.php?threadid=3722319&userid=0&perpage=40&pagenumber=1
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Jan 23, 2020 22:14
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so far the best part of that thread is knyteguy giving advice on how to curb impulse spending and to carefully plan out purchases and trips so that you know for sure you have the money for them 
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Jan 23, 2020 23:02
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many people are saying it is surprising that i did not have to auto ban, well,
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Jan 24, 2020 02:08
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Still reading the old thread.Zaurg posted:I know there are some very smart people in this thread who have tried to help and budgeting the way most of you want me to budget really works for many. doingitwrong fucked around with this message at 12:31 on Jan 27, 2020 |
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Jan 27, 2020 12:28
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Hey Leng thanks again for the heads up on Pocketsmith, really nice tool
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Jan 28, 2020 21:29
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https://www.youtube.com/watch?v=uzO2mi4uHAs&t=133s
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Jan 28, 2020 21:36
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Bundy posted:Hey Leng thanks again for the heads up on Pocketsmith, really nice tool I really love the simplicity of it. It’s one of those tools that anyone can pick up and figure out. Surprising how powerful it is for such little thought needed to set it up.
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Jan 29, 2020 03:26
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I grabbed Pocketsmith to try it out, and it feels insane, but I'm not sure if I'm doing something wrong or not. I added an account for a loan I have, which gave me an account with a negative balance, as well as my checking account with a positive balance. It then detected the payment transaction as an expense in the checking account and another transaction as an income in the loan account. Which makes sense, but it then totally makes everything else confusing by counting that as income, so it shows up in the income statement as more income rather than as paying down an existing debt. The above also seems to confuse the expense pie graph at the start, which now no longer shows me that loan payment as an expense at all... it's just disappeared into the ether apparently as far as that graph is concerned? The rules engine for categorization also seems hopelessly naive. My car loan logs interest as something with the payee "Interest", but my savings account also uses the same payee, so I can't see to add an automatic categorization that would actually filter these to different categories because the payee is exactly the same (but entirely different accounts). It's also apparently imported 600+ transactions going back... a year in some accounts, less in other accounts and it really wants me to go through and categorize all of them. Am I missing something? Is this how this software is supposed to work? It looks like there's a cool idea under the surface here, but right now I feel like I'm way too dumb to operate this software and I should just save the $15/month.
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Feb 1, 2020 09:00
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I'd appreciate any tips on organising imported stuff. The graph on the dash reckons I've got way more money than I have presumably due to credit payments being marked as transfers? Is there a way to link things like that? It also seems bad at spotting duplicates, I imported YNAB after hooking up the bank feeds and a number of CC charges are now there twice. Like with YNAB I can see this getting some scrub/start again action as I understand the developer's intentions.
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Feb 1, 2020 13:16
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Bundy posted:Hey Leng thanks again for the heads up on Pocketsmith, really nice tool Loan Dusty Road posted:I really love the simplicity of it. It’s one of those tools that anyone can pick up and figure out. Surprising how powerful it is for such little thought needed to set it up. Except zaurg  Glad you guys like it though! I had the same reaction myself when I found it. Comrade Gritty posted:I grabbed Pocketsmith to try it out, and it feels insane, but I'm not sure if I'm doing something wrong or not. I added an account for a loan I have, which gave me an account with a negative balance, as well as my checking account with a positive balance. It then detected the payment transaction as an expense in the checking account and another transaction as an income in the loan account. Which makes sense, but it then totally makes everything else confusing by counting that as income, so it shows up in the income statement as more income rather than as paying down an existing debt. You need to mark these transactions as transfers between accounts: https://learn.pocketsmith.com/article/367-transfer-marking-in-pocketsmith Basically when you have both an asset (checking) and a liability (loan) in Pocket Smith, it will apply double entry book keeping like a proper accounting software. In strict accounting terms, a loan payment is not an expense, it is a reduction of a liability. The true expense component of the loan is the interest. You can set up transfer categories to budget the loan repayments as a way of monitoring cash flow. https://learn.pocketsmith.com/article/132-dealing-with-transfers-in-pocketsmith Comrade Gritty posted:The rules engine for categorization also seems hopelessly naive. My car loan logs interest as something with the payee "Interest", but my savings account also uses the same payee, so I can't see to add an automatic categorization that would actually filter these to different categories because the payee is exactly the same (but entirely different accounts). You need to create an actual filter, then you should be able to set rules with multiple parameters: https://learn.pocketsmith.com/article/507-everything-you-need-to-know-about-filters Comrade Gritty posted:It's also apparently imported 600+ transactions going back... a year in some accounts, less in other accounts and it really wants me to go through and categorize all of them. More so than other budgeting software, it really puts this in your face and it's actually a good practice. It uses what you've categorized as the basis for trends analysis and a few of the other features like forecasting. If it bothers you a lot, pick a cut off date beyond which you won't categorize stuff and delete the transactions from Pocket Smith. Or do what I do, which is just chip away at 10 or so old transactions at a time. When you have your categorization rules and auto filters set up, you spend like zero effort categorizing news transactions so eventually you'll get them all. Comrade Gritty posted:Am I missing something? Is this how this software is supposed to work? It looks like there's a cool idea under the surface here, but right now I feel like I'm way too dumb to operate this software and I should just save the $15/month. Don't feel dumb! The key is to persist and ask questions. EDIT: ^^^ Bundy posted:I'd appreciate any tips on organising imported stuff. On that note, since a few others have started using Pocket Smith, should Pocket Smith chat go to a separate thread? I'm happy to get one going if there's interest. Leng fucked around with this message at 13:20 on Feb 1, 2020 |
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Feb 1, 2020 13:17
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Zu_Rag has left this thread, which is totes fine because he wouldn't have listened to this hot take anyways: McGill University is sort of well known for its business / economics / finance faculty, and as a way to pay-it-forward to the world at large, they offer a super-loving-stellar course on personal finance FREE to people who want to sign up. It is first-come, first-served, so if you wanted to learn how not to Zaurg Your Life(tm), you should sign up soon. https://mcgillpersonalfinance.com/ Course starts today. edit: Module 8 is called "Behavioural Finance". Almost pissed myself laughing about those words being used in this thread.
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Feb 2, 2020 04:25
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Sputnik posted:Zu_Rag has left this thread, which is totes fine because he wouldn't have listened to this hot take anyways: Someone here should audit the class and take notes for us. Sadly I’m already auditing something else and cannot also do this one.
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Feb 2, 2020 06:48
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I registered. All the videos have transcripts so let me know what I should pull out.
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Feb 2, 2020 10:26
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I'd read that thread Leng, thanks for the links
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Feb 2, 2020 10:52
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Finally signed up to YNAB a couple of days ago because of this thread and I can tell its going to be life-changing. I wasn't too bad with money but I realise my plan of just try to spend under X a month was basically the Zuarg plan and causing unnecessary stress when I had enough to pay for everything I wanted anyway.
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Feb 2, 2020 19:33
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Leng posted:Except zaurg I’d appreciate it. I tried it and my credit card came up with a negative $45,0000 balance. Most of my transactions were categorized from using mint for years so I gave up troubleshooting for now.
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Feb 3, 2020 02:25
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Bundy posted:I'd read that thread Leng, thanks for the links savesthedayrocks posted:I’d appreciate it. I tried it and my credit card came up with a negative $45,0000 balance. Most of my transactions were categorized from using mint for years so I gave up troubleshooting for now. OK then! Hop on over here for PocketSmith chat: https://forums.somethingawful.com/showthread.php?threadid=3913229
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Feb 3, 2020 09:28
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It's February! I don't get what's so hard about setting aside some money per month. Spending money/~30 days = daily spending amount. If you blew the money that day, you can't afford it. Be poor, it's okay. For bonus points, have money left over so you can buy in bulk next month. But what do I know? I'm young and naïve without all these crazy responsibilities going on.
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Feb 3, 2020 20:27
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quote:I don't get what's so hard about setting aside some money per month. None of the following applies to Zaurg. It's hard if you've never had to do it before (new to budgeting, major CoL increases or income reductions, etc), or if you're not used to having to balance budgets around the endless # of "one-off" things that show up each year (five weddings + family expects you to visit for Thanksgiving + Christmas + that dental work you needed + that anniversary getaway you promised your spouse + etc etc). It can take people a few budget cycles/years to get all that under control and especially to work up the nerve to tell their families 'no' to expenses outside their budget that are otherwise sentimental events to other people. I went from "always way under budget" to "holy gently caress, what did I do?!?" when I moved to the bay area and my COL tripled in pretty much every possible area. It took me the better part of two years to get everything back under control again, and if I'm not very careful with my budgeting I can still gently caress it up hard really easily with how expensive everything is, and how none of our family outside the area understand that and get offended that we can't do (whatever they think we should be able to do) at the drop of a hat anymore. That being said, it shouldn't take a loving decade to figure that poo poo out. It definitely shouldn't take a decade to even make the most basic attempts at figuring it out. Sundae fucked around with this message at 20:47 on Feb 3, 2020 |
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Feb 3, 2020 20:42
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Serious question: I am being offered a new position at my employer. Would be a ~$45k reduction in base salary, same OTE, but more upside (and likely easier to hit/exceed OTE). Basically moving closer to sales, closer to customers in a new role at the company, and being paid on a small district number vs a huge country number. New quota would be like 1% of the old quota, and I would have a lot more direct control. Problem: I did not budget for a huge hit to the base, but I can make it work for a time. Worth the risk at big upside?
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Feb 4, 2020 03:49
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Ultimate Mango posted:Serious question: I am being offered a new position at my employer. Would be a ~$45k reduction in base salary, same OTE, but more upside (and likely easier to hit/exceed OTE). Basically moving closer to sales, closer to customers in a new role at the company, and being paid on a small district number vs a huge country number. New quota would be like 1% of the old quota, and I would have a lot more direct control. Will you still be able to afford the new BMW lease every year? If so, yes, go for it.
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Feb 4, 2020 04:12
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Where’s your budget? The one for a February? As for my sitch: one base paycheck would cover house and car stuff, and one would need to cover everything else, but some big yearly expenses (school, property tax, house repairs (painting this year) would need to be covered by variable income. I prefer to only live on my base salary and save all the rest, but it just wouldn’t be possible with this new style plan. The upside would be multiple six figures a year, which I think makes it worth the risk. For those of you not Zaurg, I’m interested in what you think. Talking with my maybe new VP this week, who hand picked me for this job.
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Feb 4, 2020 04:18
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Nice six figgie humblebrag.
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Feb 4, 2020 04:27
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gently caress off zurg
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Feb 4, 2020 04:27
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Ultimate Mango posted:Where’s your budget? The one for a February? Feb budget has been set for a while, bro. It seems like you're really into the new opportunity, Mango. Why not go for it? What's the downside? What's this new position look like 3-5 years out, compared to where you are now?
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Feb 4, 2020 04:44
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n8r posted:Nice six figgie humblebrag. n8r, please be honest, would you still pay $1-3 bucks a month for a zaurg patreon? I've spent so much on SA I need to try to build a couple extra bucks a month to make up for it.
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Feb 4, 2020 04:45
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I think I'm saving too much into my retirement accounts. I should throttle it back a bit and put some more savings into a general savings account, shouldn't I? Let me ask you guys a question. If you look at the total amount you save per month, what percentage of that is going into dedicated retirement accounts 401k/IRA? Me? 82%. So if I saved $1000, $820 of that is going to loving retirement. $180 for other poo poo. That's not very balanced is it?
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Feb 4, 2020 04:54
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