Kits (1)
Car Emergencies (U.S. Southwest w/ Tent Camping Gear Already Available)

Gear to address accidents and emergencies that happen on the road. I live in the American southwest; as a result, I've prioritized hot weather safety over snow and ice safety, although I have a few things in here that help with cold weather basics. Likewise, I do a lot of tent and car camping, so I saved money by crossing my car kit over nicely with my camping gear.

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Reply to: Dealing with documents/important info when SHTF Posted June 6, 2022
Reply to: Tech security question, having critical docs online safely Posted June 6, 2022
Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Oh, cool! I haven’t investigated Every Dollar before. When I pull up the website, it looks a lot like YNAB! You’re right — one of the things that I see in common between the two is how both ask the user to create categories to determine what that lump of money your bank account is for. That’s had a huge impact on my ability to discern what I want, to plan for my spending, and to establish emergency savings.  It looks like Every Dollar lets users forecast future bill payments. YNAB does that a little through its Scheduled Transactions feature. I’d be interested to hear how Every Dollar’s future bill calendar works. Does it allow forecasting, i.e., putting income that you haven’t been paid yet into a future month’s budget to plan for that month? I know the bill calendar is something that YNAB users talk about wanting in-app, so I’m curious about the feature differences.

Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Oh, sure thing! The cost is $98.99/year or $14.99/month USD.  I recognize that that is a high price, and that not everybody can afford that or needs that. I get a lot out of using the tool, and the cost is very worthwhile to me. If the cost is a mitigating factor for people checking this out, here are a few ideas: I dig how YNAB makes the methodology behind the system really clear, to the point of talking about how to set up a budget using a spreadsheet (without buying a subscription to the app) in the YNAB book. See if your local library has a copy, or if you can snag it on sale on Amazon Kindle. College and graduate students can get a free year of YNAB through the student program 501(c)(3) nonprofit organizations that do financial literacy work can get access to free subscriptions of YNAB to give to the people whom they serve 

Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Great points and ideas. I’ve got mixed feelings on Dave Ramsey, but I love his quote: “If you will live like no one else, later you can live like no one else.” I hear that idea echoed in your first sentence about compromising, @Joker. I’m feeling that compromise right now in my own budget. Choosing not to go to a dear friend’s wedding in another region of the country in order to save money for a down payment on my first house makes me feel the pinch, but I’m confident that it’ll be worth the sacrifice when I open my own front door and get to walk into a place that’s all mine in 3-4 years. Keeping track of expenses, too, has really helped me to identify what do I need, what do I want that’s important to me to have, and what’s nice to have but I can do without. Without a plan for my money, it’s easy to say “I need groceries” and spend $80+ per week for just myself. Really, I love to cook and to eat well. I do need some groceries, but I do a good job of limiting myself to $50 a week — more than that is nice to have, but I can do without. I’m glad that my dad taught me the importance of buying quality. I love that you’re still using hand tools owned by your father and grandfather. That sounds very satisfying and special, to keep something useful in good condition and to share that connection with the men who used it before you. 

How to budget, save money & establish financial health
8
13
Posted June 3, 2022
Reply to: Prepping for self-managed abortion post-Roe v. Wade Posted May 3, 2022
Reply to: When and where to not carry concealed firearms Posted April 14, 2022
Reply to: Prepping for self-managed abortion post-Roe v. Wade Posted April 13, 2022
Prepping for self-managed abortion post-Roe v. Wade
21
29
Posted October 11, 2020
How to budget, save money & establish financial health
8
13
Posted June 3, 2022
Prepping for self-managed abortion post-Roe v. Wade
21
29
Posted October 11, 2020
Reply to: Dealing with documents/important info when SHTF Posted June 6, 2022
Reply to: Tech security question, having critical docs online safely Posted June 6, 2022
Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Oh, cool! I haven’t investigated Every Dollar before. When I pull up the website, it looks a lot like YNAB! You’re right — one of the things that I see in common between the two is how both ask the user to create categories to determine what that lump of money your bank account is for. That’s had a huge impact on my ability to discern what I want, to plan for my spending, and to establish emergency savings.  It looks like Every Dollar lets users forecast future bill payments. YNAB does that a little through its Scheduled Transactions feature. I’d be interested to hear how Every Dollar’s future bill calendar works. Does it allow forecasting, i.e., putting income that you haven’t been paid yet into a future month’s budget to plan for that month? I know the bill calendar is something that YNAB users talk about wanting in-app, so I’m curious about the feature differences.

Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Oh, sure thing! The cost is $98.99/year or $14.99/month USD.  I recognize that that is a high price, and that not everybody can afford that or needs that. I get a lot out of using the tool, and the cost is very worthwhile to me. If the cost is a mitigating factor for people checking this out, here are a few ideas: I dig how YNAB makes the methodology behind the system really clear, to the point of talking about how to set up a budget using a spreadsheet (without buying a subscription to the app) in the YNAB book. See if your local library has a copy, or if you can snag it on sale on Amazon Kindle. College and graduate students can get a free year of YNAB through the student program 501(c)(3) nonprofit organizations that do financial literacy work can get access to free subscriptions of YNAB to give to the people whom they serve 

Reply to: How to budget, save money & establish financial health Posted June 6, 2022

Great points and ideas. I’ve got mixed feelings on Dave Ramsey, but I love his quote: “If you will live like no one else, later you can live like no one else.” I hear that idea echoed in your first sentence about compromising, @Joker. I’m feeling that compromise right now in my own budget. Choosing not to go to a dear friend’s wedding in another region of the country in order to save money for a down payment on my first house makes me feel the pinch, but I’m confident that it’ll be worth the sacrifice when I open my own front door and get to walk into a place that’s all mine in 3-4 years. Keeping track of expenses, too, has really helped me to identify what do I need, what do I want that’s important to me to have, and what’s nice to have but I can do without. Without a plan for my money, it’s easy to say “I need groceries” and spend $80+ per week for just myself. Really, I love to cook and to eat well. I do need some groceries, but I do a good job of limiting myself to $50 a week — more than that is nice to have, but I can do without. I’m glad that my dad taught me the importance of buying quality. I love that you’re still using hand tools owned by your father and grandfather. That sounds very satisfying and special, to keep something useful in good condition and to share that connection with the men who used it before you. 

Reply to: Prepping for self-managed abortion post-Roe v. Wade Posted May 3, 2022
Reply to: When and where to not carry concealed firearms Posted April 14, 2022
Reply to: Prepping for self-managed abortion post-Roe v. Wade Posted April 13, 2022