You should def hit up a food pantry, saving some money on food for a bit will help you rebalance your finances. Not sure if you don’t make much or live in a really high cost of living area but another thing to look into is the Canadian version of food stamps if they have it. There’s no shame in getting help!

Ask for a raise. One thing that might help you stretch your money a bit further is utilizing a food pantry or food bank. Not sure if they are as common in Canada.

I was only off by $30 in my scenario compared to your situation. Having multiple accounts and using direct deposit to help divide your budget upfront just makes it easier.

I’m lucky that money isn’t a major concern for me at this point in my life, but earlier in my career when my ex-gf had a significant amount of credit card debt doing our budget this way really helped and got her to be debt free.

I’m not sure why you think my scenario requires savings to start, If you’re already paying all your bills. This is just a tool to help manage your budget.

That’s the point of setting up the bills account. If you deposit directly to it each check the amount you need based on how many checks you get. You won’t have to worry about finding your bills money when they are due and you’ll know how much you have to spend on other stuff because bills are already accounted for. If paid weekly put 25% of your total bills(rent, phone, Internet, gas, electric water ect.). For easy math let’s say total bills are $1600 a month you’d but $400 each pay check into the account ideally using direct deposit so it’s automatic. If paid every 2 weeks $800 a check. For usage based bills (water electric ect put enough for worst case bills in each month) over time you’ll build up extra money but leave it alone until you have at least 3 months extra in the account ( it could save your ass some day).

Let’s say your take home is $580 a week $400 to bill which leaves you with $180 a week for food and gas and fun. Seems pretty shitty and I’d recommend finding a cheaper place to live or get a roommate if possible in this scenario but at least you can clearly see how much you can actually spend while your bills are already accounted for. Is still recommend taking another $30 out leaving $150 for food and gas and put it directly into a savings account. Or split it $20(emergency fund) $10(fun stuff).

Don’t buy fun stuff (games, drugs, alcohol, movies, eating out) unless you can cover it from fun stuff account.

Emergency fund is for car repairs medical bills loss of income not a new TV or vacation.

If you get a raise 90% of the new take home should go to 80/20 split emergency/ fun stuff. If you can get at least 3 months of income (6 months would be better) saved in your emergency fund you can re-allocate some of it to food /gas day to day account and fun stuff account but only do that if you need to save your sanity, because in my experience every time you feel like you’re making progress some big bill will come along and wipe it out.

Honestly the mild sauce taste better, even though I like really spicy like ghost pepper+ levels of heat I get mild at Taco Bell on the rare occasion I go.

Open an account for rent and other known monthly expenses put 25% of that total from each check(or 50% if paid 2x a month). For utilities that are variable use an average of the 5 highest bills you gotten for each account. direct deposit some amount into a account for emergency savings. And the rest to your main account. NEVER steal from your bills account. You can add an amount for fun money as well.

🤣, I dunno but my CEO visited my sister’s LinkedIn(she’s the director of a local food bank). I work for a really big company so kinda crazy my CEO saw my post and went to my sister’s profile (I gave her a shout-out because I’m proud of what she does.)

Is there a name for this type of meme, a bunch of stock photos doing the same thing.

My only regret is nicotine. All the other stuff I put in my post is about things I’m happy I did right.

Never too late for a career change. Started my 2nd career at 30. 12 years later I’m the lead software engineer on a large project.

Know your financials, income and outflow. Use a credit card for everything but pay it off every month don’t over spend.

Unless you have a full ride scholarship do your general education at a community college.

If you don’t want to go to school join a trade union apprenticeship program. Talk to your local unions while you’re still in highschool so you can be prepared for the process.

IMO electrician > plumber/pipefitter > HVAC > the rest. Carpenter might be above HVAC but I didn’t really talk with any of them. I got hurt in my final year of my plumbing apprenticeship, I did graduate and become a journeyman plumber but left the field shortly after graduation to avoid back surgery. I’m a software engineer now.

Wait for kids. Learn to cook. Exercise. Work hard. Read. No nicotine, cocaine, opioids or other fiercely addictive substances. Everything else in moderation Don’t rush to have sex, but I’m def not advocating waiting till marriage.

Didn’t settle in your relationships, just because you’ve been together a long time doesn’t mean it needs to be forever. I didn’t marry or give up my desire to not have kids with my 5.5 year relationship. Turns out I just didn’t want kids with her. Imeet my wife 3 years later married her after a year and intentionally had a kid the following year(more than 9 months after our wedding thank you very much)

I have exactly one LinkedIn post I made recently after 12.5 years in my career as a software engineer. It was about supporting your local food banks during the government shutdown.

I grew up, and live in a tourist destination. My highschool was trash. Tourists are a nuisance. We have a few big events in town yearly that bring an insane amount of people here and most locals just hide in their house for a week at a time. I would leave but it has the only weather I like. I make really good money(well over 100k) in a non tourist job and can’t afford to buy here.

Pfft JD is trash no self respecting senior would by such short whiskey

No Congress abdicated its duty and so did the Supreme Court. If they were doing their jobs Sit like this wouldn’t happen.

Yeah but what is the volume they are selling and are they profiting from user data both of those things have a significant impact on price.

Economies of scale and not capturing data as part of your profit model

Found the dwarf(the fantasy kind).

So good

Jerry Brown was an awesome governor fiscally, and I don’t remember anything weird on social issues front. I really wished he was younger in 2020.

Each .1% earner got 10000 of them