Nothing fancy, I mainly use credit card(s) for grocery spending so with each monthly statement will record that' month's grocery spend totals in a spreadsheet for spending/budget tracking.
For price comparison I just take a picture of the price tag for something I'm curious about & bring it up on my phone when shopping at a different grocery store. Not the most advanced price tracking but it sort of works :P
Usually Newegg and Amazon, sometimes NextWarehouse for things I'm not in a rush for (they do a lot of drop shipping from the distributors/manufactures themselves so it's sometimes cheaper but also slower). B&H is also worth a look, sometimes they do price drops on things & end up being cheaper than the other places.
There's a local Best Buy near me that's in a special tax district (lower sales tax) so I could try checking them out but usually the prices there are marked up so much that it's not worth it IMO.
There aren't any Micro Centers near me, it'd take a fair amount of travel to get to one.
No idea about the fdroid repo but the application itself is very much still being developed/updated
https://gitlab.com/proninyaroslav/libretorrent/-/releases
https://gitlab.com/proninyaroslav/libretorrent/-/commits/master/?ref_type=HEADS
Ah I remember that one, that AI image looked just like one of those weird t-shirt spam posts LOL.
That aside not quite sure what position this community takes on AI generated posts. Personally I'm here for the normal memes so I'd probably unsub if it was flooded with AI posts, but just a random post once in a while isn't a big deal. For what it's worth there are definitely communities around that cater to AI image posts, you could try one of those instead.
investing it as a lump sum on January 1st will produce higher returns more often that investing on a monthly/weekly basis
Correct, you're referring to investing via lump sum versus DCA (dollar-cost averaging). And you also need to consider your investment's time in the market - Most often the longer you are invested the better your returns are over a long timeframe. And this is where lump sum comes in since you are investing everything as soon as possible in the tax year.
But of course no one knows the future. A terrible year in the market = your early year lump sum looking like a bad bet. But we're talking about an IRA here, the whole idea is to leave it invested long term so even a terrible year should pan out on its own over time.
All that aside if you're really worried about it and/or strongly feel that markets are going be down for the entirely of 2024 then there's nothing wrong with going DCA (investing every week/month/whatever).
It's a waiting game, unfortunately that's how viral infections & their symptoms work. It could be a few days, a few weeks, a few months.. and yes could even be a few years. And for some people the lingering symptoms due to a viral infection never really go away.
For what it's worth the people I know that have lost their sense of taste due to covid regained it after a few weeks/months.
I haven't been following any specific method, just a budgeting spreadsheet that has evolved over time - though my own method works out similar to the "Pay yourself first" method mentioned in that link. Basically a spreadsheet with columns for each month & the rows document required expenses/bills, then savings goals, then slightly less-required expenses & discretionary spending. Some people do similar using "buckets" of spending goals & that works too.
Been doing it for a while so at this point already know my expected monthly/yearly costs & even have a year out projection of where the savings goals will land at the end of 2024. Of course keep in mind life happens, no amount of budgeting will get you out of surprises. It's always best to have emergency savings.
For what it's worth spending flowchart from the Personal Finance communities helps out a ton when planning things out e.g. https://lemmy.ml/post/1161162 from [email protected]
EDIT: Speaking of the other communities you may want to visit [email protected] / [email protected] while you're on this topic :)
Rarely/never ketchup. I only eat that stuff if a friend or someone already put it on a plate/dish being served to me without asking first.
Mayo & mustard are both awesome depending on what they're being put on. And sometimes they team up & can be used together e.g. they work well together in tuna.
PS - You should throw butter in the competition, a lot of people would vote for that over mayo :)
Once worked with a guy who refused to wash dishes, said that is a woman's responsibility. He only uses paper plates and plastic utensils.
I never asked him if he cooked but kind of figure it'd the be same answer LOL.
You are not required to only have one bank account. You can have as many checking/savings accounts as you like.
If you like the CU account then keep it & open a different account elsewhere with higher rates for the majority of your cash to sit in. You can transfer money between bank accounts.
Been listening to Apes of the State the last few weeks, kind of got myself hooked on that at the moment.
Though I'll probably switch over to Pkew Pkew Pkew in the next week or so since there's a show coming up in Brooklyn, those guys are awesome.
Sort of depends on what type of printer you're aiming towards. At work we've been mainly using HP Laserjet (the more expensive business class types with multiple trays) & those things are workhorses, they do last a good while. I also did work for a guy whose office still runs an ancient HP Laserejet from probably 20 years ago & somehow the thing still works (old enough to still have a parallel port on it haha).
On a related note more recently I've been testing a Canon MegaTank color inkjet to replace our dying Lexmark color laserjet, so far everyone in the office hates the Canon.