Yeah, we had a revolving credit mortgage and that's the only time in my life I wasn't on top of the budget, because I didn't need to be.
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But that's still just matching your outgoings to your incomings, even if it's in advance (because all budgeting is for figuring out future spending/saving). I'm really struggling with this because, in my mind, that's what budgeting IS. If you're doing it some other way you're not really budgeting.
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I think the issue is that people who are or have been actually poor know this because they have to. People who DO make enough to live on, and always have, can get by never having to learn this because everything just sort of works out. Credit cards probably a contributing factor.
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Right, right. And that middle, as we keep hearing, is getting "squeezed" so they're having to adopt strategies that poor folk typically use.
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Wow.
I had assumed that people had basic financial literacy. I guess growing up on the DPB in the Shipley-Richardson era gives you mad skillz.
(My kid is ten and I've already taught him the "pay yourself 10 percent first" savings trick).
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Like, fuck me, am I a budgeting expert?
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The numbers don't care how you feel about them!
I mean, I clearly am a saver rather than a spender so this didn't teach me anything I didn't already know.
Also, I've never heard of basing your budget on previous years? As a rough guide, maybe. But your expenses now are your expenses now.
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Apparently the way I manage my household income is a TikTok trend.
I read this whole article waiting for them to get to the bit where this budgeting trick was something more than "making sure you don't spend more than what you make". Do people not know this?!
www.rnz.co.nz/news/busines...
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"It's actually only called 'Sham pain' when it's sparkly fash tears from the election year in France"
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“Mihingarangi Forbes: I’ve still got heaps of gas in the tank” e-tangata.co.nz/korero/mihin...
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Am I cooler than the least cool thing imaginable? Yeah, probably.
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Vroom, vroom!
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Proposed update:
“Inside you are seven dwarves, which one most closely aligns with your mood today?
🍆Horny
🗡Stabby
🩹Crampy
😭Weepy
🧟♀️Zombie
😫Stressful
And
👍🏽Yeah, fine actually”
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There’s all this stuff in the fitbit app that lets you track your period (and tells you when you’re probably ovulating) but none of the mood options include “horny” which seems like an oversight.
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Ah, I see. Thanks for clarifying.
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Deco nerd here. Deco isn’t mid century.
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Nice tshirt in that young fella.
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But… but the 4pm phone calls?
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Pika-chew on that!
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Sorry but not surprised that this seems to be resonating.
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