If you’re looking for non traditional investments canned goods and shotguns have been steady earners
Home Budgeting
- Thread starter helechopper
- Start date
Has anyone had any experience with sites like Fundrise? Basically you buy into a group that invests in various real estate deals.
I've posted this link before but for savings/investment advice I highly recommend:
https://www.bogleheads.org/
You can check out the wiki which gives a good overview of evaluating 401k and IRA options. And if you want to create an account and post your personal 401k options, people are generally happy to help wade through the different options and suggest an investment plan for you.
I did that for a while. Put in a small amount, I think $1000. Left it there for about a year then sold my 'shares' of their funds. Saw a decent return, about 7% i think. I took my investment out because I was re-allocating our funds due to purchasing a home.
I'll probably look to re-invest in something like that again in the future.
yep, really like their stuff! I had posted to a similar group a while ago and there was not much love for my options. My husband has some good ones though so maybe we should up his more.
I searched transactions that had "pizza" in the title a few years back and realized I had spent nearly $3,000 on pizza delivery over the course of a year. We're a 2-person house but I am the SOLE pizza eater.
I've had the same problem with Mint. I used it for a few years, but when we switched to a local bank, it constantly has problems linking my transactions. We would go weeks without it working.
I have switched over to YNAB. It's functional and easy to use, and doesn't have that issue linking like Mint does; at least not with my bank. It also has a feature where you can manually enter transactions as they occur, then, when they post to your account, it will automatically sync so that it doesn't double-count the transaction (it always asks first).
I will say, YNAB is a "zero base budget" system. So, just like Every Dollar, they want you to give every dollar a name and it's designed so that you're not spending money you don't have and that every dollar that comes in the door has a name and there's no "MISC" category. So, you have to get into a groove where when your paycheck comes in, you're allocating that to upcoming expenses, instead of labeling transactions to budget categories as they come in. YNAB does categorization, but you're budgeting money you already have, not looking at money you've already spent. The idea is that this way, you realize ahead of time if the budget is going to be blown and you can adjust on the fly.
The challenge I've had with it (and someone tell me how I'm doing this wrong) is that my first paycheck of the month (I'm paid weekly) is 100% used up by the mortgage. So, I'm perpetually behind on my budget because I have to pay bills, buy groceries, gas, etc that first week as well, but according to YNAB I don't really have the funds for it. So, I've developed a workaround that seems to be working for me (too hard to explain on here). I also use a spreadsheet on the side just to keep me honest and help me understand where we are frequently blowing our budget.
TLDR; used mint for a while, wouldn't link to my accounts, so I'm using YNAB but still getting used to it.
Target and Hyvee make up probably 80% of all our expenses. We are a family of two adults, one small child, and an infant. We frequently spend $1000 a month on groceries. That always seemed insane to me and then I looked into the data. We did one big HyVee trip a week for our groceries on the weekends. But then, there were an average of 3 more trips to HyVee during the week for misc items. Of course that's three more opportunities for impulse buys. I've tried my best to limit those, but we still have multiple trips to HyVee every week.
I'm gonna be the guy who if 'that day' comes, will have a good plan for where I want to go, and bring enough supplies to at least tide me over for a few days, but will forget something like, say, water.
and literally today I get noticed my work plan is being modified and the only two Vanguard options I had are being removed
I hope you saved that $3,000 and invested in Caseys.
Pizza Hut Guy now has a daughter in college because of me... Hope she becomes a nutritionist or cardiologist FAST!
Haven't read the whole thread, so maybe this was already posted, but I basically do 50% o. hookers and 50% on blow.
BUMP
Anyone on CF a frequent user of YNAB? I tried it and couldn't keep up with the method. So I switched to Mint. Now I'm realizing that Mint is too focused on the past. I'm considering switching back to YNAB, but need some help on how to make it successful.
Anyone on CF a frequent user of YNAB? I tried it and couldn't keep up with the method. So I switched to Mint. Now I'm realizing that Mint is too focused on the past. I'm considering switching back to YNAB, but need some help on how to make it successful.
