AdditionalAttorney

AdditionalAttorney t1_j28wab1 wrote

Reply to comment by random_curiosity_guy in Ratio of Saving vs Investing by random_curiosity_guy

What really helped me was starting to use a budgeting tool (I swear by YNAB r/YNAB).

Bc it makes your day to day goals and priorities much more clear. Like do I value lattes or Ubers more…. How do I pay for vacations if money is tight etc…

It’s also made it really easy to understand how much my current lifestyle costs.. this includes the ebbs and flows of maintenance and emergencies (I’ve been doing it for a few years so have the days)…

Bc I know what my lifestyle costs it’s much easier to feel confident to invest more at the end of the flow chart bc I feel confident there aren’t a lot of major things I forgot abt…

And for things in X years idk about… well chances are once I decide I want it say a wedding or a downpayment… I can shift towards saving for it …. Anything 5 or more years kit isn’t worth keeping in cash. You could do a CD ladder or i series bond if you’re nervous abt putting too much in the market

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AdditionalAttorney t1_j28ukp5 wrote

Reply to Ratio of Saving vs Investing by random_curiosity_guy

If you’re at the end of the flowchart it should all be invested

It sounds like you’re not sure, which makes me think you need to work on step 1… understand your spending, understanding your goals and priorities. Understand what your EF is for to make sure you have the right amount.

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AdditionalAttorney t1_j21sjkp wrote

Reply to Apartment heat is not working, what can I do? by BeneficialSurprise

Read your lease

Also call office of tenant advocacy for language to use with your landlord and to know exactly what’s expected to be covered.

Dear landlord, per statue x, temperature is required to be …. As we discussed on date x, temp has been at x. It has now been x days with no remedy. Per statute x I am requesting you cover my lodging at hotel x at a rate of $xxx/day.

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AdditionalAttorney t1_j1xefkd wrote

Reply to My experience with Bombas socks... by [deleted]

I’ve had something similar. I got them as a gift and emailed them to get an exchange for a different color. They sent me a new set and told me to keep/gift/donate the other ones.

Another company w a similar experience is SimpleModern water bottles

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AdditionalAttorney t1_j1m8f4r wrote

Reply to comment by Truth_I_Fear in Need recommendations for a TENs Unit by AM_0019

I’d be wary of zynex. They told me insurance covered it when it doesn’t. (That’s on me I should have checked myself). And have now continued to run insurance claims for the last 2 years bc they don’t think they got enough from the first claim.

So I’d only go with them if you know for sure insurance will cover it or you pay out of pocket.

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