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Joined 1 year ago
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Cake day: June 22nd, 2023

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  • You need to make a vertical list (ideally in a spreadsheet but paper is fine) of all your expenses that you can recall. Keep adding to this as your life progresses and you spend money on something not previously on it.

    Add a vertical column and put the amount of that expense there.

    Next to each item on the list note the expense frequency (monthly, daily, bi-weekly, etc…). Now, ask yourself how often do you get paid? Daily, Weekly, Bi-weekly…?

    The next column over you need to convert any expenses with a frequency that isn’t the same as your income frequency (Daily, Weekly, Bi-weekly). The way I do this is to multiply the expense amount by the number of times in a year you’d have to pay this to get the annual value for that expense. Then, divide by your income frequency/year to get it to match.

    For example: Lets say you are paid weekly. You need to convert monthly rent of $1000 to weekly in order to match your income rate. To do this multiply rent x 12 (12 months/year) = $12000/year. Divide by 52 weeks in a year = 12000/52 means you pay ~$231/week (round up to the dollar) for rent.

    Once you have done this calculation for all the expenses that don’t match your income rate you can now add all the matching values and compare this total to your TAKE HOME paycheck as it all matches. If your expenses are greater than your take home pay you need to cut back on things immediately. If you make more than you pay out then you can start adding ‘savings’ to your expenses list for things like emergencies, large 1 time purchases, and retirement.

    There are many, many ways to get stupidly pedantic about how the math is done. This was written to keep things as simple as possible in the hopes of reaching the most amount of people that could use it.

    Edit: for expenses that are unpredictable (groceries, entertainment) you need to ballpark an approximate value. Conveniently, these type of expenses are often the easiest to control or over-budget if you can.

    Edit edit: February is the only month where you need to be careful as it has the least # of full weeks in it which means monthly expenses can surprise you. Keep this in mind realizing that if you start budgeting today by the time next February comes around you should have plenty of savings to cover the 1x shortfall.




  • screaming fuck Microsoft when they are currently being really great when it comes to gaming.

    Try cancelling the Gold subscription and then tell me how really great they are. All the shenanigans you hear American companies using to prevent you from doing that suddenly rear their ugly head. ‘Oh the membership portal is down, call in’, [2hour wait on the phone later] ‘oh, you need to contact this dept. instead even if this was the number support gives you for cancelling subs’. ‘oh fine you want to cancel okay, but it will only take effect at the end of the month and IF you use the service any time between now and then it will renew the subscription’… and so on until you call the CC company, ask them to revoke the autopayment, they refuse (because you had an agreement that’s lasted so long), so you close the card and warn them any and all payments that come out are their problem so get on that shit now before it costs them money…

    Nah, they’re a corporation. One with negative influences that far exceed what little good this ONE aspect of their business might seem to you. Even in this 1 thing, they are good to you until that is no longer in their interest, then they try to F you every way they can.

    Fuck Microsoft, especially for Gold Live for fooling rubes into thinking they’re this great magnanimous gift to humanity.



  • The ways to force a refund on a preorder are much reduced over that of straight purchasing the game after release. Pay by Credit Card too far in advance? Request declined. And, considering you already proved most my assumptions correct (namely ‘lack of impulse control’, and ‘muh, my money my right to be a bitch’) already I’ll add another one. You won’t refund a bad product even with the only assured window you get (the small warrantee period you get from things like Steam ie: 2hours) for 2 reasons: 1) you’re a sucker for the BS appeals to patience and tolerance that marketing always puts out when there are ‘unforseen, lul, issues with development’, and 2) you’re so starved for anything to distract you from your miserable life you’ll accept getting your feces pushed in by game companies for the meagre hits of dopamine you get from your pre-purchase rewards.

    Here’s the deal: your life is already so bad I’ll give you permission to make the selfish, impulsive purchase decision only because I’d rather you ruin the game industry than take out your issues on real people in your life (if you have any left).


  • Nobody, not once, has said ‘it is not your choice’. This always gets brought up like that’s what the argument is. Make the stupid choice all you want. Be our guest. What we’re saying is “if you pre-order this game, you have zero right to: complain about its content for ANY reason, bitch about release delays, or complain about the constant degradation in release quality of ALL games (because like it or not you’re the reason why this happens)”. Thing is you won’t though will you? You’ll be first to give a bad review saying ‘I got early access and the quality is garbage!’.

    Let me guess though, you’ll be like “muh, my money, my right to complain about what I want” because taking responsibility for the inevitable consequences of ones actions is for people with actual impulse-control.


  • The Baldur’s Gate series has some roleplaying involved in that while the story is fairly scripted your characters behaviour affects the outcomes of various events (with some unique trees branching off). Additionally, the more your actions diverge from the team’s alignments the greater the odds members will outright leave.

    It’s not perfect, but you really won’t get that from any game without multiplayer involvement. In the end almost all roleplaying in electronic games can be boiled down to simply making multiple-choice decisions that result in a predictable chain of consequences/output.

    Mass Effect is similar to Baldur’s Gate in this respect though much more dialogue driven. Fallout Series is another that you might like too.