MystikIncarnate

I need savings because all my bills land in the same week-and-a-half timespan.

So there needs to be all of the money in the account before that happens.

I know, it'll balance itself out in the long term, but the weeks I don't have bills to pay are usually the weeks that I need to refill the pantry, and end up spending more than I have allocated for that week so that I can eat.

I need to accumulate the base amount to pay all my bills when they come due, before I can really get started.

I know it seems really simple, once all my bills are done for the month, start then! Except there's probably incidentals, like the food that I mentioned, that need to be purchased, that I just can't afford on the $100 available for me that week. So I take what's needed, and then I'm behind again. The cycle continues.

I had a very good system for this when I was getting paid twice a month. I took the ~400 or 450 or whatever (again CAD) from each paycheck, and I split my bills so that, by cost, they were roughly split between before-the-15th and after-the-15th pay periods. I'd get paid, take my share, let the bank do the rest, and when I get a notification for a bill I need to pay by hand, from my calendar app, I go and pay it in full.

Then I ended up with weekly pay and suddenly, I'm paying 130%+ of a weeks income to pay my bills on the same week.

It fucked me up man. I'm still pretty wrecked by it and it's been like this for more than a year.

A cue is a marker point, usually for media production. It can be used in several contexts.

Queue would be a line, more or less.

I'm being reductive, of course. Just trying to help people who are too lazy to Google or look at a dictionary.

I like big butts and I cannot lie!

And I can buy this configuration off of a shelf at best buy?

I like that cultures that make spicy food, usually have a "mild" for their fellow countrymen, and a special "mild" for white people.

The white person mild.

I think that's hilarious.

For the record, I'm white and I appreciate having white person mild as an option.

By "taking off a layer" I mean, you take off your sweater and walk around in your t-shirt....

You would overheat in 15C weather in a T-shirt?

You monster.

This all sounds great until you realize that you need time to run up to this, or a modicum of savings in order to make it happen.

Your numbers are optimistic at best. My bills vary and they're more than 70% of my income (roughly).

It's more efficient to deposit my money into a bill payment account, then take out what I can spend from that.

Guess what I already do?

Guess how much "spend" I have, per week, that needs to cover all of my gas, food, and everything else? I'm not even saving a dollar, and my available money per week is around $200.

That seems great until you realize that I'm Canadian and it's Canadian dollars, and $200 CAD is around $150 USD.

I'm employed, full time, in a specialized field, and I can spend $100 USD a week on food because I need the extra $50 for incidentals and gas.

I don't need a budget. I have a budget. I need a raise.

Child.

Ok

According to that, I should be 53.

That's over a decade older than I am right now.

My favorite temp is around 15-18C. Sweater weather.

Cold sucks. But you don't need a lot of protection to be comfortable in 15C weather, and if you're too hot because you've been working or something, instant relief by just taking off a layer.

Summer is too hot. Winter always sucks.