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Memory crisis expected to last until 2031, supply already allocated for 2026
(www.tweaktown.com)
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Rules:
I keep a separate savings account for things like that. I just call it "upgrade" in my banking app. Its money specifically earmarked for any kind of entirely-optional big purchases, like computer upgrades, server upgrades, home theatre upgrades, etc. I also have one earmarked for replacing my current cars and one for vacations, plus of course my emergency fund
The only problem with this approach is I tend to hoard my money and want to see my savings account go up, so I really don't end up spending as much as I could on myself. Like I have an entire computer's worth in the "upgrade" account right now
I have a checking and a savings. The checking has about 100 bucks in it. The savings 3.15.