Asklemmy

How to properly manage a budget and how do credit cards work

Your own happiness is more important that somebody else’s happiness.

Not to say you shouldn’t be nice or help people, or invest in other people’s growth.

But don’t do it to the detriment of your own.

Your high school diploma. Nobody ever asks for it. No job I have ever held has asked for proof that I completed high school which I didn't. My last job had a class they wanted me to take at a night school and that's when they realized I didn't have it after 7 years of competent, exceptional work, so they just shrugged and got me in there anyways

Grace Periods.

I'm glad I know them now, because for the longest time, I thought I was in a fucked situation whenever my finances were tight. Like if I was due a bill and my pay cannot cover it because of the dates being different. It used to make think that I had to take a hit and just roll with it. But no, some of my bills allow me a brief grace period where I can gather resources in time. Sometimes I'll even stretch my money beyond some grace periods if it means that I can upkeep some resources then just pay the difference later.

• Any work or study done during an all-nighter is a waste.

• If you meet someone and all they do is talk about themselves, they won't be a good friend.

• Nobody really cares how you look or what you wear. And anyone who does has bigger issues they would rather not deal with.

You can just ask people out. You can just ask to kiss someone. I was in my mid 20s when someone told me the first one, and late 20s when someone told me the second one. Dating got a lot easier after each revelation.

I'm a perfectionist and I realized I've been making life too hard for myself. Choosing a low bar for success but keeping the ceiling high has felt like a much healthier approach.

I was never going to "find myself" and so I should have just gone to college with my friends for computer science and made the good money when jobs were easier to get even though I had no interest at all in it. Hindsight is 20/20 and all that jazz. Now I'm a worthless schmuck in a factory living in someone's garage paying their mortgage in rent prices.

All my interests are hobbies, some of them even too expensive for me to do lol they're nothing you can monetize.

Relationships can be anything you want them to be. I wish I spent less time trying to figure out if someone liked me and just tried to have fun with everyone I met.

Compound interest.

That it doesn't matter what other people think of me as long as I'm happy.

Being a good person is a weakness in capitalist civilizations.

Brushing teeth regularly, and flossing , is more important than I ever realized.

At 50 I learned I’d been tying my shoes wrong my entire life.

https://www.fieggen.com/shoelace/grannyknot.htm

The sunk cost fallacy is a very easy way to get stuck being miserable.

Sometimes a drastic change might be painful at the time but will be much better for you overall.

How to tie my shoes

That you don't put soap in the bootyhole

Manage your finances. Know where every penny goes. Budget as best as you can - plan for all of the things you know you spend money on through a year. It doesn't mean you can't spend money on things you like, but it does mean that you know when you can afford it. It gives you confidence and control no matter how much you are making.

The thing that comes only with age is: to not give a fuck.

When we learn that it doesn't matter we can all be little old people who are purple mohawk headed, wearing clashing neon adidas jumpsuit with zebra primted boas.

To just invest in broad index funds instead of trying to play the stock market.

Bogleheads