I've had the same secured credit card through my bank for years; I only use it for car rentals and when my debit card gets declined on international online purchases. It's very easy to maintain as there are no fees and I always pay off the balance within the week; however, there are also no rewards. I know that a lot of credit cards out there have cashback rewards, and it seems like kind of a waste not to take advantage of that. But there are so many different ones that it's horribly overwhelming for me to try to research which one(s) might be a good choice. Costco has one which would have probably been an easy choice if I were able to spend more money there, but as of currently I have very little space and only hold a membership for gas.

So, do any of you lovely folks have recommendations to give me a starting point for what to look into? What cards have you used and been happy with?

ETA: I am in the US!

I finally have the space to finish a project I've been working on which is a study with 3 bookcases. So far, my idea is to have 1 with books that will always be there, such as classic reads, or even an encyclopedia maybe?, or other reference material. Basically, a permanent bookcase whether or not I've read the material. The other two will be rotated in and out of stuff that I'm reading, have read recently or on my backlog before swapping or donating.

Anyways, what's in your "must have" bookcase? Reference, fiction/non-fiction, Calvin & Hobbes even! (Although that's more of a coffee table piece)

In general, I found a lot of real gems this year! The indie scene is thriving like never before, and smaller teams are being enabled by the likes of Unreal Engine to create really beautiful games on a budget. So I had a lot of free time today and yesterday, and decided to go through my discovery queue and check out a few demos. That quickly ballooned into sitting down and playing right through over a dozen demos, two of which (The Lies of P and Wizard with a Gun) I didn't get far enough into to give any coherent thoughts on. How many demos did you check out? Are there any games you're looking forward to on that basis?

The Cosmic Wheel Sisterhood: 5/5
From Deconstructeam, a Valencian studio with a strong emphasis on narrative, choice, and empowering the player to create their own art, this demo was one of the big winners for me. Gameplay revolves around conversations, VN style, but those conversations often happen in the context of you performing, essentially, tarot readings where the cards are all designed by you. I had a lovely, relaxing time making my own cards, and the challenge of interpreting them to the people around me in a way that felt… true, I guess, was memorable. There is an impressive level of responsiveness to your choices on display here, both on a micro level and, it seems, on a macro level, so I have to think that the game will be pretty replayable. My one gripe was that the dialogue felt a bit stiff and unnatural at times. The game isn’t voice-acted, and the lack of rhythm or cadence in a lot of conversations kept them from flowing well. But that said, even if individual lines of dialogue fell a bit short, placed in context, the conversations felt meaningful, engrossing, and interesting. I will be buying this on release.

Death Must Die: 4/5
I’m a sucker for the “Survivors” genre. My first experience with it preceded Vampire Survivors, the little $3 game that swept the world last year and popularized the new gameplay style; I started with the mobile game that inspired VS: Magic Survival. I had tens of hours in that game. And each subsequent entry into the genre; VS, HoloCure, 20 Minutes Til Dawn, etc., etc. have only worn me out more. These games are all the same: more enemies fill the screen; you get more autofire weapons to deal with them and dodge around to avoid contact damage. Fun for half an hour, but don’t really leave you wanting more. Death Must Die is different. Isometric rather than top-down, the combat here is all manual. You click to fire off an attack that needs to be well aimed; enemies don’t deal contact damage but instead have telegraphed attacks that you have to dodge. It feels very ARPG, actually; a bit Diablo. And the level-up system, which sees you selecting boons from different gods, is clearly inspired by Hades and offers considerably more interesting choices (so far, at least) than the usual Survivors game. Feels a lot more skill based, and a bit more build-craft-y, than usual. And I even caught a whiff of a story, though how well it’ll be executed remains to be seen. I look forward to the full release. Just wish there were more defensive options – maybe a parry?

El Paso, Elsewhere: 4/5
This is cute. A Max Payne-style third person shooter that’s well written in a surreal, noir sort of way; corny enough to be delightful; dark enough to maintain the tension. Visually, it’s a low res, low poly callback to the PS1 era. The gameplay is pretty tough; I didn’t finish the demo, but I imagine it would be a lot of fun to master. I’m keeping my eye on this one, even if it’s not my usual type of game. A special callout: there are biblically accurate angel enemies in this game, which makes me a very happy woman.

Escape from Mystwood Mansion: 3/5
I like escape rooms, and this demo is just a well-constructed escape room – actually, it skews very closely to the types of puzzles and mechanics I’ve come to expect from physical escape rooms. I’m not sure if that’s a good thing or a bad thing; I do wish the game used its medium to get a little more wild with it. But the puzzles were generally pretty well constructed and offered a few fun “aha!” moments when I solved them, and I didn’t need to look at a walkthrough or lean on hints to get through. That said, the hints that I did use were pretty lackluster, and in one case, actually wrong, so that system needs some revision. Some of the sound design got a bit grating, too. I don’t know. Were this a co-op experience I’d probably like it a bit more. The appeal of an escape room is the excitement of solving it with a friend, and there are certainly enough self-contained puzzle sequences here to support that. But no; Mystwood Mansion is a solo experience, and I’m not sure if it’ll be that fun to solve multiple predictable escape rooms alone, staring at a computer screen.

The Invincible: 3/5
I am of two minds about The Invincible. This game is an atompunk sci-fi walking sim adapted from a novel (my roommate tells me) by Stanislaw Lem, and so, suitably, what we have in this demo is a slice of high-concept sci-fi steeped in personal stakes. I have a hard time thinking of anything bad to say about this game. It looks good, runs well, has an interesting story that left me wanting more. And yet, one day after playing it, I just do not want to pick the game up again. I suppose part of it was the pace. Some of the best walking sims – What Remains of Edith Finch – tell incredible stories in the space of two hours. Meanwhile this demo was 40 minutes long and felt like only a small piece of some grand, sprawling story. Environments are huge and your walking speed is pretty slow, so there’s a lot of time between set pieces where your character is just having headaches or struggling to breathe, which really wore me down. I can’t imagine playing this game for 10 hours; 5 might be pushing it. It’s not super tempting when I could just read the book.

Loodlenaut: 2/5
Oh boy, Loodlenaut. Where to begin. Okay, so, I actually like this game. It’s pretty, and relaxing; an ocean exploration game where your job is to clean up trash, rescue wildlife, and climb the tech tree. I have played through the entire demo, done everything there is to do, which took about an hour. And I will absolutely not be playing the full game. If you’ve played Powerwash Simulator, you know how satisfying it can be to get rid of muck and watch a meter climb up to 100% clean, and Loodlenaut scratches a similar itch. The problem here is that the game feels so clunky and limited that the frustration often outweighs the satisfaction. For example, you have a cleaning gun that picks up trash, destroys goop, and breaks boxes. But you don’t aim the gun, the game does, and it’s not really based on where you're facing or what you're closest to so much as it is on the game’s capricious moods. Say you’re trying to pick up a glass bottle, but there’s a crate nearby that you can’t break yet because you don’t have the right upgrade. Well, Loodlenaut will snap the gun to the crate and repeatedly try to break it, until you wiggle around enough to get it to change its mind and pick up the bottle. Wielding the gun is a constant frustration, as is sluggishly moving through the ocean. Your swim speed is slow, and your boost recharges slowly, so going back and forth between central base and the area you’re cleaning – something you have to do pretty frequently – takes what feels like an eternity until you sink lots of resources into infrastructure. None of this is a bad idea – incentivising players to craft boost rings to improve traversal is a good idea; auto-targeting is more comfortable than aiming on a controller – it’s just these systems are poorly implemented, which leads to frustration.

Luna Abyss: 5/5
Luna Abyss is a fucking wild demo. I downloaded it because the game’s description used they/them pronouns for its protagonist. I had no idea what I was getting into. So, okay, the best comparison I have for this game is to Returnal. Like that game, Luna Abyss is a high-production value 3D shooter where hitting your shots is easy, and the difficulty comes from avoiding the attacks of bullet-hell style enemies. And like Returnal, it has a strange, unsettling atmosphere, tight movement, and punchy, satisfying guns. Of course, Luna Abyss isn’t a roguelike, and it appears much more straightforward with its story beats so far. I don’t know, I’m having a hard time capturing what makes this game so great. Let’s start with the world, which is bleak and dark and oppressive. You run through cavernous metal structures, all black and grey, lit in harsh red. Enormous metal pipes twist and curl and embrace each other like enormous, mechanical intestines, and you run across them to get to your next objective. This place was not designed for you, and you feel that so clearly as you traverse it. You jump off the pipes and enter into combat, where a generous aim assist ensures that all your shots will hit. But there are a couple of enemy types to prioritize. You fire your shieldbreaker at a flying enemy, killing it, and time slows to a crawl, increasing the impact of the shot and giving you a tiny moment of respite to see what bullets you’ll have to dodge and decide what enemy you should prioritize next. A miniboss spawns in, grinning facelessly, and releases a flower of projectiles. You sprint and jump and dodge and you keep firing until she’s dead. The room is clear, and the demo is over, and your screen is awash with the bright, striking red of the UI. “Thanks for playing,” it says. I felt like I should be thanking it, instead.
It’s impossible to say, at this juncture, whether the game will be good. The crumbs of story were certainly engrossing; the combat fun; the world, striking. At the very least, Luna Abyss looks like it will be one of the most interesting and unique games of the year, whenever it comes out. I can’t wait.

Sea of Stars: 3/5
This one is alright. The world is beautiful, the music peppy, the character designs good. I just honestly have not played enough turn-based isometric RPGs to compare it to anything. I did have two big disappointments: I thought the writing was a little… on-the-nose, I guess? Characters just stated their objectives and everything was pretty surface-level. Dialogue wasn’t attacking or defending, only conveying information. And while the combat was fun and had a challenging timing element, it ended with a boss who I spent like ten minutes fighting for a single attempt, used all my items, did everything I could, and still lost to in dramatic fashion with no indication I had done any real damage. My suspicion is that the boss is simply meant to be an organic end to the demo, a scripted loss, but I don’t know; if not, it probably indicates that this type of game isn’t for me, since I found it to be quite a slog.

Stray Gods: 2/5
I really wanted to like Stray Gods: The Roleplaying Musical. It is, essentially, a choice-based VN in the style of a broadway musical about ancient Greek gods struggling to live in modern society. A tantalizing premise, if a bit theatre-kid-y. But my degree is literally in theatre criticism, so I have a lot of tolerance for the genre’s usual excesses. I can’t think of another musical video game, but Stray Gods’ demo did not convince me that the idea could work. The performances aren’t the problem here; Laura Bailey is a charismatic lead with pipes good enough to carry the show, and the supporting cast of big names (Troy Baker, Felicia Day, Khary Paton) are no slouches either. But so much about this game is just not working for me. Let’s start with the sound design. This is one of those games where it feels like all the actors are recording in totally separate rooms. There’s a lot of dead air, not a lot of dynamism or one person bouncing off the other during conversation. It robs scenes of a lot of momentum and impact. And when I say “dead air,” I mean dead air. Bafflingly, the game seemingly has no room noise, no background audio, so when people aren’t talking, or music isn’t playing, everything is completely, uncannily silent. It’s genuinely weird.
The musical numbers alleviate this weirdness by filling the soundscape but do little else to pull me in. We get to see four songs in the demo; two from the opening act, two picked from later in the game. All of these songs are very similar – fugues or duets, where one character has one perspective and another character (or chorus) has another perspective, and their conflict is expressed and then resolved through song. Which is a fine structure for a song in a musical, don’t get me wrong, but it is not a fine structure for every song. Even our main character Grace’s “I Want” song, the song that establishes her, her desires, and internal landscape and should absolutely be a solo, is a duet with a woman she’s just met. It does not work. And when the game has you making dialog choices during songs, it robs them of a natural arc; there’s no organic progression from the characters’ starting points to their ending points. Some part of me hopes that this game will be good, but I’m not optimistic. Stray Gods is no Hadestown.

Vampire Hunters: 3/5
In the Death Must Die blurb, I praised that game for refining the “Survivors” genre by making tweaks that allow for more skill and expression. But fuck that. Vampire Hunters is a braver game than Death Must Die will ever be, because it dares to ask, “What if Vampire Survivors was a boomer shooter where all your guns were on screen at the same time?” The result is absolutely wild; by the end of a run, more screen space is devoted to your guns than the entire rest of the game. It feels pretty weird to play, too; all of your guns have different ammo counts and may or may not be automatic, but all fire with the same button, so it can be tough to manage all of their separate ammo pools. And XP drops have a tiny pickup radius, so you really have to move to get them all. The neatest trick the game pulls is that it increases enemy spawn rate when you sprint, so moving at a high speed carries a lot of risk. But apart from that, this game is maybe too audacious to be enjoyable.

Viewfinder: 4/5
I am not a frequent puzzle game player, but I, like most every PC gamer, have a soft spot for the kind of reality-warping sci-fi-y puzzle genre originated by Portal and carried forward by the likes of Superliminal and, now, Viewfinder. First: this game is a technical marvel. You are able to, in essence, carry around entire environments, often with a wildly different art style from the rest of the game, and place them seamlessly and instantaneously in the world. I played this at 1440p, >100 FPS with nary a stutter on my midrange system. The ability to place photos and enter them is genuinely incredible on all levels other than technical, too; it feels magical, like stepping into a painting that you yourself made. My only question, one that the demo did not answer, is whether Viewfinder will be able to construct interesting puzzles out of this mechanic. This was something that I think Superliminal often failed to do, too; when the central mechanic of your puzzles is so unique and novel and powerful, how can you limit it in such a way that players actually have to think and put in effort to solve problems? For me, at least, every puzzle in Viewfinder was solved pretty much instantly, with no “aha!” moments, and that does worry me a bit.

In light of our 4th 5th^ish? anniversary here, I believe it is time for another thread on those beloved furry/scaly/feathered friends we all know and are beholden to.

So fellow Tilderinos, share your pets! Photos! Stories! Antics! Attitudes! How they've changed your life! How you've changed theirs!

Inspired by this thread

Suddenly, inventory mostly works. NPCs sit on chairs (!!!) but also move and fight worth a damn. There's less lag. The game hasn't crashed for me 2 days in a row! I've run more missions than I ever have!

It can't last, right? I just jinxed it?

I'm new to tildes and thought I'd start a topic about frugality, as it's something constantly on my mind. (hopefully ~life is the right place, apologies in advance if not!) I try to look at spending a few ways; cost, environmental impact, and time. The time is important, because some frugal tips take up so much time that they end up not being very frugal in the long run. So here are some of the things I've done or started doing in the past few years to try and bring our monthly budget down without giving up much.

Started using Flipp, Ibotta and Flash Food.

These three apps aren't going to save you a ton but enough to make a difference without much effort. Flipp uses your location to gather all the circular ads for stores near you so you can compare prices on items more efficiently. Ibotta is a rebate app that is quick and easy, just claim anything you might buy and once you hit 20 bucks you can redeem for gift cards or cash. The key is to only buy things if it ends up being cheaper than the option you normally buy, or stuff you buy already. Flash Food is a new favorite and isn't everywhere but can be really beneficial for produce particularly. Participating stores list items that are overstock or near expiration for significant discounts. You buy right on the app, and head to the the flash food station in the store to pick them up. Mine is by the self checkouts, there's a big freezer with the logo stationed there. They have huge produce boxes often for only 5 bucks! The assortment of goods will vary by store and time of day so I check every so often if I know I'll be near or going grocery shopping anyways.

*If you don't have flash food, there's another called Too Good To Go, It's not in my area so I can't say how useful it is. However, it works similarly for stores but also includes restaurants.

Switched to a double edged safety razor

with a bit of practice, they are just as easy to use as a cartridge razor. The best part is after the initial cost they are CHEAP and you aren't throwing away plastic cartridges anymore.

Vacuum Sealer and Deep Freezer

I slept on a vacuum sealer for far too long, theses keep frozen goods better for so long without worry of freezer burn. Combine that with Flash Food, and you can really save without much effort.

Switched to a Menstrual Cup

I did this many years ago and never looked back. I will be upfront and say that it isn't going to be for everyone, we are all shaped different! However there are many more options for reusable products these days if a cup just doesn't work (discs, cloth pads, and period panties to name a few.) I have endometriosis and I'm a heavy bleeder so this has easily saved me thousands in disposable costs and worked better for me anyhow.

Gardening

This one is tough because it's easy to go over board with costs, but if you get creative with containers and boxes, buy loads of dirt instead of bags, and start from seed indoors and it can be a pretty cheap way to have fresh produce. Add in the vacuum sealer or canning and you can make it even more worth the time. To go with that, I collect rainwater. This is dependent on your local regs of course so find that out first!

Instead of going out to dinner with friends, host pot lucks instead.

This saves everyone money, you still get to see your buds and have a super nice meal. Throw in some board games and it's sure to be a good evening and only cost you the price of a dish.

Rotate your streaming services and other subscriptions

You can't watch them all at once, so why pay for them all the time? I'm sure they are all about to make it harder to share following in Netflix's footsteps so it's a good time to sit down and look at what you are paying for and what you are actually using. You'd be surprised how easy it is to shave off some costs.

Eliminate single use items where you can

I've already touched on this, but things like paper towels, paper plates, plastic storage bags etc add up if you are using them frequently. There are so many things that fill our landfills just for convenience and you are paying for the privilege! There are so many great reusable items these days, it's become more affordable for upfront costs. Coffee pods, makeup wipes, razors, swiffers, bottled water -- it's never ending and all cost more than their frugal alternatives. For instance, I drink tea and switched to a reusable diffuser and loose leaf as well as using an electric kettle instead of turning on the stove or microwave using much less energy and the used tea is good compost and breaks down faster than the bagged variety.

Use your dishwasher

It seems silly, and obviously not everyone has one, but a relatively newer dishwasher is going to use a lot less water than handwashing and it disinfects better.

Feeling like you need that decor item? Try moving decor around instead

You should be deep cleaning your home anyways, and if things feel stale and you are itching to spend try moving things around instead. You'll often find that you are just bored with the current layout of things. So while cleaning, switch it up!

Keep inventory of your freezer

Deep freezers are easy to lose things in, or forget are in there when you go shopping. I use a notes app shared with my husband with a list of stuff in the freezer so we don't buy things we already have and it's easier to figure out a meal at a glance at the list.

At least try to fix or mend things instead of buying new

It's certainly not feasible with some things anymore, and sometimes it ends up being more expensive but it never hurt to take a second look at something before rebuying. Mending clothing, buying a cheap part etc can save you some money and keep things out of the landfill.

I'm excited to read any ideas you guys have. My next venture is going to be meal prepping, so any tips for that would be extra awesome!

Always curious what others peoples finances look like, what they use to manage it, etc.

Do you use budgeting software? Do you follow a certain "method" to achieve your financial goals? How strict are you with your budget? Do you automate your retirement investments/contributions?

To set the stage, I've always been a fan of non-nonsense reliable phones. My cellular usage started with a Nokia brick, moved on to a few Motorolo flip phones, then entered the Blackberry world as soon as data service become available in my area. With the demise of RIM, I went o a Moto X, made a misstep in to the Samsung world, then to a Pixel, a Pixel 3XL, and now a Pixel 7 Pro.

I only made the jump to the 7 Pro due to the 3XL starting to show it's age. The charging part wouldn't always connect, the battery would barely make it through the day, and the case was starting to fall apart. Of within three days of removing the case I dropped the phone, cracking the glass back....

The 7 Pro is awful to hold, without a case. I was waiting a week for the Spigen Liquid Air case to show up, and during the time I hated using the phone. The camera bulge felt awkward and sharp, the surfaces were slippery and the phone would slide around. The rounded edges of the screen would produce phantom taps, just all around a bad experience. Now that I've added the case though, it feels a whole lot better.

The user experience has been fairly good, thought not without some annoying bugs. I did the migration from my old Pixel to my new one, and while it did a reasonably job, preserving the launcher layout etc, the app installation process was strange. Google Play tried to install all the apps, but was stalled. I had to tap on each app to manually install them, they were just sitting there "Pending...", whether I was on battery or charger, WiFi or mobile. Once everything installed, and I added my accounts, it was fine, and now apps auto-update.

Notifications are acting a bit funny with Reddit is Fun, although that won't be an issue for much longer :-(. If I get notified of Mod Mail and a Message in RiF, tapping the notification message does nothing. This worked fine on the 3XL. I've also had one spontaneous reboot, and one night where the phone was plugged in, but decided not to charge. Lots of people complained about heat issues, which was a problem for me on the 3XL, but only in extreme cases. After sitting out in full sun with the 7 Pro, I'd say it is about the same, possibly a bit better regarding it's overheating. Many people also reported that the phone would feel warm/hot in their hands for the first few days as it "learned" your behavior. Never experienced that. Battery life and (lack of) heat levels have remained the same.

This might be a strange topic, and I'm not sure if others can relate, or if I am 100% strange here. Feel free to remove(?) this if it's not relevant.. This is just something I'd love to learn the experiences of others about and get some ideas, as I imagine everyone is so different.

So, I have a very annoying problem: I don't experience emotions very strongly (e.g. while some folks get moved by films or art, or maybe get worked up with joy or frustration in life, I seem to be far more emotionally neutral, even in very extreme situations.) This can be very useful (emotions can be misleading and lead to poor decisions), but also problematic and limiting (emotions can feel nice, help with creativity, it's a good way to express love to people, etc).

Occasionally, I do feel little bits of emotion, but they tend to go away very quickly. I really wish I felt more, but I don't know how.

I'm curious about the emotional experiences of others. Do you get naturally emotional? Could you cry from watching a movie? For those like myself who have underwhelming emotions - what does make you feel emotional? Do you have any tips or tricks for feeling more emotional, or, hanging on to emotions when you do get them? Has anyone ever been able to "overcome" this issue of not feeling emotions?

Thanks for any insight.

EDIT: If this is not the correct group for such a topic, please do let me know, and I will remove it.

Inspired by an old topic from 2021 on here: https://tild.es/uti
How do you think?
Have you ever thought about how you think?

Do you have a voice in your head? Is it your own voice? Do you think in visuals? How strong are the visuals?

Let's have a conversation about it. We all think differently!

As an exercise, if I asked you to sit down and solve a cross word in silence, how would you think it through?

Edit: thanks for all the very interesting and very insightful replies! I've been reading them today and I really appreciate everyone's input.

Disclosure: I am a skeptical and science-minded person with an interest in paranormal encounters. Does any of this stuff actually exist? I don't know, but I do know that I find it interesting when people share their first hand encounters of things that they can't quite explain.

One thing I loved about Reddit is that it was a treasure trove for paranormal stories, and it is a shame those stories will be lost to the sands of time.

Please feel free to share any stories you might have experienced firsthand, or even share stories from others that you think fits the mark.

Talk rules:

1. Share stories or reply to others.
2. Skepticism is welcome, just don't be a dick.
3. True stories only. This isn't a thread for creative writing or 'campfire' stories.

Conventional wisdom tells us money does not buy happiness, perhaps the opposite. "Studies" (don't quote me on this, just going off headlines/articles I've read) say happiness grows asymptotically and levels off around an income of 70k USD (perhaps more like 90k inflation adjusted?). I would be interested to know how any of this matches your personal experience. Has your happiness consistently grown with income? If so, where did that growth level off, if at all? And to what would you attribute it? better consumer goods, more security, more freedom...? Have any of you experienced a decrease in happiness associated with growing income? I eagerly await your thoughts!

I‘m currently watching a video on Youtube and they just mentioned that famous hard-to-escape prison in the US. They just said its name and I actually know what it’s called, yet I can’t recall it right now. I thought of Azcaban, Alaska, Alcazar (Crying at the Disquotheque was playing along in my head aswell)…. and now as I‘m typing this, it finally came to me that the prison is called Alcatraz. When my brain came up with Alaska I actually had to laugh at what it’s coming up with while desperately trying to find the actual name. Fucking Alaska prison. And when the Harry Potter version comes to mind before the actual one, you know my priorities in life.

Now I want to hear your stories of your brain failing you.

What do you like to do after getting home from work?

I'm a software developer and usually feel mentally exhausted by the time I get home, so I like to unwind. I kick back on the couch, play my latest YouTube subscriptions on the TV, and browse through the day's worth of social media.

It's pretty mindless, but that's exactly what I need before tackling dinner and everything else.

So I'm 20, in the US (California to be exact), and I'm planning to (secretly) move out of my parents' house sooner or later. I have a plan and all that, but I'm a bit anxious since I know nothing about finance. I was never taught about it at school beyond some surface-level vocabulary words (no personal finance. Only like how econ is related to governments and all) and I grew up with a dad who thought he was being selfless by making sure I never had to think about money ever. Mix that in with some good ol' learning problems and I'm clueless about money

Here are some things I learned to give an example of what I mean when I imply I'm absolutely clueless:

• Apparently taxes will sometimes differ from each store I buy from. I have not learned how or why each store has a different percentage (I thought it was by state), just that it sometimes does
• Also, groceries don't have taxes, but they tend to cost more than the pre-packaged stuff
• Speaking of taxes, apparently if you make enough for them you can completely ruin your parents' taxes if you forget to communicate with them. Luckily, I didn't have to learn this the hard way, but I suddenly realized why people who were keeping their jobs a secret from their parents were concerned about making too much
• Credit cards are like a loan that you are forced to pay monthly. I legitimately thought the money was directly transferred from your bank account to the card, but no, it's from this storage in the bank that they have where they take your and everyone else's money and lend it to others
  • This was also why I was so confused as to why the banks collapsed right before the Great Depression
• A lot of things only take credit cards. For example, paying a house via cash is literally impossible, which is why you need to rely on a bank (to my disappointment). In fact, living bankless will only cause more problems than it does save money
• I figured out what a lease was. No one taught me that and I never sought to learn it until I was asking for apartment rooms

I'm lucky in that I'm not paying any sort of bills or insurance, and that I'm still reliant on my parents for that. However, I really want to get away from them, even though I would be tied to my parents' insurance plans and all. (I don't think they will ever kick me out of them, no matter what I do.) I don't want to be thrust into something that's difficult to reverse, so for those of you who are older and know what you're doing, is there any finance advice you recommend? What should I expect money-wise when I move out? What has been a regretful decision you've made and what has worked for you?

Resources are also nice, though I'm wary of books that are only found online and thus, I need to pay to see what's inside.

Maybe it was a small gesture; maybe it was a throwaway comment; maybe it was something you noticed out of the corner of your eye.

Whatever it was, it wasn’t meant to be a thing, but for some reason it stuck with you and became a thing, for good or for bad.

What was it? How did it stick with you? What do you think about it now? Tell us the story.

Rate hikes. "COVID mortgages" up for renewal at much higher rates.

Wondering how badly the current rate environment is affecting people IRL. How much of this do you think (or know) is actual bad news vs. just media doom and gloom?

Someday when I leave for good, I'll very likely say r/politicalcompassmemes. The place has always had a right-wing presence but at some point pretty long ago it just became the dominant POV and the place is now solidly a no-go for minorities and 95+% of leftists unless they were turned into a term of 'endearment' on 4chan first like how 4chan users call themselves autists and whatever. The place is also pretty bad at sourcing the articles it posts about purported leftists doing ridiculous things. I have mostly looked at the place from the POV of "rightwingers saying stuff" for quite some time now, but I haven't gotten around for leaving for good because occasionally there's a moderately critical post of the sub and that I am accustomed to the jargon used more often there that's less commonly used elsewhere.

I'm using "fear" in the broadest sense, including both concrete menaces and subjective apprehensions of any kind.

As always, anything goes, except for highly divisive controversial stuff that might get this locked!

Lately I've been thinking about withdrawing most if not all my money off the bank and investing in a safe box, but I'm not sure how wise of a decision that is. How does everyone here go about that? Do you keep your money in the bank? Do you have a safe box at home? Why one over the other? Do you invest some of it, say in things like cryptocurrencies/stocks? What would you recommend or advice someone to do in regards to this if you could?

No minimum age requirement for the question. Getting older is relative to you, and you can answer for any age or period of life.

What have you noticed about getting older? Could be about yourself; about others; about the world.

Inspired by this post by @kfwyre.

For me, there's many; I don't want to influence responses but I will shout out the monthly mental health threads. Those really got me to (over)share feelings and find some reason. I got through dark times thanks to you all, Tildoes.

How do you spend your money? How do you want to spend it? How do you save?

I'm curious what strategies my fellow Tildenizens use to spend efficiently, build savings for retirement and other purchases, and otherwise maximize their financial lives. How do you use your money to maximize your happiness?

Here's me: I'm young, single, thankfully debt-free, and my annual salary is about $70,000. I'm able to save approximately 35% of that by living relatively frugally:

How does this compare to your life? What tips, tricks, and ideas would you like to share to help each other out? What are your financial dreams? I'm really interested in chatting with everyone about this.

Share what your failures were in 2022. Your regrets; where you came worse off at the end of the year than at the beginning. What will you do better next year?

Counterpart of the successes thread: https://tildes.net/~talk/13w4/your_successes_in_2022

In December, a lot of people make plans and ask about what you want for the next year. But a year is a long time, and maybe it's not a good idea to have a rigid plan for such an extended timeframe.

Rigid plans lead to frustration when, inevitably, circumstances force us to change our perspective to varying degrees. Dreams are put on hold, objectives shift and adapt.

So I am not asking about the entirety of 2023. I'm asking instead: what do you hope to achieve in the first semester of 2023?.

As usual, anything goes. Big or small, personal or professional. Whatever you want to accomplish is good for this thread.

I'm curious to learn what's on your mind. Cheers! ;)

What was your experience like? What do you remember? Any favourite moments, least favourite, most memorable?

Note: School is different in every country! Please respect the international audience: if you talk about a type of school or year, include the age range. Eg “Sophomore (age 15-16)”.

Have you been properly spooked? Did you acquire a fear of a procession of mummies coming to pluck a hair from you each night to teach you about conservationism?

Do you have any annual traditions you follow? Haunted houses, straw mazes, or cider making? Do you or an acquaintance go all-out with decorating?

Do you have horror movie marathons? For fun, or to put on your Mary Shelley hat to look at horror as capturing a zeitghost like Them! for nuclear war, slasher films for rising crime, or Us for class issues? (Leprechaun's bi allergory is an outlier)

Do you have a favorite costume, or future costume idea? A shambling uncanny valley girl, group human obstacle course, ensemble of 3/7 dwarves, or reverse trick-or-treat grandparent?

“Losing” can mean a death, or falling out of touch, or damaging a relationship past a point of repair, or anything else you feel fits.

What have you learned?
How did it change you?

Previous questions in series:

What have you learned from...
...being a parent?
...going through a breakup?
...moving to a new place?
...working in tech?
...going through a pandemic?
…being LGBT?

These threads remain open, so feel free to comment on old ones if you have something to add!