I watched the video "Dirt-Cheap Solar Generator Setup - What Can It Power?" by Alex Beale yesterday. In the video, the presenter purchases a cheap solar panel and power bank for a total of $250 and tests household devices to see what kind of wattage it can take.

Turns out the cheap device can power most household objects. I'm curious if it's possible to try a similar setup to meaningfully cover my electricity usage on a day-to-day basis. Unlike the creator of this video, I don't have a yard. I'm exploring whether a solar solution could work with my constraints.

I wanted to share this idea with Tildes and hear any ideas/feedback/experiences from people who have tried something similar.

My goal

• Investigate whether it's feasible to save money with this setup
• If so, find a setup that I can use to power some or all of my household devices off-grid
• Pay less in electricity costs
• Be able to rely on my power bank when the building's power goes out

My current situation

• I live in an apartment in an urban area in the US northeast (southeastern Pennsylvania).
• I do NOT have a balcony (sadly).
• I have two south-facing windows and four west-facing windows (two of which get a LOT of light, two of which get a decent amount but not as much). However, my south-facing windows don't get direct sunlight most of the day since there is a building in the way (just a bit in the late afternoon).
• The dimensions of the windowsills are about 16 inches in depth and about 55 inches in width. That's enough for a small or medium-sized solar panel, but not most panels designed for outdoor use.
• I can open the windows all the way and it would be physically possible, in theory, to hang something outside rather than keeping it on the windowsill (we'll get into this...)
• I pay for all my electricity. The heat/air is central and inaccessible, as are a couple of the overhead lights (there are only a couple), but everything else could theoretically be replaced with energy from a power bank, I think.
• I already have a power purchase agreement with a renewable energy supplier. All my energy is "green" in the sense that I'm making it slightly more economically feasible to produce green energy.
• In a less expensive month, the bill might come to around $75. In an expensive month, it might come to around $350. If I heated the unit as much as I would like, it would be higher.
  • I'm pretty sure most of my electricity use is the heat/AC.
  • I'm pretty sure most of the remainder is the washer and dryer dishwasher, followed by the washer and dryer.
  • I spend some amount heating my water otherwise (shower, sinks), but I can't address that with a solar panel.
  • I wouldn't mind saving money on the rest if that's all that's feasible.

My power needs (I think)

• I don't know much power my oven uses. It's electric, which the internet says averages around 2500 W.
• My dishwasher runs at 120 V and 18.7 A. That is... uh... 2244 W. Also a lot.
• My dryer says 120 V on the machine, and if I look up the model number, it seems to be at 15 amps. So that's 1800 watts.
• My washing machine, uses....... IDK how many watts. No information on this thing exists. But it uses a 120 V outlet. The internet says an average washing machine could use up to 1400 W (sounds high, but okay).
• My computer has a 520 W power supply, but I doubt it ever uses that much. It's old and mostly runs Solitaire. Maybe one day I will get a fancy new machine that does like 1000 W.
• My fridge uses 115 V at 4.5 A. Let's pretend that's 120 V and say 540 W.
• I can't tell how many watts my TV uses, but the internet says it could be up to 200 W.

I would want a bit of breathing room with the rated wattage so that the power bank doesn't explode.

No way I can run all these devices simultaneously off the power bank, but perhaps I could time them. Even partial coverage could be adequate if it makes financial sense.

Possible spatial configurations

I see a few possibilities here:

1. Stick a bunch of solar panels in the windowsills, propped up at a suitable angle.
2. Stick the panel directly in the window like an air conditioner. In this case I would want to use a two-sided panel, since there would be some ambient light coming from the inside. This would inevitably reduce my home's energy efficiency, which I would have to account for.
3. Weld some sort of counterweight to a mounting system that I can use outside the window to perch the panel at an ideal angle. This would also reduce my home's energy efficiency, but maybe by less since the gap could be minimized. It is also probably illegal. And dangerous.
4. Just fill my living room with solar panels. I will need to have a conversation about that. But it could be done.

I think #1 is the only one that is actually reasonable. #2 would cost me too much in heating bills to make any sense. I think #3 would get me evicted or sued by the city. And #4 is unreasonable considering that I like to use my house to live in.

My budget

I would maybe spend $500-1000 on this if the payback period was a few years. Not more than 5 because panels by then will be a lot more efficient.

I guess I could spend more than that if it makes sense. I have good credit and a high credit limit. I don't make that much money but I could save for a bit or carry a balance for a bit. I think I would draw a hard line around $3000.

The power doesn't go out here too often, so that isn't the main selling point, more of a nice-to-have.

My research

I'm just looking on Amazon. I know I could maybe get something a little cheaper elsewhere. I'm searching for "power bank with solar panel".

• 4000+ W range: OUPES Mega 5 for $3300+ with panels (I think?). That's a lot of money for something that might not even work. And I don't believe it would be $3300, most other models I'm seeing are closer to $5000.
• 2200 W range: Jackery Explorer 2000 for $2500 with the 2 panels. Maybe this could cover my energy-intensive appliances, one at a time. Still expensive. The solar panels will... maybe fit in the window with about 1/2 inch to spare? I could angle them slightly if needed?
• 1800 W range: (maybe) Anker SOLIX C1000 for $800 with 1 panel. It also says 2400 W so idk what it is really. Can't determine the width of the solar panel.
• 1000 W range: EF ECOFlow River 2 for $700 with 1 panel. I am also not sure how big the panel is.
• 600 W range: SinKeu Portable Power Station for $230 with 1 panel.
• 300 W range: Marbero Solar Generator for $230 with 1 panel.

I'm discovering that these companies never specify the dimensions of the solar panels because they assume no one would ever use them indoors. Probably for good reason. If they don't fit horizontally, I guess I could stand them up lengthwise.

I'm sure it would be possible to find a cheaper solar panel separate from the power bank. But as a ballpark, those are my initial numbers.

Math

Imagine I spend $2500 on the 2200 W Jackery model, with 2 panels. I could put them in the two bright west-facing windows. Let's just pretend they can get their maximum output and that charging time isn't an issue.

Let's say I use this every time I run my oven, dryer, washer, or dishwasher (not at the same time), and otherwise I connect it to my fridge and most other electronics. (I know I said my oven could be 2500 W, but I usually just use one burner, and I bet that's more like 1500 W.) Let's pretend the hassle of running all those cables has been solved somehow.

I really don't know exactly what my electricity breakdown is. If I have the heat/AC mostly off and am not in the unit a whole lot (e.g. traveling for some of the month), that's when I end up with a $75/mo bill. But if I'm out of the unit, that means I'm also not using my dryer/washer and other devices as much. I guess the fridge was still on. The $350 side of things is because it's hot and I'm running the AC more, and maybe slightly higher dryer usage for some laundry-related reason. So maybe I'll say the minimum I'm spending on non-heat/AC electricity per month is $50-100, and at most maybe something like $150.

So in this super optimistic scenario, the portion of my monthly electricity bill I suspect I'd be able to theoretically save would be $50-150. Let's just say $100. That means it would take 25 months to pay back if all goes well. Honestly that's not so bad.

If I instead bought the 1000 W ECOFlow setup for $700, I could cover all my non-intensive electrical uses. The main beneficiary would be the refrigerator, the computer, and maybe the television. I think the savings there would be like $25-50/mo at most, being pretty generous. If I say $35, that would be about a 20-month payoff. That's also pretty good, but if it'll take about the same amount of time to pay for itself, I'd rather get the higher-wattage one.

Numerous caveats:

• It's not always sunny in Philadelphia.
• The panels will not be at 100% efficiency because the window is cloaked in shadow half the day, and there is no way I get the angle perfect, and maybe the glass affects how much energy they can absorb or something (would it help? hurt?). This isn't inherently an issue, except...
• ...that the charging time for the power station might be long. Some of the reviews say 6 hours in maximum sunlight, so for my use-case there's no way it would be faster than 12 hours for a full charge, and probably more. I use my appliances kind of a lot. The fridge is always running, and either the washer, dryer, oven, or dishwasher are running a pretty good chunk of the time. I think that I could get by with this... but I probably wouldn't be able to use it as much as I'd like (there are often moments where more than one is running simultaneously), so...
• ...the payoff time wouldn't actually be 25 months. I suspect there are some factors I'm not thinking about that would reduce the realistic amount of energy I'd save here. Let's say it is half as effective in my setup as a normal person's, because the sun is half as visible or something, and the charging time is too slow to use often, or whatever. At a 50-month payoff (4 years), I would start to get skeptical. But not inherently opposed.
• I use my windowsill for other things that like sunlight, like plants. I would have to move the plants that really love the sun somewhere slightly dimmer. Is it worth it???????
• I also like to look out my window, and if I had a huge solar panel there (especially if I had to stand it up vertically for space reasons), that would be a bummer perhaps.
• Constantly charging and discharging this thing probably reduces its effective wattage output fast. I.D.K. by how much. But there might be a point where I can't use it for my high-wattage devices, which would largely defeat the purpose of buying an expensive model. Not clear to me what the timeline for that would be.
• I still can't figure out if the panels would actually fit in my windowsill.
• Since it wouldn't be able to run more than one energy-intensive device simultaneously, I'd have to be careful not to keep it plugged in to too much stuff at once. It would overall be a bit of a hassle to plug in the panels and the charger and everything. Maybe the panels could stay plugged in, but even so.
• Running extension cords all over the house and putting a giant solar panel in even just one or two of the windows would result in a catastrophic domestic state of affairs. I can just imagine the eye-popping that would happen if I set that up unilaterally.

Takeaway

There is almost definitely something I am not considering. My math is so napkin-based, so imaginary and so optimistic.

But even if the practical efficiency isn't great, I feel like this could maybe possibly actually work, and could save me a bit of money. I would just have to spend it all up front. I mean I don't have $2500 on hand. But I could scrounge up part of it and put the rest on credit. And it would make for living room conversation with guests?

Realistically this seems like an amusing but too-annoying to actually do sort of project. If you know anyone who's done something silly like this and had it work, let me know! I'd be curious what their experience was.

So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

It's 2024 if I remember correctly and budgeting is a fairly common practice. Companies are obsessed with data. Yet when I got to the store and buy a videogame, dap drywall joint compount, and 3 avocados the transactions is just the store and the amount. It'd be nice if I could track what I've been buying, categories them into entertainment, home improvement, and groceries respectively.

I'm guessing this information actually is tracked but is only used for marketing purposes. But I'm curious, does anyone have more information on why transactions can't at least optionally support extra metadata about what was actually bought?

I was wondering how people are currently dealing with inflation in everyday life. Since quite a while now, I found that I have fallen into a habit of excessively looking for discount deals for pretty much everything I buy. I feel pressured every day because prices have ballooned so much.

At first, I only refrained from buying "unnecessary" goods like unhealthy snacks, and instead just go for basic staples and vitamin-rich vegetables. Then I started to cut down on meat consumption due to the high prices, and forced myself to only buy meat that is put on discount at the end of the day as it's about to spoil. And now, I even do the same thing for regular staples like rice or potatoes. It feels imprisoning, distracting and depressing.

So I'm wondering, how are you dealing with inflation? Are you affected in a different way? Or not at all? Any advice on how I could realistically get out of this seemingly endlessly depressing spiral?

In case anyone's interested why I decided to post today: I saw McDonald's popping up in the news these days, as apparently customers don't go there anyone due to their price increases far beyond inflation since 2019. Then, I passed a McDonald's billboard today thst advertised 2 Big Mac Menus + a happy meal for a whopping 30 EUR. The regular prices used to be a fraction of that... Now it's apparently a good deal...

So we make about $100,000 combined, I make just shy of 70K and she makes about 30K.

Both states have programs for first time homebuyers, but our incomes together prohibit us from qualifying, whereas separately we both qualify.

Would it be considered fraud if I were to apply for one as myself, get the house in my name, but we both pay on it? I can't find anything on either page about it, but obviously we are not legally married.

Ugh. Scammers are everywhere, and I know I'm getting them in my inbox and junkmail, but I need a way to know who I am wasting my time on and who is a real client.

My current client doesn't seem to speak in the usual way (for example saying "you have replied to me perfectly" in response to me asking "Please let me know if this works for you or if you wish to negotiate"). They want to pay me via a cashier's check. I just now told them I only accept PayPal payments (that is what I've always used). Waiting for a response now.

So my question is, which of these would be the most secure method of payment to use over the internet, with strangers, where contact is via email?

PayPal
Wire transfer
Cashier's check
Other (write in comments)

I posted previously about looking for a house for my disabled partner and myself and after several stressful months we're closing on April 30th!

So, now what? I'm working on home insurance quotes, I have the money arranged for closing. We're in the "these issues need addressed" phase of the contract process (there are no smoke detectors in this house wtf) and the home inspection raised no dealbreakers. No radon or termites.

So what don't I know about? What new homeowner things do I need to be thinking about now? We plan to move in the latter half of May. Accessibility suggestions are also useful, we're going to have to add a small ramp inside (one step), move a cabinet in the kitchen and replace carpet in the master bedroom.

Thanks for all the advice last time, please give me more of it?

I've tried before to get input on this, but online it doesn't go anywhere and IRL people don't seem to understand. Thought about putting it in the /~finance area, but I don't know that it's really a finance issue, plus things there seem to be wider-scale financial in focus. And there's no /~advice page, so here it is:

I feel like I should be making more money lol. Now immediately, that sounds greedy or either capitalistic/anticapitalistic, depending—I know it does, but hear me out. I have a great job that pays ok but not great, and tons of free time; in my mind, and if I'm being honest in my field, chasing a 5% raise is low ROI and low likelihood of even happening. There is little room for vertical movement, but enough security that it seems crazy to make any changes. Post-college, I have had a pretty varied career background, I am very good at editing, research, training, tech, etc. but I am not an "idea person" and I don't have a lot of marketability or self-promotion ability, it seems like (also no coding abilities, which is always a suggestion; I've tried, believe me, but my brain won't do it). I'd rather edit your book than write one of my own, not because I'm afraid of rejection or can't commit to doing something/run out of steam, but because the steam just isn't there.

I don't feel the need to change careers, but I am also feeling super unfulfilled. I've worked on doing things to try and fill that gap, hobbies/other pursuits/etc, but I am haunted by the fact that I am using such a small part of my bandwidth, when it seems like I could be outputting at 2x or 3x and earning similarly. I've applied for contract work, freelance, all that stuff, but it is spotty pay at best—what I want, short of a medieval patron/wealthy benefactor, is a second job I could do on top of this one. Which leads me to side-hustle-type rabbit holes on starting an Etsy shop/a YouTube channel/a Patreon page. But when it comes down to it, I don't actually feel any passion about doing any of those things, and I can't get a narrow enough niche figured out to even come up with a potential audience. I've avoided specializing because I wanted to do all kinds of things, and now I've done that, and I feel like maybe it was a mistake. I just want to have the resources available to do what I want. Bills are paid, life is good, but I feel like I am spinning my wheels: even writing this out is like a roller coaster of feeling shame that I'm not satisfied or that I'm ungrateful, then being frustrated I can't make it happen the way I want, on my own.

Because see, I didn't say I deserve more money; I want the opportunity to earn more money. There are a ton of things I would be perfectly happy doing for a living, or for a second job. And more money might not even help—if I was a trust fund baby I be in a similar situation. But what the fuck should I be doing then? I guess what I really want is for someone to say "Hey, I need this job done, I'll give you $XXk a year to do it" like it's 1980, and then I know I am serving a purpose? And I wouldn't feel guilty about time left over, because the job is Done. But part of me is afraid that, even if that somehow magically materialized, I would feel the exact same way I do now.

so what do tilderinos?

To start: I was taught in the 90s when I first entered the "internet" that "everything online is public. The End."
I still adhere to that. I am perhaps a bit overly cautious and whatnot, as I will forego convenience to have the feeling of privacy (though in some cases I believe it's just a smokescreen).

That being said, the main premise to my question is this: I have three cards with which I pay for things. I have a debit card which I use for most purchases, a credit card I use for large purchases I can't immediately cover with my bank account, and a credit card for two specific payments. Every December my company gifts all employees a $100 Visa gift card. I tend to splurge on things I'd rather not have show up in my bank account or credit card, because I feel my purchase habits are tracked (similar as to when I put in a local brewery into Waze... and yeah, I use Waze.)

And now to my actual question: is there a credit company, or a method of credit/debit card I can utilize that will not track/share/etc my personal or purchase info? I had never thought of this idea, aside from the gift cards which usually come with some form of caveat (you lose money on fees for a prepaid card, or you can lose your balance if not spent in a certain time frame, etc) until just now I guess. I found privacy.com which looks kind of legit, but ... I'm always skeptical to start.

All that being said, if you could offer any advice or thoughts on the matter, I would greatly appreciate it. Thanks!

(Edit: the original reason I ask this is because I was thinking that I use Discord a lot and would like to throw a few bucks their way and customize my profile or something "fun" like that, but I do not want them to have my info.)

Maybe everyone knows this, but I suspect not. For years, I've been using the points I earn on a Chase Freedom card directly on Amazon. I just found out today that I'm only getting 80% of the value. Redeeming 26,345 points at Amazon yields $210.76. Redeeming 26,345 points on the Chase website (for an Amazon gift card) yields $263.45.

The Chase Amazon Prime Visa does give 100% of value directly on Amazon's site.

I live in the EU. I recently applied for a credit card, and the banker asked me (about my job): "Is it a management role?"

I realized that it is a question I have been asked several times in the past by banks. I tried a cursory google & Reddit search, but I haven't found anyone being curious about this.

I'll try here then. Does anyone know why bankers ask this question? How does it matter? Are "individual contributors" seen as worse/riskier customers than managers?

I have my own informal, anecdotal opinion, but I'm hoping to hear some more informed answer.

I was thinking about this today as I heard about Instacart going public. I've never used Instacart because I refuse to pay the cost for the convenience of grocery delivery. I've paid for grocery delivery in other ways but instacart feels too much.
I've stopped paying for doordash, which I had never been big on, but the fees got too high

I have and will however pay for a cleaner to come clean my apartment every 3 weeks. I will also splurge on a car wash, as driving through an automatic wash with a fountain soda is a weird happy place for me.

What are your "absolutely will" spends and what are your "no way in hell" spends?

I used to be happy paying $45/year for YNAB (grandfathered plan). But then "lol no, $90/year" happened and I started looking into alternatives. I tried out a bunch but none felt the same. Eventually I found Actual (open-source). I've been using it for ~6 months now and it offers everything I want/need. I self-host the container on my PC (no sync/etc.).

Are you planning on working until you're 60+?

Or maybe selling it all and living in a rural area?

Buying stocks or ETFs?

Or something else?

So what's your retirement plan? At what age do you want to retire and how are you working towards this goal?

Now, rationally, I suspect the answer is "Of course!". But I'm looking for general advice, if my fellow Tildesians would be so kind.

This question has arisen while investigating opening a Monzo account. Apparently, you can lock away some money for 12 months and get 5.3% AER interest on it - meaning for every, say, £1,000 I put in, I get £50 back, right?

My question: is that really worth it, in the grand scheme of things? Even if I put in £10,000, I'd be locking myself out of that much money for a grand total of £500. I understand that's a lot to some people (even me), but it hardly seems worth it.

Perhaps there's something I'm missing. Perhaps some bad maths on my part or some other type of interest that I don't know about. All advice is welcome and appreciated!

I'm in a fortunate position of being in a reasonably well compensated but very specialised role in the pharma industry, and after some recent layoffs have been casually surveying what other opportunities might be out there.

However, I'm really struggling to get a sense of my market value, as little to none of the salary info on e.g. Glassdoor or published surveys from recruitment bodies captures anything similar to my position.

My compensation is way off published ranges I can find, so I don't know if I have "golden handcuffs" or if the data I am looking to is garbage.

In effect, my position developed organically over a few years, and has bits of middle management as well as governance, project management and individual contributor work. I don't think there is even anyone within my organisation with a similar role, I have several responsibilities which normally you wouldn't concentrate under one individual if you were designing from the ground up.

I'd be really interested if anyone has been in a similar position, or any recommendations to on how to benchmark yourself when it isn't obvious what you should be benchmarking against.

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'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?

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.

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?