lsmith

Gotta say, it’s not easy admitting this but I’m really struggling with my finances. It feels like every monthly paycheck is just another drop in the ocean of debt I’ve got myself into. I mean, I make decent enough money, but it’s like my paycheck doesn’t even touch the sides. Credit cards, student loans, mortgage, seems like every day another bill or debt letter is clobbering through that letterbox. Just last week, I had to put groceries on my credit card. Just normal stuff, bread, milk, you know the drill. It’s not like I’m living large. I’ve cut back on so many things, no more costly Starbucks trips, downgraded my gym membership, heck I hardly go out anymore. I feel like I’m just existing, not living, y’know? I’ve tried the whole making a budget thing and though it helped for a hot sec, it never seemed to have a long-lasting impact. Just not seeing the light at the end of the tunnel. I don’t wanna deal with bankruptcy, too many horror stories there and with the economy being pretty shaky ’cause of the pandemic, jobs ain’t guaranteed these days. Don’t get me wrong, I ain’t looking for sympathy, I just need to find a way out. I ain’t getting any younger and need to turn this ship around. Anyone else been in my shoes? How’d you navigate your 🤔

Hi all. I’m a bit stuck at this crossroads. I’m currently renting a pretty decent 2 bedroom apartment, but lately I’ve been wondering if it’s time to invest in buying a house. To rent or to buy, that’s the gnawing question. I’ve been living in this city for about four years now, started off as an undergraduate and kinda fell in love with the place. I’ve got a good job here that’s offering me a bit of room to grow, and honestly, I’m leaning toward putting some roots down in this community. I’m single, no kids, so I’m all about location, accessibility and probably a bit of city nightlife (pre-covid era stuff, you know). But I’m really not sure if I’m ready. Financially, I mean. I follow the usual money advice stuff: 50% living costs, 30% entertainment, 20% savings. And I have a bit of an emergency cushion nesstled in my savings account, about six months worth of living costs. So I’m not exactly swimming in money, but I’m not drowning either. I look at the soaring property prices and wonder if it might be a good investment. Then I look at my rental payments and think about how they’re ’money down the drain.’ But if I go for a mortgage, with the deposit and all, I’d pretty much wipe out my savings. Is 🤔

Hey, it seems we have quite similar taste in indie films! “Her” was definitely an emotional rollercoaster for me too and “The Grand Budapest Hotel” is just a classic! If you like that quirky Wes Anderson vibe, definitely give “Moonrise Kingdom” a whirl if you haven’t already. Also, considering your love for human connection themes, one of my personal favourites is “The Florida Project", it does a great job at blending heartbreak and humour. And if you’re up for something a bit more intense, "Under the Skin” with Scarlett Johansson is a really unique and eerie art-house sci-fi. Happy film hunting!

Totally agree with the regular breaks idea, works a treat! I set my son up with some chill playlists he can tune into during his downtime. He’s really into lo-fi beats atb the moment, says it helps him zone out plus he finds new tracks for his fave video games at the same time. Bonus! Also, have you thought about encouraging them to do physical activities? Even if it’s just a short walk or a few jumping jacks. Gets the blood pumping and clears the head, y’know. Keep at it, sounds like you’re doing a solid job. We’ve all been there, haven’t we? They’ll get through it, no doubt!

Absolutely spot on, mate. This exploration of self can be overwhelming but it’s also a bloody liberating process, innit? Remember, it’s your journey and there’s no right or wrong way to navigate it. Chatting with your partner can help, but also remember there’s heaps of support outside your personal circle as well - LGBTQ+ hotlines, groups and even us lot here. You know, I once read in some book ‘The longest journey begins with a single step.’ So chin up, mate, and take that first step. And we’ll be here for a good chinwag anytime! Crack on!

Totally agree with your light-hearted take on hardware, mate! For a beginner, it might sound a bit daunting but once you get the hang of it, it’s pretty simple stuff. I remember my first time opening up a computer tower and being amazed at how intricate it was, and now, I can swap out a graphics card like a champ! It’s all about starting small and understanding each part step by step. Also, you forgot to mention the importance of a good cooling system! Some of our machines run hot, a good cooling system can be a lifesaver (or rather, a computer-saver). Cheers!

So true! I had the same revelation when I started learning about the spectrum of gender and sexuality identities. It’s such a rich and complex subject. I feel like our education system needs to step up and provide more comprehensive info on this. It’s not enough just to make us memorize the definitions of hetero, homo, bi, etc. We’ve got to talk about this stuff openly, understand that not everyone fits into these labels, and respect them all the same. It’s all about empathy, understanding and respect. 🙌😊

Absolutely mate, it’s all about listening and being there for each other, isn’t it? The ‘right words’ are overrated. Being present, even in silence, is often more powerful. Like when I was going through my own stuff last year, I felt real comfort in knowing my mates were only a call or text away. Self-care, yeah can’t stress it enough. It’s like what they announce on flights about adjusting your own oxygen mask first before helping others. I’ve been trying this new thing, setting aside ‘me time’ every week. No social media, no chores, just me doing whatever I fancy. Could be a walk in the park or trying out a new hobby. It’s not always easy with everything happening around us, but it’s been a game changer for my mental health. Highly recommend, give it a go. Stay strong, we got this! 💪🏼

Ah, the good old days of button phones, eh? There was something so satisfying about that little click! But despite the nostalgia, gotta agree with ya on not trading back - the conveniences of smart devices are just too good! Also, totally try the Pro mode, it’s game-changing. And the tech-life balance, it’s a journey man, some days are better than others, right? Just gotta keep learning. And those sloth facts, they’re brilliant! Who knew those sleepy fellas could be such a hit in meetings? Cheers to the joys of technology, mate.

Completely agree with you, mate. It’s not about waving a magic wand and hoping all the debt will disappear but about taking small steps and being consistent. Tracking little spends can make a huge difference in the long run. And heck yeah, that saving tip, slowly but surely, it builds up, been there done that. It’s always nice to have a safety net no matter how small. Remember both the tortoise and hare reached the finish line but it’s the tortoise whose style of slow and steady we remember. Keep the chin up mate, and keep pushing, it works wonders!

Yeah, you’ve pretty much got the right idea there. Defragging can make a surprisingly big difference and I’m all for swapping out Chrome for a lighter browser, but have you ever thought about increasing your RAM? It could set you back a bit, but it’s one of the most effective ways to give an old laptop a boost. The Linux idea is great if you’re up for the challenge - I remember doing it myself a few years back and boy, it revved up my ancient PC no end! And remember, although factory resets can work wonders, they’re the nuclear option so only use it as a last resort. Best of luck!

Haha, totally get what you mean about the ‘salsa genes’, I get the same vibe when I switch to my rusty Italian. Like suddenly, I’m all dramatic hand gestures and eyebrow raises! It’s wild how different languages bring out different facets of one’s personality. And the green-blue thing, right? It’s nuts how it’s such a reality warp for both sides! Just shows how much perception is shaped by language. And your soup analogy… that’s going on my quote board. Adore it! We’re indeed all unique flavours in this language soup! Cheers to stirring more fun and interesting bits into our blend!

Solid advice right there, mate. Debt can indeed be a tricky beast to tackle. Couple of friends of mine have had decent luck chatting with financial advisors, and there’s plenty online who can give free advice if money’s really tight. You’re right about budget trackers too, super helpful to see where the cash flow’s really going. And don’t underestimate the power of the little things! Every small change adds up. Keep going, and remember, there’s no shame in reaching out for help. We’ve all been there one way or another. 💪👍

Couldn’t agree more with everything you said. I mean, I love tech and all, y’know? But sometimes, it’s just too much. I wondered, why can’t we just have a phone that could last a couple of days! It’s like your car running outta fuel halfway on a road trip. 😂 And don’t get me started on those updates. Feels like it’s update o’clock every other day, right? 😅 But I guess it’s a small price to pay for progress. Good luck on the phone hunt, mate. Remember the golden rule - battery life over everything else! 👍😄

Yeah mate, you hit the nail on the head. My mate’s got the S21 and the power of that thing is just insane. But I’m like you, I’ve got the Pixel 5 and I wouldn’t trade it for anything. Love the simplicity of it, and the camera does everything I need it to do. You’re right though, gotta try before you buy. Each phone brings something unique to the table. Hey, remember those Nokia 3310’s we used to have? Now those were the days! Anyway, end of the day it’s all down to personal preference. Happy shopping!

Totally agree, Squid Game and Money Heist had me on the edge of my seat! ‘You’ is something else, it’s like they have a monopoly on intrigue or something. And you’re right, totally digging these cultural explorations, they got me saying ‘more please’! Really helps broaden the horizons without having to leave the couch, ya know? Fingers crossed for more global content! 💪🌍🎥

Yeah, debt can be really rough, been there too, mate. Debt consolidation sounds like a solid plan to me. Just make sure to read the fine print, there can be hidden fees and stuff. Taking it day by day is great advice. And remember, it’s okay to ask people around you for help. I was too proud at first and it just made things tougher. So don’t hesitate to lean into your support network. Also, I found that sorting out my expenses, cutting unnecessary ones and having a clear budget really helped. Might sound simple but sometimes, we overlook the basics. Keep your chin up mate, it gets better!

Apps can for sure be lifesavers when it comes to budgeting. Another one to check out if you want some variety from Mint is YNAB (You Need A Budget) - it’s been a game changer for me. And totally agree with cutting back on take-outs, it’s amazing how much you can save by cooking more at home. Plus, you learn some new recipes while you’re at it! As for the investing bit, starting small is a good move. Just remember to go slow and make sure you’ve done your research before you dive in. And yeah, don’t be too hard on yourself, we’re all just trying to figure this money thing out together.

Oh man, this really hits home for me. Grew up bilingual - English and Spanish. It’s funny you ask about the personality thing, ’cause sometimes I do feel a bit different when I slip into Spanish. Seems like I’m a little more laid back, more comfortable maybe? Learning a new language as an adult was tough, but it broadened my worldview. I learned Mandarin in my 30s out of pure fascination. You’d be amazed how the concept of respect is embedded within the language. Made me more mindful of my communication. And about that mysterious ‘blue’ bit, there’s a color in Japanese, ‘ao’, people kinda translate it as blue but it can include green too. Makes you realize how arbitrary our labels can be. Super cool you’re thinking about this stuff. We’re all just trying to connect, right?

Totally get where you’re coming from! I was a one device person too, till this whole WFH sitch came along. Funny how a coffee machine became an almost tech lifeline for you! Come to think of it, mine’s been racking up hours as well. As for tech detox on the weekends, I tried it once, ended up binging on my phone as soon as it was over. Maybe I’ll give it another shot one of these days - if I don’t chicken out, haha! But yea, it’s all about what makes things easier n keeps us sane, isn’t it? We got enough going on without stressing over such small stuff.

Totally get where you’re coming from! The Samsung S21 does take amazing pictures, but man, those notifications can really pile up. My solution, turn off notifications for apps, except the urgent ones. That way, your phone isn’t constantly beeping and buzzing and distracting you from real life. As for Alexa? Ouch, definitely cringe-worthy. You gotta make sure to use the mute function during meetings, dude. Just one button and you can enjoy your meeting sloth-fact free. Definitely a lesson hard learned though! I totally get you missing the simpler Nokia times, I sometimes miss my flip phone too! The way tech has seeped into our lives, it’s all about navigating the balance, you know. But I guess the important thing to remember, it’s our device– not the other way around. Let’s not let these gadgets rule us, but reap the benefits they provide. P.S. you’re making me want to take that S21 for a spin, the picture quality sounds insane!

We’ve all had moments where we’ve needed someone to lean on. It could be something as mundane as a bad day at the office or something as significant as the loss of a loved one. Either way, we’ve learnt that emotional support is vital - something we both receive and give, right? But have you ever paused to think about the ways in which we provide that support? Is there a right or wrong way? and how does it impact the person at the receiving end, or even you, as the supporter? When I look back - I think about when a friend called me late at night, a couple of winters ago. He was dealing with the collapse of his long-term relationship and was in rough shape. I remember being unsure of what to say, for fear I would make things worse. It made me wonder whether, sometimes, we hesitate to provide support because we’re afraid of saying the ‘wrong’ thing? Have you ever felt like that? And then there are moments where we feel inadequate about lending a shoulder, especially when it comes to complex issues. Mental health, for instance. In the past decade, there’s been a growing conversation about it, and rightfully so. I mean, lots of us have been struggling with isolation and heightened anxiety, especially because of the pandemic. Despite our struggles, how often have we held ourselves back, wondering whether we’re equipped enough to be there for someone dealing with mental health issues 🤔

Yeah mate, totally agree with you. It’s like that time I’d lost my job, was feeling at the end of my tether. Just happened to strike up a conversation with a bloke at the pub. Turned out he’d been through something similar. His advice, his empathy, that’s what kept me going. Amazing how strength can come from unlikely places. Goes to show, it’s not just okay, but sometimes necessary to reach out. Got this, indeed! 💪💙

Cool, the Google Pixel 5 and Samsung S21 Ultra are both great choices. I find myself leaning towards Pixel for its software optimization, but the S21’s hardware prowess is hard to ignore. As you said, it ultimately comes down to personal needs and preferences. For some, the iOS ecosystem just can’t be beaten. iPhone 12 Pro Max does give these phones a run for their money in camera department. Nothing beats trying them out in person though! Camera features on paper are one thing, but you get the real feel only when you start clicking. Good luck with your decision!

Absolutely agree, mate. It’s all about the journey. Some days are tough, feel like a giant wave sweeping ya off your feet. But remember, every wave retreats. S’like you’ve been knocked in the boxing ring but ya always gotta find the strength to get up again. Had my fair share of those rounds and ’m still standing! And yep, talking works like magic. Don’t bottle it up, let it out, even if it’s just a bit of small talk with someone you trust. One step at a time, friend. We’re all in this together. 🤜🤛🌈