Get a solid $20 knife and look up some knife techniques. Grab a bowl or something ready for the scraps. I can dice up an onion in like 30 seconds, you could probably do it in less than a minute if you have a sharp knife and practice a little.
If youre really pressed for time you can prep ingredients beforehand, either earlier in the day, or even a previous day, and then cook them later.
Some recipes do take a lot of work and prep but lots of them don't. Some take awhile but the active time isn't much, so it's not like you just have to stand there.
Its easier said than done, but you don't have to wait until you're hungry to start cooking.
I like baseball, it's got lots of stats, its always on, and you don't have to be glued to the radio/tv to follow a game. Playoffs give you the drama. Regular season is more of a cruise.
If you like the radio the sf giants have an excellent radio(TV too) broadcast team. They have a good Spanish broadcasting duo too if that's your thing.
I'm sure there's other good ones, I couldn't tell you, following one team casually is enough of a time commitment.
If youre in America it's probably a good idea just to follow the local team. If there isn't one check to see if there's a AA or AAA affiliate nearby.
Was out of town last weekend so didn't meal prep. Exercised every sat-monday but didn't get back til late Monday night so it threw off the lifting routine.
Have two days done though, and will finish it tomorrow and sat. Could be worse!
Down payment? I don't have the scoop on interest rate trends, so maybe you'd want to wait. There's a bi(tri?)section of what are the interest rate trends, what are the housing price trends in your area, how much of a down payment can you afford, how much of a mortgage payment you can afford.
The higher your down-payment, the less the interest rates matter. Not like 15% or 20%, but like 40%+ of the sale price. They still matter ofc, but there's always the chance of refinancing, which is easier when you have a lower debt/equity ratio.
If there's someone in your life you trust, you could also consider buying a house together. Some states have different laws on that.
Otherwise a HYSA or CD like the others have said. You're already saving 20% of your take home, that's a pretty good chunk.
To go a different direction, maybe take the opportunity to spend some of the money on yourself.
Is there a skill you've wanted to learn? Can you go get lessons? Is there an activity you wanted to try but didn't have the budget? Like martial arts, dance classes, rock climbing.
Maybe music lessons or whatever other art?
You can also take a look over on your budget. Is there anything there that would be cheaper if you put up more money upfront?
Are there any monthly payments you won't give up that you can save by paying annually instead? I know I get a better rate on my car insurance if I pay twice a year vs monthly. Maybe go get your car serviced if you haven't in awhile.
Are you renting the router/modem?
If you're still reading by now, I thought it over again. You should figure out how to buy a house or a condo. Even if that means not putting anything to your IRA. Look into fhas.
Nothing will make you work til you die than paying rent your entire life. Feel free to DM if you have any specific Qs or want help with math/numbers.
Big batch of tofu scramble/beans/plant protein, which various chopped veggies and greens mixed in. Then I usually make some sort of potatoes/rice throught the week to add some carbs/body and switch up the vibes a bit.
It can taste pretty different throughout the week depending on which hot sauce/salsa I use any particular day.
I'm trying to steam more veggies as well to munch on the side.
3.5 weeks into the lifting program. Probably getting ahead of myself but so far it's my favorite one I've ever done. Feels like something I can do for the long haul.
Great info, really boring writing, super unappealing/uninspiring references, especially for people like us lol.
"Kevin is an entrepreneur from Boulder. He's been biting his nails since he was a baby in diapers. His wife booked him a manicure appointment. He still a huge baby, but he feels so confident about his nails he doesn't bite them anymore!"
I actually never finished the second half, any good info in there?
Maybe you can enlighten me on more ethical ways to invest my money because at this point I think not putting money into a 401k is a terrible financial decision.
Tax deferred compounding interest is too good of a deal for the average person to pass up. Over 30 years you'll be looking at anywhere from 100-150% return on investment.
$50 a paycheck for 30 years with 5% avg return turns your $39k total contributions into $100k in retirement savings. $100 turns $78k in total contributions into $200k savings.
For many people who find saving difficult, me included, being able to set it and forget it, plus the understanding it needs to be for retirement to get the full return, has allowed me to save money I would have spent/wasted otherwise.
Due to the compounding factor, the sooner a person starts the better the return, so to discourage young people to not put money into a 401k is IMO actively harmful.
IMO It's like telling someone they shouldn't have health insurance. Yeah it's bullshit that society forces us to participate in a fucked up system but not having it puts future you at a terrible risk.
For me blues and jazz are genres that I much prefer to hear live than recorded. I'll put them on if I'm in a particular mood, but they're not in my regular rotation.
If I want to see live music the first thing I'll do is scope a few venues to see if I happen to recognize any artists. Second thing I'll do is look for any blues or jazz shows.
Lol this always cracked me up. Ask your partner I guess?
Fwiw I picked up some vanilla scented beard oil for when I eventually date again. I don't want to smell like leather. But if sandlewood gets my next partner going lol, I'll pick some up.
Meal prepped Sunday. Going to keep that up, best way for me to eat good throughout the week.
Started week 2 of my new lifting routine today. This one really vibes with my current goals/outlook. I've been about start slow, progress slow, for years now, but at some point I'd always get excited and skip weight progressions and that'd inevitably lead to stalling.
This time I will stick to the plan. I will not add 10lbs instead of 5lbs, because I'll get to an arbitrary weight goal sooner. If I want a harder challenge there's built in ways to go harder without locking in a new baseline.
·11 months ago
·11 months ago
I just use 9 key/excel. Guess it's not as portable as a physical calculator.