fadedmaster

Congrats on making it that far! I'm sure you'll have a fully funded emergency fund before you know it. I hope no emergencies come up while you build it, but if they do, don't let that discourage you!

I think you give a fair explanation of Dave in this comment. I definitely think much of his "baby steps" needs to be updated. Just for example, $1000 in savings is just going to cause someone to get further into debt when an emergency comes up.

I like the 20/30/50 rule for budgeting (20% saving, 30% fun and 50% needs). If you have bad debt (consumer debt, bad auto loan, etc), then minimize your fun spending the most you can in order to wipe out that bad debt as quickly as possible. But of course also save up at least on month of needs or your largest deductible (whichever is greater). Then once the bad debt is gone save up a 3-6 month emergency fund (according to your personal risk/comfort level).

I also think it's important to not be too hard on yourself. Some months you'll be over budget and some months you will be under. That's why I think it's important, like you said, to leave some room in the budget and not get caught up in zero dollar budgeting.

I agree with all of those. Some of my favorite clothing I've gotten thrifting. I've been able to find never worn brand name clothing for way cheaper. Heck. I recently got a pair of Eddie Bauer shorts, never used (still had the baggie with spare buttons attached to the waistband), for $5.

Video games. Unless it's a game I play with friends I typically wait for it to drop in price significantly.

Ditto. They also smelled worse too. We found that the Target brand diapers when Target has their gift card deals was the time to stock up on their whipes and diapers.

Yeah. The title actually made me think they had rolled out the ability for Google to remove an app from my phone when it's been removed from the Play Store.

Oh jeez. I completely forgot about Frontpage. That just brought some memories back.

They give you a discount per month. So for example, a $1000 phone is on sale for $600, but they don't give you $400 off up front. Its a $11.11 per month discount for the next 36 months. You pay $16.67 per month until its paid off. If you pay it up front you pay $1000. If you leave early or pay it off early you lose the $11/month discount on the payment for the phone

Its intended to lure people in for an advertised cheap or free phone, but then you're stuck with them paying for the device.

Because people finance their phones with AT&T, usually without realizing it. "Free" phones and discounted phones are not usually free or discounted. You're forced to stay with them to get the discount off each month. I hate it because I'd rather just pay for my phone outright and be done, but then you actually pay more.

I prefer to keep my notes as handwritten (I draw a lot of diagrams and graphs in my notes). But it does indeed convert my handwriting to type if I want it to. And it does a great job of it especially with how messy my handwriting can be.

The feel of it is very comfortable too (feels like writing on paper). I used to use a Surface Book in tablet mode for notes, but wanted to get away from Microsoft. The screen of the Note 3C isn't smooth, it's textured like paper

Their note app takes some getting used to, but it works pretty well (templates are a little tricky, but they just made an update to improve it).

The only thing I really miss from OneNote on the Surface was printing PDFs into OneNote. That said, you can annotate directly onto PDFs, it just makes things a little less organized unless you use the PDF as a template.

Yeah. The color definitely isn't a replacement for an actual comic or graphic novel. It's good enough to give you an idea of what it should look like. And I agree. If you have no need for the color, then black and white is going to be much better.

I have the Boox Onyx Note 3c. Its a color e-ink and its okay for comics. But I mainly use it for note taking. The colors are helpful for more detailed notes. The eink display makes it easier in my eyes especially for long days of note taking.