phcitywarrior

Superstar
Supporter
Joined
Nov 19, 2016
Messages
14,177
Reputation
4,837
Daps
34,117
Reppin
Naija / DMV
Automating my finances has been a game changer but I’m trying to sync everything to my bi-weekly pay schedule. I may need to cancel some bills and then wait until my pay day to get them to sync.

I’m also looking to move most if not all of my discretionary spend onto my CC moving forward. Just put a cap on how much I spend on it a month and have my bi-weekly paychecks go into paying off what I spend so it nets out at zero. I don’t even care for the statement to post.

But my auto savings and investments are :ohlawd: I don’t even think about it
 

winb83

52 Years Young
Supporter
Joined
May 28, 2012
Messages
47,630
Reputation
4,121
Daps
71,892
Reppin
Michigan
Automating my finances has been a game changer but I’m trying to sync everything to my bi-weekly pay schedule. I may need to cancel some bills and then wait until my pay day to get them to sync.

I’m also looking to move most if not all of my discretionary spend onto my CC moving forward. Just put a cap on how much I spend on it a month and have my bi-weekly paychecks go into paying off what I spend so it nets out at zero. I don’t even care for the statement to post.

But my auto savings and investments are :ohlawd: I don’t even think about it

I got on that back in 2022.
When I think of a budget I think of assigning every dollar a task and writing it all out. I don't think of trying to automate as much of my finances as possible and making sure I take some savings off the top as a budget.
 

phcitywarrior

Superstar
Supporter
Joined
Nov 19, 2016
Messages
14,177
Reputation
4,837
Daps
34,117
Reppin
Naija / DMV
Once my end of quarter holiday is done, I’m really moving into stack mode heavy.

Good thing about the Bay is there’s less incentive to spend. If I were back in DC or up in NYC I’d be hard pressed to leave the house and not spend on something.
 

BigMan

Veteran
Joined
Dec 5, 2012
Messages
32,466
Reputation
5,711
Daps
90,111
Once my end of quarter holiday is done, I’m really moving into stack mode heavy.

Good thing about the Bay is there’s less incentive to spend. If I were back in DC or up in NYC I’d be hard pressed to leave the house and not spend on something.
when did you move out / and how is the Bay?
 

phcitywarrior

Superstar
Supporter
Joined
Nov 19, 2016
Messages
14,177
Reputation
4,837
Daps
34,117
Reppin
Naija / DMV
when did you move out / and how is the Bay?

Moved out here October 2021 but just to sign a lease, get a lay of the land and check out my new office. I really didn’t have two feet firmly on ground until February 2022 since I worked remote from Thanksgiving through the holidays and New Year.

For my career (fintech and digital payments) this is definitely the place to be. I’ve grown leaps and bounds in my career at just 29 and I’d even say I could probably net another 30-40% in comp going to another firm.

Weather here is amazing and if you enjoy doing things outdoors (soccer, hiking, cycling etc) you can’t beat it. Vibe is very relaxed and people enjoy being generally healthy. The sunny weather definitely lightens people’s moods and makes em more pleasant. Objectively, it’s one of the best places to live in the US.

However, subjectively, coming from DC/DMV, the lack of a large, well to do, upwardly mobile black population is hard to come to terms with. Many black professionals that come here from DC, NYC, Houston, Dallas etc all dip after 2-3 yrs. They just can’t “hack” it out here. Oakland makes things a bit more manageable since there are more of us out here but even still.

First time in my American life I’ve really felt like a proper minority.

I’ll still make it back to the East Coast but just got a few more career targets I wanna hit before I dip on out.

Thing about the Bay and Cali in general is you really gotta be all in for Cali. Any city worth a damn is so far away. The Bay to LA is a 6/7hr drive or 1hr flight. Vegas is an hour flight away but that’s really just a weekend turn up spot.

Seattle is a 2hr flight but Seattle ain’t for black people :hubie: same for Portland.

At least back in DC I would do weekend trips to Philly or NYC without even thinking. Leave work early on a Friday, hop on the Amtrak and be in NYC by 7pm. If I wanted to visit family in London or Lagos, it was a direct flight from Dulles.

I think if you accept the Bay for what it is and come in eyes wide open you’ll have a good experience. Like all in all, I’ve enjoyed my time out here for the most part.

My biggest gripes just have been the distance, the nightlife not really popping like that, no big affluent black population, it’s always a tad chilly in the evening, lots of homeless/mental people and the women in DMV / East Coast look way better than out here (LA is a different case).

EDIT: A lot of people told me pre-pandemic, the Bay was really popping. Tech money was flowing and the place was really lively. I think this area never really recovered socially after the pandemic. NYC, DC, Chicago and other big cities are “back” but a significant chunk of people that made the Bay lively dipped for good.

I can kind of believe it. Pre-pandemic my company’s holiday parties were very lavish. They’d rent out a museum, order top notch catering, bring in performers etc.

Now, we just have it in house with some light bites and drinks.
 
Last edited:

greenvale

Superstar
Supporter
Joined
Aug 1, 2017
Messages
6,498
Reputation
2,001
Daps
25,503
Reppin
Delaware
For the homeowners, get yourself an energy audit. They're usually free from your utility service and something as simple as improved insulation and changing out inefficient light bulbs can go a long way to reducing some energy costs
 

Dolla$

Minus the bullsh*t...life's great
Joined
Jul 8, 2014
Messages
5,304
Reputation
305
Daps
15,326
Finally started using a budgeting app this year and I wish I did it sooner. i know YNB app is popular but I really like the every dollar app by Dave Ramsey.

so far I fully funded my 6 month emergency and my buffer accounts, increased my 401k contribution by 4% and plan to do so every few months while I work on paying down this irs debt until I hit my goal of 25%.

starting next year I’m going to just take whatever company bonus I get and just throw it in my roth ira so I can hit that 7k limit asap
 

phcitywarrior

Superstar
Supporter
Joined
Nov 19, 2016
Messages
14,177
Reputation
4,837
Daps
34,117
Reppin
Naija / DMV

phcitywarrior

Superstar
Supporter
Joined
Nov 19, 2016
Messages
14,177
Reputation
4,837
Daps
34,117
Reppin
Naija / DMV
Gonna have to disappoint some folks for summer but I’m looking at the long game with my finances to be honest.

Better to get my house in order now than later.
 
Last edited:

winb83

52 Years Young
Supporter
Joined
May 28, 2012
Messages
47,630
Reputation
4,121
Daps
71,892
Reppin
Michigan
Just bought a Switch 2 and that's my last planned major purchase for the year. I been buying too much crap. Brand new car, a new OLED TV, and now that Switch. End of last year I also bought a PS5 Pro.

Gonna focus on halving my $10K of total debt.
 

Yinny

Sweet and Sour Patch Mom
Joined
May 10, 2012
Messages
16,145
Reputation
3,776
Daps
41,355
Reppin
Shangri-La
Finally started using a budgeting app this year and I wish I did it sooner. i know YNB app is popular but I really like the every dollar app by Dave Ramsey.

so far I fully funded my 6 month emergency and my buffer accounts, increased my 401k contribution by 4% and plan to do so every few months while I work on paying down this irs debt until I hit my goal of 25%.

starting next year I’m going to just take whatever company bonus I get and just throw it in my roth ira so I can hit that 7k limit asap
I took it back to straight spreadsheets for sure, being honest about what I’m doing and where I need to be. Ngl it’s stressful but needed.
 
Top