Does Family Dollar Sell Poker Chips - chismecalientito.com

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does family dollar sell chips - win

I am in my early 30s, make $75k a year ($120k joint), live in the South, work as a Development Director, and hate capitalism but love a little luxury!

Edited to remove the tables because when I obsessively checked this post on my phone I couldn't read them?? Also I tried to, but was prevented from, editing the title. I know it looks sanctimonious but that's just one small part of my personality I swear. D:
❤️ Section 1: Assets and Debt
Total Net Worth: $30,875 - all equity.
Retirement Balance: $0 for me; $20,500 for my husband in the state pension program for teachers. (My partner, L, has been paying into the state teachers' pension system for 5 years. For most of my 20s, I either worked at very low-paying jobs, or supported myself and others on a teacher’s salary, so no retirement for me. My current job does not have a retirement program, but one of my goals for this year is to either start a Roth IRA or get a new job with a 401k match… or maybe both?)
Savings Account Balance: $23,733 We’re moving this summer to a city closer to our families, and are saving all we can for a down payment on a dreamy spot. After we move, some amount of what’s left over will go into a retirement fund, and the rest will stay in this HYSA as our emergency fund. For us, three months of expenses, including childcare, is about $18,000.
Checking Account Balance: $455
Credit Card Debt: n/a, pay off each month
Student Loan Debt: $80,000 for L’s undergrad and MAT. $18,000 for my undergrad and (unfinished) MAT. (My undergrad degrees were mostly covered by the Pell Grant, scholarships, and a $10,000 529 from my parents. L was a nontraditional student - didn’t start undergrad until he was 24 - so none of his was covered. Most of my debt is for a MAT program I dropped out of after one year. I was trying to find any way out of teaching at the time (it is demanding, all-consuming, and carceral at once) and thought a PhD would be my only route. When I got my current job I promptly left the program and any dreams of a PhD behind.)
Equity: $83,875 (This number is from an online equity calculator, and is for our house in a very popular neighborhood in a very popular city. Our outstanding debt on the house is $295,000. We put our whole savings down in 2019, which was $9,000 at the time.)
❤️ Section 2: Income
Monthly Take Home: My base pay is $65,000, and L’s is $45,000. I worked a side gig last year that totaled about $10k in additional compensation; all of it went to savings so we don't budget for it. My take home is $4096/month for my full time job, and my current side gig income (grant writing) is variable, between $300 and $600 a month. L’s take home is $2262/month. My health insurance is paid in full by work. L’s insurance and B’s come out of L’s paycheck, as does L’s retirement contribution.
Income Progression: I’ve been working since I was 15 years old, moved out for college at 18, and paid my own bills starting that year. I won’t include that money here though (it was like $12,000 a year as a college student, for reference). Income below starts when I graduated with two BAs that had nothing to do with teaching.
Year 1: $15,600 (part time ABA therapist, full time baby anarchist)
Year 2: $32,000 (year 1 teacher salary: I accepted a spot in Teach for America for this giant salary even though I thought it was an obnoxious neoliberal org. Yes, I was also obnoxious at the time.)
Year 3: $33,000 (teacher, step increase)
Year 4: $34,000 (teacher, step increase)
Year 5: $35,000 (teacher, step increase)
Year 6: $15,000 (community organizer; at the time this felt like a dream job)
Year 7: $20,000 (community organizer & cafe worker)
Year 8: $40,000 (back to teaching, felt rich; this includes a side hustle writing grants on the side for $50 an hour)
Year 9: $45,000 (left teaching for my current job, quit the grants side hustle)
Year 10: $55,000 (got a raise, got pregnant)
Year 11: $65,000 (got a raise and promotion, had a baby)
Year 12: $75,000 (was promoted again in January but waiting on the pay increase to hit, hopefully with backdating. This money diary doesn’t reflect this salary as it hasn’t been reflected in my check yet)
❤️ Section 3: Expenses
Mortgage/PMI/Insurance: $2,110
Retirement Contribution: n/a (L’s retirement is pulled out of his check before he receives it: it’s $169 a month. Right now, I don’t have a retirement contribution)
Savings Contribution: $1000 to main savings, $400 to sinking fund (This is a super aggressive goal for us and is only possible because our childcare costs are covered by work)
Debt Payments: n/a right now (We have student loans to the tune of $100k but haven’t been paying a dime since they were paused due to COVID. But then the other day I checked and saw they've gained interest? Should we be paying them then? WWJD? I legit don’t know.)
Electric: $130
Internet: $100
Cellphone: $65 (For L & I both. We are on a bigass family plan with 40 gajillion other people.)
Subscriptions: $45 ($10 Spotify; $10 Youtube music; $2.99 Apple data (Why?!); $22 NYT (for newspaper and cooking app); also have a split subscription to the New Yorker with bestie F but we paid for a yearly deal.)
Car Payment and Insurance: $150 for a car payment; $202 for insurance (Insurance covers both of our used cars and my dad’s used handicap van. Our car payment is for our used Honda. We only owe $6,850 on the car and I’m back and forth on whether to pay it off with savings)
Medical/Therapy: $0 (My therapist is $140 a session, and I just started seeing her again once a month, but this is reimbursed by work. I also get an inhaler at least twice a month - that’s reimbursed too, costs $60 total.)
Misfits Market: $120 (For a weekly box, which really helps us cut down on overall grocery cost)
Gym membership: $30 (For my intense local yoga studio’s app which is so great in the winter. We also run and bike a lot, as long as it’s warm enough)
Donations: $100 (We give monthly to our local Democratic Socialists of America; the Working Families Party; and a small, local org. I’m also on an organizing committee for that org. We’ll give them one big gift of at least $250 this year, probably in May. I support a couple organizations with grant writing and grant-finding support as much as I can, which usually amounts to a few hours a month.)
Childcare: $0 B goes to a very precious Montessori preschool, and we can walk him there. It’s pricey af ($1300/month). The other $200 is to account for some babysitting from my little sister when L or I have to work weird hours. For now, work reimburses this full amount as a COVID perk; if that changes, we will have to cut costs significantly.
House cleaner: $160 (They come twice a month and charge $80 each time.)
❤️ Section 4: Money Diary
NOTE: We are masked and afraid everywhere we go.
✨DAY 1: THURSDAY✨
4:20 am: Good morning world! I shuffle into the kitchen in my panties and my slippers to fill up the gooseneck kettle. I recently got into pour over coffee even though it’s quite a commitment. With a toddler, a full-time job, and a Libra sun, I don’t really have time for meditative morning routines. This lengthy, half-naked coffee regimen is my closest attempt. As soon as I get the coffee brewing, our 18 month old, B, starts making noise. I open the door and see he’s got his pacifier in his mouth and his pillow in his arms. He wants to lay with Dada. I help him get in the bed with my husband, L, as quietly as possible. Last week L was super sick and we thought for sure he had picked up COVID. Blessedly all of our tests came back negative, but on the heels of that, he started having major tooth pain and had to have an emergency tooth extraction, AND he got an ear infection as he was coming down from whatever virus he had. I hate it :(
I get dressed and do some chores while they snooze to ease L's morning. I start the diaper laundry (usually his job - we use cloth), put away the dishes, start the Eufy vacuum, and get B and L’s breakfasts together: sunbutter and a little bit of syrup on some banana pancakes I prepped earlier this week.
6:30 am: B and L are up! The hour before we take B to preschool is kind of a marathon. L eats with B (and supervises his syrup consumption) as I clean out some more dirty diapers, brush my teeth, make another cup of coffee, strip our sheets, spray my hair with water to refresh the curl, return a few group texts, and wash some breakfast dishes. Somewhere in here I also eat two boiled eggs with Everything But the Bagel seasoning, and a bunch of grapes.
I help L get B loaded up in the car, and just as they pull off, my parents Facetime me. They’re calling to see B but are polite enough to talk to me for a few minutes. They live a few hours away, and are divorced, but cohabitating. The full story is long and spiritual for me so I’ll spare you. Anyway, my mom and I talk for a while about this couch she thinks I should buy from one of her friends, but it’s two hours away and we’d have to rent a U-Haul, so I think we’ll pass. I do hate our current couch though. Please drop comfy toddler- and dog-friendly recommendations in the comments!
8:15 am: I set out to walk the dog and listen to the Daily’s recent update on the coronavirus. Donald G. McNeill, Jr., says we’re in this through the summer, which is a bummer on the personal and global front, but I suppose it could be worse??? Maybe?? As soon as they finish talking I switch over to You’re Wrong About. I’m deep in the Jessica Simpson series and highly recommend this pod for any other nerdy, lefty, kinda burnt out millennials, especially those of you that are queer or queer-adjacent. Once home, I take my whole operation onto the front porch to work, since the cleaner will be here soon and I don’t want to crowd her in this time of COVID. I LOVE a clean house and I love paying someone else to do the big stuff, which is a recent luxury for us.
11:00 am: I’ve been working steadily in my email and google docs for a couple hours now, and it’s COLD out here. The cleaner leaves and I am grateful to go back into the heat. I Venmo her $80 for the cleaning (included in monthly expenses). I take a break from work and check out the job boards. My current job is the best, and highest-paying, gig I’ve ever had, but I’m planning to leave some time this year for several reasons. The premier reason: I recently learned that I’m qualified for several positions that pay over $100k at similar organizations. With that kind of money we could pay off our student loans, help our families out more, make sizable donations, and L could explore a career outside of teaching without freaking about a slight cut in his pay for a few years as he finds his niche. Or - maybe he’ll get into Edtech somehow and we’ll join Resource Generation. Who knows.
12:30 pm: I have a quick break and pull together lunch: half a cheese quesadilla, a big bowl of Smitten Kitchen’s roasted tomato soup, and a LimonCello LaCroix. L is on his planning period and asks me to edit his most recent job application, and I oblige. Since we’re both job hunting, I ask him if I can buy a resume template and guide on Etsy. I have sworn off online shopping for the year to curb my impulse spending, but he says we’ll just count this one as his purchase. Great news because I hate the formatting of my resume from 2016 and don’t want to fix it myself! $9.95
3:30 pm: My Zooms are over, my inbox is at 0, and I put up my out of office message because I’m taking the day off tomorrow to work on my resume and do some things to prep our house for sale. My high-functioning anxiety created an ambitious backwards timeline for this process back in December, and that timeline currently runs my life. I work for a few more minutes to tie up loose ends, and then walk O to a nearby shop to buy my favorite candle, curbside-style. When I get there the owner gives me some percentage off because it’s slightly discolored from the sun. Huzzah! $27.25, marked down from $40
4:45 pm: My angel of a baby sister, J, who lives just a few blocks away and is in a pod with us, comes to hang out with B for an hour so L can rest. I head to my good friend D’s place for my investment overalls appointment. She's going to alter their awkward wide leg into more of a tapered, mom jean shape. I have a capsule wardrobe which means I’ll wear these babies at least once a week, and plus I get to pay my friend, so I’m fine with the extra expense. When I arrive, she and her partner have the fire pit going, and we drink a couple glasses of wine together, yet more than 6 feet apart. I learn they are planning to move to the same new city as us in the next couple of years and legit cry happy tears.
Afterwards, I head out to pick up dinner for tonight. We are getting burgers from L’s favorite place as a treat. On my way, the WOLF MOON appears over the water and my stomach does triple flips. Then I pick up our dinner: a veggie burger with eggplant jam and kale for me; a real-meat burger with mushrooms, bacon, swiss, carmelized onion, and horseradish mayo for L; and an appetizer plate with pretzels, pimento cheese, onion jam, pickles, and chips for B. Delicious and unhealthy. The total is $34.54.
6:30: Home and eating dinner. B loves his meal, especially the “chokes.” He calls pretzels “chokes” because when L first started feeding them to him, I worried aloud that he would choke every time. I just couldn’t stop thinking about how a pretzel almost took out George W. Bush. Turns out our toddler is better at chewing than George W. Bush.
After dinner, L gives B a bubble bath while I do my own, very minimal, bedtime routine. Then L and I lay down with B to put him to sleep. He has a floor bed, which is a Montessori thing I learned about on mom blogs. L is a very hot and talented woodworker, so he took my floor bed dream to the next level by building a lovely house-shaped frame. The top beam is wrapped in twinkle lights and fake ivy. It’s a nice place to sleep, and we pass out here all the time.
10:30 pm: L wakes me up and we wander to our own bed.
🌿 DAILY TOTAL: 71.74
✨ DAY 2: FRIDAY✨
4:15 am: Wake up and go look at the clock. Decide this is a silly time to get up on a day off, drink some water, and go lay back down. But once in bed all I can think about is how much I want to read the news, organize my resume, and update this money diary. This is the problem with falling asleep at toddler time. So I get up again at 4:45, make my coffee, read a New Yorker article about Biden’s pandemic response on my phone, and sit down to work on this diary.
6:00 am: L wakes up! He works on breakfast for himself and B and I start meal planning for the month. This is one of my best and most recent life hacks. I found that if I chart out our cooking, weekly takeout, and leftovers at the start of the month, we save lots of money and are so much less stressed about the labor that goes into feeding ourselves. I pull out Smitten Kitchen Every Day and use it to inspire the month’s meals. So quaint to cook from an actual BOOK.
6:45 am: B walks out of our room and announces that he drank my water off the side table. He’s so proud! And so ready to eat. While he eats breakfast, I snack on some grapes and, at B’s request, blast 7 Days A Week by They Might Be Giants. This is the consummate children’s song for any household that dreams of a self-determined world. Over the next hour I take B to school; make myself a real breakfast (a soy chorizo and egg taco); and browse TikTok. Eventually I find a series about this Gamestop situation by a smart Irish woman and L and I watch it together. When it’s over we feel like shrewd stock brokers ready to win money, and L gets to work teaching virtually.
I spend the morning painting our front door and our kitchen wall to prep our house to sell, and talking to my (other) little sister on the phone. She’s an HR person with a job that’s taken her far away from our family, and we don’t talk that often. It is so good to catch up on her life. After that I have a fun, day-off Zoom call with longtime bestie and coworker K. We drink coffee and talk about The Future.
12:30 pm: I make lunch (tomato soup with goat cheese on top, and a savory scone on the side) and get a text from another bestie, M, who offers me a little grant writing contract work this week. Yay! I love them and love working with them. Next, I order our groceries for the week. I get baking powder, eggs, cremini mushrooms, vegan sausage patties, oat milk, ginger root, shredded cheddar cheese, plantains, black beans, doggy bags, broccoli, vegan chicken strips, artichoke hearts, roasted red peppers, capers, ciabatta bread, grits, bananas, avocados, greek yogurt, and on impulse, a pineapple on sale (?!). Maybe B will love it. The total comes to $94.08.
1:15 pm: I do a brief power vinyasa class in B’s room and take a shower. It takes me approximately two Drake songs to shower and dry off, as I don’t have to wash my hair today and I never shave. I work on my resume until L and I leave to pick up B. On the way home we stop at the park to play, and then we all get in the car to pick up groceries.
6:30 pm: We get home later than planned and eat together: leftover tofu ramen for us and veggie lasagna for B, who is so sleepy that he hardly touches his lasagna. L gets him in the bath around 7:15 and I run through my evening routine. There’s a lot going on in the house - preschool lunch and clothes to put up, a mountain of laundry in our room, all of the groceries for the week waiting to be put away, and dinner dishes are languishing in the sink. L starts on chores while I get B dressed.
As I’m dressing B, my mom Facetimes and B shows her several of his board books. While we’re talking my dad texts me a heart emoji - he overheard B and my mom talking from his room. He lives with a disability and a painful illness, so he goes to bed very early. We hang up with my mom and record a video of B making “P” sounds and saying “I love you” to my dad, and send it over. This is the first time B’s ever said “I love you!” Huge news. We read books and fall asleep next to B.
9 pm: I wake up and nudge L but he wants to keep sleeping. I go clean the dinner dishes, put away the food and reorganize the cabinets and fridge, and mop the kitchen floor while I listen to The Daily’s latest reporting on QAnon believers who are at once totally bananagrams and also remind me very much of my aunt. L wakes up at 9:30 because he and Y, my sister’s boyfriend, are gonna game. Cute! He finishes the laundry and I fold a few diapers to help out. Then we lay in bed together until game time, when I fall asleep.
🌿 DAILY TOTAL: 94.08
✨DAY 3: SATURDAY✨
5:40 am: Wake up at a ~*~weekend hour~*~!! Start my kettle, clean and moisturize my face, pull out the ingredients for waffles, and pick up around the house while I wait for it to boil. I try to read some, but get bored a few pages in. I’m currently reading How to Do Nothing and it’s good enough, but I think I need to chill on the nonfiction and read, like, saucy romance novels with hot bisexual leads. Send me your recs please!
Waffle time! This recipe is my go-to. I recommend whipping the egg whites first. B wakes up around 7:15 and helps me cook which is cute and very messy. He eats his waffle with honey, peanut butter, and grapes. L wakes up after him - he had a late night gaming!
8 am: I open yesterday’s mail and find an anti-abortion DVD from L’s grandma. It’s Abby Johnson’s “memoir.” Abby Johnson is an opportunistic right winger and documented liar who once moonlighted as a Planned Parenthood clinic manager. L is a preacher’s kid, so we’re not surprised to receive this from his grandma. For example: 10 years ago, when L and I were a couple years into our relationship, her Christmas gift to me was a book about how one can recover from being a slut by getting married and finding Jesus. This particular package really sends me over the edge, though. I decide to write them a short note later that states my own experience with abortion and sets a clear boundary on this kind of propaganda, and includes an article about Abby Johnson’s bullshit life. It’s unlikely this will change their minds - they are septuagenarian Southern Baptists, after all - but at least I’ll be in my integrity.
In the meantime, I group text L’s siblings, and they commiserate with us. His one sibling who is transitioning shares that grandma recently sent them a book about how to tell your gay friends they’re sinning. We agree that’s hilariously dense (and fucking rude) of her, and talk about how everyone under forty is a gay slut living their best life, so really it’s grandma’s loss. During this time I clean the kitchen, finish the waffles, and freeze them for B’s weekday breakfasts.
9:30 am: B asks to use the potty and does a great job peeing on his own! He’s geeked about it and is especially excited to have my parents on Facetime cheering him on. After that we head out on our morning walk. L takes B to the playground and I take O to the dog park nearby. She gets tired pretty quick and we all head to the thrift store. We need chairs for our hand-me-down kitchen table. The ones that came with it are awkwardly wide. L spots two sturdy ones that are just $5 each. Score! $10
11:30 am: B and L are both wiped out once we get home. They eat lunch and go to sleep. I clean up the kitchen, repot one of my plants, water our porch plants, and eat some leftover ramen for lunch. The Marie Antoinette episode of You’re Wrong About keeps me company all the while. 10/10 would recommend.
2 pm: B wakes up and eats some lunch. We watercolor together for a while (he on his big paper, I in my bullet journal), then walk down the street to the local high school while L preps potatoes for our fondue. The high school grounds are open on the weekends, and there’s an amphitheatre on site. B loves the echo in there.
4:30 pm: L joins us in the amphitheatre and together we drag B two blocks back home. I prep the fondue: brie, gouda, and more gouda with white wine. It ends up being a little clumpy but so delicious. My sister, J, and her boyfriend, Y arrive while I’m cooking. Y brings yummy baguettes from his bakery job for the dipping and we prep broccoli, green beans, and tempeh too. We sit down in our new chairs to eat and for the zillionth time I am so thankful we’ve been able to make a pod together this year. Fondue would be a terrifying proposition with anyone else, really.
While we eat, Y tells us he put in his two weeks at the bakery because their COVID protocols aren’t so tight and his coworkers are continuing to go to bars and out to eat. His plan for now is to get back on unemployment and find a virtual job sometime soon. Both he and my sister have worked food service their whole adult lives so the pandemic has been tough on them. Besides the fact that they’re delightful and perfect, this is one key reason we’re planning to move with them to our new city this summer: L and I will be able to easily afford the majority of the rent, deposits, and utilities on a pretty big, and centrally located, house. Living together will allow us to grow our savings and take our time looking for a Forever Home, and will allow J and Y to pay really low rent as my sister goes back to school full time and Y looks for a full-time job. I’m really looking forward to living with them and know it’ll be good for B, too. They leave around 7 pm and we put B to bed, this time without falling asleep ourselves!
8:30 pm: Turn on How I Met Your Mother in bed and the episodes are baaaaad bad. One entire episode casts sex workers as a punch line. Ick. L and I agree to find a new show, and fall asleep around 10.
11 pm - 2 am: B is up and between our two beds. Wahhhh.
🌿 DAILY TOTAL: 10
✨DAY 4: SUNDAY✨
6 am: Up and at ‘em! Discover I’m out of my fancy coffee and don’t want to emphasize the flavor of our grocery store beans with a slow pour, so make a french press instead. B wakes up too early so we watch toddlers together on TikTok while I drink my coffee, then read books while L makes us all eggs for breakfast. We head out for our morning walk around 9 am and stop at a coffee shop a few blocks away. I pick up Counter Culture’s Iridescent beans, buy an espresso brownie on a whim, and tip the cashier because she’s so sweet and tipping is good. The total is 23.03. L takes B to the playground and I drop my purchases and O back at the house before I head out for a run.
9:45 am: It’s 65 degrees and my run is glorious. I run to the water and pause Lil Yachty for a minute to take it all in. Once home I shower and put on a black LA Apparel catsuit and a marled black and white cocoon sweater from AA of the past (I like what I like!). We feed B lunch and then L puts him down while I clean up.
Around 11:30, J comes over after to watch B while we remove the storm windows from our whole house and clean the windows underneath as part of our work to prep the house for sale. We’re a solid team: L removes the storm windows and caulks all the gaps in the wood while I follow behind him and wash the windows inside and out. Our sweet neighbor catches us cleaning and offers to let us use her power washer for free next weekend to clean up the front of the house. I resolve to bake them some cookies.
2:30 pm: We are done with the window operation and it’s time for me to water all 57 plants in the house. Along the way, discover that I overwatered B’s hoya last week and it’s rotting. Noooo! I unpot it on the porch to dry the roots, but it’s raining so this might not work. There’s only one surefire solution: buy a replacement plant! I try to convince L we should go to the nursery, but he’s not so into it. I walk around dejectedly with a towel to clean up all the water I spilled, and Zelle J $70 for babysitting even though she insists she would do it for free. Next B, L, and I share a snack: crackers with goat cheese and harissa. Mmm. B skips the harissa but loves the goat cheese. Meanwhile I begin to stress about making dinner. We’d planned goddess bowls but L and I just aren’t feeling it after our marathon of house work. L requests Chinese and is suddenly more amenable to visiting the nursery, which is near our favorite Chinese takeout spot. Score!
5:00 pm: We leave the plant shop with a heartleaf philodendron for B’s room and a giant, lovely, perfect monstera deliciosa just because. The total comes to $53.24. Then we pick up our food: $33.08 including the tip. L ordered a large veggie lo mein to share with B and General Tso’s chicken, and I got family style tofu and vegetables. We start B’s bedtime routine at 6:30 and he’s out by 7:00 - early for him!
After he’s down, L preps his breakfast sandwiches for the week and I do some dishes. Then we take mutual advantage of the extra hour we have together. Even after 12 years it’s always so good with L. I fall asleep around 10 pm feeling blessed.
🌿 Daily total: 179.32
✨DAY 5: MONDAY✨
5 am: I make my pour over and get started on work first thing. I have a couple of deadlines this week and the side gig to balance so I’m already feeling pressed for time! I wrap up an entire grant report before 6 am and feel very accomplished. Then I pause work to start our breakfast, which is all pre-prepped, hallelujah. While L and B eat breakfast, I get dressed in a black turtleneck minidress, busted old tights, black ankle socks, and my Doc Martens.
I help L load up the car with B and all his gear, and tell L to be careful. Today is L’s first day back teaching in person since December, and we’re both nervous since COVID is still running wild in our red state. On the way to work he fills up his car for $18.33.
2:30 pm: After another grant report, seventy gajillion emails, forty Slack messages, and several hours of Zoom calls, I’m ready for a break. I finish eating the quinoa salad I prepped during Zoom call #2 and then eat a pear too. I see our Misfits box has been delivered. It’s $30 a week, and is included in our monthly expenses. I unpack it, clean the counters, wipe down the bathroom sinks, take O for a walk, and sit down to work on my side gig grant report, which is due Wednesday. I set a 30 minute timer because I don’t want to be too late picking up B.
4:25 pm: Worked longer than I meant to! Pack some snacks and pick up B. On the way home we get a giant bag of potting soil so I can repot those plants. It’s $18.52. Come home and engage in B’s favorite winter activity: pressing all the buttons in the turned-off car. Meanwhile, in another car across town, L picks up a big bag of Purina One, butter, maple syrup, and applesauce. That total is $28.64.
5:30 pm: The whole family is home and we kick it inside until it starts to get dark. L and I gather all the things and take the creatures out for a walk even though there’s a light, but very cold, rain happening. B is cranky and so are we, so the walk is quick.
We eat leftover Chinese food around 7 and start B’s bedtime routine. B falls asleep at 8 and I update this diary for a while, then go watch Ted Lasso in bed with L til about 9:30. It’s much better than How I Met Your Mother, for the record.
🌿 DAILY TOTAL: 65.51
✨Day 6: TUESDAY✨
3 am: B wakes up and needs a diaper change. I have the hardest time falling back asleep after: I can’t stop thinking about how I left B’s hoya out in the cold with its roots exposed most of the day yesterday and into tonight. But it’s too cold for me to get up again and pull it inside! So instead I toss and turn and hope it’s not dead yet.
6 am: L’s alarm wakes me up! No early morning reading and writing time for me. I get right up, make a giant pour over, and get breakfast together while L wakes up B. Then I actually sit down with them to eat: B and I both eat boiled eggs with everything but the bagel seasoning and some coconut milk yogurt, and L sips his coffee while his breakfast sandwich heats in the oven. I get dressed in my workout gear and walk the dog while L gets B ready for school. They leave, and I finally bring the hoya in, and start work, around 7:30. L buys coffee and snacks from the gas station on his way to work: $6.88.
9:30 am: I grab some crackers and peanut butter from the kitchen and notice a DMV bill on the fridge I’ve been meaning to pay, but don’t totally understand. I call them up and respond to emails while I sit on hold. Turns out I owe the DMV $10 for paying my Dad’s van insurance late. With the “processing fee” it comes to $11.17.
1:30 pm: Been on Zoom calls all morning, and decide to switch over to the side gig work for a bit. Meanwhile I eat that quinoa salad I prepped yesterday. At 2 pm, my longtime bestie and neighbor F comes over and we take O for a walk in the park together and have such a good conversation. While the context is (very) different, I’m reminded of the Toni Morrison quote when I think of F: “She’s a friend of my mind.” Such a gem, and such a smartie. At 3:30 I start a HIIT yoga class and it kicks my butt even though it’s only 20 minutes long. Afterwards, I shower and pick up B.
5:00 pm: L arrives home while B and I are playing, and we get in the car once more to check out a cute couch L scoped out on Facebook marketplace. It’s a sweet vintage brown velvet actually-for-real midcentury situation. Unfortunately we discover it’s also small and very uncomfortable. $200 not spent. Once home, my family goes for a walk and I make dinner - this grits and beans recipe from NYT cooking. It’s blessedly quick to pull together. Meanwhile D texts me and says my overalls are ready! YAY! She’s gonna drop them off in a couple of days. She says the total is $30. I include a tip and Venmo her $40.
7:00 pm: At bedtime, B cannot get enough of his books and we read All The World several times. He finally falls asleep around 8:20 and L and I eat dinner on the couch, with Ted Lasso. I drink a glass of red wine, which is a mistake: my anxiety spikes right after, my stomach hurts, and I can’t sleep. This is very upsetting as I want very much to be a wine mom. Does this happen to anyone else?
🌿 DAILY TOTAL: 58.05
✨DAY 7: WEDNESDAY✨
5:45 am: Wake up with B cuddled into my back - L moved him to our bed in the middle of the night after his second wake up. Get my coffee and breakfast together and sit down at my computer to work on the side gig grant while everyone's asleep. Then L and I manage the morning rush together. I eat sourdough toast, two scrambled eggs, and some pineapple along the way.
7:30 am: Take O out for a walk and on a whim decide to listen to one of my favorite easy-listening pods: A Beautiful Mess. Normally the two sisters and co-hosts, Elsie and Emma, chat about things like home decor or craft making or how to balance kids and work. This episode is about the host’s evangelical upbringing, though, and is a real raw and honest tear jerker. Pair it with this, one of my top reads of 2020: “What Does the White Evangelical Want?” It gets me thinking about L’s upbringing in the church. He and all his siblings are all agnostic now.
Finally sit down at my desk and debate taking Adderall. I used it regularly in college and for a few years after in order to Do All The Things. I try to stay away from it now - I’m not trying to live an impossible life any more - but I also really want to pick B up earlier than normal today, and that means I need to meet all my deadlines and make it through two Zoom calls with my direct reports by 3 pm. I decide to take 4 mg. Right after I take it, three different friends text me at once and then, suddenly, I’ve spent an hour catching up via text. Get to work for real around 9 am.
3:00 pm: Wrapped all my calls, answered all my emails, washed all the dishes, ate some lunch, and finished the side gig work! OK Adderall, you beautiful bitch. Spend a few more minutes tying up loose ends and then gather my things to pick B up from school. The plan today is to go “play basketball” in the park near his school because he is OBSESSED with balls, and I’m trying to do more magical things every day with him. It’s cold but I’m ready to brave it on his precious, curly-headed behalf.
At 4 pm J calls and asks to go pick him up with me. Hooray, things just got even more magical! We head to a different-than-usual park together and run around until B sits in, and then drinks from, a puddle. We panic and J googles “What happens if my baby drinks from a puddle?” The search returns lots of stories of babies eating muddy rocks and surviving, so we decide it’s ok.
5:00 pm Head home and L is back from work! We take the smols on a walk and I tell L that I think nighttime screentime is making me anxious. I’m a sensitive creature and I really don’t want to blame the wine. He’s very perfect so he helps me think through an alternate plan for this evening: hot tea and book reading in bed, and maybe sex, too! Fun.
Next, I head home with O to pot the plants we bought the other day, and L takes B to the playground. They get back around 6:30 and I am very excited to reveal my new plant placements. Everyone feigns interest except O. Then we eat leftovers together and B gets in bed around 7:30. L and I promptly fall asleep next to him and don’t wake up again til 11 pm. Guess our new nighttime routine will have to wait til tomorrow!
🌿 DAILY TOTAL: 0
❤️ Section 5: TOTALS
Total Expenses: $478.71
Food & Drink: $220.25
Fun & Entertainment: $0
Home & Health: $109.01
Clothes & Beauty: $40
Transport: $29.50
Other: $79.95
❤️ Section 6: REFLECTION
This week reflects a new normal for us, I think! We just set the goal of saving up for another down payment in December, and that’s when I swore off online shopping both to save money and to stop lining the pockets of evil billionaires like Bezos (no shade to anyone who uses Amazon, this is purely a personal goal & I’m not sure I can meet it). This self-imposed rule is helping me reign in my discretionary spending overall. L and I have only been living a two-income, middle class life for a few years, and my lifestyle creep was a little out of control in 2020. That said, I can and do still regularly justify spending money on things that make life more luxurious and beautiful - like a $40 candle or a totally unnecessary but very lovely plant.
There are a couple of things not reflected in this diary that we regularly spend on: gifts (my achilles heel - for example, we spent three! thousand! dollars! on Christmas gifts in December), and medical bills. Both B and I had to visit the emergency room in 2020 and we are still getting random bills in the mail as our insurance company and the hospital duke it out. As I was editing this diary on Thursday, I received one for $787. Wahhhh. I think I’m gonna get on a payment plan, but even so that it will be over $200 a month.
Last thought: this process got me thinking in some detail about the contradiction of organizing for the fall of capitalism (and the rise of a more gentle and just economic system), yet believing everyone - including ourselves and our own families - deserve to live full and abundant lives. This means I compromise my own anti-capitalist values and beliefs every day, in big and small ways. Discuss?
submitted by mdanonomy21 to MoneyDiariesACTIVE [link] [comments]

BLNK charging DD + short interest DD

There are many new people here, I do not want this to be a distraction. If you have EXTRA money and are already hodling GME, or cannot afford GME you should join the BLNK train.
So let me preface this by saying BLNK will not be the next GME. There will probably not be another GME. For starters it's not going to have an army of kids who used to shop there 15 years ago hyping it, not to mention over 100% short interest and the fact that in the early days it wasn't even 1b dollar market cap.. But it can a squeeze of it's own for it's own reasons entirely and so I have spent time looking beyond just the stock price movements which is what initially led me to start the idea of a BLNK DD. I do want to point out some things I noticed while the big squeeze started happening.
Is this realistic? Lets take a look at the ways in which BLNK is SETTING ITSELF UP to make money in the future, and I say that because as we go into details later you will realized they are currently not exactly succeeding financially, though when has that stopped a company from turning into a success in the past? We will also take a little bit of look at the short interest. Also, these are the kinds of companies who continue to gain more short interest as the price continues to rise.
Okay so BLNK is not some new company who just started because of the EV hype, BLNK has been a public company since only 2018 but has been a private company since 2008. They had a different name, but merged and acquired a few companies or something, and somehow ended up with the name BLNK. Many companies fight for years to break out of the depths of nothingness into a sound business model. According to their CEO: They design, manufacture, maintain, own, and operate charging stations. Their main business goal is to be the owner and operator, so they can be the fuel of the future. They put their focus on areas where you have no other choice but to use public charging.
BLNK revenue comes from a few different things:
BLNK Expansion, Growth, Partnerships, Deals, Future revenue streams
Some Other Points to Consider
The Possible Concerns that keep getting thrown around
​
BACK TO SHORT SHORTS
​
So if the last data I see on yahoo says that that the float is around 27 or 28 million. This is what's not held by insiders, who are unlikely to sell right now due to the fact that everyone knows we are collectively fucking over people who traditionally fuck them over. If a few weeks ago there was 8.8 million shares shorted and the average daily trading volume as of last week close was 14,263,640. This would make it a modest .61 days to cover. While it's no GME, I do believe this is a pretty large short ratio. Especially when you consider how small the public float is. I do believe this situation will be amplified the further BLNK moves away from it's "valuation." Also with what we've seen this week these people are willing to double down on things because apparently maybe they are just as retarded as we are.
So BLNK's short interest is increasing at a rate of about 20% per every 20 dollars the stock rises. This is only a simple estimate based off of quick calculations but you can see that Dec. 15 the stock price was 28 dollars and amount of shares shorted was 6.18 million. On Jan 15th the share price was $47 and the total amount of shares sold short were 8.8 million. That's about 23%. As of right now it's still less than a day to cover but that does not mean we can't see things get frothy from this point on. Most people think BLNK's chance of success sit somewhere around the 0-3% mark I'd estimate based on the general sentiment not only here on WSB but also anywhere else on the internet you look. The consensus seems to be to stay away from it.
Months back some shady research company probably wrote a hit piece on BLNK causing it's share price to tank nearly 50%, it had no real substance, none of the claims were found to have any evidence of being true and it is being investigated by the SEC and such, This same company ran an inaccurate hit piece on CLSK some time ago. Culper Research is the name if you'd like to look it up and read the hit piece. BLNK managed to defeat the shorts that time but will they again?
Did I mention who else hates BLNK charging? SHITRON himself. Here's a quote from the shitman himself back in November:
Shitron said, "BLNK’s valuation makes no sense" and called the company a “total scheme.” Left said it is “insulting” to call BLNK an EV stock.
“New most ridiculous EV stock is $BLNK. No $$ for R&D, management accused of securities fraud, no real revenues,” Shitron tweeted.
This goes without saying but every word that comes out of that mans mouth is horse shit. You know this. At this point, literally the whole world knows this. It's not even a question of does he write things based off of any evidence, we all know he would only say negative things that are to cause companies to go down because he has a position shorting them. Does he still have a position? Who knows, but we can safely assume at least at one point he did.
I try not to use the F word but here goes a bit of simple Fundamentals for you tards:
Current market cap: 1.85b Don't need to remind you guys this is still tiny and can still go through some explosive growth at a market cap this small in todays world with the amount of retail investors that throw their money at the most retarded shit you could ever possibly think of, for reference look at NKLA. Pretty sure NKLA reached a 20b dollar market cap at one point.
BLNK has negative earnings per share, and although their revenue is increasing a good amount from quarter to quarter and beating expectations they only earned about 2.26 million last quarter.
Last quarter GAAP EPS: -.12
Operating Income: -3.50 M
Profit margin: -285.81%
Return on Equity: -97.33% This tells you how well they are spending their money.
Yes those are negatives. Impressive, to say the least.
As a matter of fact just about everything you read about this company screams "SHORT ME!" Think about how many rich powerful scumbags are trying to run this company into the ground. Are they right? Or is EV charging just the future that has not come yet!? What I take from this is that they are spending every dollar they have trying to make it. This is all or nothing for this company.
Final Thoughts
Can we think of any other companies with negative earnings per share that still ended up being great success stories? It's almost like that hasn't been the blueprint for the past 10 years now.. Will it work? Only time will tell. But it definitely will not if these short sellers have their way with it. Also for reference just look at QS's 16b dollar market cap and they don't even have a product. BLNK at least has products that are currently going out into the world to be used. Of course the real move could just be puts on QS, but I stay out of bear territory especially during bull feeding frenzies. My outlook is that Billions are just the Millions of some years ago, especially when we're printing Trillions out of thin air (Obligatory shout out to the printer man himself JPOW). Just remember that we live in a brave new world where kids with phone apps can invest in what they believe the future is going to look like.
Lastly, this is a stock no one has restricted trading to yet, allowing people to buy more than 2-3 shares could seriously cause BLNK to quadruple in value. We've seen how fast small market cap companies can jump when millions of autists all buy shares at the same time. Strength in numbers. The revolution of the retail investor has only begun my friends.
Remember I'm just a retard not a financial advisor so this is not advice or anything but I'll let my positions speak for themselves:
GME 500 c jan 29 (RIP I TRIED TO IGNITE THE INFINITE GAMMA SQUEEZE GUYS, I DID MY PART AND BOUGHT THAT SHIT ON THURSDAY, GUESSING IF 500C WENT IN THE MONEY IT WAS GOING TO IGNITE A DOMINO EFFECT, I TRIED AND FAILED BUT I LOVE YOU ALL, BUYING MORE SHARES ON MONDAY)
GME shares
PLTR 30c May 2021
BB 14c Jan 2023
BLNK 14c Jan 2022
​
TLDR: BLNK is the only vertically integrated EV charging company, BLNK has international presence, BLNK shares are up 2400% in the past year. It will take .61 days to cover and this number DEFINITELY rising, very small amount of float available, Shitron hates BLNK, so do all other short sellers, make no mistake they have put the hit out on BLNK and would love to see it run into the ground, BLNK is small enough to still rocketship pretty hard, GME to the moon.
submitted by Spaceseeds to wallstreetbets [link] [comments]

Most Alarming People of 2020

Most Alarming People 2020
(The Daily Beast and the New Yorker used to run lists like this as a year-end feature. This is my humble attempt to keep the tradition alive. A year of so ago someone said it reads like the rantings of Abe Simpson. I think he may be right.)
STEVE ADLER, Democratic Mayor of Austin Aggravating Factors: Recorded a message asking the people of his city to stay at home due to the virus. He recorded it from a resort in Mexico. He was there for a wedding. The wedding featured a big crowd. It was held indoors. Extenuating Factors: He “never violated any orders or guidelines.” Sentence: His state’s upcoming blue wave passes him by.
PAUL ELIAS ALEXANDER, Former assistant secretary for public affairs of the Department of Health and Human Services, just another talk show person advising the Trump administration. Aggravating Factors: He called for colleges and schools to remain open in order to rapidly spread the infection and establish herd immunity. His policy would have caused many thousands more deaths. "Infants, kids, teens, young people, young adults, middle aged with no conditions etc. have zero to little risk….so we use them to develop herd…we want them infected…" Controlled the statements of public health officials because, "None of those people have my skills. I make the judgment whether this is crap." Extenuating Factors: He is a doctor, a PhD, not an MD, but still, he is a doctor. Supposedly there are no photographs of him. Sentence: Loss of senses of taste and smell.
SCOTT ATLAS, MD He was the head of White House policy for the Covid-19 epidemic. Before that, he was some sort of radiologist, but he has been retired for ten years. Aggravating Factors: Is advocating herd immunity as a response. The more infected the better. Extenuating Factors: Seems to be more of a crank than a quack. Sentence: “The only way this stops is if people rise up.”
STEVE BANNON, He has made his fortune fleecing the trailer park set. Both a financial and a fashion criminal. Aggravating Factors: When he was arrested, he was riding out the pandemic on the superyacht of an exiled Chinese billionaire. (Cf. Jerry Falwell, Jr.) Extenuating Factors: Did seven years in the Navy. Sentence: His zone gets flooded with shit.
TODD BELL, Pastor at the Calvary Baptist Church, Millinocket, Maine. Aggravating Factors: He officiated at a wedding in rural Maine. Someone was sick and sparked the biggest outbreak in the state. Not his fault. After he found out he enjoyed his newfound fame with face-to-face church services. Pointed out he would not take a covid-19 vaccine because that would be supporting abortion. Explained to his congregants that masks do not work. Extenuating Factors: Seriously, he does not seem evil or stupid. He is probably just trying to make a living. Sentence: Seeing his family for the last time on a telephone screen.
JEFF BEZOS, Amazon founder. Aggravating Factors: His fortune is based on the exploitation of low-wage, non-union workers, sort of like an old-fashioned coal baron. He is now opening preschools to further his grip on the world. Extenuating Factors: Honestly, we are sort of lost for words for this section. Sentence: May he live long enough to see the new world he has built.
JOE BIDEN, Former vice president, former senator, president-elect. Aggravating Factors: Seems to have gotten the nomination based on seniority. In 1992, proposed the “Biden Rule” preventing a vote on a Supreme Court nominee in an election year. In 2016, he opposed such a rule. In 2020, he supported it again. He was born in 1942 making him the last American president to have avoided service in Vietnam. Extenuating Factors: Has never lost a real election. Inductee to the Little League Hall of Excellence. He likes Corvettes and ice cream and is the best golfer among all American politicians. Sentence: Trying to clean up this mess, failing.
MELISSA CARONE, that woman who testified in Michigan. She lists her career as “Arts & crafts professional.” Aggravating Factors: She seems to actually talk like that. She uses “So anyways,” as an interjection. Too crazy for even Rudy Giuliani. Extenuating Factors: It is possible the lady is unhinged. If this is the case then we regret mentioning her here. Sentence: If there was any justice in the world “Melissa: would replace “Karen.”
DOUG COLLINS, congressman from Georgia. He is running for the US Senate. Aggravating Factors: “I left parts of my body behind fighting terrorists in Iraq.” He is a chaplain. In the reserves. The Air Force reserves. Opposes marijuana reform, the freedom to marry, the Violence Against Women Act and people in voting in general. Extenuating Factors: Have you heard him talk? He ought to be in the dictionary under logorrhea. Great fun. Breathe man, breathe. Sentence: Wins his election to the Senate. Listens to the whole nation laugh at him for six years.
TED CRUZ, US Senator from Texas. Aggravating Factors: A ballless wonder. The President said his wife is ugly. The President called him a pussy. The President said his dad helped kill JFK. Senator Cruz supports the President 94.7% of the time. “The simple and undeniable fact is the overwhelming majority of violent criminals are Democrats.” “The reason Democrats are soft on crime, is that convicted felons tend to vote Democratic.” Extenuating Factors: We like the beard. Sentence: Texas’ demographics.
LOUIS DEJOY, 75th Postmaster General of the United States Joining the Trump administration in June 2020 is like swimming out to join the Titanic. Aggravating Factors: He took the helm of the most-respected government agency and proceeded to attack it. He seems to have become rich off of post office contracts. Extenuating Factors: Not a one. Sentence: May he get everything he deserves.
JERRY FALWELL, JR., Not the shadow of his father. He told the students at his mega-university it was safe to come back to campus. He did this while he was riding out the virus on a yacht someplace warm. (cf. Steve Bannon) Aggravating Factors: Now I have an image of him in his underwear I will never be free of. Extenuating Factors: He is a very sharing sort of person. He shares his wife. Sentence: Having to explain himself at the Pearly Gates.
MICHAEL FLYNN, Russian spy. Aggravating Factors: Has taken a Q-Anon oath for some reason. Called for “limited martial law. Suspending the Constitution….” Extenuating Factors: His brother is also an Army general, but one who did not sell himself. Sentence: Suddenly realizing that there was no pardon for his son.
RUDY GIULIANI, Formerly “America’s Mayor.” Aggravating Factors: Came within a hair’s breadth of being secretary of state. Nobody’s fall has been further or more complete. A money-grubber reduced to asking for $20,000 a day for melting on television. Extenuating Factors: He seems to be embarrassing himself not because he is evil but because he wants a pardon. Sentence: Pity. Of all Fausts entrapped by our modern Mephistopheles, none is the more pitiful than Giuliani.
LINDSEY GRAHAM, Republican senator from South Carolina. Confirmed bachelor. Aggravating Factors: Double-crossed everyone in his life. He turned his back on his best friend, John McCain, when the President attacked him. He has called around asking his fellow Republicans to find a way to toss ballots. Was unable to accept the election results after the Electoral College met. Extenuating Factors: It is possible he is not evil as much as a coward. Sentence: Subject of a blockbuster rock opera detailing his fall.
WILLIAM FRANKLIN GRAHAM III, The leading Evangelical supporter of President Trump. Aggravating Factors: Nothing wrong with being named after a famous dad. There is a lot wrong with making your living because of a famous father. He feels certain Rick Santorum is a Christian. He is not so sure about Barak Obama. Supports President-for-life Putin because of his anti-gay laws. Is also a bigot against Muslims. And Hindus. Makes over $600,000 a year managing a charity. Extenuating Factors: The easiest explanation may be that he is being blackmailed. Sentence: Purgatory.
TIMOTHY GRENDELL, A bully Covid denier and a local judge in Ohio. Why, yes he is a Republican. Aggravating Factors: He has banned parents from testing their children for the virus for … reasons. He has enforced his orders with the threat of contempt citations. The leader of his party’s county organization described him as both "a chameleon who takes revenge on people who disagree with him" and "a narcissist and mentally ill." Extenuating Factors: Honestly, we have looked. We cannot find anything. Sentence: A contested election for a change.
STEVEN HOTZE, Talk radio person, mask denier, vote denier, mainstream Texas Republican. Aggravating Factors: Seems more concerned with anal sex than most of us, “They want to intimidate individuals, churches, schools and families to celebrate those that participate in anal sex. That's what they love and enjoy: anal sex. And that's bad, that's evil. It's a terrible thing to try to do and they want to try to teach it to kids in schools, […] Kids will be encouraged to practice sodomy in kindergarten." Speaking of demonstrations against police brutality, Dr Hotze thought the National Guard should keep the peace with "the order to shoot to kill if any of these son-of-a-bitch people start rioting like they have in Dallas, start tearing down businesses — shoot to kill the son of a bitches. That’s the only way you restore order. Kill 'em. Thank you." Extenuating Factors: He is a medical doctor. Sentence: A family intervention that comes too late.
RONNY JACKSON, Former personal physician to President Trump, now a new congressman from Texas. You might remember him as the guy who said President Trump might live for 200 years. Aggravating Factors: Passed over for two stars two times. Passed over for Veteran Affairs secretary. He was just what the people of Texas were looking for. “Every Deep State traitor deserves to be brought to justice for their heinous actions." "I think that wearing a mask is a personal choice, and I don't particularly want my government telling me that I have to wear a mask.” “I will vote on January 6th to CHALLENGE the Electoral College because the American people deserve a FREE and FAIR election! The FRAUD that DID take place on Election Day can’t be allowed to stand!” Extenuating Factors: He may have a problem with drinking if press reports are to be believed. Sentence: We are betting on a sexual harassment scandal. He seems the type.
ALEX JONES, is not on the list because he is unwell.
WAYNE LaPIERRE, Head of the National Rifle Association. Aggravating Factors: Has just about killed the horse he rode in on. He has abused his members, using their money for fancy vacations and sharp suits. He has lost many gun owners’ support by being insufficiently radical. His comments have also mostly cut off whatever support he once had among law enforcement. Extenuating Factors: As a practical matter, nobody has done more to make gun owners appear ridiculous Sentence: To never again be on this list as he drifts into irrelevance.
HENRY LEE, DNA evidence witness-for-hire. Star of a number of those Chilling True Crime Shows. Aggravating Factors: DNA evidence has proven certain proof when handled correctly. People like Lee have cast doubt on the process. Helped get OJ off. Tried to get Phil Spector off. Extenuating Factors: It would be wrong to say he has worked only to let the guilty walk. Press reports indicate he also made up stuff to lock up the innocent. Sentence: Framed for murder.
KATHRYN KIMBALL MIZELLE, Judge of the US District Court for the Middle District of Florida. Aggravating Factors: Appointed by the President and approved by the Senate after the election. Just eight years out of law school, thirty-three years old and rated as “unqualified” by the Bar Association. She has never tried a case nor served as a lead in a case. She is likely to be on the bench until 2055. Extenuating Factors: The ABA said Mizelle "has a very keen intellect, a strong work ethic and an impressive resume ... her integrity and demeanor are not in question." Sentence: Everyone thinks she got the job because of her husband.
ELON MUSK, It is very difficult to follow all his current projects. We get the impression it has something to do with electrically-powered pigs traveling through tunnels at high speeds to Mars by 2024. Or something, it is hard to keep straight. Aggravating Factors: Due to the pandemic, he cut workers’ pay by 10% from April to July. During this period, the share price rose. Musk’s net worth rose from $25B to $100B. Extenuating Factors: He may be the one that finally sparks the Revolution. Sentence: VIP seating in an electrically-powered ox-cart on the way to the guillotine.
MONICA PALMER,of the Wayne County (Michigan) Board of Canvassers. She serves with fellow Republican WILLIAM HARTMANN and two Democrats. Aggravating Factors: She moved to not count votes in Black Detroit, but to count votes in White suburbs. She is not concerned about legal votes. She is concerned about Black votes. Even the Republican National Committee denounced her. Extenuating Factors: Some reports claim she was pressured by a call from the President and she is just a girl. Sentence: Never being repaid for her loyalty.
DAN PATRICK, lieutenant governor of Texas. Aggravating Factors: Offered a million dollars for proof of election fraud. Refuses to pay. Does not like Fauci “He has been wrong every time on every issue.” Does not like city slickers, “Where do we have all our problems in America? Not in the states run by Republicans but in our cities that are mostly controlled by Democrat (sic) mayors and city councilmen and women.” “That’s where you see high taxes, that’s where you see street crime.” Extenuating Factors: Under his leadership Texas has turned the corner and now has enough refrigerated trucks for all the dead. Sentence: A positive test.
KEN PAXTON, Attorney General of Texas. Aggravating Factors: “I do not mind a parasite. I object to a cut-rate one.” Paxton is as crooked as a dog’s leg, but for penny-ante stakes. He steals pens from the courthouse. He corrupted his office for less than $100,000. Under investigation for shady dealing with a local real estate magnate, he has engaged in a shameless campaign for a presidential pardon. His effort centered on a silly law suit described as “seditious” by fellow Republicans. On every possible issue, he is on the wrong side of history with his base appeals to the “common clay of the American west.” Extenuating Factors: He is a self-made man. That is not too common nowadays. Sentence: Conviction on state charges.
ROBERT R REDFIELD, the remarkably ineffective director of the Center of Disease Control Aggravating Factors: You know how Anthony Fauci ticked off the President every single day? This is the other guy. It is noteworthy how little we have heard of this world-class agency during a world-wide emergency. Has a history of making up data to support his pet projects. His agency managed to bungle development of a Covid test. He resists Congressional oversight. He has the background to understand what havoc a pandemic would cause. He caused no trouble for a President that mishandled the emergency. He protected his cushy job. Extenuating Factors: Both a medical doctor and a retired US Army colonel. Sentence: The subject of a case study in textbooks on medical ethics.
RICHARD, JONATHAN, MORTIMER , KATHE, DAVIF, BEVERLY and THERESA SACKLER, You have to be impressed with a family whose money is too dirty for the British Museum. Aggravating Factors: They got away with it. Extenuating Factors: Cultural institutions that took their filthy money have rescinded the naming rights, making them available to the next crime family to come along. Sentence: Simple and impartial enforcement of the law without fear or favor.
JOE SCARBOROUGH, Former Congressman from Florida. Television host, which is modern era is a promotion. Also, a former Congressman from Florida. Aggravating Factors: On the morning of Election Day the Morning Zoo predicted a blue wave. One possibility was an early knockout blow in Arizona. “Keep your eye on Texas.” The next morning, not a peep of self-examination. Extenuating Factors: He was a congressman from Florida, we wanted to mention that. “That’s right Joe” is a highly intoxicating midmorning drinking game. Sentence: His wife does to him what mine does to me when I interrupt her.
PETE TOBIN, United States Marshal in Columbus, Ohio. Aggravating Factors: When a policeman shot a citizen in the back several times, his agency was called in to investigate. He told the press that there had been reports that the fellow had been brandishing a gun. He also claimed that witnesses heard the policeman repeatedly tell the man to drop the gun. Neither statement was true. He also explained that “My prediction is that it was a justified shooting.” Extenuating Factors: Maybe he did not realize the impact his statements would have in a region already rocked by a number of police shootings. Sentence: Never being believed in sworn testimony again.
DONALD J TRUMP, the Greatest Karen of Them All. He is not our Boris Johnson. He is our Boris Yeltsin. Aggravating Factors: The central thing is the waste of his opportunity. He could have done something to help the world. His own flaws prevented him from grasping the great power afforded to him. Hopelessly confused. He honestly feels that he has been treated unfairly. Extenuating Factors: Hasn’t started a war, and that’s important. Sentence: Dorma Desmond in an old mansion opening fan mail sent years ago.
IVANKA TRUMP, The smart and dangerous one. Laurette; Fashion Award for Excellence in Accessory Design (2016) Aggravating Factors: Cuts deals with the Iranian Revolutionary Guard Corps. Making sure her children learn Chinese. Extenuating Factors: “Just a girl,” she is on this list not so much because she herself is alarming, but because of the alarming men in her life. Sentence: Jail.
MELANIA KNVAS TRUMP, First Lady of the United States. Formerly considered a victim, increasingly seen as a conspirator. Aggravating Factors: Abused the visa system to come to the United States. Used chain migration to bring in the rest of her family. Her legal filings indicate she views her positions as a means to enrichment. You may read “her positions” any way you like. Is concerned with her legacy. Extenuating Factors: Taught her son to speak Slovene. No longer works nude. Sentence: Ages gracefully as her plastic surgery does not.
TOMMY TUBERVILLE, “Call me ‘Coach.’” United States senator from Alabama. Formerly a high-average football coach. Aggravating Factors: Made his living exploiting unpaid football players recruited by his predecessors. When one of his players raped a child, Coach slapped him with a one-game suspension. Does not believe in climate change, abortion rights, or brain injuries caused by his sport. Does believe we fought communism in World War II and that “God sent us Donald Trump.” Extenuating Factors: He had a great run at Auburn. More than ten years ago. He kept Jeff Sessions out of public life. Sentence: Probably another financial scandal of some sort we suppose.
ALLEN WEST, Leader of the Republican Party in Texas. Aggravating Factors: Allowed to retire from the army to avoid court-martial when he seemed a little too excitable to be in a war. Served two terms as a congressman but he seemed too unstable for Florida. (Cf, Joe Scarborough) Called for Texas to secede from the Union. Supporter of the Confederate flag. Member of a paramilitary group. Naturally, he thinks reelection was stolen from President Trump. Extenuating Factors: In the fullness of time, not invited to his grandchildren’s weddings.
YOU, Aggravating Factors: You scoff at news stories of people having a large wedding but somehow you justified having people over for Thanksgiving. You have had an entire year away from most distractions with time to really think and pursue excellence. You still do not make your own bed. You believe everything you read in the papers and see on TV and somehow think that makes you smarter than other people. During a very dramatic moment in American history you were unwilling to put up a yard sign. Extenuating Factors: A product of your time and place, you drift on the torrent of history like a chip of wood. Sentence: You think this will all work out OK. It may not.
submitted by Nemacolin to lists [link] [comments]

GME and why do we matter

I fling poop and drag my knuckles on the floor. I am not a financial advisor. Do your own due diligence. This is for entertainment purposes only.
Lately, I've felt like we don't have a voice and don't matter but I want to remind all us apes that we are retarded together. We will win TOGETHER and we will HOLD together. Could be days, weeks, or months. Longer than any of our attention spans. So they will use TIME against us. BUT time is on our side.
This is psychological warfare against us to make us DOUBT ourselves and what we WILL accomplish. We will remain retarded longer then they can remain solvent. They bleed interest each day. A stock's value is based upon what we place on it. See TSLA for reference. WE LIKE THE FUCKING STOCK. If my stock is worth 5k to me, I WILL HOLD for 5 fucking K. WHO are you to tell us how to perceive VALUE? OHHHHH, you're an expert who got caught with your dick in the cookie jar (thx louis rossman). SHORTING 130-140% of a stock. These hedgies aren't infallible. Just well connected and well resourced. As long as we own shares that they NEED, we have time on our side. Even though it will not feel like it.
Obligatory, don't invest what you can't lose.
We cannot let the hedgies deter us. Now that GME is the dinner conversation topic of the world, everyone and their moms have an opinion. We will be told we don't matter. We don't know what we are doing(probably true. I got into stocks 2 weeks ago). We should have sold at the peak. We should have bought lower. We shouldn't have gambled. What people are forgetting is what WE are trying, is to do better, and be better. Why kick a guy down when he wants a better fucking life. FUCK YOU.
LOOK AT THE PPL SPENDING THEIR TENDIES TO GIVE BACK. It's our $, let us do what we want with it. If a hedgie can irresponsibly short a stock over 100%, why can't we take a CALCULATED risk? BUUUT funDamentAls. Gamestop is a dying company. The former business model of GME is dying. As most physical businesses are. See 24 hour fitness. (I've never been inside a gym but I read stuff online) But GME is pivoting. PAPA COWEN and the new board members are pivoting to e-commerce. He's assembling the fucking avengers to the END GAME but this is just getting started. GME is transforming just like Netflix when it went from DVDs to online streaming. We are the ugly duckling that gets super sexy after growing pains.
How about this for fuuunDamentAls. Hedge funds being allowed to short a stock over 100% and nobody comments on how that happened. Why it happened. And how SHORTING has INFINITE room to lose. Keep in mind, they are sophisticated gamblers with other people's money and 401ks. BUT according to their calculation it's little to no risk. Because they can throw more $ at the problem and manipulate the market, they can fix it! If they can't, they want to cry to the media, get the public opinion on their side, and ask for MORE GOVERNMENT REGULATION. Why would a greedy $ machine ask for more oversight? OH, that's because the SEC is your lapdog and the government will bail you out with tax payer dollars. SEE 2008 FINANCIAL CRISIS. Yet, we are not allowed to exploit the law of supply and demand. If the demand exceeds 100% of the supply, the inherit value ROCKETS. See RTX cards and AMD chips. FUCK SCALPERS for good measure :)
I want to remind every single one of you, we do matter. We have NUMBERS on our side. As a collective we've already made shorting a topic of conversation at the political level. This may not be a monetary victory but it hopefully is a step in the right direction to a more equal game. That or hold your politicians accountable. You are their constituents.
We play out in the open. We share publicly available information and make decisions base. Really, it's just autistic people posting the exact confirmation biases that we needed to see. It prints $$$$ BRRrrrrr.
Let's recap how the odds are stacked against us.
-We are too stupid to be allowed to spend our money. We need government intervention to "protect us". The little guys, the plebes, the unsophisticated, etc.. Yet they can't decide on how/when to get a stimmy check to us. THEY REALLY REALLY CARE (when hedge funds lose money). We some how took wallstreet down with $600. If the stock market was that fragile, we have BIGGER issues.
-Momentum was killed last week by brokers being held to new collateral requirements by clearing houses. Thus restricting stock purchasing with CASH for specific securities for RETAIL investors. This is how Phil Jackson uses timeouts to kill momentum for the other team when they're running HOT. BUT Hedge Funds were still allowed to trade. We were allowed to sell but NOT buy. How would NBA games look like if only one team played while the other team sat on the bench during a timeout? Fair? Keep in mind, these brokers were INFORMED pre-market and didn't have any press conferences until after market close for damage control. Guess who also informed besides the brokers, YOUUUU SMAAHT, the hedgies. Seems legit.
-News outlet and controlling the narrative. How many analysts, journalist, and their rich daddies overlords are framing this as WSB pumping and dumping a meme stock. WE JUST LIKE THE FUCKING STOCK. What about the narrative that WSB saved some business that we would like to keep around post-covid. FFS you want to take away the movies and games? What do you want us to do for fun? You deplorable sacks of shit who get no enjoyment out of life other than sucking the souls and money out of people. You live to see more zeros in your account and there is a special place in hell for you.
-SEC holding a meeting tonight investigating market manipulation through social media but no investigative statement on how clearing houses can magically conjure a rule that halts trading for retail investors. Robinhood is not the bad guy. Many trading platforms restricted trading. RH is the household name that is the scapegoat. Get the fucking clearing house on the line and ask why they increased collateral from 1-2% to 100 fucking percent on these specific stocks. OHhhh, they're not regulated but they want to invoke the SEC to regulate the retail investors.... NICE.
-How shorts magically covered their positions but DO NOT have to report their positions until weeks later. Lack of immediate transparency gives them ample time to reposition and multiple options to cover their asses while blaming us.
Anyways, I could keep bitching but I just wanted to vent and rally us together. We took a mad beating. I just wanted to let you beautiful online strangers that you aren't alone. GME has transcended and has evolved into a movement.
What does GME mean to me? A down-payment to a home for my family and I. My wife and I are expecting our first kid. I'm risking something I can lose... for a better future.
What does GME mean to you?
TLDR; We fucking matter. We are going to be the catalyst of change. HOLD SHARES. Don't risk what you can't lose. APE Strong. 🦍💪💎👐 🚀🚀🚀🚀🚀🚀
submitted by bluevacuum to wallstreetbets [link] [comments]

A Week of Eating & Drinking in GDL, Mexico

Number of People in Household: 2, me and S
Pets: 7 dogs, ma babies, one’s allergic to chicken.
Average Monthly Grocery Budget: $250 *US dollars (Around 5k pesos) Does not include eating out or alcohol, does include pet food.
Dietary Restrictions: None, although we try to avoid meat, as I’m allergic (just get super constipated if I eat a lot)
Occupation: me – IT, S – Investment banking back office
Location: Guadalajara, Mexico
Stores I typically shop at: Walmart, Costco, Sam’s, local stores, the butcher also sells veggies, fruits and grains so pretty much anything fresh comes from that store, Oxxo
We have been working from home since March 2020, we have a 2 bedroom house so one of the bedrooms is now our office, we’ll share our breakfasts in the desk we share in our office every day. We used to work at the same place back in 2019, and we had every meal together since 2016 we like to share plates/food a lot. We are actually very happy to be at home and to be able to work together again and be with our dogs.
DAY ONE, Monday:
9:30 am - S starts his shift at 7am, and I at 8 am. Mornings are crazy, lots of meetings going on. Finally have time to feed the doggos. All of them eat the same kibble, except one, that’s allergic to chicken (Hestia), she gets the fancy (expensive) salmon kibble. 3 of them will need their plates filled with water as they seem to have issues eating dry kibble, including Hestia. Kibble soup anyone? Hestia didn’t eat a thing, for the second day in a row, we’ll see how it goes, probably will need to go to the vet at some point this week. She’s been a complicated dog since birth, but I love her.
10:30 am – Coffee for both S and me. Instant coffee with cream and sugar for me, cream only for S. Not a good coffee, but we have tons of it. S’s office didn’t allow them to have a coffee machine, so they used instant coffee and they used to buy this big can for all the team to share. Since they are working from home the coffee can was left practically untouched at the office. A few weeks ago, they called S to have him retrieve his office stuff, mugs, pictures and such, since it seems they are closing that location and he took the coffee can (nobody else in the team wanted it). And now we are slowly working our way through 2 kg of bad coffee.
11:00 am - Breakfast, once S had a chance to leave the computer. Pita bread quesadilla, a classic from my family (part arab), S just loves them. Originally 1 with adobera cheese for me, two with turkey ham, hummus and jocoque seco preparado (similar to labneh) for S, but I ended up eating half of one of S’s fancy quesadillas. S is in charge of the kitchen. He enjoys it and he’s a very good cook. I can follow a recipe but hate cooking. I take other responsibilities around here like cleaning the bathrooms and the backyard (with 7 dogs that means lots of poops!).
11:30 am - More coffee! Again, cream and sugar for me, cream only for S.
5:00pm - Time to feed the babies again. This time all of them ate normally, hopefully that means Hestia is feeling better.
6:15 pm – Dinner time! Today we had leftovers, we had one stuffed portobello mushroom from yesterday and a bowl of miso soup from last week. The portobello was stuffed with adobera cheese, a little bit bacon and tomato sauce with veggies (zucchini, sweet corn, onions). Miso soup had potatoes, garlic, mushrooms and chili. Since it’s not enough for 2 people, S put some onion rings on the oven, 9 pieces for me, and 9 for S. We shared the bowl of miso and the portobello and had a couple of beers each.
9:00 pm – S and P (a friend) play Death by daylight almost every day at this time, sometimes I’ll pay attention to their game and chat, they invite me to their party every time so we can all hear each other. Sometimes I ignore them and scroll through reddit. Either way this is usually accompanied by snacks. Today I had a bowl of cereal (Trix) and S a couple baklava, we buy a big package every year in Costco, and a small matcha KitKat that my sister gave me for Christmas, I hate them, the intention was good, but don’t like matcha flavor at all.
DAY TWO, Tuesday:
8:00 am – Hectic morning for me, lots of meetings. S fed the doggos and made coffee for both of us. Hestia didn’t want to eat, again. We will be going to the vet today after work; she seems in pain all over. She has arthritis, so cold weather is bad for her, also seems like she’s having stomach issues and she’s scratching like crazy, which means she definitely ate some poop and her allergies are flaring up. She will never learn…
10:00 am – Just ended my last meeting and S brought our breakfast to the office, today we are having tacos. A taco is whatever in a tortilla, that’s all that’s required. S stir-fried some potatoes, onions, mushrooms, serrano pepper and a little bacon and heated some corn tortillas. 3 tortillas for each. He used just one serrano pepper and it was very spicy! Enough to make our noses watery, probably more spacy than a breakfast should be jaja, but those peppers are unpredictable, sometimes you’ll add 9 to a salsa and it’s “spicy” and sometimes you use ONE chili and it’s SPICY AF!
There were some leftovers, so S is already thinking about adding a couple eggs tomorrow and having that for breakfast.
11:00 am – Second coffee for both of us.
4:00pm – Had to request an early leave, since we live outside the city and I needed to go to the vet I wanted to go out as early as possible, so I don’t get stuck on traffic. S stayed home so he can make dinner do some cleaning around the house and feed the rest of the hairy creatures. Since me and Hestia are out, he gave some wet dog food we have on the freezer to ma babies. Since this wet dog food has chicken, we can’t give it to Hestia and she’ll refuse to eat kibble while the rest have a feast, so we usually give her a hotdog.
6:00pm – Back from the vet. Hestia is ok, but she had a shot for her allergies and must take some medicine for her tummy. Hopefully is just that, she ate normally after returning. We’ll keep an eye on her as she’s an older dog, so the vet recommended blood tests if she still refused to eat after the shot.
6:45pm – Dinner time. Today we ate chickpea soup. He had the chickpeas on water all morning and cooked them on the pressure cooker. After that it’s just adding dried chili, sesame oil, chopped onions and garlic. I’ve been asking for this soup since last week, it’s spicy and warm and just perfect for the cold weather. We accompanied the soup with a few tortilla strips to add some crunch, I had just a handful, but S loves the tortillas strips, so he added an extra portion to his plate. We drank just plain water with this meal.
9:10pm – No DBD tonight, we just cuddled on bed while we listened to creepy stories on YouTube. S has a sweet tooth, so eventually he got up and went to the kitchen to find something to eat. I was too cold to move and wasn’t hungry, so I stayed on bed. S came back with a cup of milk and a package of Meji’s Hello Panda chocolate cookies, also part of the assorted sweets my sister included on my Christmas gift. I’m very picky with my sweets, to be honest I don’t like just any chocolate, any cake, or any cookie so I had a couple cookies just to try them out and some sips of milk and left the rest for S to enjoy.
DAY THREE, Wednesday:
9:00am – S feed the doggos. I’m, as usual, going crazy with morning meetings. S made coffee for both of us and is preparing breakfast.
10:00 am – Finally free from calls! Today S made pita bread quesadillas again. Mine with adobera cheese and turkey ham (that’s what we would call a sincronizada, pretty much a quesadilla with ham). S’s quesadilla had adobera, ham, hummus and jocoque, a handful of baby carrots and some hummus and jocoque to deep them in. S also ate yesterday’s breakfast leftovers (stir-fried potatoes and mushrooms) but it was just a couple spoons maybe enough to fill in one of the quesadillas.
We had our second coffee and S refilled our water bottles as I don’t drink enough water… a never-ending struggle of mine.
5:00 pm – The hairy beasts have eaten, Hestia has eaten just fine, seems like the medicine is working. We went to the convenience store Oxxo, just like a 7eleven, but Mexican, they are EVERYWERE, to buy cigarettes for me (I know it’s bad… leave me alone) and also, I wanted to buy a snack for later today. We ended up buying two cokes and a package of cookies for me. When we came back we did some cleaning around the house and the Doggos got a couple chicken free treats.
6:10pm – Time to eat. Chickpea soup from yesterday with a handful of tortilla strips for me and a little extra for S. Today we are having a Mexican coke in it’s glass bottle to wash it down, I’m partially addict to coke, so I try not to buy too often. We bought two bottles, but we’ll share one today, and the other one will stay in the fridge until tomorrow. Those bottles are reusable, so you must save them and bring them back whenever you want to buy another one, even though they are common, you can’t get these cokes everywhere, we are lucky to have an Oxxo near us that does sells them, they are cheaper, $12 pesos, around $.50 US cents, and they are more ecological than the plastic version.
9:30 pm – DBD rank reset was today, we are all exited, and the games have been interesting. S made himself a drink, mineral water with salt, lemon and tequila, it was a big class (1lt). At some point S goes downstairs and comes back with a cup of milk and my cookies (that we will share). These are some of the few cookies I actually like, Tia Rosa’s blackberry Tartinas. I only ate two of them because they are very, very sweet and I get overwhelmed easily. I took a few sips of milk and contemplated the idea of going downstairs to get a handful of chips or maybe microwave some popcorn to get rid of the sweet flavor, but eventually gave up on the idea, thanks cold! you are keeping me thin(ish)! S ate his 3 cookies and kept paying, I eventually fell asleep, as usual.
DAY FOUR, Thursday:
8:00am – Early start today. Backstory: At the end of 2019 I realized my new job included some weird perks, like a free yoga lesson every Thursday at the office. I’ve always wanted to try yoga, so I started going and I loved it. It helped me to stay in the same weight, that even though is more than it should, it’s not that much, and it keeps me flexible. Around January 2020 S stated to join me at home, we would do 30 min – 1 hr a day of yoga together every day after work. S also run every day for at least half an hour, by this point he could easily run 15km a day
When the pandemic started, and we started to work from home, we took our lunch hours at 9am so we could do some yoga together, that way we managed to stay in the same weight since the beginning of the pandemic. We kept doing at least 3 days of yoga a week during most of 2020. S stopped running around march as we lived in a high-risk area and people just do not use facemasks.
Around mid-November I got my first tattoo ever; a relatively big piece and they cover it with a medical grade plastic thing to have it heal. That meant that sweating would made the plastic fall, and I had to keep it on for 15 days, so I stopped the yoga. After that it just snowballed with all the December festivities and we stopped all together. But we’ve noticed more prominent bellies and we decided we need to go back to yoga. We agreed to wake up at 6:30am so we can do some yoga before working, and at lest today, it was a success.
Came 8 am we already finished, and we are having our first cup of coffee of the day. S fed tha babies and stayed downstairs making breakfast. I had to run to my morning meetings.
9:00 am – Today S made a sandwich with turkey ham, American cheese, gouda, spinach and Dijon mustard. We had ½ of a sandwich each so we could have another piece of bread with cream cheese and strawberry marmalade, this way we’ll eat two pieces of bread each instead of 3, I really wanted both the sandwich and the cream cheese/marmalade. S refilled our coffees.
1:15 pm – S went to the kitchen and came back with more coffee and half a pita bread with hummus for himself. I’m just drinking water.
5:00 pm - I usually take my “lunch hour” from 4pm to 5pm, but instead of actually having lunch, we go out to walk with the hairy beasts. We don’t go out with all 7 of them at the same time, we walk them in groups of 2 and 3. Once we came back from our walk S fed them and since we were hungry we took a hand full of Bokado’s Chicharron, which is deep fried pig skin. I know, it sounds horrible, but as a picky meat eater I can tell you is not that bad, mostly cause those store brand packages are puffed cornmeal batter instead of actual pig skin. S is making dinner while I assist by providing entertainment (we like to read reddit, mostly relationships advise, am I the asshole, and discuss what would we do/feel)
7:10 pm – Dinner is ready, today we had to get rid of old veggies, so S made a creamy broccoli & carrot soup and stir-fried green beans. Since it’s not that much, he made onion rings, 8 pieces each. We shared our last can of leftover beer from the previous weekend and the other bottle of coke. As a dessert we had leftover berries with leftover homemade whipped cream (S doing of course).
In most cities in Mexico you can find people selling all kind of crap on at stop lights, mostly on big avenues. Since a couple years back, in our city you can go to some specific stop lights and buy berries. They will sell 4 1lt plastic cups filled with strawberries, raspberries, blackberries and sometimes grapes or peaches or some other fruit depending on the season for $5-8 dollars ($100-150 pesos). So whenever we go by one of these avenues and have cash at hand we’ll buy a package and freeze some of them to use them as snack, as dessert, or for smoothies.
9:30 pm – DBD, as usual, I’ve been craving some popcorn. S ran to the kitchen in between games to make some microwave popcorn and grabbed some more chicharron. We shared the bag of popcorn, and by that, I mean I ate most of it. Love popcorn. S ate the chicharron by himself cause I don’t like it that much, and I had popcorn, and because he added Velentina sauce), which I hate because it’s not even spicy, just has a lot of vinegar and that’s all I can smell. But then again I dislike all those bottled salsas, Vlentina, Tabasco, Tapatio (for people in the US, we can’t find it here very easily), unlike pretty much every other mexican jaja, even tho I do like homemade salsas and spicy/hot food.
S made himself 1lt of mineral water, tamarind vodka, lemon and salt, I had the rest of the tamarind vodka on a shot, I sipped my way through it while eating popcorn. I highly recommend you try this vodka… especially good for piñas coladas.
10:30 pm – S brought a couple baklava that he pretty much ate by himself, I’m too sleepy to eat.
DAY FIVE, Friday:
7:00 am – Up for Yoga, babies were fed, Hestia seems to be eating without any issues now.
8:30 am – I’m in my usual morning chaos when S brings breakfast. Today I’m having Greek yogurt with honey, raw oats and amaranth, and the usual instant coffee. S is having yogurt as mentioned above, 1 ½ pita bread with hummus to dip and a hot dog (without the bun).
Since it was my mom’s birthday on Tuesday we are going to their house for dinner. They are ordering to go in a restaurant, and we’ll eat at their house.
5:00 pm – We are almost ready to go, just fed the babies.
7:00 pm – Take out from Outback Steakhouse. I ordered “Chicken Fried Chicken”, which is fried chicken (duhh) with gravy, side dishes included are sweet corn with butter and mashed potatoes. S had “Alice Spring Chicken” which is grilled chicken with cheese, mushrooms and bacon; his included side dish was French fries. Additionally, we ordered a potato soup (garnished with cheese, bacon bits and chives) and a “California Salad” which is assorted lettuces, purple cabbage, spinach, green apples, walnuts, bacon bits, tomatoes, fetta cheese, and grilled chicken with honey-vinegar dressing. Both the soup and the salad were to share (S and me). S had a beer and a glass of coke during our stay with my parents and I had a “Charro negro” (tequila+coke) and later on just coke, as I was driving. No dessert, we are all full.
I didn’t eat my hole dish, I ate only half my corn, half my chicken and pretty much just tasted the mashed potatoes. I took it all to go, and we are planning on sharing it tomorrow.
I didn’t check exactly what everyone else had, but I remember everyone ordering BBQ ribs, but my grandpa, who ordered salmon.
11:00pm –We stopped at the liquor store before coming back cause I wanted more tamarind vodka and S wanted some beers, but they didn’t had the specific brand of beer we wanted (Victoria) so we just bought the vodka.
Once at home I poured myself a shot, and S made himself his usual 1tl of mineral water with lemon, salt and vodka. I watched S play for some time and fell asleep at some point.
DAY SIX, Saturday:
10:50 am – Late start today. I’ve been awake since around 8 am, but I refused to move, S slept late since he kept playing so he’s stayed in bed until later than usual. The fury creatures were restless, but they know (or I think the suspect) it’s a weekend and they just climbed into the bed with me for snuggles and stayed calm until S started moving.
Finally S woke up and got down to make breakfast while I feed ma’ behbehs. Today, 3 quesadillas (with corn tortillas and adobera) for each, and stir-fried potatoes, mushrooms and serrano peppers to stuff them, + salsa! To drink, a coffee each and a shared glass of cranberry juice.
6:00 pm (ish) – We re-heated my chicken, mashed potatoes and corn and added some leftover carrot & broccoli soup so it would be enough for both of us. We each had a bowl of soup but shared the plate with the chicken. I would never date someone that doesn’t like to share their meal. Sharing is caring!! (for me) and sometimes, most of the time, don’t ask, just go for it and grab a fry or a bite. Will never eat the last piece of anything nor eat most of your food tho! and my plate is always open for people to grab anything (except the last piece).
We fed the doggos around this time but I don’t remember the exact time… oops!
8:40 pm – We were watching Amazon Prime, S made himself a drink (the one you already know) and poured me a shot of vodka. He also made some chambray potatoes with salsa to nibble. They were spicy and sour, the salsa was pretty much serrano peppers, lemon, salt and pepper. The potatoes were boiled first and then sauteed. Second shot of vodka for me!
11:00pm – S wanted to make some cookies… We bought some Pillsbury cookie dough from Chedraui Select, a store that has many imports. This is the first time we saw cookie dough! So we had to try them. 15 minutes later, we had 10 beautiful cookies. S poured a glass of milk and we ate 4 cookies each and left 2 for tomorrow.
DAY SEVEN, Sunday:
11:20 am – The beasts are fed. S made 2 pieces of French toast with cinnamon and maple sirup for me and he had 2 pieces of bread with cream cheese and raspberry marmalade. He also grilled two hotdogs, one for me and one for himself, we had coffee to drink.
6:00pm – S made fettuccini alfredo for dinner today. Just the pasta with the sauce and water to drink. We had the 2 leftover cookies as dessert. Babies, as usual, ate around this time too.
9:00 pm – S made himself his vodka and mineral water and picked the rest of the potatoes to nibble while paying DBD. Today I decided to watch a documentary instead of joining their game and made myself a Chai tea (I was SO cold and wanted something to warm me up). I felt asleep at some point and moved to the bed later when S came to retrieve me jaja.
Reflection: I thought we ate waaay more than what we actually eat. Our portions are not as big and I notice it mostly when eating with more people, also, we tend to eat only two meals a day. I dislike most sweets; I didn’t notice how often I try cookies or chocolates and just to leave S to eat pretty much all of it. Also, I love sharing plates!!
Lastly, I don’t understand what people eat for breakfast. Tacos are life, but quesadillas are as important!
submitted by Miztykal to FoodDiaries [link] [comments]

I am 25 years old, make $122,000, live in New York, NY and work as a product manager.

Section 0: Background
Hi everyone! I’m trying to tailor this a bit more to reflect the UK Money Diary style where I give context on the week before and reflect on it after. I also added in some of the questions from the recent thread about what Refinery29 should ask diarists (see here).
I wrote this the week of Thanksgiving; my partner and I stayed in NYC instead of going home to either of our parents’ homes. We wear masks and stay socially distant when we leave the house. I’m thankful that we live close to a park and live on a block where we know and enjoy talking to our neighbors.
This was a relatively normal week for us during a pandemic, save for me spending a bit more than normal and it being Thanksgiving. We’ve both lived in the city since college and have so-so relationships with our families, so we didn’t leave for “home” when the pandemic hit.
I also just named my boyfriend instead of giving him an initial. He’s the only person I actually saw this week, but the initials always throw me off when I read these.
What do money and success mean to you? What are your end goals?
It helps me to see money as a tool. I never resonate with people who say “money doesn’t buy happiness” because to a certain degree, it does. Money enables me to live the life I want.
I’m pursuing FIRE (financial independence, retire early) and hope to be financially independent (able to live off my investments) by my early 30s. To do so, I save 60%+ of my income per month. I want this because working for 40 years isn’t sustainable for me—I have a very cushy tech job and still get anxiety and rage about waking up every morning to work, the rat race, and being paid inequitably to male peers. I’d like to give myself the option to leave this world as soon as possible.
As an alternative, I could see myself successful if I open a product consultancy, where I advise early-stage startups on product management, what to build for their MVP, and product-market fit. I’m really interested in tech ethics and the questionable practices in venture capital, so I’d love to be in a place where I could be picky about what clients I take and help truly mission-driven businesses thrive. I could see this also working as a small business incubator—why not apply what works in startups to small businesses?
I don’t yet have a firm picture of what I’d like my life to look like when I retire. I’m interested in spending a lot of time reading, traveling to new places for extended periods of time, and potentially writing a book. I get extremely interested in niche topics. Right now if I had to guess, I’d be writing a book about the ways multi-level marketing companies (MLMs) manipulate women.
Are you a spender or a saver?
Definitely a saver. My partner is more of a spender, and we’ve influenced each other well. Seeing him spend money on himself for video games helps me realize I can spend more money on myself for things I just want (see my big purchase for myself this week).
In turn, seeing me save a lot of money has motivated him to up his 401k contribution and overall savings. He’s also interested in FIRE, although I’d say my timeline is more aggressive.
If you could go back in time, what's the one piece of financial advice you would give to your past self?
Learn about investing, look up the terms you don’t know, and start doing it as soon as possible. Ask questions to people you know or on the internet.
On to the diary!
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Section One: Assets and Debt
Investment Balance
$131,175
Equity if you're a homeowner
N/A, I rent in a HCOL city. No plans to own anytime soon
Savings account balance
$10,270
Checking account balance
$3,433 in checking account for bills
$2,518 in checking account for rent
Credit card debt
N/A. There’s $1,348 currently on my credit cards, but I pay them all off in full each month. My parents signed me up for a credit card as soon as I was old enough and taught me about how important it was to pay in full. In fact, I think this was so hammered into my brain that doing anything other than that each month was never an option. Because of this, I’ve always thought of credit cards as similar to debit cards—only spend money you have.
Student loan debt (for what degree)
I was fortunate to go to college on a full scholarship, including living expenses. I studied psychology and sociology, and I graduated without any student loan debt.
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Section Two: Income
Main Job Monthly Take Home: $6,570/month
I maxed out my 401k early this year, so for 8 months I was contributing $2,500/month out of my paychecks. That ended in September, so it changed my monthly take-home from about $4,650 to $6,570/month.
Deductions:
Income Progression
I don’t have any other sources of income outside my main job. My partner makes a similar amount to me—about $117,000/year with bonus.
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Section Three: Expenses
I live with my partner and we don’t have combined finances, but split many expenses 50/50. We use Splitwise to log transactions. He’s more laid-back about being paid back, but I’m much more “I don’t want to owe anyone anything, and I don’t want anyone to owe me anything” (I know, rigid, but I’m working on it!).
Splitwise is nice because it’d be ridiculous to Venmo request each other for a $4 coffee, but we can see how expenses are adding up. If someone has racked up a few hundred dollars of spending for both of us, the other person will cover our expenses for awhile. It works for us!
Rent
$2,200 for a 2 bed, 1 bath apartment in Brooklyn. We split rent 50/50.
Renters insurance
About $7/month for my portion. This covers all our possessions plus my boyfriend’s watches. He pays 75% of it because half of the monthly cost comes from the extra watch overage.
Savings contribution
I try to have about $10,000 sitting in my savings account at any given time, because it makes me feel safe in case of an emergency. I also like the freedom it enables, in case I wanted to leave my job and take a significant amount of time off. This is already at the $10k I want, so I don’t contribute to it monthly.
Investment contribution
It varies but on average I contribute $2,500/month to my brokerage account and Roth IRA (combined).
Donations
I try to donate about $200/month, but it’s pretty sporadic. This month I donated to the Yellowhammer Fund and Northwest Abortion Access Fund. One of my major goals for 2021 is to step up my donations and create an actual strategy around them, potentially involving a donor-advised fund.
Gas/electric
Our gas is $20-25/month and electric is $50/month. I pay gas and Will pays electric, both go in Splitwise. About $37/month total for me.
Wifi
Our wifi is $60/month, which goes into Splitwise—I pay $30/month.
Cellphone
I’m still on my parents’ phone plan—sheesh! This is convincing me that I should Venmo them for it each month.
Subscriptions
I pay for Hulu with ads, $5.99/month. My boyfriend pays for Netflix and we share a Spotify family plan with a couple of his friends, which I chip in $4/month for.
I also pay for the budgeting software YNAB (You Need a Budget) which is $84/year. I only pay it once a year in September.
Medical
I recently had to go to the emergency room for an overnight stay and follow up with some specialists. (I’m okay!) Because of that whole shindig I’m expecting to max out my deductible (and potentially my out-of-pocket-max) right at the end of the year. This will be about $4,000, but none of the claims have come through yet so I’m not sure of the exact total. I have a category in my budget for my deductible, and the rest will come out of my emergency fund.
Physical therapy
This month I’m starting pelvic floor physical therapy for dyspareunia (pain with intercourse).
I’d tried everything the internet suggested (“just relaaaaaax”) before getting the courage to find a new ob-gyn and ask her about it. She had some recommendations, but ultimately physical therapy was the “last resort” option that I’m now exploring.
My new physical therapist comes highly recommended but is out of network with insurance. Each session is $250, and I’ll go once every 2-3 weeks for the next few months as part of treatment. If you’ve worked through this problem (or are experiencing it now!) I’d love to hear your experience.
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Section Four: Additional Questions
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. My dad was the first in his family to attend college and my parents made pretty calculated decisions about where they would live so I could go to the absolute best public school possible. Over 90% of students at my high school attend a 4-year college, and we start talking about it freshman year. To say college was encouraged in my environment is an understatement.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My dad has worked in finance since I was about 10. He’s always been really knowledgeable about both higher-level economic concepts and the minutiae of personal finance. My family is frugal, too: we clipped coupons and got clothes on super-sale at Kohl’s and Goodwill. I know there was a period of time when he became self-employed and money got very tight for a few years, but the bulk of those worries were largely kept from me.
Did you worry about money growing up?
Yes. While we were comfortable, we lived in such an affluent place that our family was in “the middle class” of the town and it made me worry more about money than I probably needed to. Think The Stepford Wives for context.
At what age did you become financially responsible for yourself and do you have a financial safety net?
In college, I became maybe 80% financially independent as I had a scholarship and worked part-time during school and over the summer, but I was still on their insurance.
I remember being frustrated in college because even though I knew I was extremely privileged, my friends in college had their parents pay their summer apartment rent and gave them an “allowance” of spending money, and I was “limited” by the options I could afford with the job I had. My dad told me at the time, “This is frustrating but it’s preparing you for actually having to live off the money you make in the near future.” (Great, great advice Dad.)
I’m technically still financially dependent on my parents for my cell phone bill, but otherwise I pay for everything: rent, insurance, utilities, food, therapy, and all wants in the form of clothing, workout classes, etc. I could ask my parents for money if I absolutely needed to, but would use it as a last resort.
Do you or have you ever received passive or inherited income? If yes, please explain.
I have an account (mentioned above) that a family friend who’s a hedge fund manager, well, manages. I believe the initial deposit was $1000 over 10 years ago, but that money wasn’t mine either, it’s all a gift. It’s not very liquid—it’d take me several months (and some very good reasoning) to get any of that money withdrawn, since it’s supposed to be for “the future” (which I guess I could argue is now?).
I might receive a small amount of money when my grandmother passes, but it’d probably be around $1-2k, if at all.
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Day 1 Wednesday, November 25, 2020
8:30am Wake up and shower, take my vitamin C gummies, then make coffee. I wasn’t much of a daily coffee drinker until my offices had it for free, and now I’m definitely addicted. I don’t really care if the coffee is shitty or not, I just put some milk in it and it’s great. Right now I’m trying to drink half or three-quarter cups so I can attempt to pull back my addiction a bit. I log onto work at 9am.
11:30am Eat leftovers from last night for lunch—quesadilla + Spanish rice. There’s an incredible Mexican restaurant by us, and now I am ruined for the tacos, quesadillas and nachos from any other place.
12:30pm Will picks me up in the U-Haul. We’re driving about 20 min away to pick up a butcher block desk he bought off Craigslist, which ends up being from a small office that’s downsizing. The desk is $150 which he pays for. We love the office’s style (and the owner is super nice!) and walk around while he shows us what else he’s trying to get rid of.
We end up buying an extra-large ZZ plant and two side tables from him for an extra $120, way less than we would have paid for the quality elsewhere. My half will be $60, and I’ll split the U-Haul too, $44.51. $82.26
2:45pm That ended up taking a lot longer than we expected! We get back and unload the van, then I bring stuff inside while Will returns the van to the U-Haul location. I jump back onto work—so much for a slow afternoon before Thanksgiving. AWS is down, which powers a lot of our engineering work (and a lot of the internet!) so a lot of our teams are basically twiddling their thumbs. We chat about how to message the outage to customers.
5:45pm Will starts making dinner (braised chicken and veggies) and I sit down to read with a strawberry Chobani, but I end up just reading Reddit and searching for new podcasts to listen to.
7:45pm Dinner was great! Now…ice cream.
9:43pm I remember that my mom sent me ideas for her and my dad’s Christmas presents, so I order on Etsy and Amazon. My dad gets a mug with an Ernest Hemingway quote (“write drunk, edit sober”) ($21.54) and a book on writing ($16.63), and my mom gets this food warming tote contraption she wanted ($43.52). We’ve been paring down Christmases over the years—this year I asked for the Europe version of Ticket to Ride. $81.69
11:15pm I finish up the first episode of Real Housewives of Salt Lake City with some white cheddar Cheez-Its to snack on. After, I start on the dishes from dinner. I listen to the Product Market Misfits podcast while I do dishes—the episode with Kristen Anderson from Catch is great, highly recommend if you’re tired of just hearing stories about stereotypical Silicon Valley tech companies.
Day 1 Total: $166.69
Day 2 Thursday, November 26, 2020
10am Wake up super late since I stayed up scrolling on my phone too late last night. We make coffee and set out for a long walk around 11:15am.
12:05pm At the end of our walk, we swing by our local liquor store and buy 4 bottles of wine (red, white, rose, champagne). Will pays, total is $63.15 for everything. We haven’t had wine in the apartment for ages and I’m excited to have some stocked up. $31.57
12:30pm Get back from the walk, shower, then turn on football. I actually don’t really care about any NFL teams (I like college football a lot more), but it’s such calming background noise for me that I find myself looking for games when I have downtime. We also recently found out that Will’s friends’ dog only has a few months to live, so we order some jerky treats and a squeaky toy for him. $14.07
2:30pm We head out to the restaurant we’re going to for Thanksgiving lunch, a local place a short walk from our apartment. They’re doing a prix fixe menu of the classics—turkey, mashed potatoes, stuffing, green beans, and a phenomenal tarte Tatin with ice cream for dessert.
We eat outside under heat lamps. It’s super cozy. With our bottle of wine and tip the total is $208 (I try to tip over and above the norm because it’s a pandemic and Thanksgiving). My half will be $104.
5:53pm Get back from the restaurant. We have a ton of leftovers which is awesome (I think it’s excessive frugality, but I almost expect to stretch takeout or restaurant meals into two meals). Exchange some texts with my friends about their socially-distant Thanksgiving celebrations.
I turn on the Washington vs. Cowboys game right at the halftime show, which is Kane Brown with the Dallas Cowboys Cheerleaders. They’re all wearing masks (except for Kane) and it’s so odd to see them dancing in masks. I mean, I’m glad they’re wearing them, but it just seems like we could have gone without the halftime show this year.
9:21pm I order contacts from Contacts Direct. I got a new prescription but didn’t have a great experience with the eye doctor, so I’m hesitant about this order—only ordered one box of 90 lenses for each eye instead of a year’s worth of lenses. I’ve been getting headaches pretty frequently, so I’m hoping getting a new pair of glasses and alternating those (instead of wearing my contacts for 16 hours a day, every day) will help. $29.98 after insurance benefits
Day 2 Total: $179.62
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Day 3 Friday, November 27
8:56am Wake up super last minute, run to sign onto Slack and then start grinding coffee beans. I’m online and drinking a big mug of coffee by 9:10. (So much for half cups.)
10:45am Come up for air from work and grab the stuff to make a bagel. Everything bagels and plain cream cheese are my go-to combo.
12:03pm I grab a bag of clothes to drop off at the donation bin and a couple library books to return. The library is about a 25 minute walk so it’ll be a nice lunch break diversion.
12:56pm After the library I stop by the grocery store for some paper towels and sponges, since we’re almost out. Total is $22.62, my half is $11.31
1:09pm When I get home I jump back into work and put the USA vs. Netherlands game on my second monitor. By the 75th minute, the US is up by 2 goals so they start putting in some younger players—it’s fun to see Midge Purce and Sophia Smith play! I also throw some bagel bites in the oven for a quick snack and promise myself dinner will be healthier.
4:23pm I zone out of work and start playing Among Us. I end up playing for over two hours. We open a bottle of wine at some point and I get super tipsy.
6:50pm Turn on the tail end of the Notre Dame vs. UNC game. It turns into Jeopardy, which turns into Wheel of Fortune, which I’m not mad about. P isn’t as into the game shows and leaves to microwave a plate of leftovers from Thanksgiving dinner and play video games.
8:40pm Finally getting hungry after my bagel bites and Cheez-Its this afternoon and make a plate of Thanksgiving leftovers—turkey, mashed potatoes, green beans and cauliflower. Yum.
Will and I end up getting in a tiff about the mess in our apartment so we take a break, cool down and talk it through. I watch a couple episodes of Sister Wives and go to bed around 1:30am.
Day 3 Total: $11.31
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Day 4 Saturday, November 28, 2020
10:05am I stayed up late (again) so it’s nice to sleep in. I play Among Us for awhile and have a couple rounds where I’m the impostor and get some great kills and wins. I run out into the living room and celebrate with Will. We laugh because it’s silly how much we love the games we play. Around 10:45 I start making coffee.
11am We desperately need new sheets because our fitted sheet has a huge hole at Will’s feet (and it’s growing). I search a women’s personal finance group I’m in on Facebook for recommendations and we end up buying a queen sheet set from Belk. Total was $100.71 with their sale. $50.35
1pm I was planning on returning a package to the post office today, but forget it closes at 1pm on Saturdays so I decide to run to Target instead. I have a lampshade to return and want to look for a shower caddy as well. I also have an old iPad to return, which Will tells me I can do at Best Buy. He finds an old iPod and flip phone I can take too.
Take the MTA there ($2.75 for a single fare). When I get there, it’s a madhouse and I remember that I have sillily (is this a word?) decided to come on the weekend of Black Friday. I stand in the returns line for about 15 minutes and get $10.89 back, but ditch the idea of trying to look for a shower caddy. The checkout line looks like 100 people long. -$8.14 because of return
Next I go to Best Buy, but who am I kidding—the line to get in the store is even longer than the Target checkout line. I walk back to the subway and get on to go home. $2.75
2:30pm Since Best Buy was a no go, I search for electronic recycling around me on the way home just to see where I could drop off the devices I have. Apparently there’s an EcoATM not too far from my subway stop. It’s more for selling devices, but if they can’t give you money for something, they’ll recycle it, which is exactly what I wanted. I put each of the pieces in the scanner, and end up getting a whopping $2 total (for Will’s old iPod). Still cool because I was just expecting to recycle it all. I’ll give Will the $2.
2:44pm There’s a Dunkin nearby so I pop in to grab a couple donuts ($2.90). There’s a woman outside asking for money, so I give her $5 cash. $7.90
3:00pm Last stop—our favorite deli is nearby and Will mentioned he wanted to get bacon there recently. I get a 1/2 lb and salivate on the way home. This is one of those things I won’t put in Splitwise because it’s small and because it’s fun to get for P as a tiny little present. $3.50
3:45pm Once I’m home I’m super hungry from only eating carbs all morning so I have a snack of carrots, hummus and some pepperoni. I head back out to drop off a bag of clothes and shoes at a drop box a few blocks away. The neighbors are outside at the park near our house so I stop and chat with them for a few minutes. Their kids are the cutest.
6:47pm For dinner I make a ham and cheese sandwich (panini style with rosemary butter) and more carrots and hummus. I put on another episode of Sister Wives. These people are so fascinating to me—first off, I think the husband is completely full of himself. But I’m also so curious about the wives. There are a lot of talking head testimonials where the parents explain that they’re “oppressed” because they’re different and want to go public so the world can see polygamy as a valid family style (I’m only on season 2).
I know they’re probably playing up the “we love our other sister wives and have so much fun together even without Kody” aspect because people expect sister wives to be catty and hate each other, but I can’t help but wonder why they need to be in plural marriage to get the same friendship they seem to value so much. I also doubt they’d extend the same grace and tolerance they want to people who are “different” because they’re LGBTQ, or “different” because they’re in an open relationship or marriage.
9:15pm I mix together oatmeal chocolate chip cookie batter and put some cookies in the oven. While I’m waiting, I browse Zocdoc for well-reviewed providers—I want to make a podiatrist appointment for a lingering toe issue and an audiologist appointment for a routine hearing screening. I got the idea to make these appointments since I’ll hit my out-of-pocket max with the hospital visit, making them free or very discounted. I make two appointments for next week.
I also lust over a Farm Rio puffer jacket that feels overpriced but I just love. Maybe I’ll buy it tomorrow since they’re having a 30% off sale.
Day 4 Total: $64.50
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Day 5 Sunday, November 29
8:58am Wake up and switch between scrolling on Reddit and playing a few Among Us games. After a bit Will gets out of bed and makes coffee for us.
9:45am Will finishes the movie he started last night and we start on breakfast. We’re making the bacon I bought yesterday, breakfast potatoes with onions, and a fried egg for Will (I can’t stand the taste or smell).
11:00am Yum! Breakfast was great. I watch a couple episodes of Sister Wives and mull over buying that ridiculous but amazing puffer jacket from Farm Rio. I’ve still been thinking about it since last night and I might take the plunge.
1:25pm I get a jolt of motivation to work out and do a 20 minute Sydney Cummings video on Youtube. I heard about it from a recent Money Diary posted here! After it’s done I’m so, so tired. I stretch and unpause my episode of Sister Wives.
2:22pm I help Will move the butcher block slab for his desk out to our backyard. We live on the first floor of a single-family home that was converted into apartments, so we get the backyard too—it’s awesome to have outdoor space in the city. P works on sanding it and applying poly for the next couple hours.
5:07pm Will suggests pizza for dinner and I am always, always down for pizza. I order pickup from the spot down the street—one grandma, one cheese and 2 orders of garlic knots come to $38.60. We’ll have leftovers for tomorrow too. $19.30
5:50pm We pick up the pizza and dig in. While we’re eating we turn on the Chiefs vs. Buccaneers game; Will has a few players on his fantasy team in this game.
6:57pm I sign up to write letters to Georgia residents encouraging them to vote in the Senate runoff elections in January. This is through Vote Forward—I did 20 letters for the general election in November and want to participate again. I’ll print the letters at a local coffee shop since we don’t have a printer at home.
Will sends me this Reddit comment about campaign finance since we’ve been talking about it recently. I decide I’m convinced by the argument and set up a $5 monthly donation to Brand New Congress. $5
8:19pm After texting back and forth with my friend all day, I buy the puffer jacket—so excited. She encouraged me to get it and is pumped for me too. $228.64
I also notice my paycheck has started processing in my checking account (I get paid tomorrow), so I enter the amount in YNAB and budget it all. I earmark about $1500 to go into my brokerage account tomorrow. I won’t include it here as “spending” since it’s included in the overview section above.
Day 5 Total: $252.94
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Day 6 Monday, November 30
8:43am Wake up and turn on my Slack. Will started the coffee process and I finish it up by pouring the water into our Chemex and letting it steep (I know there’s a coffee-centric word for this...).
8:56am I check my Citi card and my YouTube TV trial rolled over—I was going to cancel it this morning, which I thought was the last day. I email support to see if they’ll refund me, because (I promise I’m not just saying this!) I did have a pretty bad experience. The Roku app was glitchy for us every time we watched something. Maybe they’ll feel nice today! $64.99
9:35am After responding to a few work messages, I run out the door to the post office to avoid a long package line. I did the Warby Parker 5-day home try on and have to return my box of glasses today. I found a pair I really like and am excited to get in the habit of wearing glasses again, instead of just my contacts.
Thankfully the line is only a few people long. The employees are also super nice every time I go, so I try to be really pleasant too. The lines are usually long and I’ve seen more than one adult have a fit at this post office. It’s rainy today and I couldn’t find our umbrella, so my flimsy rain jacket gets pretty soaked through on the walk back.
11:35am My podiatrist appointment is supposed to be tomorrow morning, and they call me to tell me since I haven’t hit my deductible, I’ll have to pay out of pocket for the visit. I explain that I’m 100% going to hit my deductible, the claims from the hospital just haven’t processed yet. I ask her to bill my insurance first for the visit, then I can pay whatever ends up not being covered (if anything). She agrees!
Maybe this is standard, but I’ve never had it happen before—even if I haven’t hit my deductible, I’ve always been to offices that bill insurance first, then I pay the remaining balance.
1:05pm Lots of meetings today. I break for lunch and heat up the braised chicken with veggies. It’s definitely on its last good day, so I’m glad I used it up. Still yummy!
2:20pm Woohoo! Get an email that my YouTube TV charge was refunded. -$64.99
Will ran to Home Depot today to buy some tools for his desk and also got a shower curtain liner since ours is ripping. I go to put it up in the bathroom but my arms are so sore—like I got my flu shot type of sore.
5:05pm Sign off work after trying to wrangle a supremely frustrating SQL query. I don’t get it but figure I can ask our analyst team for help tomorrow. Will will have a late night working, so pizza and Sister Wives is in my near future.
While watching, I update YNAB to reflect the end-of-month balances for my investment accounts. I get a huge dopamine hit by seeing my net worth number go up. I’m also anticipating it going down a bit next month because of my medical bills, so I relish the moment.
8:09pm It suddenly dawns on me that my arms are sore because I worked out yesterday. It’s so rare now that I literally forget when I do it. Ha!
9:15pm We watch the Eagles vs. Seahawks game and I absentmindedly play Among Us. I end up getting ...bullied by a person playing it? They get mad that I figured out they were the imposter and start saying all these schoolyard-type digs throughout the next couple rounds, but level 100 of cruel.
I’m embarrassed by how sad it makes me but think maybe it’s a good thing I don’t immediately know what to say to bully people back. Such a weird experience. I end up going to bed around 11:30.
Day 6 Total: $0
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Day 7 December 1, 2020
7:07am Wake up late for my alarm at 7. I’m up a lot earlier today because my podiatrist appointment is first thing. I get dressed in the dark, kiss P goodbye, grab my water bottle and run out the door to the subway by 7:30. $2.75
8:10am Get to my stop and swing by Starbucks before the appointment. I get a vanilla latte and the bacon cheddar and egg sandwich. Total is around $10 but I have a gift card loaded onto my Starbucks app.
My spending here went way down when I switched jobs to an office not close to a Starbucks, and then stopped going into an office at all.
8:30am My appointment goes great, if a little painful when she numbs my toe. I had to get an ingrown toenail removed. I danced ballet and pointe for years so I’m (unfortunately) used to them, but this one was terrible. The doctor and I bond over both being dancers with bad feet and they schedule me for a follow up two weeks out.
She actually says there’s been a rise in these procedures because people aren’t getting pedicures since the pandemic and aren’t cutting their toenails well! Wild.
I look silly on the subway in December wearing Birkenstocks and socks with a huge toe bandage. It looks like one of those cartoon characters who stubs their toe and it becomes 10x bigger than their other toes. $2.75
9:40am I get off at the stop before mine to stop at Rite Aid. I grab Neosporin, band-aids and epsom salt and check my notes for anything else she mentioned about caring for my toe. $12.97
10:00am When I get home, I hop into work and working with our engineers on a promotion for the New Year. I also catch up with Will since he stayed up late last night and I got up early for my appointment. He says he ended up staying up until 3:30am (!!) cleaning up his tools, working on his desk and putting up the shower curtain. I’m floored that he is functional right now after waking up at 8.
12:15pm Heat up the last of the pizza for lunch, along with hummus and carrots.
5:20pm Work is average-paced for the rest of the day. Not doing nothing, not totally over my head. Will puts in potatoes for baked potatoes to have later, which we’ll pair with a salad. We’re getting close to needing a grocery run again, so the meals are becoming more of a mishmash.
We listed a couple things on our local Buy Nothing group last week, so a woman comes by to pick up a wifi router we can’t use anymore. Would totally recommend looking up if there’s a group in your area—they’re usually on Facebook.
6:30pm After dinner I watch more Sister Wives and look up RIP Medical Debt, a nonprofit one of my friends shared for Giving Tuesday. They buy unpaid medical debt from collections, so $1 ends up paying off $100 of someone’s medical debt. I give $50 to the Arkansas campaign, which will clear $5,000 of medical debt.
As Will said earlier today, “medical billing in America is a racket” so I really hope this helps clear a burden from an individual or family. Doing this reminds me to check my insurance portal, which is steadily going up as each separate claim comes in. Ahhhh, modern healthcare! $51.49
At the end of each day please tally up your daily expenses. Then at the end of your diary please tally up all expenses in the following categories:
Total: $719.33
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Reflection This week felt like a big spending week for me. I checked YNAB and since January, I’ve spent about $1600 per month, not including rent—so about $400/week. That’s why this week’s $719 feels so high!
Writing this diary helped me understand how many things I have going for me. I’ve recently been in a huge funk—about my health, my performance at work and my relationships with family, friends and P. Going to the hospital, needing physical therapy to have sex and being in a pandemic will do that to you.
I was able to zoom out a bit and understand how stable and gratifying my life is. That being said, I’m so glad this community exists. I really love it and learning about all your spending and saving habits. Thanks for being here and sharing :)
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does family dollar sell chips video

Tech Products And Prepaid Phones At Family Dollar 2017 ... Dollar Store Nail Art Challenged (when the taco doesn't ... Why Food At The Dollar Store Is Really So Cheap - YouTube Strangers Trying to Sell You Stuff - YouTube When stealing go wrong at Family Dollar - YouTube Portable Fans at Family Dollar - YouTube FAMILY DOLLAR SHOPPING!!! $1 AND UNDER PET FOOD + SUPPLIES ... FAMILY DOLLAR SELLS POKEMON CARDS?? Opening 3 Pokemon TCG ... 10 Dollar Store Products You Can Re-Sell for More! - YouTube

Indulge your appetite for great food and big savings at your local Family Dollar. Our selection of discount snacks and groceries will make your mouth water! Preparing lunch and dinner for your family is a breeze with quick and easy meals from popular brands like Campbell’s, Chef Boyardee, Hamburger Helper, and more. It’s easy to make a quick trip to your local Family Dollar and get the discount groceries you need for any occasion. Whether you’re preparing for the big game, a party, picnic, holiday or birthday dinner, you’ll find essential cooking, grilling and baking supplies, plus staples like milk, eggs, and bread, all for less. Does Family Dollar Sell Poker Chips, casino theme invitation, hive extra time slots, what does 777 mean casino. Search in title . 698. 20 votes . Free Spins. In Winnings since 1995. Welcome Bonus:-Read our full review * T&C. 100%. 0. Gamble Responsibly BeGambleAware.org. €200. Early sell-out possible on special purchase items, and quantities may be otherwise limited. We reserve the right in our sole discretion to limit quantities to normal retail and online purchases. Shop Dollar General for the best deals and savings on your favorite snacks, cookies and chips. Menu Categories Digital Coupons Weekly Ad Early sell-out possible on special purchase items, and quantities may be otherwise limited. We reserve the Prep for party time with chips and dips at Family Dollar! Find great values on potato chips and other favorites like Pringles and cracklin' pork skin chips…and don't forget to pair with tasty dips like Pace salsa and french onion dip! FOLLOW US. FIND A STORE. Discounts average $5 off with a Family Dollar Stores promo code or coupon. 5 Family Dollar Stores coupons now on RetailMeNot. Wise Snacks Chips and Popcorn Only $.25 at Family Dollar!Woohoo! There is a $.75/1 Any Wise Snacks Coupon available right now! (First 15,000 prints) You can get the following deal:Wise Snacks Chips and Popcorn-$1.00 (Regular Price)$.75/1 Any Wise Snacks Printable Coupon=$.25 after coupon! Does Family Dollar Sell Poker Chips, ace points in blackjack, promogamegide, young black jack tap 1 Real money online casinos Does Family Dollar Sell Poker Chips are protected by highly advanced security features to ensure that the financial and personal data of their players is kept safely protected. The legitimate sites that we list as the best also have a solid reputation for ensuring their customer data is truly safe, keeping up with data protection and privacy legislation.

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Tech Products And Prepaid Phones At Family Dollar 2017 ...

What can you get for a dolla (and twenty-five cents, because inflation, or currency conversion, one or the other)? ¯\_(ツ)_/¯♡ Subscribe to never miss n̶e̶w̶ ... Come shop with me at Family dollar!!! $1 and under deals! Welcome to my channel if you're new...welcome back if you're family!! Follow me on Instagram @bunny... https://www.paypal.me/MagicTechReviewHey guys this is Magic Tech Review. If you would like to leave a tip for the holidays that would be amazing. It's a ro... I don't think I've ever converted to anything or bought something from someone knocking on my door.SomethingElseYt (Adam) https://www.youtube.com/c/SomeThi... WOW! Family Dollar sells Pokemon cards! We found 3 Champion tins of Pokemon TCG and we are opening them up for you!Check out http://www.ccgcastle.com for gre... How are dollar stores are able to sell food for so cheap and still turn a profit? The answer to that question is a calculated formula that dollar stores have... #PortableFansFamily Dollar Nevada, MissouriThanks For Watching Enjoy *(Like, Bell Notification and Subscribe) 10 Toy Weapons That'll Make Your Friends Jealous! https://www.youtube.com/watch?v=NnVMQ...10 Strange Dollar Store Items Sent By Viewers! https://www.youtu... About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features Press Copyright Contact us Creators ...

does family dollar sell chips

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