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zonk  ·  3459 days ago  ·  link  ·    ·  parent  ·  post: PSA: Welcome to Hubski, Redditors.

Good job on the introduction tips! I joined two years ago and I wish something like that has been there.. I just remember some Hubski veterans were grumpy when the Reddit wave arrived, so I was welcomed with a lot more negativity, so good job! :)

The thing which I always try to explain to redditors on reddit when they mention hubski, is, that it's way more personal than reddit and many new people will underestimate that. I think a good analogy for Hubski is a table in a bar where 10-20 people are sitting and having a chat. And you just entered that pub. In real life, you wouldn't just join the table and be like: HEY GUYS, LOOK AT MY CAT! And once you join the table, you will realise that many people on that table have personal connections and at the beginning there will be a lot of stuff you don't get. But after a while of listening to the stories and getting to learn the characters of the people, the 'bar visitors' will welcome you to join their group of regulars to share your story and ideas. This is what describes my experience as a redditor the best. I hope it'll help some people to understand this place a bit better :)

zonk  ·  4077 days ago  ·  link  ·    ·  parent  ·  post: What is your favorite freeware game?

Right now? Probably Cookie Clicker considering how much of my time this (basically useless) game is consuming.

Other than that I spent a large amount of my free time with League of Legends, a free-to-play MOBA which I probably wasted more than 80 days of played time on.

zonk  ·  3282 days ago  ·  link  ·    ·  parent  ·  post: Hubski, how do you budget ?

Time for propaganda!

I use the You Need A Budget (YNAB) software, and have been for over a year now and it's still just as great. I wrote up my feelings and how it works here already 400 days ago. I will quote here:

---------------------------

Hey, I was about to make a thread on that topic soon, what a coincidence!

I moved out from home (moving out of my family's place) as well as buying a condo, so therefore everything related to managing finances was completely knew to me. So far I could waste money, give my mom a couple of hundred and still live really good and yet save about 2k-2.5k Euros a month (I don't wanna brag, just for comparison purposes). My fiancee from America moved over, and I wanted to be able to sustain us both and pay off the flat pretty quick, even if she wouldn't find work right away (and thankfully I planned that way). So for me it was from super chill to ALRIGHT YOU'RE AN ADULT NOW WITH 110% FINANCIAL RESPONSIBILITY within 30 days. Full throttle. Now to YNAB:

The advantage I have as a German is, that you're generally raised here to live off your last month's paycheck as soon as you earn money. SInce I started earning my own money, the money I get at the end of the a month, I completely use for the next month. Leftovers at the end of the month I move to my savings. From watching various videos on the YNAB website this was confusing for me at first, because it was the 'normal' thing to do, but watching the YNAB video sessions and remembering the American credit craze, I remembered that it might not be that way in America, or harder to pull of for Americans who don't start doing that right off the bat when earning money.

So the good thing is, is that you already noticed this approach to finances part of YNAB, because the software is useless if you don't stick to their four principles. The awesome thing is: Their web sessions and trainings are free to attend! And their website has generally very much information and explanations. So far I found every single piece of info I wanted on their homepage without asking anyone else. Their philosophy and rules IS a part of the package that comes with the software!! If you don't follow them, the software might be rather useless.

The main difference between Mint and YNAB is, that Mint tracks your spending, and gives you an overview how much you spend on something. YNAB on the other hand is all about planning in advance. Budgeting your money you have available and trying to stay in that budget. If that's not possible, YNAB will make you prioritize. You have a budget for example for clothing and for video games. And you saw those shoes you want, but you're unsure about it. And then Bayonetta 2 comes out but sadly you spend your money on Shadow of Mordor already. But you know what, if you think about it, you don't need the shoes, you liked them, yes, but you have 2 working pairs and waiting a month is no issue. But waiting for awesome Bayonetta 2 is an issue, so fuck that, and you go in the software and adjust the budget, and move it for this month from clothing to video games.

So it helps you set priorities, and at the end of the month it switches to next month, "archiving" the old month and you see how much you spend in each category. So it's much more than just giving you an overview. Of course this comes with a little bit of work, because you have to literally enter every cent you spend in the software or - gladfully - in the free app! It uses Dropbox to synchronize the data and it works flawlessly. Entering a spending you just did is a matter of seconds with the app, and if you get home it's all pretty and cozy sitting in your PC, waiting for your reconciliation. The reconciliation is a the larger bit of work you have to do, but depending on how often you do it, the less time it takes. The first time I forgot to do it for the first month, and balls, it was a lot of work. "Where do these 7,59€ come from?" "Why did I get 15€ on my bank account there?" and - I shit you not, I didn't see the bank statement and this happened 1:1 like this - "Holy shit, they charge me the 750€ monthly payment for the condo already?!". Yes, for 3 weeks I thought they didn't charge me for the flat already and when my mom bought, it took the bank a couple of months till they started charging her. So I was like: Awesome! 750€ to save each month till they start charging me! Until YNAB's reconciliation made me literally go into my bank account and compare every single statement and I immediately started being a little less spendy. Now I do it whenever I feel like it, but at least once a week. All my spendings are still fresh in my mind, and I know immediately where the spending does come from, in case I forgot to enter it with YNAB. And if there's something unexpected, I notice it within a week, which is pretty good.

So after all this talk, the most often 'criticism' I hear about YNAB: "Can't I just use Excel for that?" Yeah, but what about the sync? "Duh, I can always do it on Google sheets". Yeah, of course you can do that, and bam, Google has your finances to the cent exact for every single spending. Tinhat aside, I really like Google, and myself wouldn't even be bothered by that, but that's already a No-Go for a couple of people. And the software itself is cheap, $60 holy moly. (If you want, I can refer you, you get 6$ off then, I get 6$ credit). I don't know how much you earn per hour, but let's say you get the $54 version, then you get either paid near to nothing an hour, of you can make the perfect excel sheet or a program with an app in like 2 to 3 hours. And I don't think so. On top of that you get their videos for free and a huge helpful community (I found /r/YNAB to be nice, but as I said earlier, there was nothing I couldn't solve myself). So I say, it's worth eeeeeevery single cent, and you read that very often on the internet, and I was honestly very sceptical, but damn, it is worth if you have a use for it. I went on g2play and bought a steam key for YNAB for about 20$, once you start it, you can copy the license and download the standalone software. So you get all this for about 20$ and it saves me sooo much headache and gives me a perfect overview of my finances which I wouldn't have otherwise (and honestly, I doubt anyone has such a clear overview without any kind of software, and if he/she has, respect). If you're still struggling about the $20 (hehe, I think you should get YNAB then anyway if $20 are an issue ;P), you can test YNAB for free for a month, so why not download it and test it. The worst thing that happens is, is that you don't like it and uninstall. But once you set it up on the first day, you did like 90% of it's work already, so at that point it doesn't take a lot of convincing probably :P

The way I started off is, that I just created my categories and together with my mom I thought about how much I should budget to that category and what is realistic for two people. To give you an idea I will list my categories here with the percentages of my salary, it might give you a starting point when you start with a blank sheet:

Monthly bills:

- Mortgage (31%)

- Internet/Phone (1.6%)

- Cable TV (0.8%)

-Electricity (3%)

- Utilities (9.6%)

- Mobile phone contract (0.2%)

- Insurance (0.4%)

Everyday expenses:

- Groceries (10.4%)

- Fuel / Transportation (2.4%)

- Restaurants (2.5%)

- Clothing (2.1%)

- Household goods (0.8%)

- Barber (0.4%)

Spending money:

- Keyboards (yes, I'm a mechanical keyboard fetishist) (0.8%)

- Games (2.1%)

- Other IT/Cinema (2.1%)

Rainy Day funds:

- Home maintenance (not quite sure with this one yet, because I just moved, currently 0.8%)

- Car insurance (2.1%)

- Doctors (0.4%)

- Presents (0.8%)

Saving goals:

- Emergeny/Leftover fund (Currently all budget, that is not budgeted in any other category, about 13%)

- Christmas (depends on the month, every now and then I add something, depending on how much you need at the end of the year)

- Car repairs/replacement (2.1%)

- Vacation (4.2%)

- Wedding travel (handling it just like Christmas, if I get unexpected money, almost all of it will be divided into Christmas, Wedding travel, some other saving goals and Emergency/Leftover fund)

- Building loan contract (2.1%)

Keep in mind that this is for Germany and I'm paying off my condo quite fast, so your insurances, restaurant costs, doctor costs etc. may vary. It also is only 2-3 months old, so it might need a little tweaking here and there. Budgeting will be hard at the beginning, but it makes you think about your money and how you spend it, which most people try to avoid. So either you're good with finances anyway, budgeting will be easy then and YNAB will be a good program to support you, or you're not good at it, and then it will be a bit harder at the beginning, but YNAB will force you to think about it and educate and train you how to handle your money and your finances/budget planning. And I read a lot of success stories about the second part :)

I hope I could answer a lot of your questions! You read that on the internet a lot, but I really like YNAB and every cent I spent on it, and would buy it again without hesitating a second. And in this case it's because the product is good, not because everyone is brainwashed. You can try it yourself or read a little bit more with googling around or on /r/YNAB.

TL;DR: Watch all the YNAB videos/join the web info sessions for free, buy it or test it for free, be happy, any question? read the whole post :P

Edit: Also, another short thing is, if anyone of my relatives/friends ask me what YNAB is or what it does: Basically you have this huge chunk of money sitting on your bank account, and YNAB takes care of what each bill in this chunk is planned and budgeted for and keeps track of it. It's like a toolbox for your money, it puts every piece of money to a fixed small shelf, where you can go and get it if the time has come and you need it. As soon as you close the YNAB program, all this nicely and neatly sorted money becomes a huge, unsorted pile again.

Also, when I asked a couple of my buddies if they know what YNAB is, 2 or 3 of them were already using it, without spreading the word, but they basically confirmed what I read on the internet about YNAB.

---------------------------

If you want further help of have any questions, feel free to ask!

zonk  ·  3140 days ago  ·  link  ·    ·  parent  ·  post: Five days until I head off to get the world record for longest barefoot journey

All I want from this are before and after pictures of your bottom of your feet. That said, best of look! And may you collect a lot of money for your charity!

zonk  ·  4077 days ago  ·  link  ·    ·  parent  ·  post: New to hubski: How does the third tag voting work?

Ah, that's it then! I didn't know that I have to get a full wheel to enable this feature. That explains it then. Once unlocked, I assume it's self-explanatory.

Exactly the information I was looking for, thanks!

Good idea on learning new languages! German is my native language, I'm (pretty much) fluent in English, and I speak/understand French and Japanese on a basic level. While I did a lot of studying for Japanese on my own, all the other languages I pretty much learned at school.

I can show you my road map for my past experiences with learning Japanese, but I can tell you that you have to invest a loooooot of time to be conversational level in Japanese and just for vacation there's only two things that make sense: First, learn Katakana and get good at interpreting them. It's only like 50 syllables, but they will be a great help on a vacation, especially in super markets for example. But even after learning them, you have to practice them and read 200-300 examples to get a feel for them. The good thing is: Japanese people use them mainly to "fake" the English language. For example: Terebi. If you know that R gets pronounced as L and B more like W, you can get closer: Telewi. Television. TV. You know probably see where I'm coming from when I say you need practice. But with just 3 syllables you know and you're able to read TV. In the super market, many of the bags say Miruku. What could that be? Us are often silent, Rs are Ls. Let's try it again: Milk. Ahh, you're currently shopping for milk! You can get a grasp of those Katakana pretty quick, because there are only like 55, and in today's age with the globalization and the internet, often times the Katakana will give you a context. So you will know a loooooot of words (check this for example: http://infohost.nmt.edu/~armiller/japanese/kanaloanfr.htm ). Of course they're not always used, but for me the Katakana were more than often a life-saver for context and are very little effort to learn.

My second suggestion would be, that you get a travel translation book with English and Japanese next to each other, where you can point to phrases for conversations in Japanese. With those little helpers, you're prepared for almost any emergency situation. You will be able to talk about/ask for directions, order the proper food in a restaurant, find bath rooms, and will be able to communicate with a doctor about almost any body part. Yet it's lightweight and easy to carry around. Very, very handy. I didn't really need it myself, but I felt safer having one with me, just in case.

If you're still convinced you want to go the full route, I'd suggest that you start with both Kana alphabets, which will already keep you busy for a while, you absolutely have to be fluent in them and be able to read them without thinking. Then you should grab a book (similar to Tae Kim's website for example), that will teach you the basics of Japanese grammar. When I was at that point, I started visiting weekly japanese classes for three semesters, which helped quite a bit to remember the stuff still (because I have context and associations with the grammar/lessons). After like 2 semesters of weekly lessons, we were at the point of learning the end boss: The Kanji. Those little bastards make the difference between people who do Japanese for fun and people who are serious about it. And there's no recipe for them. Some learn them faster in class room environments, some learn them faster by locking themselves up in a room for months and do nothing else. Some use spaced repetition systems (I know Anki (for offline learning) as a software for example). Some use context based spaced repetition where they try to trick their brain into associating something with it (for example Wanikani). For everyone there's a different approach and there's not general recipe for everyone, but one thing all have in common: it's a very looooong and very hard way which requires a fuckton of discipline (unless you're gifted of course). I'm not saying it's impossible, it's obviously not, but you pretty much need to dedicate your life (like 2-3 hours a day) to Kanji for months. And the even harder part: if you don't use them regularly after your vacation, they'll be gone faster than you know it. And be honest, how much would you be able to keep them in your brain afterwards? Katakana + translation script will be a couple of weeks of practice and in my opinion are perfect for a vacation. You're prepared, but obviously not conversational. But if you put alllll that work into Japanese and after a couple of months after the vacation you start forgetting all of it, that will be a lot of wasted money and time (and blood and sweat and tears).

I'm not trying to deter you from speaking another language, it's awesome, I'm writing in English right now, but I want to give you a realistic outlook on learning Japanese, especially "just" for a vacation. If you're still motivated and think you can do it, grab tables and Anki/Wanikani/any other spaced repetition websites and start learning the Kana. Once you're done with them, I can tell you already that Kanji are a hundredfold the work of the Kana, if not more. Needless to say, I never learned more than 200-300 Kanji at which point I could not put more time into my Japanese and without time and dedication, it's near to impossible. I was at peace with myself, knowing that this feat is just one that's too big for me. I was happy to know the basics of a beautiful language and I love visiting the country, but I found in the end I get happier when I put my time into other things, and so I bought a piano (which is getting dusty now goddammit).

Good luck with whatever choice you make, I hope it's the right one for you and an update in half a year would be interesting :)

zonk  ·  3749 days ago  ·  link  ·    ·  parent  ·  post: How do *you* use Hubski?

I'm almost here for the same amount of time as you, so I assume we come from the same thread from reddit ;) When I was new, I tried to establish the gaming or even league of legends tag, maybe the hockey tag to find people who share my interest here, but pretty fast I realized that's not really possible, because the community is too small for that over here. Only Kafka and 8bit are in for some gaming stuff (even that I know their names is proof enough).

So overall I'm probably less active over here than I want to be. It feels a little like being left out if you don't know the people pretty well, for example I've seen 8bitsamurai being called 8bit for a while now and it took me a little until I knew that they talk about him. Knowing that I will never meet these people in real life because I'm from Europe doesn't help either.

So I just open the tab every day at work and see what's new, and barely bother updating the frontpage, because there's less activity than on the big sites. On reddit I'm subbed to mainly non defaults in the meanwhile and I either stay informed that way or some other ones have nice people where I chat along or submit stuff myself.

Of hubski I always think of a reddit with serious- and smart-pants on (in a positive way), where you have more of a familiar atmosphere (not necessarily my thing, but it makes this site what it is)

zonk  ·  4077 days ago  ·  link  ·    ·  parent  ·  post: What are the advantages and disadvantages of Hubski over reddit?

I think everything right now is still speculation, since hubski is still young and small. But as the other posters wrote, over time some migration will happen and of course new users will follow, too.

But as someone in another thread put it: I wouldn't say reddit and this website are competing, they just co-exist right now and seem to have (at the moment) some minor differences here and there, which - in my opinion or how I see it - will grow over time and both will get more and more diverse. I see it a bit like a forking process in software development: habski split from reddit (the general idea behind it) as a branch, and as time goes on, both will get more unique and their own identity.

zonk  ·  3459 days ago  ·  link  ·    ·  parent  ·  post: The 500-mile e-mail

That story very well describes the quirks as well as the charm of working in IT. Sometimes the absurdest stuff happens and in the end there's even a logical explanation for it - which you sometimes understand and sometimes not

zonk  ·  3459 days ago  ·  link  ·    ·  parent  ·  post: Can't really find good concept on hubski.

I think you have to give it time. There are not really any default tags you follow (except the newtohubski one) and you don't know persons you like yet, so you don't really follow any specific people. Once you have a couple of tags you like and people you find interesting, you can follow them and see what they write and share, etc. and soon the stuff on your main feed will be interesting and plentiful for you.

But you should be aware that niche topics here move with a much slower rate than on reddit. Sometimes it's enough for me to only stop by here every two weeks and see what's up and what I might have missed. Other than that I check it maybe once daily. You can't really spam F5 here like on reddit and the frontpage looks totally different than 30 minutes before. New stuff comes slower, but that's due to the smaller userbase and the more well-thought content. But even that requires that you follow certain tags and users, and neither of them you know yet after only one day.

Also, as a couple of people mentioned in the plenty reddit welcome threads: this site might not be for everyone. And that might be the case for you. If you really wanna try it out, though, you have to give it some time. If nothing interests you by then, this website might not be a reddit replacement for you.

PS: Pretty sure that people who are more involved here can show you quite a lot thoughtful and interesting discussions and articles.

zonk  ·  3546 days ago  ·  link  ·    ·  parent  ·  post: Ask Hubski: Will be moving to a foreign country soon. Advice?

Oh yeah, the "do things that you wouldn't do at home" is also a big thing, in my opinion. Even if it's sad, you will only keep in touch with little people probably afterwards, but you can use this to do all the things you always wanted to do but for whatever reason you did not. Go out somewhere new without a plan of anything, without preparation. Get lost (literally). Over the Golden Week in Japan a buddy of mine visited and we did so many stupid things. Literally got lost in the city at 2 am and walked to our apartment for 3 hours, but we met so many people and it was such an unforgettable experience. We saw things which we never would've seen otherwise. I did go to clubs (which I normally never do) and a lot of other things. Try things you'd never thought you'd like. I think this is one of the little occassions where YOLO actually fits :D

zonk  ·  3546 days ago  ·  link  ·    ·  parent  ·  post: Ask Hubski: Will be moving to a foreign country soon. Advice?

I worked abroad in Japan for three months and I knew a couple of foreign students at my university and I think the most important thing, which will probably happen on its own anyway, is to make friends. If you befriend locals, you will experience the trip probably better than you could ever on your own.

After a couple of weeks in Japan I knew all my colleagues pretty well, and they were so nice to me! They took me out to various places to eat, on the weekends they asked if I'm busy and we planned trips (even a little bit further away). And I got the same vibe from the foreign students: the time I saw them having the most fun on pictures was always when they were with others, instead of sitting in their apartment and waiting for the time to be over. See this as a maybe once in a lifetime chance! When you're back and you settled with a girlfriend, maybe a house and later family, something like this will be almost impossible.

So in short: make the most out of it and use every day, in best case with new made friends who either share your experience of locals!

zonk  ·  3447 days ago  ·  link  ·    ·  parent  ·  post: What are some lesser-known shows that you think are just great?

My two series I'd recommend are: Utopia (the UK show) and Hellfjord, which is a norwegian show with one season and no English dubbings. Be aware that Utopia was not finished yet and ends in a pretty big cliffhanger after season 2 (it was suspended, because it was too brutal for a TV series, btw, just so you know what you're in for :D). Both are pretty awesome, though.

If you want a little bit more recent and famous stuff: Over the Garden Wall is a great animated mini-series from Cartoon Network that I read very, very little about and only know it because a friend recommended it to me, no idea if it was a big thing in the US. Fresh Off the Boat's first season aired earlier this year, and I think it was less famous than it should've been. Pretty great show but I think overshadowed by some other great shows last season and overlooked by many.

Also +1 to briandmyers tip for Black Mirror. Another great UK series. Got it recommended and binge-watched it on one weekend. That Christmas special, damn.

Hey, I was about to make a thread on that topic soon, what a coincidence!

I moved out from home (moving out of my family's place) as well as buying a condo, so therefore everything related to managing finances was completely knew to me. So far I could waste money, give my mom a couple of hundred and still live really good and yet save about 2k-2.5k Euros a month (I don't wanna brag, just for comparison purposes). My fiancee from America moved over, and I wanted to be able to sustain us both and pay off the flat pretty quick, even if she wouldn't find work right away (and thankfully I planned that way). So for me it was from super chill to ALRIGHT YOU'RE AN ADULT NOW WITH 110% FINANCIAL RESPONSIBILITY within 30 days. Full throttle. Now to YNAB:

The advantage I have as a German is, that you're generally raised here to live off your last month's paycheck as soon as you earn money. SInce I started earning my own money, the money I get at the end of the a month, I completely use for the next month. Leftovers at the end of the month I move to my savings. From watching various videos on the YNAB website this was confusing for me at first, because it was the 'normal' thing to do, but watching the YNAB video sessions and remembering the American credit craze, I remembered that it might not be that way in America, or harder to pull of for Americans who don't start doing that right off the bat when earning money.

So the good thing is, is that you already noticed this approach to finances part of YNAB, because the software is useless if you don't stick to their four principles. The awesome thing is: Their web sessions and trainings are free to attend! And their website has generally very much information and explanations. So far I found every single piece of info I wanted on their homepage without asking anyone else. Their philosophy and rules IS a part of the package that comes with the software!! If you don't follow them, the software might be rather useless.

The main difference between Mint and YNAB is, that Mint tracks your spending, and gives you an overview how much you spend on something. YNAB on the other hand is all about planning in advance. Budgeting your money you have available and trying to stay in that budget. If that's not possible, YNAB will make you prioritize. You have a budget for example for clothing and for video games. And you saw those shoes you want, but you're unsure about it. And then Bayonetta 2 comes out but sadly you spend your money on Shadow of Mordor already. But you know what, if you think about it, you don't need the shoes, you liked them, yes, but you have 2 working pairs and waiting a month is no issue. But waiting for awesome Bayonetta 2 is an issue, so fuck that, and you go in the software and adjust the budget, and move it for this month from clothing to video games.

So it helps you set priorities, and at the end of the month it switches to next month, "archiving" the old month and you see how much you spend in each category. So it's much more than just giving you an overview. Of course this comes with a little bit of work, because you have to literally enter every cent you spend in the software or - gladfully - in the free app! It uses Dropbox to synchronize the data and it works flawlessly. Entering a spending you just did is a matter of seconds with the app, and if you get home it's all pretty and cozy sitting in your PC, waiting for your reconciliation. The reconciliation is a the larger bit of work you have to do, but depending on how often you do it, the less time it takes. The first time I forgot to do it for the first month, and balls, it was a lot of work. "Where do these 7,59€ come from?" "Why did I get 15€ on my bank account there?" and - I shit you not, I didn't see the bank statement and this happened 1:1 like this - "Holy shit, they charge me the 750€ monthly payment for the condo already?!". Yes, for 3 weeks I thought they didn't charge me for the flat already and when my mom bought, it took the bank a couple of months till they started charging her. So I was like: Awesome! 750€ to save each month till they start charging me! Until YNAB's reconciliation made me literally go into my bank account and compare every single statement and I immediately started being a little less spendy. Now I do it whenever I feel like it, but at least once a week. All my spendings are still fresh in my mind, and I know immediately where the spending does come from, in case I forgot to enter it with YNAB. And if there's something unexpected, I notice it within a week, which is pretty good.

So after all this talk, the most often 'criticism' I hear about YNAB: "Can't I just use Excel for that?" Yeah, but what about the sync? "Duh, I can always do it on Google sheets". Yeah, of course you can do that, and bam, Google has your finances to the cent exact for every single spending. Tinhat aside, I really like Google, and myself wouldn't even be bothered by that, but that's already a No-Go for a couple of people. And the software itself is cheap, $60 holy moly. (If you want, I can refer you, you get 6$ off then, I get 6$ credit). I don't know how much you earn per hour, but let's say you get the $54 version, then you get either paid near to nothing an hour, of you can make the perfect excel sheet or a program with an app in like 2 to 3 hours. And I don't think so. On top of that you get their videos for free and a huge helpful community (I found /r/YNAB to be nice, but as I said earlier, there was nothing I couldn't solve myself). So I say, it's worth eeeeeevery single cent, and you read that very often on the internet, and I was honestly very sceptical, but damn, it is worth if you have a use for it. I went on g2play and bought a steam key for YNAB for about 20$, once you start it, you can copy the license and download the standalone software. So you get all this for about 20$ and it saves me sooo much headache and gives me a perfect overview of my finances which I wouldn't have otherwise (and honestly, I doubt anyone has such a clear overview without any kind of software, and if he/she has, respect). If you're still struggling about the $20 (hehe, I think you should get YNAB then anyway if $20 are an issue ;P), you can test YNAB for free for a month, so why not download it and test it. The worst thing that happens is, is that you don't like it and uninstall. But once you set it up on the first day, you did like 90% of it's work already, so at that point it doesn't take a lot of convincing probably :P

The way I started off is, that I just created my categories and together with my mom I thought about how much I should budget to that category and what is realistic for two people. To give you an idea I will list my categories here with the percentages of my salary, it might give you a starting point when you start with a blank sheet:

Monthly bills:

- Mortgage (31%)

- Internet/Phone (1.6%)

- Cable TV (0.8%)

-Electricity (3%)

- Utilities (9.6%)

- Mobile phone contract (0.2%)

- Insurance (0.4%)

Everyday expenses:

- Groceries (10.4%)

- Fuel / Transportation (2.4%)

- Restaurants (2.5%)

- Clothing (2.1%)

- Household goods (0.8%)

- Barber (0.4%)

Spending money:

- Keyboards (yes, I'm a mechanical keyboard fetishist) (0.8%)

- Games (2.1%)

- Other IT/Cinema (2.1%)

Rainy Day funds:

- Home maintenance (not quite sure with this one yet, because I just moved, currently 0.8%)

- Car insurance (2.1%)

- Doctors (0.4%)

- Presents (0.8%)

Saving goals:

- Emergeny/Leftover fund (Currently all budget, that is not budgeted in any other category, about 13%)

- Christmas (depends on the month, every now and then I add something, depending on how much you need at the end of the year)

- Car repairs/replacement (2.1%)

- Vacation (4.2%)

- Wedding travel (handling it just like Christmas, if I get unexpected money, almost all of it will be divided into Christmas, Wedding travel, some other saving goals and Emergency/Leftover fund)

- Building loan contract (2.1%)

Keep in mind that this is for Germany and I'm paying off my condo quite fast, so your insurances, restaurant costs, doctor costs etc. may vary. It also is only 2-3 months old, so it might need a little tweaking here and there. Budgeting will be hard at the beginning, but it makes you think about your money and how you spend it, which most people try to avoid. So either you're good with finances anyway, budgeting will be easy then and YNAB will be a good program to support you, or you're not good at it, and then it will be a bit harder at the beginning, but YNAB will force you to think about it and educate and train you how to handle your money and your finances/budget planning. And I read a lot of success stories about the second part :)

I hope I could answer a lot of your questions! You read that on the internet a lot, but I really like YNAB and every cent I spent on it, and would buy it again without hesitating a second. And in this case it's because the product is good, not because everyone is brainwashed. You can try it yourself or read a little bit more with googling around or on /r/YNAB.

TL;DR: Watch all the YNAB videos/join the web info sessions for free, buy it or test it for free, be happy, any question? read the whole post :P

Edit: Also, another short thing is, if anyone of my relatives/friends ask me what YNAB is or what it does: Basically you have this huge chunk of money sitting on your bank account, and YNAB takes care of what each bill in this chunk is planned and budgeted for and keeps track of it. It's like a toolbox for your money, it puts every piece of money to a fixed small shelf, where you can go and get it if the time has come and you need it. As soon as you close the YNAB program, all this nicely and neatly sorted money becomes a huge, unsorted pile again.

Also, when I asked a couple of my buddies if they know what YNAB is, 2 or 3 of them were already using it, without spreading the word, but they basically confirmed what I read on the internet about YNAB.

zonk  ·  3820 days ago  ·  link  ·    ·  parent  ·  post: How many of you are ex redditors?

I came here from reddit like 9 months ago, when hubski was mentioned somewhere in the comments. Since then I regularly check hubski, basically daily.

Still waiting for the projected hubski downfall due to an inflation of new reddit users some users predicted during their rant cough

zonk  ·  3435 days ago  ·  link  ·    ·  parent  ·  post: What are your favorite Windows 95/98 era video games?

Wow, the memories when skimming this thread.. I played almost everything that's listed here.. most of the stuff with friends who shared it at our LAN parties.. nostalgia, nostalgia..

zonk  ·  3459 days ago  ·  link  ·    ·  parent  ·  post: What are some good Android apps?

Somewhat popular but hasn't been mentioned yet, so I'll go for it: Greenify! It's an app to save some battery life, even without using root. It will keep Android from starting up apps when the screen is turned off for updates/pushes etc and you can select which apps you want to not use energy when you don't use your phone. This way the phone doesn't have to work as much when the screen is off and saves battery. For me, it made a big difference

zonk  ·  4074 days ago  ·  link  ·    ·  parent  ·  post: Ask Hubski: Where are you from?

I'm from the German Rhineland, the only place over here where wine is maybe even more popular than beer. The scenery is gorgeous too (shamelessly copied from Google image search):

Also lived in Tokyo for almost half a year and I made some awesome pictures from there too, but that's not where I'm from, so sticking to the Rhineland for now ;)

zonk  ·  4076 days ago  ·  link  ·    ·  parent  ·  post: Obligatory Influx Opinions Post

Ugh, I feel like your comment is almost depressing. So much negativity. As one of the recent new members, I feel like I should be super careful now what I submit to not eventually scrape off the flair of the veterans here and get scolded by them :/ I mean at one point you were new too, and what would you have thought upon reading such a comment by the veterans back then?

Also, I was one of the bad guys who called hubski young, even though knowing it's been around for more than 6 months. Nowadays there are communities that are more than 10 years old, so of course hubski is still young. A year for a community is nothing, it's always about the perspective.

Regarding restrictions for new users: It may solve an issue or two and maybe it should be tested. Personally, I wouldn't mind not being able to share links and only be able to comment, since that's what I like doing most anyway.

zonk  ·  3720 days ago  ·  link  ·    ·  parent  ·  post: Do you guys know massdrop -- crowdsourced retail sales

Sadly I know it. I'm kind of a mechanical keyboard enthusiast. Spent way too much money on this website already.

As I type this, I have a couple of packages from them laying around at my American familie's place, waiting for me to pick them up around Christmas. Even my new keyboard, hhhhhnnnnngggggg

Edit: If you want to look at Massdrop link without having to register, you can add "?mode=guest_open" (without quotes) to the link and you can see the article.

zonk  ·  3773 days ago  ·  link  ·    ·  parent  ·  post: Hubski, what don't you miss?

Not missing the long distance relationship I used to have over the ocean and the 7 hour time difference that came with it. Sleeping like a normal human being, fuck yeah!

zonk  ·  3934 days ago  ·  link  ·    ·  parent  ·  post: Did you ask your father in law if you could marry his daughter?

That's what I wanted to post basically. I'm still engaged and not married yet, but I did ask her father. She knew how I felt about it and that I'm not going to "ask someone for the permission to marry you". But prior to my proposal she told me, that whenever I'll do it, it would help her a lot if I did it before proposing. Her parents are somewhat traditional and with us being a transatlantic couple, my proposal would've meant that she moved from the US to Europe. She was terrified of telling her parents herself, fearing that they may not be amused about my proposal. But I let her know, that I will propose to her, no matter what the parent's reaction will be. I once read a very, very accurate and good quote (I think it was by a user of reddit) in case the parents react negatively: "I'm asking you to join our family, I'm not asking for permission to join yours." That perfectly summed it up how I felt, and if he would've reacted negatively, that's what I would've told him.

So in the end I did it for her, to make it easier in case her parents would have a negative reaction which could've been very hard for her to handle. But no matter what they would've told me, I wouldn't have changed my plans. That said, going to be married next year and still very, very happy about my parents in-law :)

Sadly due to being stuck at the same spot, they now edited th mode with a vote for Anarchy (old system) and Democracy, where the most voted move in the last 10 seconds gets performed. I don't think they should've changed it, but at least they made it through the part now they were stuck in for 24h.

zonk  ·  4074 days ago  ·  link  ·    ·  parent  ·  post: Users of Hubski, which movies from your country do you recommend to a newbie?

Der Untergang

Dont forget the downfall! It's German and very awesome.

zonk  ·  3258 days ago  ·  link  ·    ·  parent  ·  post: Hubski, what movies are you looking forward to in 2016?

On my automatically get and probably watch list for 2016 so far:

- The Legend of Tarzan

- Zootopia trailer looked funny

- Batman vs Superman

- Star Wars Rogue One

- Hateful Eight

- Suicide Squad

- Deadpool

- The new Ghostbusters

- The Revenant

- Finding Dory

- The Jungle Book

- Lion sounded interesting

- Various Marvel / DC things that come out

- On my list is also How To Train Your Dragon 3, which is apparently now 2018 instead of 16 :( Incredibles 2 is even 2019 now...

I haven't looked thoroughly for anything major.. it's just what I collected in a list while I thought of them

Edit: Forgot "Hail, Caesar!" and "Teenage Mutant Ninja Turtles: Out of the Shadows" since the trailer looked promising

zonk  ·  3414 days ago  ·  link  ·    ·  parent  ·  post: What are your favorite game soundtracks?

One of my favorite, if not THE favorite gaming OST of mine is still the NeoTokyo OST, which was some random mod for UT, if I remember correctly:

It was also the first thing that got me into drum'n'bass a looooong time ago. I have so many favorite pieces in there, it's so awesome!

What I'm also missing in here are some of the WoW soundtracks. No matter what you think about the game/the addons themselves, but Blizzard did an outstanding job creating a fitting OST for every expansion:

The whole Pandaria add-on is based on adventure and discovery of a new culture (which is based on Eastern cultures irl). It then quickly turns into a conflict between the Alliance and the Horde, fighting for predominance in that new country, while you still have the people from that culture living there and suffering from the conflict. And just the opening of that OST tells that story without words, it's incredible. They did an outstanding job on all of them.

Other than that, +1 for the Super Meat Boy and Shovel Knight linked here in this thread for representing awesome chiptune music.

zonk  ·  3453 days ago  ·  link  ·    ·  parent  ·  post: The web browser of the future?

As I wrote in the other post, the main information about the browser is currently still hidden in the blog. Behind the browser is, if you register and decide to use it, some 'community' stuff like a blog, a free email, photo sharing/webspace. Just as the old Opera used to (or still does?).

Currently you really notice that it's based on Chrome in the backend, but the thing that makes it different from other browsers is the team behind it. If you check the blog you will recognize a lot of familiar faces (if you were into Opera sub 12) and that generally stands for innovation and reliability. This is why the browser already gets so much media attention.

Guess where Tabs come from? Opera. Speed dial? Opera. Integrated mail? Opera. Pop-up/ad blocker? Opera. Tab stacking? Opera. Customizability is heavily encouraged and the developer try to make it possible for the consumers. Last snapshot they integrated a setting to scale the whole UI, a feature that I wanted for my Firefox for ages but I had to look for minimalistic skins instead, which were broken in the UI remake the other patch. If you press CTRL + Q or F2 in Vivaldi, you already have a neat new feature that is not existing in other browsers, and it'll help you to surf/navigate your browser more quickly. They already have tab tiling in the client, which allows you to split the view of the browser for two or more tabs and browse them at the same time (I've used that for reddit-streams.com in one tab and the stream in the other tab for example, or to surf and compare prices/features of articles)

A lot of 'hardcore users' (which is the target audience for Vivaldi as well as Opera <12) have a lot of faith in the team to deliver innovation and awesome stuff, and in the past they delivered. As I said, I prefer Vivaldi already over my Firefox, and Vivaldi is in development for less than 5 months. For the beta there are high hopes for sync and mail being integrated and each snapshot has more awesome stuff in it, and they get released every 1-2 weeks. They're catching up pretty fast already and have stuff that other browsers don't have.

Is the browser for you? I can't say, the target group is not the casual user who goes on google to search something, then on YouTube to watch 3 clips and go offline again. Those people won't notice a lot of difference and might be more content with old and familiar settings/environments. But if you have 20 tabs open and your hobby is surfing the web up to 6 hours a day or more, then yeah, you should definitely keep an eye out on the browser and check what the team created this time. Also, of course it still has some rough edges, since it's not even beta, but so far it's running smoothly.

zonk  ·  3454 days ago  ·  link  ·    ·  parent  ·  post: The web browser of the future?

Still hyped for Vivaldi! The browser brags with its visual appeal and as NoTroop mentioned, I'd rather see this as an addon for an existing browser. There's way more important stuff to a browser than how it looks or how it represents tabs.

Vivaldi has only been in development since late January this year, it's not even beta yet (Technical Preview 3), and I'm super close to replace my Firefox already. They regularly release snapshots with a lot of new stuff and/or enhance the existing stuff. Beta is soon (tm) to be released, most likely it will have Opera's (<= v12) old integrated mail system and synchronization between clients.

zonk  ·  3456 days ago  ·  link  ·    ·  parent  ·  post: Does it make sense to learn playing the piano on your own?

Alright everyone, thanks for telling me to do it :)

mike mentioned the Casio PX-130 and just for interest I looked on the German ebay, ad there was a very good deal, so I had to get it after looking through some reviews online and only reading praise about it. If anyone has any useful resources for me, be it some music theory, some recommendable children's books with songs or anything similar, feel free to hand em out to me!

zonk  ·  3457 days ago  ·  link  ·    ·  parent  ·  post: Does it make sense to learn playing the piano on your own?

Hey, thanks for the advice!

Any tips or examples on what you mean by music theory? Is there a decent Youtube series or something like that? Just calling it music theory sounds like a very broad topic to me, and I'm sure there are people who study that on universities. So any guidance for that? To what point would it make sense for me to learn the basics and where should I draw the line?