What are Reddit's favorite Spreadsheet Apps?
Airtable
You Need A Budget
LibreOffice
GeoGebra
Apache OpenOffice
Coda
Collabora Office
Google Drive - Sheets
SoftMaker FreeOffice
Quip
Zoho
EtherCalc
Baserow
IBM Docs
Apple iWork
Microsoft Teams
Obvibase
Fibery
Gnumeric
GoJS
Calligra Suite
NocoDB
SeaTable
ONLYOFFICE
LibreOffice - Calc
Numbers
Resolver One
Sheetgo
mxGraph
Symphytum
Twake
Stackby
Spread32
Collabora Online
Grist
Matrify
Apache OpenOffice Calc
Framacalc
Ragic
Microsoft Office Suite
NeoOffice
Keikai
Go-oo
Pyspread
Microsoft Office Excel
SSuite Accel Spreadsheet
Hancom Office
Sonadier Forms
Microsoft Excel Viewer
Top Reddit reviews mentioning Spreadsheet Apps:
ynab.com (You Need A Budget Student Program) Is still offering students a free year online budgeting. There's also an app. It's done wonders for me (and plenty of others according to their videos). Congrats on getting a hold of this. It won't be too long before you're out of this hole and in a better financial space.
LibreOffice A free alternative for anyone who can't afford Mictosoft suites, even has a pretty comprehensive Powerpoint alternative called Impress thats included. Both of which are compatible with Microsoft Office and Powerpoint. The forums say that they can have a few issues going back and forth between the programs but I havent had any yet.
Scribus is a good free open source Microsoft Publisher alternative.
>you cannot go crazy if you do not play a couple of games or three games
This.
McTominay played for 22 games this season. And he's a youngster.
Lingard played for 47 games although he wasn't really first choice at the start.
Herrera himself played for 38 games despite Pogba-Matic seemed to always play and never get subbed off.
Even Luke Shaw got himself 19 games.
So I don't think Martial and Rashford, who respectively played for 44 and 51 games this season, have any reasons to be concerned. Even with Sanchez's arrival, Jose showed that he wasn't afraid to sub off/drop Sanchez, so they will still have their opportunities.
UPDATE:
Here's a comparison of Sanchez, Rashford, Martial, and Lingard since Sanchez arrived (data from transfermarkt). TL;DR:
- Sanchez started in all his appearances and played more minutes than others. He has the best stats out of 4 though.
- Lingard played in the most matches.
- Rashford came in as sub 10 times.
- Martial had some injury problems for a couple of weeks, otherwise I'm sure he could've had more minutes.
- Martial had 0 goals and only 1 assist during that period.
- All four of them could've performed better.
I try to ELI5 as best as I can.
In quantum mechanics, particles behave like waves. Keep this in mind.
Look at this wave (it's supposed to go off to the left and to the right like this into infinity). You can easily tell me what wavelength it has - just count the distance from one peak to the next one.
But where is this wave? This question doesn't even make sense, the wave goes off like this on both sides to infinity. It has a very well defined wavelength (~velocity), but the position is totally unclear.
Now look at this wave. If I ask you "where is it?", you can imemdiatly say "it's at (or around) 0". But what is its wavelength? There isn't another peak you can measure the distance to.
This wave has a very clearly defined position, but the wavelength is undefined.
And you can make up all sorts of "mixed waves" between those two examples, but you will always trade uncertainty in one for exactness in the other.
Our institution provides the browser-based version of Microsoft Office to all students. And I tell my students that if they don't like that version (it lacks some of the capabilities of the regular software, especially Excel), there is Open Office, a freeware (and completely legal) version they can use.
Having Adobe support Linux has never been the best answer, but the fallacy became a lot more obvious when Adobe shifted to online-DRM subscription sales model and then discontinued their perpetually licensed software sales. Adobe shouldn't bother to support Linux because they're right: they wouldn't sell very many copies for Linux.
- Linux users mostly haven't had decades of lock-in with these applications;
- Linux users are generally accustomed to investigating and using alternative software;
- Linux users aren't as likely to take the subscription deal as Mac users.
Everyone should have some alternatives, no matter what they're using. Emacs users should be able to switch editors if it should become necessary, and Chromium users can switch to Firefox, and Calligra Suite users to FreeOffice, and even Linux users to a BSD if it should ever become necessary.
Anyone who uses specific software professionally should also have an exit plan. Artists, accountants, draftspersons, microelectronics designers, photographers, programmers, lawyers; everyone.
The Document Foundation (TDF) announces the availability of LibreOffice 5.3.1, the first minor release of the LibreOffice 5.3 family released in early February, with 100 bugs or regressions fixed against the previous version.
LibreOffice 5.3.1 is targeted at technology enthusiasts, early adopters and power users, as it is focused on bleeding edge features.
LibreOffice 5.3.1 is immediately available for download from the following link: https://www.libreoffice.org/download/download/.
It isn't worth going into debt for your wedding. While yes, it is an important day, the important part is marrying each other and starting your lives together. Don't begin that with a bunch of unsecured debt looming over you!
If you want help budgeting and figuring how much you can save each month, /r/personalfinance is a great resource. I also highly recommend both Mint for expense tracking, and You Need A Budget for budgeting.
Start off your marriage on the right foot :)
When you're saying you're overbudget, do you mean your "To Be Budgeted" is sitting at a negative number?
Undo that right now by unbudgeting everything. That's not how YNAB is supposed to work. Budget only the money you have right now. If that doesn't go very far, so be it. When your To Be Budgeted amount hits zero, stop. That's the reality of the situation you have in front of you.
You're riding what's known as the "credit card float" where you're essentially paying last month's expenditure with this month's money. That article gives you two options on how to deal with this.
If you want to break the credit card float cycle quickly, you need to stop paying off your cards in full, and instead treat them like any other debt. Whatever your credit card balance is right now becomes your debt. You stop using the card completely. When you get your monthly income, you budget that money to your bills, etc. and spend from your debit card, and whatever is left goes towards the credit card bills. This will incur interest. But it means you'll be working only with money that you actually have and you can actually budget properly. The debt will get paid off eventually.
Breaking it slowly would mean still riding the float, but it means you cannot budget money the proper way. It means you'd need to budget money towards making sure your credit card is fully covered, and budgeting whatever is left wherever it needs to go. It means your YNAB will have a lot of "overspent" categories.
LibreOffice's license permits it to copy code from OpenOffice while OpenOffice's less permissive doesn't allow it to copy LibreOffice's code. This means every single fix you're going to see is probably already in LibreOffice and they improve their software on their own.
There's no reason to use OpenOffice since 2011.
LibreOffice exists for 6 years now and made vast improvements. The overwhelming majority of Sun OpenOffice.org developers and community moved to LibreOffice when Oracle took over Sun Microsystems. The Apache OpenOffice is kept online because of a minority of developers that do not want to let go, but who cannot actually maintain it. They mislead Windows users by not mentioning that LibreOffice exists.
Because MS wants to make lots of money.
Why not try LibreOffice completely free? It does absolutely everything that MS proprietary software does that the vast majority of users are likely to ever need.
Open source does not mean you can do whatever you like with it. You have to meet the licence criteria. These are varied but may include things like:
- Giving attribution to the original authors
- Providing links to your modified and original source
- Not misrepresenting it as your own work
- Not charging a fee for the open source component
From the LibreOffice licence: https://www.libreoffice.org/about-us/licenses/
CompleteOffice may be violating these terms:
"All distribution of Covered Software in Source Code Form, including any Modifications that You create or to which You contribute, must be under the terms of this License. You must inform recipients that the Source Code Form of the Covered Software is governed by the terms of this License, and how they can obtain a copy of this License. You may not attempt to alter or restrict the recipients’ rights in the Source Code Form."
Correct, but it's a start. Sensitize people to the dangers of the cloud, and hopefully soon enough they'll realize a Linux PC with LibreOffice is currently the only actually viable safe option to go with regards to government and military PCs.
I'm happy to see the list of LibreOffice users slowly growing since I last checked a year or two ago, when IIRC only France and Italy's defense departments were listed as users: https://www.libreoffice.org/discover/who-uses-libreoffice/
The Bernie campaign needs Iowans who can provide housing or know of low cost housing options for out of state volunteers! Please share this link with Iowans https://airtable.com/shr3PnUTrAIRciTFb and join /r/IowaForSanders
OpenOffice is not getting serious development for over 8 years now. Please don't use it, the only thing it has is the name recognition.
Use LibreOffice if you want a FOSS office suite.
I really like YNAB (https://www.youneedabudget.com/). It's a $5 a month budgeting tool, but also lets you add your investment accounts and track your net worth.
Do you budget right now? If not, it's really one of the best things you can do on your path to FI. YNAB will help you:
- See where your money is going which will in turn help you manage it better
- Make sure you're not spending more than you earn
- Help you save for and meet goals like paying off loans or saving up for a vacation.
You'll basically set up a bunch of categories (groceries, rent, bars/restaurants, electric bill, etc) and when you spend money it goes against what you've budgeted for the month for that category. What's nice is that it's flexible, so if you overspend on one category you can just take money from another category to cover it.
What's really great is how it helps you save up for expenses that come every few months. Let's say your car insurance is paid every three months. You would set up a Car Insurance category and put 1/3 of the amount you'll owe for each of the three months leading up to when you have to pay it. This is really helpful and will make expenses like that hurt a lot less.
If you're interested, sign up for the free month trial, then watch a webinar or one of their videos on how to get set up. It will probably take an hour to two to get it going, then a few minutes every day to update and manage.
After using it for a bit, you'll wonder how you ever got by without it.
Consider becoming a donator if you want to accelerate the development process. The more full-time professional programmers the project can hire, the faster it will surpass Microsoft Office in features and quality.
You should probably switch to LibreOffice. OpenOffice is a dead product as it was last updated January 2011. LibreOffice is maintained.
FYI, this is apparently the first release that includes a native 64-bit version for Windows. I noticed the LibreOffice website didn't correctly steer me to that on a Windows machine, so here's a link for Windows x86_64 in case you need it for any reason.
First of all, relax. You've got three grand in debt. Most people have tens of thousands. You're in such good shape it's kind of irritating...
You make three grand a month, and pay 20% of your income in rent. You should have have no problem whatsoever coming up with a budget that would have that debt paid off in under 2 years. Buy a copy of You Need A Budget, install it and follow the instructions. You'll be right as rain in no time.
In terms of freaking out about the world ending...grow up. Being an adult means staring potential disaster in the face on the daily. You think you are stressed out about news in North Korea; try keeping a toddler alive. Freaking out about the world ending is some emo teenager bullshit, so knock it off.
Sure, I'm well aware of that model (being an openSUSE user :) ) but I don't think that's what's happening here. According to the Libreoffice site TDF does not provide professional support for LibreOffice and there is no reference to LibreOffice Premium on their website that I can find.
I don't know. The only thing I don't like about https://www.libreoffice.org/ is the animated download gif. I really dislike the logo and the animation looks weird imo.
But other than that, what's wrong with the website?
Understandable! We all hear you, and were all there ourselves, at some point. It’s a lot to deal with at first, and it may not end up being for you. But the whole mass of people that you have read about, for whom it works, will walk you through absolutely ever step, if you feel like giving it another chance. Also, remember about the live chat feature in the app and on the website, the official support should be able to walk you through any issues. And lastly, there are a few people here who volunteer to tutor people via chat, myself included. Reach out if you need specific detailed help (but there is no question that is too stupid, and this sub is great for all of it!), or even just to gripe! A lot of it is changing your mindset along with learning the app, so maybe the people at r/personalfinance might be helpful for some other issues, or even some other methods of managing everything. Good luck! PS, check out the YNAB Forum, maybe doing a journal might help you get it all out and see how far you’ve come, in a bit. PPS, did you look at the budget template? you shouldn’t have to necessarily feel overwhelmed with your priorities, they are yours, you can choose to put some on hold, and it works just as well that way.
Not forever.
From the FAQ:
>How long can I use this plan?
>
>You can use the plan as long as you are working at a qualified school. Your eligibility may be re-verified at any time. When your Office 365 Education plan expires:
>
> * The Office applications enter a reduced-functionality mode, which means that you can view documents, but you cannot edit or create new documents.
>
> * Online services associated with the school email address—for example, Office Online and OneDrive—will no longer work.
>
> * If your plan expires, you can extend your plan by re-verifying your status as an educator, or by moving to an Office 365 personal plan
​
Viable, long-term alternative: LibreOffice.
It's free, open source, works with Microsoft Office files, and none of my teachers were any the wiser.
There's certainly differences between the two, but it's more of a trade off than a deficiency. For example, there's some rarely used (but useful) function that Excel has that Calc doesn't, but Calc supports regex matching which Excel lacks (this is a big deal to me). There's a few other small things, but nothing I would consider a deal breaker.
If you really want cloud support, Google Docs is quite nice, and it's free, too. Otherwise, I just use Dropbox, also free, and save my school files in there.
LibreOffice - www.libreoffice.org
Free, fully featured, not trapped in a browser, not beholden to network latency, and not locking you into a company's data trap.
Once you start using LibreOffice then you'll wonder why anybody still pays for Office software.
> ... Libre Office, it's Microsoft Office XP and in the last 10 years has seen 0 improvements in functionality.
That's completely false. LibreOffice has within its five years of existence constantly added new and improved functionality: https://www.libreoffice.org/discover/new-features/
Perhaps you were thinking of OpenOffice.org, which stalled and then got forked by LibreOffice (because that's what you can do when free software gets stalled)?
It’s not quite what you are asking for, but YNAB is what I use for budgeting. With it, you can add a monthly goal for savings on a specific category. I would definitely recommend checking it out.
- Increase your income. This means get a second job.
- Reduce your expenses. Your rent is an acceptable rent for your income (towards the high end), but your other debt makes your rent too high. Rent a room instead of an apartment. Or share a room.
- Pay down your debt fast. The best mathematical way is to target the highest interest debt first. Basically, you go after the credit card (CC) with the highest APR.
- Start budgeting. Track every dollar that comes in and where you spend it. Online tools like Personal Capital and Mint make this easy. But a real budget is more complex than these online tools. Ideally you either make a spreadsheet or use something like YNAB ( https://www.youneedabudget.com )
- Start looking at making an emergency fund. With CC debt, emergency funds cannot be a priority, but having at least a one month emergency fund (one month of expenses) is worth slowing down on the CC payments. After your CC debt is paid, make sure you keep a 3-6 month emergency fund (6 months is ideal for many people though this fund can be smaller or larger based on your individual situation).
"The Document Foundation has been made aware of an unofficial version of LibreOffice on the Windows Store. We are investigating further, but we want to be clear: this is not an official version created by The Document Foundation, so the app's page is misleading. The only official source of the software (which can be downloaded for free, i.e. without any cost for the end user) is LibreOffice website: https://www.libreoffice.org. lso, the money from the Windows Store version is not collected by The Document Foundation."
Tacky. Trying to be greedy and charge money for free software.
https://www.geogebra.org/ geogebra has some great tools for that. Play around with it on desktop if you can!
Mathematica is good too, though I've only ever tried the free version they package with the raspberry pi os for desktop use... I think you might otherwise have to pay or get a license through a university.
I like Figma’s approach to PRDs because it’s lightweight but still extremely functional.
It emphasizes a clear explanation of the problem/success metrics upfront. It also focuses on the important parts of the solution rather than the whole solution, which aids scanability.
I’ve found combining this with a product tracker to be the most efficient way to manage multiple features in flight and share context/progress with GTM stakeholders.
Watch this video. Seriously.
It has helped many, many people understand how YNAB functions.
It's a different way of thinking about budgeting. It's an envelope system. You have a pile of dollars (real dollars - these are all the dollars you own, right now, in your accounts), and a pile of envelopes. You begin stuffing dollar bills into envelopes - some into the bills coming due before you get paid again, some for groceries until you get paid again, some for gas until you get paid again, and with the smaller pile of dollars after those needs are taken care of, you begin to stuff dollars into your True Expenses - things like Car Maintenance, Insurance Payment, etc. When you run out of dollars, you STOP.
You stop, because you can't put imaginary dollars into envelopes.
YNAB is all about the now - about giving jobs to the money you have. Not to the money you might have later on. It is a different way of thinking, but once you make that mental shift, it comes clear and works beautifully.
Watch the video and see if it doesn't help things.
Also, read the How To Create A Budget article. It explains setting up goals for categories, and scheduled transactions. (That's how you plan ahead for dollars you don't have yet. You can make a goal for a category you don't yet have dollars for, but you can't stuff dollars into those envelopes until you have those dollars.)
You are still thinking of 'budgeting for your credit card payment.'
Don't do that. Stop.
What you are supposed to do is budget for the things you are buying. Groceries. Clothing. Fuel.
So, you budget $100 to Groceries. This is real money, real dollars that you have, in your checking account.
You spend $75 on groceries, using your credit card. You enter that transaction in your credit card's ledger as Payee:Grocery Store, Category:Groceries, Outflow:$75.00.
Now, you will see a green $25 in your Groceries category, and a green $75 in your credit card Payment column. That's because the $75 you spent 'moved' from having the job of paying for groceries, to having the job of being reserved to make your credit card Payment. You will need to pay your card for the amount you borrowed from them - so YNAB helps you by setting aside the money that you 'spend' on a card, so you can make your payment with that money.
This article gives some tips for getting off the credit card float - when you don't have enough money to budget for your month's expenses, AND pay your previous credit card bill in full. You can either stop paying in full, but budget properly for your expenses, and budget an amount to pay down your card, or you keep paying in full, but trim your spending back as much as possible, so you're overspending your budget categories less and less over time. (I prefer the option to stop paying in full - it's painful, but debt always is, and that pain makes you move faster. The option to trim expenses and keep paying in full instead requires a lot of discipline, plus, you aren't really using YNAB 'properly' in the meantime, and that habit can be hard to break after a while.)
Your current rent is 600/mon plus shared internet+utilities/mon. When you move, your costs will be 1000/mon plus individual internet+ utilities/mon. Also, if you plan on overhauling your wardrobe to match your new gender, that could be expensive, too. This means that for you to live in a place that is 400+ more, you need to cut at least 400+/mon expenses elsewhere or earn at least 400+/mon more with a side job/gig.
Have you looked into ways to either increase your pay or decrease your other costs? Now's a great time to budget your expenses and see what's easiest to cut.
For example, to increase pay:
If you think you can handle it, can you ask your boss for more responsibilities and thus more pay? Can you see what's out there and try to look for and apply for different jobs now? It doesn't hurt to ask and show interest. If nothing is currently available, you can ask them to please keep you in mind for future openings.
If you think you can work more than 40 hr/wk, can you find a side job/gig?
For example, to decrease other costs:
Is there room to bring your monthly food costs down, while keeping healthy? Maybe you could start brown bagging lunch, make your own daily coffee, decrease the amount of meat in your diet, r/mealprepsunday, etc.?
Can you change cell phone providers to decrease your monthly cell phone bill? For example, if you're on Verizon, but Google Fi service is great in your area, even if you save $35/mon with that change, all these little changes add up and can help you out.
These are just some examples. I'm sure you can think of a way to optimize your budget that you didn't look into before.
> Amazing that they just don't seem to care about fixing this.
"They" is a volunteer-driven, community open source project with very limited resources (compared to the vast size of the userbase). Suggesting "they" don't care is very unfair! The community is working super hard but needs help: https://www.libreoffice.org/community/get-involved/
So, for a while now, I've been trying to use some of the data I've been gathering to make some cool infographics... except I'm rubbish at it. So I figured I'd free the data and let people who know what the hell they're doing have fun with it. (you can download a csv file from the ellipsis in the task bar at the top)
Howdy, author of The Program audio series here. A few days ago, The Program got featured on Apple Podcasts. And while it's not the first time the show got promoted by Apple, this is the first time it was showcased directly on the front page of the biggest store - the US one.
How did it happen? I was lucky Apple opened "Alternate Realities", a category that fits my podcast to a T (the show is set in a world in which Money, State, and God became fused into a single entity called the Program), and fortunate that one of the editors of the Canadian store endorsed my pitch for The Program to be included (pitches are open to everyone, but the US store is inundated so it helps if you have someone to vouch for you).
As you can see from the chart, the show has been getting between 150 and 250 downloads per day in the period before it got promoted (it's currently between seasons so the numbers have been low but stable). After the promotion, it shot up to over 700 downloads per day, and I have a feeling it might plateau there.
I have no idea how representative these numbers are, but thought some people might find a data point like this interesting.
The Program comes for us all. (Really - new episodes start running in August!)
I just closed my account. I had signed up to see what it was like. With YNAB, it just kind of got in the way, stealing money from one account to an other. It didn't help me save more money because I don't use my checking account balance to decide if I can spend money. Digit is a neat concept for people who "can't save", but I not in their target demographic. I wish them well.
You Need A Budget is fantastic, and syncs across devices using Dropbox. It's the most logical budgeting / finance package I've used and they have loads of tutorials on how to budget better.
Most OS projects of this scope have a large corporate sponsor or a source of revenue. Chromium has Google and Firefox has search engine revenue. LibreOffice has none of these. TDF doesn't hire a single programmer and all the bug triaging, regression bisecting is done by volunteers. So if you're looking for a projected to help out, consider them by starting here.
They could really use your help triaging bugs, helping bisect regressions, with documentation, or answering Ask LO questions.
EDIT: they're starting a Bug Hunting Session for 5.2 now here.
I hope the Sifr icon set becomes available generally for Qt/GTK (especially KDE) https://www.libreoffice.org/assets/Uploads/EN-Project_images/4.2NewFeatures/FlatIcons/Screenshotfrom2013-11-1915-33-23.png
This is the link I got in the email!
Try out Google Docs. http://docs.google.com
You can upload Microsoft formats and edit them online.
Another alternative is to download OpenOffice. It is an open source clone, but that comes with some downsides. Occasionally when moving between openoffice and Microsoft office there will be formatting problems.
Automatic updates would be good, indeed, but it's pretty complex to do properly. It is being worked on, as per this talk from FOSDEM '18: https://archive.fosdem.org/2018/schedule/event/ode_automatic_updater/
Of course, as with all things open source, more help would be very welcome: https://www.libreoffice.org/community/developers/
It's a zero-based budgeting tool, i.e. all your money is assigned a use prior to spending.
They switched from a desktop client to a subscription-based product ($7/month). There is an app for any platform you want (iOS, Android, Web).
/r/ynab
It is budgeting software. I work in the tech industry and I spent a long time trying out different money management programs. It was the best I found. They key is to take the time to do the training and fully understand the concepts as well as how the app works. There is a whole method that goes with it.
https://www.youneedabudget.com/
Start out with a 4-month free trial:
https://www.youneedabudget.com/landing/stack-social/
Watch YouTube videos (Nick True's are great), and sign up for YNAB's free classes. (It's fine to take the same class more than once.)
The first month is tough, confusing, and often discouraging. YNAB is almost certainly different from any budget you may have used before. Stick with it. Ask for help. Four months should be long enough to see whether YNAB is going to help you feel more in charge of your money and whether it's worth the $111(?) Canadian. Best of luck!
>if i have 20 in the bank the first i do is “hey i got some money let’s spend time together”
A bit off topic for this subreddit, but that is an incredibly stupid financial decision. If you only have 20 in the bank, then your finances are fucked, and any unexpected emergency that requires significant monetary outlay will ruin your financially for years.
Note that while Oracle got the brand OpenOffice when they bought Sun Microsystems a very long time ago, they did not do something with it. Almost all the developers went to LibreOffice, which is a lot more up to date.
came here to say this. Broke is a "how not to do things" for people that come into windfalls.
basic investing: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy
MMM audio podcast though: https://www.youneedabudget.com/blog/post/jesse-interviews-mr-money-mustache-the-full-transcript
> OpenOffice.
Or rather OpenOffice's community continuation, LibreOffice (it's pretty much just a rename from when the community broke away from Oracle after Oracle bought Sun).
It can be downloaded here.
You WANT to budget your savings. Really!
You're probably thinking of your 'budget' being your 'spending plan', and you naturally don't want to 'spend' your savings, so you think you don't want it on-budget. But that's the wrong way to think about it.
YNAB is all about giving your dollars a job. ALL of your dollars. And one very important job for some of your dollars is savings.
So, what you do is, you create some savings categories, and then you allocate ('budget') your savings dollars to those categories. THIS is what keeps your savings dollars safe from being spent on anything else, and giving those dollars jobs in categories is the magic of YNAB.
Here's an article that explains it, and here's another article about the relationship between your budget, and your accounts.
Tracking accounts are only really recommended for things like investments, where the value regularly fluctuates, and/or for money that is not liquid, and you will not need to use it for a LONG time (like, decades...i.e., investments).
Tough love time; YNAB isn’t the problem here. You are.
YNAB is telling you exactly how you’re doing. You don’t have enough money to cover your bills in the first half of the month and buy groceries.
If when confronted with that reality, you throw your toys out the pram and start ignoring your budget, how do you expect YNAB to help?
It’s not YNABs fault you’re overspending. That’s on you. Nothing anybody says here will help unless you’re prepared to start paying attention to your budget, even when it tells you things you don’t want to hear.
Once you’ve done that you have a couple of options,
Spread the bills due dates across the month so they’re not all due from one pay packet.
Once you’ve paid off your mid month credit card debt with your second pay check, put some of it toward bills the following month, so you’ve got a little extra to play with next time. Then budget the remainder to the things you need in the second half of the current month and stick to that budget militantly.
Read this
I’ll third YNAB - they also have lots of training videos/articles - at least one is for variable income like you mention
10 + 3 more actually, and 10 of them will be discussed during their conference this Friday. Here’s a tool to keep up with all these cases:
https://airtable.com/shrcrC5FsedZqIi3T/tblMclNyymYiklOOg/viwM47ZZsFWQo69Vf?blocks=hide
The Bernie campaign needs Iowans who can provide housing or know of low cost housing options for out of state volunteers! Please share this link with Iowans https://airtable.com/shr3PnUTrAIRciTFb and join /r/IowaForSanders
Yep, looks like it. Found the listings here for anyone who wants to give acting a go. You get paid ok for some easy work but long hours. Sometimes just paid to do nothing.
Appears to be just a rename/clarification of the LibreOffice packages? You were always trailing behind with LibreOffice, unless you installed libreoffice-fresh. Now it's clear you are doing so with name libreoffice-still.
Edit: it's just alignment with upstream naming. Both versions are stable ;)
Someone had mentioned in that other post that Paypal added 2$ to the account, so you cant close it. However you can donate that 2$ pretty easy.
I just gave mine to Libreoffice:
YNAB's Wish Farm article has a technique that I started using. It's towards the very bottom.
Create a category for your specific trip, but before you spend it, transfer the balance into a more general category, like Vacation. Then spend out of your Vacation budget. Then delete the now empty category for the specific trip.
You get the benefit of seeing a specific goal in your budget and watching it fill up, but when you spend it it'll show up in a more reasonable way in your reports.
Every time you spend money write it down (on paper, on a phone app, doesn't matter). Do this for a whole month. Seeing a giant list of all your wasted expenditures can shock you into being more responsible.
Then make a fucking budget, man. You're living above your means.
Make an account for cash, not a category - and budget the cash just like you would your checking account.
When you withdraw, make a transfer to the cash account, and record the spending as usual. They recommend rounding up to the nearest dollar so you don't lose your mind when trying to reconcile.
Video: https://www.youneedabudget.com/support/video/handling-cash
I know Geogebra is free and really user-friendly. It's great for high school level math, and there's also a free tablet version available as well. I'd highly recommend it for your student.
That's great. Glad to help. Here's a link to my full spreadsheet which includes nutritional info for a lot of stuff. It's not very polished but gets the job done for me, and it's ever evolving. You're welcome to download it and use it to kick start your own if you want.
Try LibreOffice. But I don't recommend their opendocument format for saving and instead prefer .docx format.
I've heard to export your resume in pdf format to ensure prospective employers see the file as you intended (LibreOffice has an Export as pdf option).
You can download Open Office or Libre Office. They're open source versions of Word and several other Microsoft Office products. The two are basically identical, but Libre Office is updated more often and Open Office is now being run by Apache. You'll find people who prefer one over the other (due to the way development is going), but they're both nearly identical. Both will open Word files as well as save documents created in the software as a Word file.
You don't want to delete a category that has transactions attached to it. Hide it instead.
Or, move the transactions to a different category, and then you can delete it. Normally I'd say don't bother, it isn't worth the hassle.....but if you've had this category for one month, it's probably do-able.
Normally, the best way to handle categories that you know will be a one-off, is with the wish farm method. Basically, let's say I want to buy a fancy new garden rake. I create a category for Fancy New Garden Rake, and I save up for it. BUT. I don't use that category for the transaction when I purchase the fancy new garden rake. Instead, I move that money to my Home Maintenance category, and then I buy the rake, and assign the Home Maintenance category (maybe putting Fancy New Rake into the memo field). This way, I assign a category that I'm keeping around for a while, and I can now delete, or rename the Fancy New Garden Rake category, with no ill effects.
"she said girls of their cultural would respect her..." I'm DYING with laughter because my auntie is Chamorro (Guam), and we have a lot of Polynesian people at church. I've never met any islander women who would put up with this shit. Glad your BF is finally seeing the light.
Edit: If he's trying to learn how to budget, try this. Works great. https://www.youneedabudget.com/
So here is the current spreadsheet for my trades this week. It's just a rough version for now because there are so few entries.
When I get more data I will probably break these up into sections to focus on each trade type. One for Breakouts, one for EP, one for Other (market timing plays like these ETFs basically). I want to break down these trades in detail and get data such as winrate, average loss size, average win size, and so on, but that will take time.
I believe this is a permanent link that will be updated as I update the spreadsheet. I'll try to update as often as possible but I can't promise it will be every day.
This is the fifth bugfix release of the 5.2.x branch of LibreOffice which contains new features and program enhancements. As such, the version is stable and is suitable for all users. This version may contain a few annoying bugs which will be fixed in the next bugfix versions to come. Detailed release notes can be accessed from the list below.
Hooray! Our story is nominated for 2021 WEBTOON CANVAS.
This award will go to the one with the most votes. Please vote for us!
Link for voting: https://airtable.com/shrmlkGVg2pxEEY8K
(Our story is the first one under “Comedy” category.)
(Please attach the screenshot with your nickname on WEBTOON for identification.)
Thank you all for the support and encouragement for HOW TO BE A MIND REAVER. Your kudos mean everything to us.
> Do you just set the "Target Category Budget by Date" every year?
Yup. In fact I have a whole category group just for non-monthly bills. I set goals on these categories, due the month before the bill is due.
But I treat it like a Wish Farm in that I don't spend out of these categories. Instead, when the bill is due, I move the money in them to a more general category, then reset the goal.
For example, my car insurance is due next month (I pay every 6 months). I will move that money into Car Maintenance, and pay my insurance out of there.
This way, if I stop having one of these bills in the future (unlikely with car insurance, but maybe I'll drop Amazon Prime or AAA Evernote some day) I can just delete these categories without losing any history.
Save for specific things like that in a category, but then move the money to a more general category before spending it. So in your example, I'd save in an "Apple Watch" category. But then when I was ready to buy it, I'd move the money to my "technology" category and categorize the transaction there instead. Then you can freely delete the apple watch category and you have more accurate reports.
Check out the wish farm blog. It's a good method. - https://www.youneedabudget.com/wish-lists/
Sounds to me like you're living the credit card float.
You're not using your savings to pay for your bills, so YNAB doesn't care that you have money to cover your bills in that account.
https://classic.youneedabudget.com/support/article/understanding-the-credit-card-float
https://www.youneedabudget.com/are-you-riding-the-credit-card-float/
TL;DR - You Need A Budget!
No really, YNAB. It's fantastic. /r/hailcorporate and all, but in this context, it's really helped the wife and I stick to a budget and gives me all sorts of shiny graphs and charts.
For the truly Frugal route, add it to your Steam wishlist and wait for the summer sales. Managed to pick it up for 75% off that way.
Upvote so others can see this comment.
Tips are:
- The unit of Z is damage
- One of you said that red was AD and green was either crit or fury. This is correct.
- The strategy is not new but as far as I know, no one has optimized it yet (which might explain why it's not well known)
- One of you asked for the graph and here it is. If you copy paste:
f(x,y)=If(0≤x≤400 ∧ 0≤y≤100, (y)/(100) (0.75 x-175))
In geogebra 3D, you'll get the 3D graph.
> Why does LO have all of the MS Office software equivalents....except for OneNote?
Because... nobody has volunteered to implement one :-) New features don't just appear by magic, and someone has to work on them. As an open source project, LibreOffice's features are implemented either by volunteers who are "scratching their own itches", or by certified developers working on behalf of customers.
If you really want a OneNote equivalent in LibreOffice, get involved and make it happen! Or consider funding a certified developer to work on it. Those are the best ways to make wishes a reality :-)
FYI THE DEADLINE TO TRANSFER YOUR EDC 2021 TICKETS TO EDC 2022 IS APRIL 15TH (NEXT THURSDAY)
If you miss the deadline you either have to bite the cost, sell your ticket or go anyway.
>However, that made it so I didn't put anything towards my savings goal
Your savings goal should be a part of what you budget for each month. Enter it in, just like a 'bill'. The Budget Template should help you with arranging for this.
Your money will naturally age, as you put away more and more of it that you don't spend for a while. This includes savings for a down payment (if those savings are on-budget). If you send money off-budget for any reason, then the age of your on-budget money will naturally (potentially) drop. (It depends on the calculation of the last 10 cash-based transactions.)
Regardless, Age of Money is a slightly weird metric, easily gamed or manipulated in all sorts of ways, both deliberate and accidental, and you shouldn't make trying to increase it a goal - rather, just do your budgeting thing, set money aside for the future (however you do it), and your AoM will naturally increase as a result.
YNAB (You Need A Budget)... it saved my life. If you are a student you can even use it for free. https://www.youneedabudget.com/ no joke. try it out.
EDIT: it is a flexible budget that you don't have to stick to 100% like you obviously have a hard time doing.
You need the 64bit Firefox on Windows and you need to go to a page that supports the WebVR API. There are a lot of examples here: https://airtable.com/embed/shr2Lc7pmlJis02R4/tblZbV2S0W0T5DDth?viewControls=on
Much more interesting read about size, memory and speed improvements, lines of code removed and servers load decreased: http://people.gnome.org/~michael/blog/2011-06-03-libreoffice-3-4-0.html
And don't miss last link from original article: https://www.libreoffice.org/download/3-4-new-features-and-fixes/
The specific case referenced above is:
New York State Rifle & Pistol Association, Inc., et al., Petitioners
v.
Kevin P. Bruen, in His Official Capacity as Superintendent of New York State Police, et al.\
ARGUMENT SET FOR Wednesday, November 3, 2021.
Key point:
> Petition GRANTED limited to the following question: Whether the State's denial of petitioners' applications for concealed-carry licenses for self-defense violated the Second Amendment.
I don't see any point to adding your name to a list for USCCA. SCOTUS doesn't make rulings by petition. And I am a member of USCCA.
So, my SO has recently switched to self-employment. For our situation this means that we have one fixed (mine) and one variable (his) income, and I've found that the YNAB method is perfect for this, because of YNAB's central question: "What does this money have to do before I get paid again?" Even if you don't know exactly when or how much that is, it really puts the focus on your immediate priorities.
YNAB expressly tells you *not* to budget with anticipated income. It's easy to fall for that trap when you have a fixed income you can expect on the same day every time. You can't do that, which is exactly what YNAB wants from you. To work only with the dollars you have.
YNAB has a great 9-part series called Mastering a Variable Income, which I think you'll find very useful to read.
First, congratulations on the progress. Depression sucks, and the progress you've described can take a lot out of a person. Don't expect to be able to get all your sh*t together at once.
Second, in terms of mindset: since you're having a hard time thinking of money as something to save, I would ask what you're saving for. Do you have savings goals? If you're trying to save just for the sake of saving, and you're not getting there, maybe the goal isn't meaningful to you. Set a goal that means something. If you're saving for, say, a new phone, or an emergency fund, or a gift for your SO, you'd have to really think: do I want to pull this money out of savings and spend it on something silly? Is it worth being short x for [meaningful goal]?
Third, I can't tell if you're familiar with the YNAB system. If you aren't, do check out the method. YNAB is about giving every dollar a meaningful job.
Finally, do you and your SO talk openly about finances? If they make 3x what you make and are expecting you to keep pace with their spending, the discrepancy is going to get bigger and bigger the longer you let it go on.
Have you looked at https://www.libreoffice.org/ ? It has open sourced options to MS office products and some other stuff too. As long as you aren't using really esoteric features, it's essentially fully file compatible. Totally free. No subscription.
May I suggest establishing a budget, tracking your expenses (to the cent, not just rough estimates), and getting in the habit of sticking to it and checking it before spending any money? You can set up your recurring expenses and allocate your income to the essential bills before funding your savings and spending categories to ensure that your essentials are always covered at the very least. But you need to also develop the self control to stick with this.
YNAB is a great tool for this, and students can get it free for a year. https://www.youneedabudget.com/landing/students/
Workshop - although it's titled 'Budgeting when you're broke', it provides a pretty good overview of how to enter things, etc.
However - some of this might not be as useful to you, because if you purchased it on Steam, then you've probably got YNAB4, not nYNAB, which is the web app. Most things are the same or similar, but not all.
I'd recommend YNAB, go check out r/YNAB and try a free trial from https://www.youneedabudget.com/
YNAB isn't just an income/expense tracker, it's also a bit of a different mindset from other things. Like Mint for example, Mint is great for tracking where your money went but not where it is going. YNAB takes the philosophy of giving every dollar a job as soon as you get that dollar, not before, and then updating your budget when you actually spend that money.
I had a budget sheet in excel for bills and income, then I had Mint, but when I got YNAB I really got a much better idea where my money was going and I've been able to save so much more money with it.
Hey there! I actually did the same thing last month, so I think I can help you.
What you're talking about doing is called front-loading your 401k. If you can do it, it's a pretty good move for the following reasons:
- Time in the market is better than trying to time the market. Basically this means that the sooner you can get your money into the market, the better your chances are of making money over a long period of time.
- After you finish, your remaining paychecks for the year will feel a lot bigger (even though the math works out to about the same).
Things to consider:
- How are you with budgeting? It's weird not getting paychecks, so make sure to set aside the money for each month and do NOT touch it until that month. I'd highly recommend checking out YNAB (https://www.youneedabudget.com/). It will help for this, but is also an amazing tool in general for managing your money and making sure you're hitting all your goals.
- How does putting 100% in affect your other deductions (like for health and dental insurance, etc). If you put 100% of your check into your 401k, you may not have enough for those. My HR recommended putting 80% in because of this, but I would double check with your HR on that.
- I'd say check to make sure you don't miss out on your employer match, but I can see you already did that.
EDIT: I recommend reading jorge1209's comment below - for this situation, it would actually be better to put the $24k in a taxable account and fill his 401k normally throughout the year, so that he doesn't have a bunch of cash sitting around uninvested.
Office: Libreoffice (forked from OpenOffice quite a while ago)
Corel Draw: Inkscape, perhaps? (I've never used Corel Draw, but it seems to be vector drawing.)
What exactly makes you think that? The fastest ~~point~~ path between 2 points is a brachistochrone curve. It changes when the points change. So of course the two examples won't be identical.
I'm really not sure why so many people are getting confused over this. You can play with it here: https://www.geogebra.org/m/bHQNJvZC
Notice the steeper the slope between a and b, the closer it resembles the vsauce video. The more gentle, the closer it resembles the simulation.
If you want such a feature, join in and help the volunteers to make it, or consider funding a certified developer to work on it! See here:
https://www.libreoffice.org/get-help/frequently-asked-questions/#features
well initially I had no idea what AoM was or how it might benefit me. In the beginning I was putting a lot of money in the “Stuff I Forgot to Budget For” category. That category, for me, acted as a mini-buffer and a catchall for any random transactions that didn’t fit cleanly into categories I had already established. But it didn’t seem like I was utilizing that category correctly. So I started looking in to what a true buffer is and what it can do.
I found that if you want to Age Your Money (YNAB rule #4) you have to create a buffer in your main account that is equal to 1 months worth of expenses. This allows you to “free up” your reoccurring income and not worry so much about a drawing your account down to zero. It helps you to roll with the punches a bit better and pay bills a little easier.
For example, my internet bill is due at an awkward time during the month. I used to be late paying it all the time. I’d try to pay half of it across 2 paychecks just so I wouldn’t go negative in my bank account but I would end up always paying a late fee. I’ve noticed that since I’ve been able to increase my AoM, I’m actually able to set the money for that bill aside ahead of time, which is honestly huge for me. I know now that if anything crazy comes up, I won’t be scrambling trying to figure out where that money will come from, and my buffer will protect me from having to dip into my emergency fund.
I feel like that’s a horrible explanation, haha. Really focusing on building a buffer and getting more granular with my categories so that there were fewer “forgotten” expenses popping up really helped me.
Here is a link to YNABs website that get into the nitty gritty of it and really helped me out
Consider using something like You Need A Budget https://www.reddit.com/r/ynab https://www.youneedabudget.com
Budgeting and accounting software to help with personal finances. Changed my life when I started using it a few years ago.
To save for your "wants", you need a Wish Farm.
Beyond that, my personal recommendation is to save a small emergency fund first and then focus on paying down your debts one at a time. It will free up so much cash flow to water your wish farm and YNAB is awesome in helping you do this. For me, the Snowball method has paid down debt much more rapidly than the Avalanche method ever did.
I've just started using YNAB for the past two months and it has helped me a ton so far. It imports all my transactions from my Bank (RBC); you can check to see if it is compatible with yours. https://www.youneedabudget.com/