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My probation was supposed to be of 6 months (i.e until June 2022), but today I received a notification in Workday that I have passed my probation.
How is this possible?
I was planning to resign within probation for 30days notice period. But now this happened. Will this change my notice period to 90days??
Natwest group
Need 15 likes for DM. please help.
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You can always budget out in excel
Thanks, EY1! Yes, would love to hear more about your personal strategy. I only have one credit card, which is attached to my bank account. I think the budget tracking categories are garbage. 😬 I was also using the CC for cash back program but really don’t think it’s worth it. I’m switching to cash only, in true Ramsey fashion.
Regarding investments, I’m doing 10% 401k (5% matched) but nothing else until student loan (4% simple interest, 5-year term) is gone. I’ve got 38% of income funneling into the student loan but trying to increase that number to speed up the process. Will then funnel that 38%+ into other mutual funds or real estate.
I don’t really use budgeting function to be honest but Personal Capital imports all your transactions. On a side note, I used to like Dave but he has some major holes in his plan imo. You should check out the dough roller (Rob Berger). He is my favorite
Great points. My only debt is student loan (4% simple interest, 5-year term). I currently put 38% take home to that loan but would not even consider giving up 5% employer match on my 401k (and am even contributing 10% total). I’m torn on the credit card, but probably because my bank’s rewards are useless. I also plan on developing real estate in ~5 years but realize I would need to find a mortgage company that does manual underwriting if I don’t use any type of credit (my student loan won’t show up since I did a private refinance). Manual underwriting doesn’t seem like a big deal to me though. I completely understand your style point, although I find him incredibly engaging haha 🤷🏻♀️
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After trying different apps, I ultimately settled on using excel. I haven’t found any app to have great expense categorization and found that hunting through and recategorizing expenses was more frustrating than just categorizing them myself to begin with. Additionally, going through statements and doing my own categorization helped me better understand and be critical of my expenses.
Thanks, D1. Sounds like I need to learn how to use excel. 😅 I’m with you though—I want every dollar accounted for so will get frustrated if the categories don’t work for me. Probably best to just keep doing things manually (and switch from word to excel). It takes time but worth it to see every detail.
You love Dave Ramsey but haven’t considered Every Dollar? It’s a decent enough app. I like Personal Capital more, but for my own budget I use an Excel sheet so I know I’m not missing anything and don’t have to worry about connection issues.
Very interesting. I may have to add that to my list. Yeah, I can totally see how the themes from the 20s and 30s are transferable to what’s happening now. And yes, Ramsey’s message is clearly a result of his personal experience with debt/finance. A smart (and safe) plan but not the only plan. I like hearing from all sorts of perspectives. This is great!
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Thanks, A1! Looks like a great app, although I wish it would let you customize expense categories. Might be an issue with most of the apps.
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Mints worked for me. I use it to categorize my expenses then export to excel for more detailed tracking
Thanks, IC1! I have heard good things about Mint. I’m reading that it lets you adjust your categories more than other apps, which is great.
I tried mint but it sucked so now I’m just using my own discipline. That’s really all it takes.
Thanks, D1!
My friends use YNAB- you need a budget and they love it. Personally I use excel
Good to know, thanks!
I use money manager by RealByte. I dont connect my cards, but I think that's an option in the app? You can also customize all your categories
I’ll check it out. Thanks, KPMG1!
For free trackers, I have used Mint, Excel, and Personal Capital. For an automated process, I prefer Personal Capital, because it also tracks your net worth changes over time and gives you a more in depth analysis of your spending, savings, investments, and retirement outlook. The dashboard is also easier for me to read than Mint’s. Personal Capital also allows me to link to accounts that Mint doesn’t allow yet, like WeBull, and updates more frequently than Mint.
For trackers that cost money, I have heard people recommend YNAB.
Here is a link to sign up for Personal Capital if you’re interested and we will both receive a $20 gift card to Amazon. https://www.personalcapital.com/get-started?utm_source=talkable&utm_medium=other&utm_content=Referral%20Center%20-%20Users%20%2420&utm_campaign=60895&talkable_visitor_uuid=78fd507b-1abc-4ece-973e-e7b522a18455&talkable_visitor_offer_id=107835555&talkable_event_category=link_investment_account&transactionID=bd55bcc5dfe74aa78c33ad7c15b529c4&friend=Lily&pageMode=referral&c3ch=Referral&c3nid=user
Awesome. Thank you, EY3! I’ll check it out & will use your link if I decide to go with Personal Capital.
I use Albert, really like it
Cool, I’ll check it out. Thanks, A2!
YNAB shill here - tried other methods but this is the first one I’ve stuck with. Almost two years in and my savings rate has increased exponentially
Stay quarantined so you don’t need any app
Good for you for making the most of your quarantine!!