You are certainly well aware of the tax advantages that come with having a home office if you are self-employed or run a small business. You can minimize your overall tax liability and save money on taxes simply by deducting a home office from your income. We'll go over how to deduct a home office, its benefits, and its downsides in this article.
The Process for Deducting a Home Office
You must first decide whether your home office qualifies for a deduction before you can claim one. To do this, you must utilize the area on a regular basis for management or administrative tasks and purely for business needs. Either the usual approach or the simplified method can be used to calculate the deduction. You can deduct $5 for each square foot of your home office, up to a maximum of 300 square feet, using the streamlined approach. The conventional approach calls for you to determine the precise costs of your home office, such as rent, utilities, insurance, and repairs.
The Benefit of a Home Office Deduction
It is obvious why having a home office is valuable: it can drastically lower your tax liability. If you utilize the simplified approach and have a 300-square-foot home office, for instance, you can deduct $1,500 from your taxable income. If you are self-employed or run a small business, this could result in significant tax savings.
The Negative Effects of Home Office Deduction
While there are many advantages to writing off a home office, there are also some disadvantages to consider. One of the major negatives is that it can make you more likely to face an IRS audit. Taxpayers who claim home office deductions are more likely to be audited by the IRS because of a lack of understanding of the tax system. TTF has a Home-Office mini-lesson that can clear up most of the confusion you may have.
References:

• IRS Form 8829
• IRS Publication 587
• Podcast #17: Home Office Deductions Explained

Why TTF?
It's crucial to keep up with the most recent tax laws and regulations if you want to make the most of your home office deduction. For this reason, we urge you to join Teaching Tax Flow. TTF will give you the most up-to-date tax knowledge, strategies, and support, including details on the home office deduction. Be sure to listen to Episode 17 of the "Teaching Tax Flow" podcast if you want to learn more about the home office deduction. We go into further detail about the benefits, procedures, and cons of home office deductions in this episode.
In conclusion, home office deductions can be a significant tax benefit for business owners and entrepreneurs. To be able to make wise tax judgments, you must, nevertheless, be aware of the procedure, the worth, and the disadvantages of this tax benefit. As always, to make the most of your home office deduction and stay current on the most recent tax laws and regulations, subscribe to the TTF podcast, and secure your membership today.

Having recently been evicted so my previous landlord could only have members of her Christian community in the house... I'm not the biggest fan of landlords at the moment.
I've been living with my new landlady since December and she is from an incredibly wealthy family. She's my age (27), owns a 3 story house with a basement flat attached and has never worked a job. I don't think she gets monthly handouts from her family (who knows) but she certainly takes in £2000 a month from rent. She doesn't have a mortgage and she probably doesn't pay tax (she is clueless about bureaucracy - when I asked for a tenancy agreement, her response was "what? why do we need one of those?). For context I earn £1200 a month and pay £525 rent for my room, £200ish bills, left with £475 for living costs. So her income from rent is definitely substantially more than my income from working full time (term time only, hence the low wage).
I have had a hard time processing my anger about the rental system, wage inequality, class inequality, etc etc whilst also building a relationship with her as a housemate. I think she is genuinely a well intentioned person who is oblivious to what life is like to most people. She complains about being skint because she thinks it helps me connect with her!! She is desperate for connection and has had a lot of intense conversations with me about authenticity, openness, community... Very boho/middle class hippy vibes.
I've managed to keep in my frustrations although we have had brief conversations about class before - the context is me not feeling social after work, her feeling upset that I avoid the kitchen when it's busy sometimes, me explaining I'm an introvert who works 9 hour shifts in education. Both my housemates went to private school and don't work. I told them honestly that it's hard to explain my situation to people from such different worlds. I think she kind of wanted to understand but she started to tell me how hard it is that people judge her for being rich. I told her that sounds tough but also isn't comparable to my experience of being on a low wage and the systemic inequality that I'm on the losing end of.
So we have had some difficult discussions about inequality but I really want to explain to her why I believe profiting of others labour isn't ok. I'm moving out next month and I don't want to upset her but I also feel like people in her position need some kind of wake up call and it's my duty to at least try to explain. She could change people's lives by offering affordable rent. Her livelihood is subsidised by the hard work of millions of other people. People with wealth get so much handed to them on a plate and don't realise it - they are part of the problem and will continue to be until they address the power they have. Does anyone have resources about the topic that are beginner friendly and not antagonising?

So...here's the thing...
I've come a long way with regards to my people pleasing tendencies. When my MIL blatantly disrespects boundaries (i.e.- my husband and I say "no" and she disregards the no/tries new tactics to get her way) I have no problem putting her in her place.
But...what about the smaller stuff? Typically, I try to mostly ignore the "small" things that she does...but they add up. Also-- when she makes a comment that is irritating or controlling or pushy and I ignore it, she'll typically keep repeating herself until I'm ready to explode. Part of the reason why I ignore her is because she HAS to be right, so if you contradict her, you end up having to listen to her anyway. There's no way to win.
For example, we saw her this weekend. Lately, she is hyper focused on my son's eating habits. Here's just a short list off the top of my head of irritating things she did:

• Anytime my son cries or gets fussy, she'll let me know he's hungry (even when he's not). One time, he actually WAS hungry. She hovered over me while I was feeding him and said FIVE TIMES in 15 minutes "See?? He was hungry! He was trying to tell you he was hungry" (or some variation of that comment). It didn't seem worth arguing about so I tried ignoring her. But you can imagine by the fifth time in 15 minutes, I was ready to scream. What's the most polite way possible to say STFU?
• While I was feeding him, she decided it was a good time to lean over me to poke the baby, touch the baby's feet, play peek-a-boo with the baby. I politely told her that he's a distracted eater and he needs to focus on his bottles. She didn't stop. Next time, I plan to leave the room-- but WTF do I say if she follows me?? What else can I say in the moment to get her to stop aside from asking her stop??
• While I was feeding him: He began to drool a little. Obviously, I can see this, but he wasn't dribbling food- just drooling a little. Since he's been distracted (by her), I decide to let him drool (with plans to wipe him up after he eats a little more). MIL takes the burp cloth off my lap and leans in to wipe his face. I was so stunned at the overstep that I was speechless. Next time, WTF do I say?? "Please don't interfere while I'm feeding my son" ???
• We told her that we can't visit her during her vacation this year, because it's summer and she rents the same beach house every year that doesn't have AC. It's SO HOT and stuffy and miserable-- so we don't want to bring the baby. She told me about 500 times that I should just give the baby juice to keep him cool... I considered telling her that the AAP doesn't recommend juice for babies under 12 months...but, again, she is the type that will absolutely argue with you over little things like that. So I ignored her. She kept saying it. The cycle continues.
• On my way out the door- she proceeds to insinuate that my son would sleep better at night if I fed him more solids. (He's just started eating solids- so he's in the exploratory phase of eating, rather than eating for nutrition). She then directly tells me to feed him more. Finally, I stop ignoring the comments and quip, "Well-- he wears more than he eats at this point anyway, so I'm not sure that solids will save his sleep :) :) :)" She then proceeds to lecture me on calories and how the food is more filling and blah blah blah, and I INSTANTLY regret responding in any way.

So, anyway, this is a very lengthy post to say: WHAT do you do about the small annoying comments? Do you ignore them?? Do you engage them and risk the arguments from her??
I KNOW boundaries are not about controlling the behavior of others (i.e.- there's nothing I can do to make her stop) BUT...there has to be some way I can respond that will shut down further discussion.
Do you just hit your breaking point one day and say PLEASE STFU?????

THE compulsive gambler sub consciously wants to lose his shirt, of course, along with everything else he owns, and so he again and again puts down the rent money on the Montreal Expos or 80‐to‐1 2‐year‐old maiden fillies wear ing blinkers and bandaged forelegs. And if he's nothing else, Walter Matthau, the 50‐year‐old stage and movie actor, is a compulsive gambler. A few years ago, for instance, while in Florida to film episodes of a TV series called “Tallahassee 7000,” Matthau breath‐takingly managed in a mere two weeks to drop no less than $183,000. He lost the money, moreover, not by backing crippled nags at Hialeah but mainly instead by betting on the outcome of spring training baseball games, a way of tossing bundles of money out the window that should surely that year have won him the Nobel Prize for masochism.
Since dropping that $183,000, sum that eventually took, him six years to pay off to his increa ingly impatient Mafia ‐ connected book maker, Matthau has cut down con siderably on the amounts that he bets, especially when he goes to race tracks, and on a good day at Holly wood Park he can now come happily home having lost only $400 or $580.
Still, he continues casually to bet thousand dollars or so on things like N.B.A. play‐off games or whether or not a friend can name the capital of Albania, and so remains a prime example of the evils of gambling to all those New Yorkers who are thinking of taking a first‐time fling at the ponies because of an easy access these days to offtrack betting windows in Grand Central Station and elsewhere. “I think that off‐track betting is great for New York,” dryly remarked Matthau during a recent three‐day visit to the city from his home in California. “I mean, it's so democratic—if they keep up off‐track betting long enough, every body in town will be on welfare.”
Of course, though he has the mo rose, hangdog look of a chronic loser, Matthas is scarcely a loser in everything he gets mixed up in. Far from it, as a matter of fact. For example, when signing contracts for his last several movies he chose to gamble on accepting a percentage of the profits in lieu of a salary, and at least one of these gambles has al ready handsomely paid off—his per centage of “Cactus Flower,” a film he made a couple of years ago with Ingrid Bergman and Goldie Hawn, has so far amounted, to more than a million dollars. And he's also on the way to making another million or so as his share of the profits from each of his two most recent pictures—“A New Leaf,” a wacky comedy in which he is co‐starred with Elaine May, and “Plaza Suite,” the film version of Neil Simon's exceedingly successful Broadway play. So, unlike almost every other compulsive gamb er in the country, Matthau is nowadays just about literally rolling in money. Besides, pleased with the way that his career is going, with his marriage, with his three children, and with his seaside home in Pacific Palisades, Calif., Matthau is even happy, an emotion not normally associated with the compulsive gambler.
HOW does a compulsive gambler get to be one? The story of Matthau's life is perhaps an object lesson to all of those who have lately been spend ing their lunch hours in Grand Cen tral Station to wait in line for the dubious privilege of giving away their money to Howard Samuels and his Off track Betting Corporation. In any event, Matthau was born on the lower East Side of Manhattan on Oct. 1, 1920, the son of an impoverished Russian‐Jewish immigrant from Kiev, in the Ukraine, and of a Lithuanian born Jewish mother.
When Matthau was 3 years old, and his older brother, Henry, was 5, his father, a worker at such odd jobs as serving subpoenas for law firms, lit out for parts unknown, leaving him and his brother to be raised by their mother, Rose, who managed to scrape a marginal living for herself and her sons by working as a sewing machine operator in garment district sweatshops. In 1935, when Matthau was 15 years old, he learned of his father's death in Bellevue Hospital. His mother is still living, and—sup ported in the grand manner by her sons (Matthau's brother lives now on Long Island and is a jobber of surplus Army‐Navy goods)—divides her time these days between a penthouse on West End Avenue and a condo in Miami Beach.
During his childhood, Matthau, his brother and his mother lived in succession of cold‐water tenement apartments in the Ukrainian area of the Lower East Side, that is, around East Fifth Street near Second Av enue, being forced to vacate each apartment after only a few months because they'd got so hopelessly far behind in the rent that their land lord would have them evicted. Years later, when Matthau briefly sublet Paul Newman's house in Hollywood for $3,700 per month, he recalled with a shake of his head that $3,700 was more money than the Matthau family had spent on rent during 20 years on the Lower East Side. Mat thau, however, hasn't the slightest nostalgia these days for his poverty ridden childhood. “It was a night mare—a dreadful, horrible, stinking nightmare,” he grimly remembers.
On the Lower East Side, Matthau recalls, the highest ambition of most of his class ates was some day to become a salesman for a garment district dress house, for he himself secretly had far more exalted am bitions — by the age of 8, a day dreamer, a loner, a reader of Shake speare, he'd already determined to become a famous writer and actor. Encouraged by a teacher who ad mired his speaking voice, Matthau appeared in a number of school plays and also regularly recited poetry in school assemblies. On East Fifth Street, anyone who evinced an interest in poetry was thought by his classmates to be seriously lacking in machismo, and Matthau often found himself getting beaten up at recess by schoolyard bullies. So, already feet tall by the age of 10 (he weighed only 90 pounds, however, and, says Matthau, who is today 6 feet 3 inches tall and weighs 180 pounds; “when I drank cherry soda, I looked like thermometer”), he put himself through a regimen of muscle‐building until “I had Popeyelike bumps on my skinny arms and could beat up any body who made snide remarks about my poetry reading.”
When Matthau was 11 years old, in fact, one of those whom he alleges to have beaten up in the schoolyard was none other than Rocky Graziano, who grew up, of course, to become the middleweight boxing champion of the world. Of Matthau's claim to having beaten up Graziano, one can unequivocally make the following statement: The story either is or is not true.
IN any event, along with being a compulsive gambler, Matthau is also something of a compulsive stretcher of the truth. Or, to put it perhaps a bit more tactfully, a compulsive weaver of fiction when it comes to talking about his past. For example, bored with repeating the story of his life over and over again to interview ers, Matthau has on more than one occasion told newspapermen and magazine writers that his father was a defrocked Russian Orthodox priest who'd had to flee for his life from Czarist Kiev in 1906 because he'd been preaching sermons in support of Pope Pius X. And this story, told by Matthau to interviewers with an absolutely straight face, has appeared several times as the God's truth in such usually accurate publications as Time and Current Biography.
NOT long ago, too, when Matthau was in New York for a round of newspaper, maga zine, radio and TV interviews to promote “Plaza Suite,” chanced to be in earshot when he told a story to Neil Simon that he'd heard the night be fore from Gene Saks, the director, about a somewhat aging and hard ‐ of hearing actor who'd had trouble re membering his lines in a play last winter at the Palm Beach Playhouse in Florida. So, as Matthau told the story to Si mon, a prompter, unseen by the audience, was hidden in a hole cut into the front of the stage and instructed to call out only key words to the actor when a line was for gotten. “Drastic,” whispered the prompter when the actor went up in his lines on the opening night of the play. From the hard ‐ of ‐ hearing actor, no response. “Drastic,” repeated the prompter in a somewhat louder voice. Again, no response. “Drastic,” the prompter now all but shouted. Still no response, upon which a man in the second row of the orchestra stood up and yelled “Dastic!” The actor heard him, smiled, remem bered his line, and the play went on.
As show‐biz stories go, not bad. Not so great, either. The following evening, however, happened to be on hand when Matthau was being inter viewed by David Frost on Frost's TV talk show and was asked, “What was your most embarrassing moment in the theater?” And, without batting an eyelash, Matthau pro ceeded to tell the “drastic” story as though it was some thing that had happened to him years ago on Broadway.
He concocts personal anec dotes that aren't true, Mat thau later somewhat abashedly told me, because they liven up otherwise boring inter views and make his past seem more colorful than it really was. “Like saying that my father was a Catholic priest — I figure that makes me more interesting than just another Jewish actor who had a pair of Jewish parents,” Matthau explained to me with a grin. “Jewish and Catholic— if I can just work a Protestant into my background, I'm all set.”

First time posting so apologies for any mistakes, all my financials at the end. Essentially, I’ve been apartment shopping in dallas for my job which starts next month. I had a decent place lined up for $1690 for rent (me and a roommate). That night at our hotel in another location (20 mins away), we literally saw a car get stolen and got us thinking whether we should maybe invest in a nicer location. We found a place down the street for $1930 which is gated, has garaged parking, and a overkill interior (marble top, etc…)
I’m kind of tied between the two apartments and whether it’s a good financial decision. The first apartment isn’t gated and gives off more of a college student type apartment(what I lived in undergrad) while the second one is more “luxury”. I don’t want one incident to cause me to make a poor financial decision.
My salary will be: 84k Debt: 15k student loans (interest doesn’t start till November) Car: college car with no payments
My roommate is fairly flexible so the decision ultimately comes down to me. All of the rents mentioned with be split 50%. What would be an ideal amount? Any advice would be much appreciated. I need to move in by July.

TL;DR- when managers keep replacing product owners I’m curious if there’s a drawback to doing that
For context, I was the product owner for a dev team and that lasted for a year. Since I joined the company I told my manager that we should focus more on strategy. Recently, I was told by my manager that I am being moved to a “project” that is strategic focused. The team has since then moved someone new into my former product owner role. I have a weird feeling about this, not sure if I am overthinking this.

Just celebrated my 35th birthday last week and was hoping for 35 cards. Well, I did it, and naturally, this subreddit provided the lion's share of the well wishes!
At the end are two cards whose users I don't know. If you responded to my "milestone birthday" post and one of these were sent by you, please let me know so I can give you the credit you deserve!
Without further ado, here's the shout-outs:
mypetitmal - Thank you for the card. My favorite part was the sticker of the man with the flowers in his beard.
alluu3 - Thank you for the card. Your dad joke gave me an audible guffaw!
heymorganm - Thank you for the card. I loved the little "happy birthday" banner you put on the outside.
littlemermaidxx - Thank you for the card. That superhero corgi? *chef's kiss*
spaaaaaacey - Thank you for the card. You were the only person who thought to include an Uno card. I liked the collage with my name on it as well.
MaeveTheBrave - Thank you for the card. Always glad to meet another Iron Man fan - I appreciated the stickers!
jane_q - Thank you for the card. Thank you for the card. I ADORED the hand-drawn hamster eating a strawberry. You've got some real art skill!
welshfancy - Thank you for the card. I am such a HUGE fan of the classic, retro Iron Man look, so your stickers were perfect!
u/welshfancy - Thank you for the second card with MORE stickers! That SoCal vibe is so thing. 100% groovy.
rosiealeo1 - Thank you for the card. You probably get this a lot but your handwriting is lovely, and I enjoyed the nature stickers.
primaryloon - Thank you for the card. The bicycle motif was really cool and I loved the texture of the card, too.
Themis3000 - Thank for for the card. I LOVED the hamster stickers. I'm one of those people who always gets anxiety about where to stick stickers but I think these are destined for my work water bottle so I can look at them every day.
cswl - Thank you for the card. I loved all the little mini-cards with notes on them on the inside, and the Patrick sticker on the envelope cracked me up.
u/wabisabi_sf - Thank you for the card. The black envelope was so swanky, and the wine dog post cards inside, these were amazing! They're all in my area so I can go visit them!
DoraDoodle - Thank for the card. I love dogs dressed up as people and the distinguished gentleman on the front of the "Best in Show" card was a delight.
KnightintheSky - Thank you for the card. Thank you also for acknowledging and appreciating the work I do for hamsters... you're right that little pets sometimes get overlooked, but not on my watch!
shamy52 - Thank you for the card. It's cool to know we're birthday buddies! I hope you had a good one, too!
TigerLady13 - Thank for you for the card. You really stickered it up good (and I loved that!) Thanks also for the post card... dog beaches are my favorite kind of beaches.
DianaPenPal - Thank you for the card. OH MY GODDD the superhero card complete with cape? This was SUCH a cool card! I don't know where you found it but it's amazing!
Jdoodle7 - Thank you for the card. It's rare to find a hamster-themed card but by golly you did it! Great quote on the inside, too, and beautiful calligraphy.
rennbrig - Thank you for the card. I liked hearing all about your vacation in Northern Virginia... I lived in Lexington, VA for a few years, and your story brought back some fond memories.
choffy13 - Thank you for the card. The hamster stickers are exquisite and will be joining the collection ASAP! I loved the wine-themed card and will definitely take you up on your offer to send one back.
Rura_Penthe924 - Thank you for the card. I love that it's local, and I am stealing your brilliant idea to print out a sticker with text to put on the card to make it easy to read and maximize postcard space.
IridiumViper - Thank you for the card. It's always fun to see someone get creative with washi tape, and I appreciate the well wishes!
ghostchild25 - Thank you for the card. It was both bright and spooky, which is absolutely my general aethetic. You also nailed it with the stickers!
birdiebennett - Thank you for the card. I appreciated the stickers and postcards you included. You have one of the best return labels I've seen so far, by the way!
ninajyang - Thank you for the card. The wine tags you included were so cool and elegant-looking. I've put them up on my cork board beside my sommelier schedule.
sea-shine2878 - Thank you for the card. They way you drew the confetti around the date and my name was a nice touch and I loved the way it vibed with the rest of the card. Very creative!
travel4me22 - Thank you for the card. Superhero-themed is awesome... and THEY MAKE SUPERHERO WASHI TAPE?! I love it!
OkayFlan - Thank you for the card. I appreciate the stickers, and I love how you always use multiple interesting stamps on your cards! My favorite was the LEATHERWORKER FOR INDEPENDENCE 13-cent stamp. I'm so keeping that one!
ezw_ - Thank you for the card. I'm glad my post request made you laugh and I thought including the Pokemon card was a nice touch. Those cards were definitely a major thing when I was a kid!
RitaAlbertson - Thank you for the card. I'm always amused by cards with non-card shapes, and your little cupcake was very sweet. (See what I did there? Hahaaa...)
Unknown sender - Thank you! You sent a postcard that says Happy Birthday with an astronaut stamp, and you drew a beautiful little cake on it. Unfortunately the post office stamped over your signature and I cannot make it out. It looks vaguely like "Jeunnie" but that's pure conjecture on my part. I'm sorry. The card was mailed from CA.
Unknown sender - Thank you! You sent a sparkly striped card that says "hi" and you drew a cute little Snoo inside. You signed it as "Bee from RAoC" but I'm not familiar enough with this subreddit to know precisely who you are! I'm sorry. The card was mailed from TX.

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So… this is gonna be a bit of a weird one. I’m looking for some advice.
The short version: I have a controlling/over-involved mom and I’m 30 years old. I moved out at age 23 - later than I would have liked, because of many factors (financial instability, mental illness, etc.) and have been on my own since. We are still in touch, but it’s on my terms and I grey rock her (helpful method of communicating with someone who has narcissistic tendencies). I schedule our phone calls and I generally text her back within ~24-48 business hours. She hates it and wants to talk nonstop and crawl inside of my skin, but she deals with it (and guilt trips me about it, lol). I text her maybe once a week and call her maybe once a month. You know... like a normal 30-something adult.
I’ve been renting the same house here in a different city for 7 years and I want to finally buy a home. My paternal grandpa passed away about a year ago and left me his money because my dad, uncle, and paternal grandmother are all deceased. My grandpa was a very modest blue collar man who worked a menial job and was a WWII veteran (medic) who became disabled in the war. He left me everything - 40k.
However…. He left it in a TRUST. The trust ends when I am 35 years old (FUCKING INSANE age selection, but the man was 98 years old so I do not hold it against him). I will be 31 in two months. Guess who the trustee is? Yep. My mom.
She’s refusing to allow me to use 30k of the trust as a down payment on a home. I’ve done my research. I trust my realtor; he is a friend of a friend and has sold to many people within my immediate queetrans community here in my city. The home for sale is ACROSS THE STREET from my home I’ve rented for 7 years. I've become a member of the community on my block and friends with all of my neighbors over the years. It’s a dream come true.
I get free legal advice through my insurance (very oddly specific and relevant perk) - I called yesterday and am waiting for them to call me back. I’m speaking with a financial advisor as well. He agrees that my mom is being unreasonable. He manages my mom’s money, but her account is separate from mine and he cannot call her up to discuss this trust and advise her against her decision. He said that if I can persuade HER into calling HIM about it, then he can tell her she’s being a nutjob and that this is a perfectly reasonable and wise investment for me.
PS: in January 2023 she promised me that I could use 8k from the trust for my upcoming masculinizing top surgery if insurance doesn’t cover it, but now I’m not so sure about that either.
I do not want to take her to court and am hoping to avoid it at all costs, but I truly am at a loss. The house needs to be closed on by the end of July. The interior of the home is being renovated and the renovations will be complete by mid-July according to my realtor. I have a phone call scheduled tomorrow with my mortgage broker and have no idea how to explain "yes, I have a decent sum of cash I can use for the down payment, but I cannot guarantee I'll be able to access it.")
SOS??? This seems like trustee negligence and/or trustee malfeasance. This is so fucked up and I need immediate advice. Thanks so much for reading.

I have almost no hope of figuring this out, so this subreddit is the last thing I am trying.
So, I want to jailbreak and use my old iphone 5 again. Unfortunately, some time ago, I gave it to my ex to use for a while when his phone broke. Of course, as a normal person, I signed out of my Apple account. Now, a year later, I turn on my phone and I see that after returning it he didn't remove his account. I know the screen passcode, because after receiving it back I asked him to change it and to sign out when he can. He didn't do the latter and it is impossible for me to ask him now (I would definitely prefer to lose the phone)
My questions are:

1. I signed out of iTunes and App Store as it does not require ID password. If I jailbreak my phone and continue to use it as it is, what information am I risking to expose to the person who is currently signed in (location, apps, bank account etc)?
   
2. Is there a way to remove the Apple ID? - The phone is not locked by the "owner" but it has Find my phone feature turned on. I haven't bought the phone brand new, so I don't own any documents.
   

I would be very thankful for any advice, especially on whether I should use this phone or forget about it. :((

Please note: my mind is currently incredibly scrambled with stress, so apologies if this post isn't as well-written as it could be.
I'm 24, male and living in England. My landlord has given me notice to leave my flat by June 25th. I have yet to find somewhere to move into, largely due to lack of places available and the fact that my bank balance is currently very low. Due to this, it means that a lot of places that I've had a look at require a deposit that I simply cannot afford to make. Furthermore, I'm currently not in full time employment, which is an instant rejection for some.
However, a friend has agreed to lend me £600 to go towards making a deposit, however it'll likely not be enough and if I do go for a place, I will likely need to make a transaction of a higher amount in order to move in. This will leave me with an extremely low amount of money.
Furthermore, my next rent payment is on the 14th. I'm likely to have not moved out by then, so I am likely to have to pay something. I don't know how much because I don't know how many weeks past the 14th I will be in my flat.
I do potentially have the option to not move out until July 25th, however if I do that, I will need to pay a full month's rent, which I definitely don't currently have the money for.
So yeah, it's really not a great situation that currently has zero certainty.

Background: Right before the pandemic started I switched jobs, which resulted in my income doubling. Then the world shut down and I used the time and reduced expenses to pay off my credit cards and student loan. I haven't carried a monthly credit card balance in 3 years. My student loan account closed 3 months ago. I split my monthly spending between the two cards (based on the Discover cash back bonus) and pay them off monthly. My credit history is clean, no late payments or derogatory. No inquiries in the last 3 years.
I now have a solid income and no debt and want to maximize my credit card options. What do you think would be the best? I started thinking about this when they opened the Chase Sapphire lounge at my home airport. There's a lot of information out there and I want to make the best decision for benefits/rewards.
CREDIT PROFILE

• Current credit cards you are the primary account holder of: Discover, $8,600 limit, 11/1994; Bank of America, $11,500 limit, 07/2014; Care Credit, $3,500 limit, 07/2019
• FICO Scores with source: Discover FICO Scorecard says 797. I don't see a list by Exp/Equ/TU
• Oldest credit card account age with you as primary name on the account: Discover Card - 28yrs, 6mos
• Number of personal credit cards approved for in the past 6 months: 0
• Number of personal credit cards approved for in the past 12 months: 0
• Number of personal credit cards approved for in the past 24 months: 0
• Annual income $: $112k solo. $165k w/spouse

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: Yes
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
• Dining $: $400-$500
• Groceries $: $250
• Gas $: Maybe $200/yr. I don't own a car but rent when I travel.
• Travel $: $300 flight, $300 hotel, $400 car rental, $400 cruises. These are averages. I spent ~$14k on travel last year.
• Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
• Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $400/mo on concerts. We spend about $5k/yr on concert tickets.
• Any other significant, regular credit card spend you didn't include above?: No
• Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No.

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• Current member of Amazon Prime?: Yes, but my spouse has the amazon branded card and I don't pay for that.
• Current member of Costco or Sam's Club? We have CostCo, but my spouse pays for that.
• Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? Yes.
• Current member of Chase, US Bank or any other big bank?: We use TD Bank.

PURPOSE

• What's the purpose of your next card (choose ONE)?: Travel - normally we use JetBlue or Delta and IHG hotels.
  
• Do you have any cards you've been looking at? I have been looking at the Chase Sapphire Reserve. We have a CSR lounge at our base airport now and lounge access as we travel is a HUGE draw.
  

I've ran into all sorts of silliness buying and trading NFTs on Reddit. Some of these things happen to many by a few habitual offenders. I will not name names.
But here is what I will never do to potential buyers.

1.

I will not buy up 20 of one NFT on Opensea for 0.01, then list them for .04, and turn around and try to tell you that's the floor, and that's what I want while simultaneously snatch up every cheaper one that gets listed.

2.

I will not ask you for floor when I know I'm getting less than the listed floor because of commission.

3.

I will not pretend your moons are useless as the reason I want way more moons than the NFT calls for just because I know you don't have any other means to pay at the moment.
I will also not act like they are worth less than the current going rate just because they are in the red.
It takes a couple minutes to send out and convert.
In other words, I will not try to take advantage of your situation.
I will also not lie that the combined transfer fees sending it out, and converting are costing me $30 in eth.

4.

I will not force you to pay floor while I simultaneously offer everyone else 40% less than floor for their stuff.

5

I will not say "well this is what I'm selling it as" when you can clearly see the last 5 sales sold for less.

heres what I will do.

1.

If I'm willing to sell some of mine,, I will trade you 10% below floor if you pay in moons.

2.

If our conversations are good, and what you are asking is more than fair, you might find that I am sending you extra moons after we agree on a deal. Could be 25 extra, could be 50 extra.

3

If you have little to no NFTs, and really want to get started, I might send you a couple free ones(if they are cheap enough). Endangered animals, rabbits, WCs, Superbowls, and maybe some that are $5 in the shop.

4

I don't need your references. I got by the overall experience with you at that moment. So I will send first 99.99% of the time.
I can see you're very active, have enough karma, and have a collection. No need to beg you to send first.

5

If I ever want more than floor for an NFT, it is because I don't want to sell it, and it would require me to go out and buy it again if I do sell it to you. Which is a hassle for me. I have tried this once before, and I had to pay 0.01extra than what I sold it for to get it back.

6

When and if I decide to sell my entire collection, I will be selling it in bulk discount of 20% off. (In moons)
There's no reason to act like a jerk here. Many people want NFTs for mashups only or collection.
Sellers don't own store fronts to demand the over going rate premiums they want. They don't have to pay $5000 a month rent plus insurances and utility costs to keep their stores up on open sea, and they don't have to pay commissions selling it to you here.
Many NFTs i obtained here from users were below floor. Some NFTs sell at floor because they are being bought constantly. That's understandable, but if one is listed for a few weeks at floor and isn't selling at that price, it's probably due to the fact that it's not worth the floor they are asking.

69, #420, #420420 #69420, #666, #12345 mints are very speculative. People including myself will cough up mega premiums for those.

Sony Pictures! Here are options for downloading or watching Spider-Man: Across The Spider-Verse streaming the full movie online for free on 123movies & Reddit, including where to watch marvel's latest live-action adaptation movies at home. Is Spider-Verse 2 available to stream? Is watching Spider-Man: Across The Spider-Verse on Peacock, Disney Plus, HBO Max, Netflix or Amazon Prime? Yes, we have found an authentic streaming option/service.
Watch Now: Spider Man: Across the Spider Verse Movie Online
Spider-Man: Across the Spider-Verse will be in theaters beginning June 2. If you're wondering how and where you can watch it yourself, take a look at the information below.
​
Miles Morales returns for the next chapter of the Oscar-winning Spider-Verse saga, Spider-Man: Across the Spider-Verse. After reuniting with Gwen Stacy, Brooklyn’s full-time, friendly neighborhood Spider-Man is catapulted across the Multiverse, where he encounters the Spider Society, a team of Spider-People charged with protecting the Multiverse’s very existence. But when the heroes clash on how to handle a new threat, Miles finds himself pitted against the other Spiders and must set out on his own to save those he loves most. Anyone can wear the mask – it’s how you wear it that makes you a hero.
​
The much-anticipated Spider-Man: Across the Spider-Verse is only a few weeks away, and fans can’t wait to see the new adventures of Miles Morales. Once the Sony Pictures-produced movie ends its theatrical run, it will come to the most popular streamers, including Netflix and Disney Plus. But when is Spider-Man: Across the Spider-Verse coming to Netflix and Disney Plus? Here’s what you need to know.
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'Spider-Man: Across the Spider-Verse' features the return of Shameik Moore as Miles Morales and Hailee Steinfeld as Gwen Stacy. Just before the release of Spider-Man: Across the Spider-Verse, producers of the feature have announced a couple of other projects. Producer Amy Pascal has announced a forthcoming third installment titled Beyond the Spider-Verse expected to be released next year. That is not the only project announced.
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Paint-on-glass, Realistic Cartoon-style to Japanese Manga, makers explore not a couple but way too many animation styles! Shameik Moore’s Miles, in a way, gets a Star-Lord-like treatment in which he beautifully balances his character arc without overstepping the broader scheme of things. Hailee Steinfeld’s Gwen finally gets a chance to narrate her side of things, and it mixes well with the ‘star-crossed’ relationship she’s currently sharing with Miles.
​
If you’re like just about everyone else on the planet who saw Spider-Man: Into the Spider-Verse in 2018 and loved it, you’ve probably been waiting for the sequel. You won’t be waiting long, as Spider-Man: Across the Spider-Verse is finally coming out in 2023, a full five years later. It’s been a long wait but by all indications the film is going to be a blast for fans of comic book movies, Miles Morales’ version of Spider-Man, and this new animated franchise featuring the iconic webslinger.
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Modern cinema has seen the gap between theatrical and streaming releases shorten dramatically, begging the question of when Spider-Man: Across the Spider-Verse will release online. Since the COVID-19 pandemic, streaming releases have been much closer to the theatrical release of films. While the mid-COVID marketing technique of releasing movies in theaters and on streaming services at the same time for an extra price is a thing of the past, the gap between the respective releases is still considerably shorter than in decades past.
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While we currently don’t know the exact online release date for Spider-Man: Across the Spider-Verse, we do know the movie will be released in cinemas worldwide, including the US and UK, on June 2nd, 2023. We know where to watch Spider-Man: Across the Spider-Verse online, but do we also know when? We can guess once again, assuming it charts the same theater-to-streaming path as Into the Spider-Verse did in 2018 with two months between the theatrical release and its digital renting/buying services. You may be able to buy or rent the movie digitally as early as late July of this year, with a physical release roughly a month or so after that, if not sooner. This also means that you will probably be able to stream Spider-Man: Across on Netflix in early December 2023, as it took about six months from Into the Spider-Verse’s release before the movie landed on the streamer.
​
When Is the Release Date for Spider-Man: Across the Spider-Verse?
Spider-Man: Across the Spider-Verse was one of the many films to get hit by a delay due to the COVID-19 pandemic, moving from its original date of April 8, 2022, to October 7, 2022. That's the date seen in the above trailer, but the film has since seen another significant delay since then. Now the film is officially set for release on June 2, 2023. Hopefully, we won't see another delay, but if it means getting a sequel that lives up to the sky-high heights of the original, we'll gladly wait.
​
Is Spider-Man: Across the Spider-Verse in Theaters?
Not only was Spider-Man: Into the Spider-Verse the subject of rave reviews, but it also pulled in some gargantuan levels of cash at the international box office, with a final tally that quadrupled the film's ninety-million dollar budget. With incredible success like that, it's only natural that Spider-Man: Across the Spider-Verse would also be taking advantage of a theatrical release. That is the case, as the upcoming film will be exclusively available in theaters when it premieres on June 2nd, 2023.
​
When is 'Spider-Man: Across the Spider-Verse' streaming?
Spider-Man: Across the Spider-Verse The home distribution rights for Across the Spider-Verse are in a rather interesting place. In April 2021, it was reported that Sony Studios had signed a multiyear deal with both Netflix and Disney for shared streaming rights to Sony films coming out between 2022 and 2026. This deal includes Across the Spider-Verse as well as the third film in the series, Beyond the Spider-Verse, due out in March 2024.
​
As for releases like Across the Spider-Verse, the film will be available on Netflix with "first-pay-window-rights" for the first 18 months of its home media release. While it will not be streaming concurrently with its theatrical release, it will be available on Netflix following its theatrical run.
​
Some of the films are not currently available on the service because Sony has pre-existing partnerships with Starz, as that's where most of the absent films are available to stream. That is except for Spider-Man: Into the Spider-Verse, which is instead only streaming on Fubo TV and FX Now.
​
For anyone else looking to watch the film as soon as possible, Spider-Man: Across the Spider-Verse will be released in theaters on June 2.
​
How to Watch Spider-Man: Across the Spider-Verse
At the moment, you can watch Spider-Man: Across the Spider-Verse at your local theater. But like most movies these days, it should hit a streaming website in the near future.
​
Like its predecessor, Spider-Man: Across the Spider-Verse is a flick produced by multimedia conglomerate Disney. What's more, the production studio owns a number of other famous franchises, like the Marvel Cinematic Universe and Star Wars. Titles made under these umbrellas have both hit Disney+ sometime after arriving at the box office. Fans may also know the original Spider-Man: Across the Spider-Verse is currently available to stream on the site as well. So, if the 2023 version follows the same pattern, folks will likely get to see Spider-Man: Across the Spider-Verse on Disney+ later this year too.
​
As for an exact release date for Spider-Man: Across the Spider-Verse, that's more complicated. Most movies produced by Disney often go to its streamer site within three months after debuting in theaters, like the most recent Marvel film Ant-Man and the Wasp: Quantumania. If this is the case for Spider-Man: Across the Spider-Verse, it will probably drop in late August 2023 or sometime near Labor Day in early September.
​
When the time comes for Spider-Man: Across the Spider-Verse to splash onto Disney+ though, make sure you're all prepared to watch it. If you don't have access yet, you can opt into a 30-day free trial before choosing a plan that start at $7.99 per month or $79.99 per year. After your account is all set, click on the title page on Disney+'s official website or the Disney+ app.
​
As you wait for Spider-Man: Across the Spider-Verse to hit the streamer, why don't you watch the animated version and its sequel Spider-Man: into the Spider-Verse? Or if you want to immerse yourself in another live-action version, click on the 2019 ABC TV special Spider-Man: Across the Spider-Verse Live!. Enjoy!
​
Where To Watch Spider-Man: Across the Spider-Verse Online:
As of now, the only way to watch Spider-Man: Across the Spider-Verse is to head out to a movie theater when it premieres on June 2, 2023. You can find a local showing on Fandango.
​
Watch Now: Spider-Verse (2023) Movie Online Free
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Otherwise, you’ll just have to wait for it to become available to rent or purchase on digital platforms like Amazon, Vudu, YouTube or Apple, or become available to stream on Disney+.
​
Is Spider-Man: Across the Spider-Verse coming to Netflix?
Yes, Spider-Man: Across the Spider-Verse is coming to Netflix approximately in December 2023. In 2021, Sony and Netflix signed a five-year deal that gave the latter exclusive first-pay-window U.S. streaming rights for Sony Pictures titles after their theatrical and home entertainment windows. Fans can expect to watch Spider-Man: Across the Spider-Verse on Netflix six months after the film’s theatrical release, thus in December 2023. The date seems reasonable considering that Spider-Man: Into the Spider-Verse dropped on Netflix on June 26, 2019, six months after its U.S. release on December 14, 2018. The pay-one window usually begins about nine months after a film’s theatrical release, but it might start earlier in particular cases. This post will be updated once there is a 100% officially confirmed Spider-Man: Across the Spider-Verse Netflix release date.
​
When Will Spider-Man: Across The Spider-Verse Be Available On Netflix?
Where will Spider-Man: Across the Spider-Verse stream specifically? Due to an ongoing deal between Netflix and Sony (remember that these movies are not produced by Disney), Across the Spider-Verse will see Netflix as the streaming home for the film when it finishes its theatrical run. It will no doubt make its way to Disney+ eventually, as Disney and Sony do have an agreement for Disney to include Sony’s Spider-Man content in their offerings, but that will at least be some time after Across the Spider-Verse has come out on Netflix.
​
In terms of which of the streaming giants Spider-Man: Across the Spider-Verse will be released on, Netflix will house the film upon its streaming debut. While again, Sony does not have its own dedicated streaming service, a deal was struck in 2021 between the studio and Netflix. The deal, stating that Netflix would stream Sony's films after theatrical release, was penned for 5 years meaning Across the Spider-Verse is part of the arrangement.
​
Is Spider-Man: Across the Spider-Verse coming to Disney Plus?
Yes, Spider-Man: Across the Spider-Verse is also coming to Disney Plus approximately in 2025.
​
Once the pay-one window runs its time and Netflix’s exclusive rights expire, Spider-Man: Across the Spider-Verse will be available on Disney Plus. The pay-one window might last as long as 18 months, which means it will be a while before Disney Plus subscribers can watch the much-anticipated sequel. Unlike in other countries, Spider-Man: Into the Spider-Verse isn’t yet available on the Disney-owned streamer in the U.S.
​
While Sony's Spider-Man content is also streaming on Disney+, due to the collaborations between Sony and Marvel Studios in recent years, Across the Spider-Verse will be a Netflix release. While the deal struck between Marvel Studios and Sony may extend to this film, Disney+ is only allowed to begin streaming Sony's Spider-Man releases upon their release on Netflix. As a result, Netflix will be the first streaming service that Spider-Man: Across the Spider-Verse will be available on after its theatrical release.
​
Regarding when the film will be available on Netflix, the answer is less definitive. The first film, Spider-Man: Into the Spider-Verse, began streaming six months after its theatrical release. Based on this, it is safe to assume Spider-Man: Across the Spider-Verse will see a similar gap between its cinematic and streaming releases. Given the film's theatrical release of June 2, 2023, Spider-Man: Across the Spider-Verse will likely begin streaming on Netflix in December 2023.
​
Will Spider-Man: Across the Spider-Verse Be On HBO Max?
No, Spider-Man: Across the Spider-Verse will not be on HBO Max since it’s not a Universal Pictures movie. Last year, the company released its films in theaters and on the streamer on the same day. However, they now allow a 45-day window between the theatrical release and the streaming release.
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Is Spider-Man: Across the Spider-Verse Available On Hulu?
Viewers are saying that they want to view the new animation movie Spider-Man: Across the Spider-Verse on Hulu. Unfortunately, this is not possible since Hulu currently does not offer any of the free episodes of this series streaming at this time. It will be exclusive to the MTV channel, which you get by subscribing to cable or satellite TV services. You will not be able to watch it on Hulu or any other free streaming service.
​
How to Watch Spider-Man: Across the Spider-Verse Online For Free?
Most Viewed, Most Favorite, Top Rating, Top IMDb movies online. Here we can download and watch 123movies movies offline. 123Movies website is the best alternative to Spider-Man: Across the Spider-Verse (2023) free online. We will recommend 123Movies is the best Solarmovie alternatives.
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Spider-Man
Spider-Man
There are a few ways to watch Spider-Man: Across the Spider-Verse online in the U.S. You can use a streaming service such as Netflix, Hulu, or Amazon Prime Video. You can also rent or buy the movie on iTunes or Google Play. You can also watch it on-demand or on a streaming app available on your TV or streaming device if you have cable.
​
When Will Spider-Man: Across the Spider-Verse Be on DVD and Blu-ray?
Spider-Man: Across the Spider-Verse will likely be coming to DVD and Blu-ray around the same time as the streaming release. With theatrical films, on average, coming to streaming sooner than ever (usually ninety days after theatrical release), we'll likely see Spider-Man: Across the Spider-Verse get a DVD, and Blu-ray release no later than Fall 2023.
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Spider-Man Across the Spider-Verse cast:
In terms of the confirmed cast members of Spider-Man: Across the Spider-Verse, we can expect the following stars to appear:
​
Shameik Moore as Miles Morales/Spider-Man
Oscar Isaac as Miguel O’Hara/Spider-Man 2099
Hailee Steinfeld as Gwen Stacy/Spider-Gwen
Jake Johnson as Peter B. ParkeSpider-Man
Brian Tyree Henry as Jefferson Davis, Miles’s father
Luna Lauren Vélez as Rio Morales, Miles’s mother
Issa Rae as Jessica Drew/Spider-Woman
Jason Schwartzman as The Spot, the movie’s villain
Daniel Kaluuya as Hobart “Hobie” Brown/Spider-Punk
Jorma Taccone as The Vulture
Takuya Yamashiro as the Japanese Spider-Man
Karan Soni as Spider-Man India
Andy Samberg as Ben Reilly/Scarlet Spider

Assets & Debt—
Retirement balance: $13,286.43 (I make a small monthly deposit into my IRA. I do not have a 401k at the moment as I'm focusing on saving)
Home equity: ~$162k
Savings balance: ~$20k
Checking balance: ~$5k
Credit card debt: $0 (I pay off monthly)
Student loan debt: $17,539.32 (BFA Photography)
Car loan: $22,227.15
Income—
Income Progression: After graduating, I started in Customer Service making $36k. Some coworkers at my next job recommended I get a certification in Salesforce Marketing Cloud as something to do during COVID’s early month. The company paid. It helped me get into the marketing field. My first marketing job was $50k/yr. On my second with about a year and a half of experience. I want to change fields but do not have the experience necessary to do so. If I stay at my company I may have the opportunity to try the field I want within a year or two. My work-life balance is amazing so I’m sticking with it.
Actual monthly take home: $3,471.80
No side gigs or other income.
Expenses—
Mortgage & HOA: $1,090.09
Home insurance: $31.63
Retirement: $100 (Roth IRA)
Savings: $1,665 (Whatever is leftover at the end of the month. Good this month since I got 3 paychecks)
Investments: $0 (Working with J to help me figure out starting this. I’m late on it, I know.)
Debt payment: $0 (Student loan payments start up again soon. Rebuilding savings in the meantime from home purchase last year)
Electric: $40-90 (last month $42)
Internet: $89
Phone: $72
Subscriptions: $27
Climbing gym: $85
Cats: $53 (food)
Car payment/insurance: $463.50
Health: $102
​
Monday:

• 11 a.m. Slept in since it’s a holiday and enjoyed a delicious breakfast with my boyfriend (J) of some chocolate chip banana bread my mom made. We don’t tend to spend weeknights at each other’s places, so we love our weekends together.
• 12:15 p.m. J heads back to his place to meal prep for the week and do chores. Always the lover of a good cheap find, I went to Goodwill for a 25% off sale. I purchased an Adidas duffel bag, a t-shirt, some unused candles, and an expansion pack for a card game my friends and I enjoy. $35
• 1:30 p.m. One of my core lunchtime necessities as of late is hummus. But specifically the Target brand original. Plus it’s cheap. I also needed other basic necessities: toothpaste, tissues, laundry items, and a prebiotic powder I take daily to control IBS symptoms. I stock up once every two months so this was a big trip. Target Circle had a coupon for one of the laundry items and $10 off on a purchase of $70 or more. $111.25
• 2:15 p.m. Back home laden with one Target bag worth over $100, I crack open my new container of hummus and make a turkey wrap with a side of carrots, an apple, and some veggie straws. I have this every day and it never gets old.
• 3:45 p.m. Watch an episode of Maid on Netflix before going to play video games online with J.
• 7:30 p.m. J and our friends hop online to play a multiplayer game for an hour or two before I jump off to eat. Chicken sausage, green beans, carrots, egg white wrap, and rice. My favorite dinner at the moment!
• 10:30 p.m. In bed and decided to start reading the monthly book club picked by J. Couldn’t put it down for a while but was asleep by 12:30 a.m.
• Total spent: $146.25

Tuesday:

• 7:45 a.m. Alarm goes off. Work after a 4 day weekend. Yay. Out of bed by 8:15. I work from home so I log in, check my emails, and go grab breakfast. I take my morning probiotics, vitamin D, and allergy medicine as a side to my morning blueberry bagel. After a slow morning online, I hit the exercise bike for a quick 15 minute ride. Shower, then a meeting.
• 11 a.m. Whip up my normal lunch of: turkey wrap, carrots, hummus, apple, and veggie straws. After lunch, I grab a couple of Reese’s Thins. Not as good, I know.
• 2 p.m. Work is slow today so I hop on my PC and play a few missions in my current favorite game. I have an oil change at 2 and groceries to pick up from Walmart after. At the oil change, they tell me I need to replace my wiper blades and cabin air filter. I can do that on my own and purchase the parts needed on Amazon. Car & groceries: $172.92
• 3:15 p.m. After my appointment, I hop back into my game and see some items from my Steam wishlist are on sale. I grab them as I’ve been wanting to get them for a while. $24.04
• 4 p.m. There’s a new Spider-Man movie coming out this week that I really want to see. Mentioned to J that we should go but tickets were a bit pricey since it was opening night. He offered to pay.
• 6:30 p.m. Same as the night before. I’m out of chicken sausage now and forgot to add them to my order this morning. Oh well.
• 8:30 p.m. Watch another episode of Maid while I eat. After the temperature cooled down for the night, I went for an hour-long walk around a nearby small lake. Get hissed at by geese and dive-bombed by a red-winged blackbird. Nature is beautiful.
• 11 p.m. In bed reading J’s book club pick. It’s right up my alley and this will be a breeze to get through. Asleep by 12:45 a.m.
• Total spent: $196.96

Wednesday:

• 7:45 a.m. My alarm goes off and I once again snooze until around 8:15. One of my cats makes her way into my room and bugs me until I get up. Turn on my work computer and go start my morning with a blueberry bagel and my medicine cocktail.
• 8:30 a.m. I jump in the shower (hair wash day) and get cleaned up to head to my monthly chiropractor appointment.
• 10:15 a.m. I pulled a muscle in my back just over a year ago and enjoyed my chiropractor visits, so I now do them monthly. This is the last time I’m going to prepay and switch to as-needed. Paid through the end of the year.
• 10:45 a.m. My chiropractor is next to a used-clothing store so I swing in. Attending a wedding at the end of June so I’ve been looking for an outfit. I don’t find one. I find others. Also a shirt for J. Everything I bought was half off! Nothing was over $7. Grabbed 4 things. $21.25
• 4:30 p.m. It was a very slow day at work, just tested some emails, so I spent a majority of the day gaming. My job goes through heavy phases and I’m in a big lull. I sign off for the day and head to the climbing gym.
• 6 p.m. After a short climbing session, my friend M and I go to an outdoor store to buy climbing harnesses. I have one but it doesn’t fit right and he has been renting one. We find the ones we want in store but see they’re cheaper online. He has a store membership so he pays and I Venmo him back. I’m selling my old harness (only used for 2 months) to another climbing friend for $50. Almost breaking even! $3.27
• 7:15 p.m. I arrive back home and make a sandwich for dinner. Cooking seems like too much work tonight. J is at a work event tonight, otherwise we usually climb together than cook a meal after. While eating, I turn on Into the Spiderverse to prepare for the second one tomorrow. It’s still too hot for a walk so I skip that tonight.
• 9:45 p.m. After the movie I watch some Good Mythical Morning episodes I’m behind on and munch on some mini marshmallows for dessert. I prep my camera equipment for an event I’m shooting tomorrow for work. As I get ready for bed I listen to an audiobook. I read for book club for the rest of the night. Asleep around 11:30.
• Total: $24.52

Thursday:

• 7 a.m. I get up early as I need to be at a work event by 10 a.m. I’m photographing it so I won’t have to work too hard. I say now.
• 9:15 a.m. I head out to be to the event a few minutes early to find street parking. The event lasts until 2, so I pay for 4 hours of parking. I could submit for reimbursement but eh, it's not much. $2.50
• 1:45 p.m. I did end up fully participating as well as photographing. We wrap early after sweating in the sun weeding and mulching for a low-income apartment complex. I head home to shower, nap, and relax. Work gave those who volunteered the rest of the afternoon off.
• 5:15 p.m. J arrives at my place after work and we head to see the new Spiderman movie. I pack us some homemade popcorn and various other treats from the pantry. Movie was 10000/10. Go see it. I knew about 45 seconds in that I wanted to see it again. Did not disappoint.
• 8:30 p.m. Despite the snacks, we are still hungry after the movie and decide to go to a local Japanese place. We go in to order and J graciously pays. When we go out, he tends to pay as I typically buy and make a fair amount of our home cooked meals. At first we were given the wrong order, which we realized when we got home. He headed back to get the right order so we got two sets of meals for the price of one! We had opened the first order to see if we liked it enough to deal but it wasn’t enough food for the both of us.
• 12:30 a.m. J stays over and we get to sleep just after midnight.
• Total: $2.50

Friday:

• 8 a.m. J’s alarm goes off but I sleep through it so he has to wake me up. We lounge in bed until his first meeting at 8:30. After his meeting, he leaves for work and I log on to my own. I have no meetings today and a very generous policy where we get Friday afternoon’s off during the summer. I plug away at some small projects I’ve put off for most of the week and log off around 1.
• 1:30 p.m. I went to check the mail as I had 3 deliveries coming today. All arrived! My internet bill came too which I usually throw away, but had a feeling I should open this one. I was right. My bill had gone up $10 because of some new policy I didn’t know about because I hadn’t read any of the last few months of bills. I updated what I needed to to get the price lowered again and spend the next hour researching a new provider but I’m stuck for my area. Ended up purchasing a router so I can return the company’s one and save some more money monthly. $96.72
• 3 p.m. I get a random email that a medical visit from over a year ago wasn’t going to be covered by insurance. I log into my account and see if it’s real, which it is, so unfortunately I pay for it. I don’t remember what the visit was for but insurance covered $0 of it. After I update my spending tracker. Thankfully it was a 3 paycheck month so I’m more than fine. Had a lot of surprising big expenses come up in May. $89
• 5:45 p.m. I leave for J’s so we can eat dinner together and watch an episode of the Last of Us (yeah, we’re a bit late on this one) before we head to the climbing gym.
• 10:30 p.m. We get back from climbing and have a craving for chocolate chip cookies. I help J make a small batch and we eat a few each. We watch the Last of Us and I fall asleep on the couch. Bed time at 12:30 a.m.
• Total: $185.72

Saturday:

• 9:45 a.m. I slept like the dead. J wakes me up as he’s on his way out to go have brunch with a friend. I slowly wake up and leave his place soon after to get my house cleaned before some friends come over.
• 12:30 p.m. J comes to my place after his brunch to help me clean before a double date with my high school best friend and her fiancé.
• 2:45 p.m. They arrive! We chat and play some card games. They leave around 5, so J and I dive back into Last of Us.
• 6:30 p.m. I reheated some leftover chicken from Thursday, frozen green beans, potatoes, carrots, and rice for dinner. We finish the season and discuss the show for a while before he heads home.
• 12:30 a.m. Bedtime!
• Total: $0

Sunday:

• 8:30 a.m. J and I are going to look at some houses today so in my excitement I don’t sleep very well. I get up after laying in bed for a few hours to get ready and go pick him up.
• 10:30 a.m. Open house tour commence! We see 4 houses before lunch time.
• 12:30 p.m. We decided to go to a local chicken restaurant and more than ate our fill. J paid. I dropped him back at his apartment and headed to visit my parents for the afternoon.
• 2 p.m. I arrive at my mom’s house and she dyes my hair. We used a bottle of dye I had purchased a few months back.
• 5 p.m. Game time! I hop on with J and his friends and we complete some missions in our go-to game. I stop to grab a quick snack soon after, still pretty full from our big lunch.
• 8 p.m. J hops off for a break and I do as well. He calls me right after leaving the main call and we chat about our week ahead and hang out while we do our own things.
• 9 p.m. I’m feeling very tired after not sleeping well this weekend so I go to get ready for bed. I stay up on TikTok for a while and get to sleep around 11.
• Total: $0

​
Food + Drink (Groceries): $64.28
Fun + Entertainment: $26.94
Home + Health: $187.21
Clothes + Beauty: $64.81
Transport + Vehicle Health: $109.34
Other: $99.99
Total: ~$556
​
This is NOT a typical week! Lots of medium things that added up happening at the end/beginning of a new month. That's life! When I buy things I use regularly, I often buy 2-3 more than I need at a time so that I don't have to get them as often. Unless J and I are together, I don't go out to eat to save money. I'm very lucky to work from home and save a lot of expenses that way. My job is pretty low-key and quiet most of the day, so I didn't detail too much about it this week.

This is annoying, I've been doing THS for a while now and I've just noticed dog owners are so much more unrealistic about what they expect from housesitters and I need to rant. Like literally, if someone is already watching a dog, walking it daily, etc, you've just about exhausted what you can expect from a sitter--I'm sorry, if you want more, slide them some money. Two dogs and you're done. The word is "exchange" not "exploit". As in we are equals exchanging something of mutual benefit. Not as in I'm your free labor and you're doing me some huge favor just by letting me act as your free labor.
You really cannot reasonably ask a free, unpaid sitter to walk your dog daily and also mow your lawn, for example. You definitely cannot expect a housesitter to walk your two dogs twice every day, and mow your lawn, and be in the house 20 hours a day, not eat any of your groceries, and leave the house cleaner than they found it. Especially if you live in some bum-f*ck area, some swampy part of the British Isles or some weird suburb in Iowa... Honestly if you're asking all this you're just going to get inexperienced or questionable housesitters and then be disappointed when you get home and the house isn't clean, or come home to a clean house and an evil eye cursing your house...
Cat owners and dog owners have such different vibes. Literally every cat owner I've sat for has been so chill, they almost act like they're asking too much just by expecting me to feed the cats at the same time every day. Dog owners are like on the verge of asking you to regrout their bathroom tiles. Oh sure and let me just reshingle the roof while I'm at it. You want me to call your great aunt on Sundays and make sure she's doing alright too? Want me to volunteer at the local soup kitchen three times a week? Want to use my womb as a surrogate and carry your unborn fetus to term? Want me to run for senate and change local zoning laws? Anything you want boss!
If you're new to traveling by housesitting, please just avoid any listing where the homeowner asks you to mow a lawn, or gives you a specific amount of time a day you can leave the house. These two things are such huge red flags that this person doesn't understand how these exchanges work and sees you as labor, not an equal. I've had really good experiences with THS but I almost quit after a few bad ones, now I've had a few really good housesits and learned to spot red flags I've been able to extend my travels in Europe by three months so it's worth it. Just only sit for people who treat you like a guest or a friend, not the help.

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116 (Telegram: multistorecourses)
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116 (Telegram: multistorecourses)
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)

Contact me to get Iman Gadzhi - Agency Navigator by chatting me on +44 759 388 2116 on Telegram/Whatsapp.
I have Iman Gadzhi - Agency Navigator.
Iman Gadzhi - Agency Navigator course is one of the best products on how to start a marketing agency.
Iman Gadzhi - Agency Navigator includes over 50 hours of step-by-step training covering EVERY aspect of building an agency from scratch. This is almost a plug & play system with enough success stories to back it up! Signing clients, running Facebook ads, building out your team, on-boarding clients, invoicing, sales... this course has everything covered for you.
The topics inside Iman Gadzhi - Agency Navigator course include:

1. Agency Navigator course Core Curriculum
   
2. Custom E-Learning Platform For Agency Owners
   
3. Financial Planner, Revenue Calculator, Outreach Tracker & More Tools
   
4. Websites Templates, Funnels, Ads & More
   
5. Template Contracts, Sales Scripts, Agreements & More
   

The lessons in Iman Gadzhi - Agency Navigator will teach you how to:
- Starting Your Agency
- Finding Leads
- Signing Clients
- Getting Paid
- Onboarding Clients
- Managing Client Communication...
...and much, much more!
To get Iman Gadzhi - Agency Navigator contact me on:
Whatsapp/Telegram: +44 759 388 2116
Reddit DM to u/RequestCourseAccess
Email: silverlakestore[@]yandex.com (remove the brackets)