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How to Budget well. |
Posted by: SpookyZalost - April 13th, 2021 at 11:52 PM - Forum: Lifestyle
- No Replies
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so having learned to do so effectively I figured I'd give some good explanations and tips on learning to budget well.
Budgeting an automobile.
so this one is fairly straight forward.
take your distance to and from work every day, multiply it by the number of days you work, let's say you drive 10 mi, a day, x2 for each direction times 5 if you work 5 days a week for 20x5 or 100 mi a week.
now let's say your average mpg is 24 miles per gallon, substitute local measurements if you're outside the states.
at 24 miles per gallon you use about 4 gallons per week in fuel.
with an average price of $2.80 per gallon, rounded up to 3 to cover fluctuations that's $12 a week in gas alone, double that for $24 a week, times 4 for $96 a month.
that should cover fuel costs both with work travel and anything else you need with some leeway.
tack on an extra $50 a month to cover stuff like coolent, air for tires, oil, etc, and anything you don't spend put into a savings account for car repairs and the like.
now we move onto budgeting your cost of living.
start with how much you pay to live somewhere, if it's an apartment figure out your rent plus utilities, ideally this should be about 1/3rd what you make if you want to live comfortably but 50% is the absolute maximum amount and it's not living easy.
now take that and your vehicle cost and combine them, then subtract them from your monthly pay and subtract anything like insurance, and any utilities not covered by the apt like internet, TV, etc.
now factor in how much you spend on food, how much do you eat, how much do you save when buying things on sale, etc.
start noting down how much stuff costs when you buy it and how much you need for each meal.
one big way to save here is to make meals that cover multiple days like a lasagna or a casserole for example.
always buy your groceries in bulk as that often saves both in fuel cost and because often there's bulk discounts on consumables.
after all this what you are left with is money you can put into savings, and trust me you want at least $50 to $100 a month for savings if you can help it.
this is how I was taught to budget, there's some leeway for adjustments but it does let you live comfortably at least with room for error or sudden problems as well as the occasional hobby.
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Prince Philip death |
Posted by: tc4me - April 10th, 2021 at 5:30 AM - Forum: Current Events
- Replies (3)
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Prince Philip, 99, has died just a few weeks after he spent a month in hospital. The Duke's deathw as confirmed by Buckingham Palace this afternoon, with a short message which read: "It is with deep sorrow that Her Majesty The Queen has announced the death of her beloved husband, His Royal Highness The Prince Philip, Duke of Edinburgh. His Royal Highness passed away peacefully this morning at Windsor Castle."
R.I.P
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[Informational] How to read Resistors. |
Posted by: SpookyZalost - April 10th, 2021 at 12:45 AM - Forum: Resources & Tutorials
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So I realized while working on the graphic equalizer just how useful this bit of knowledge could be.
everything else is labeled, be it capacitors, diodes, Integrated circuits, Transistors, etc.
but not resistors, not exactly.
instead they have this nicely implemented color code, one which is handy to have available to reference and once you pick it up makes decoding them at a glance easy... to the point I kinda wish they used something similar for other components.
So capacitors typically have colored bands on them with 10 colors to indicate various things.
the first two or three bands indicate numbers 0 through 9 the 3rd or 4th band depending on if it's a 4, or 5 band capacitor is usually a multiplier, the next color band is the tolerance or how much of a tolerance +/- a resistor can tolerate.
and the last color band is only on 6 band capacitors which is a temperature coefficient though that doesn't come up often
most often you'll encounter 4 or 5 band capacitors in the wild so we'll focus on these.
for the first two or three bands it's.
0 Black
1 Brown
2 Red
3 Orange
4 Yellow
5 Green
6 Blue
7 Purple
8 Grey
9 White
then for the next one it's the multiplier so it's
0.01 Silver
0.10 Gold
1 Black
10 Brown
100 Red
1K Orange
10K Yellow
100K Green
1M Blue
10M Purple
you won't find one above it but ...
100M grey
1B White
not likely to encounter that though except for some really specialized stuff.
then there's a space followed by the next band making it easy to identify which one is the multiplier band.
finally there's the tolerances, usually that's +/- a percentage of the total ohms the resistor is rated for.
10% Silver
5% Gold
1% Brown
2% Red
.5% Green
.25% Blue
0.1% Purple.
temp coefficients on a 6 band capacitor are
100ppm Brown
50 ppm Red
15 ppm Orange
25 ppm Yellow
Similarly you might come across one with only 3 bands, usually really old ones.
this one follows the same rules as a 4 band but doesn't have the tolerances marked on it.
first two color bands are numbers, third one is a multiplier.
with all that in mind let's practice decoding a couple
These are real examples of 4 band resistors
R118
Red Blue Red Gold
26 X 100 +/- 5%
or 2.6k Ohms 5%
that's 26 times 100 = 2.6 thousand ohms or 2.6 Kiliohms
R114
Yellow Blue Yellow Gold
46 X 10K ohms +/- 5%
460k Ohms 5%
R126
Green Blue orange Gold
56 x 1K +/- 5%
56k Ohms 5%
here's a nice graphical chart if you get hung up and to save time you can also use this code translator if you don't want to sit there figuring it all out.
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MLB 2021 Season |
Posted by: Guardian - April 9th, 2021 at 11:34 PM - Forum: Sports
- Replies (3)
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We're just over a week into the 2021 MLB season.
Who's your favorite to win it all this year?
How do you think your team is going to do this year?
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Total change in weather |
Posted by: tc4me - April 7th, 2021 at 5:24 AM - Forum: Lifestyle
- Replies (3)
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Hy people. Last week we had plus 25 degrees Celsius / 77 ° F to 0 degrees C / 32 ° F, how is the weather with you?
lg Tc4me
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