linux535/readgoodstew

linux535/readgoodstew:

+1 due

or pay $5*

Finance goals geared towards being a good stwert

DAY	DELTA	TOTAL
Today	✔	21
Tomorrow	+1	22
Wed (8th)	+2	23
Thu (9th)	+3	24
Fri (10th)	+4	25
Sat (11th)	+5	26
Sun (12th)	+6	27

Datapoints ?

Your actual reported data. The color shows where you are with respect to your bright red line:

Green:
> 3 days of buffer

Blue:
~ 2 days of buffer

Orange:
~ 1 day of buffer

Red:
crossed the red line
Bright Red Line ?

Keep your dots on the good side of this bright red line!
Colored guiding lines ?

The orange line shows one day of safety buffer. The blue line is two days, and the green line demarcates seven days of safety buffer.

(If you keep your safety buffer at 7 days or higher then you're immune to being stung. If anything comes up, just flatten your bright red line. It will take effect after the 7-day akrasia horizon but since you have that much safety buffer, you're golden!)
Yellow guide lines ?

These thin yellow lines indicate the good side of the bright red line.
Akrasia horizon ?

This line is a week away from now. You can only make changes in the steepness of your red line beyond the akrasia horizon.
Pink zone ?

This shaded pink zone on the wrong side of your bright line shows the bare minimum that you are committed to doing this week. Your red line can never get easier and dip into this forbidden zone.
Infinitely safe region ?

This light yellow shaded region shows the infinitely safe area. If your datapoints are in this zone, then you have exceeded the final total of your graph, and your safety buffer is unbounded. You usually see this as your goal approaches the end date, or if you have an infinitely flat bright red line for some reason.
Skull & Crossbones ?

We fly the Jolly Roger on your graph if it freezes. The primary way this happens is if you derail when your graph is scheduled to be archived.
Watermarks ?

The watermarks in the corner regions of your graph (shown darker here) indicate your current pledge amount and how much safety buffer you have. How safe you are is shown on the good side of the red line, and the amount pledged is shown on the derails-this-way side.

Features not enabled on this graph:

Optimistic projection (deprecated) ?

An optimistic view of progress, i.e., a view of your data through rose-colored glasses. It shows your inexorable march towards your goal. If you're bouncing around it just shows you flat. When you go down (or whichever direction your goal is), it shows you that right away.

It never shows you going up (or whatever the wrong direction is) unless it's sure you've screwed up.

If you find the random fluctuation unnerving, you can focus on the pink dots day-to-day.
Moving average ?

This is a moving average implemented as an IIR filter. If most of your daily numbers are below this trend line then you are inexorably dragging it down.

For the case of weight loss, this was inspired by The Hacker's Diet as a way to see the forest through the trees, to see past the daily random fluctuations to what your weight is really doing.
Smoothed trend swath ?

Think of this as a very thick line charting your progress or an aura around your actual data. It's like the moving average line but fatter and smoother, and it extends past your actual data as a kind of projection into the future, in case that's useful. (Gory details on the blog.)
Max flux ?

This thicker yellow line denotes the user-specified maximum daily fluctuation, shown as an offset from the bright red line. Details in the FAQ.
Standard flux ?

This dashed yellow line indicates a so-called 90% variance derived from your data, shown as an offset from the bright red line. Details in the FAQ.

This goal has the following fine print specified by linux535:

New fine print:

Must read rules twice daily until 05/15/24. After that it is once a day.

### General Rules:
1. Transaction Tracking: Record all transactions in EveryDollar and YNAB. Stick to YNAB+Everydollar until December 1st, 2024. Now sometimes a transaction may come in later at night and I may not notice. This is not penalized. Though the next day it needs to be entered in ASAP!!!! Also if a transaction was made in cash or in person those must be entered day of or you face a derail.

2. Budget Communication: Discuss potential purchases with your spouse, showing the budget impact. Routine expenses like groceries or gas are exempt. It does include new sub must include price of sub and how much it will cost per year in text form or show in person.

3. Purchase Alerts: Inform your spouse about any purchases that may negatively affect your finances, make sure she fully understands.

4. Debt and Credit Card Usage: Notify your spouse if you're adding debt or using a credit card, make sure she fully understands.

5. Qube Bills: For all reoccurring subs use Qube. Also use for main bills like electric, cellphone, insurance and etc. for mortgage I don’t have to use Qube if I send payment directly from my other bank within 24 hours of it being allocated in YNAB.

6. Budget Overruns: Communicate with your spouse if any monthly budget (EveryDollar) goes into the negative. Make sure she fully understands.

7. Derail Alerts: Report any deviations from these financial goals to your spouse. Make sure she fully understands.

8. Savings Contribution: Add at least $1 to savings every Friday.

9. Pre-Purchase Review: Check the budget before making a purchase. Forgetting to do so is not penalized. Unless it becomes a frequent issue (more than three times in a week two weeks in a row).

10. ”Church Finance: Balance the account daily. Do full balance once a week (checking all bills and a full reconciliation Sunday is last day to do).

Punishment:

1. 5 minutes of boring wall for each violation. If you say did not record two transactions then 10 minutes of boring wall or continue to derail.

2. Tell my wife about all the violations. Derail until done. Must make sure she fully understands the impacts of the violations.

### Additional Notes:
- The goal remains in effect until January 1st, 2025, regardless of any life changes, with the only exit being a 30-day continuous derail at a cost of $10 per day. 
- Illness is not an excuse unless it causes muteness or blindness. 
- After June 1st, 2024, forgetting is not a valid excuse for not following the rules. Should not be daily forgetfulness even beforehand. 
- If not done because of sickness still derail but no punishments.

Amounts Due By Day

Goal Progress

Stats

Graph stats

Data stats

Graph Legend