• 12 Posts
  • 191 Comments
Joined 9 months ago
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Cake day: August 15th, 2024

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  • I am not a huge fan of having multiple cards. Its economic suboptimization.

    People tell me they get cashback, points and all sorts of advantages.

    If you calculate the actual savings in euros, its not that impressive.

    If you spend 10 000€ a year with 1% cashback. That’s 100€. Which is more than nothing. However you can ignore the whole min/maxing with cards and just make a couple more meals from scratch, bring coffee instead of buying for a couple weeks, buy something used instead of new once or twice etc.

    The time spent getting all these points and maximizing is often comprehensive. The credit card bill has to be paid every month, if you miss it once, then the whole thing was a waste of time. So you have to be certain. Checking if everything is paid is thus important.

    Also they loyalty part is manipulative and might not actually be beneficial in many cases.

    So I stick to my ONE debit card.





  • If you are confident you can be a bit embarrassing and people just like you more for it. You are open, unique, a bit quirky and cute. They laugh with you, not at you. At work people lower their guards around you and you get people to deliver quality and get shit done. Being well liked and often right is a killer combo in the engineering world.

    Embrace the cringe, so that the cringe just becomes embarrassing, then it becomes good times and team building.