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Joined 1 year ago
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Cake day: September 14th, 2023

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  • Bikes are generally pretty maintainable I would say. Some characteristics that I like about bikes that keep from me having to maintain them to much are:

    • Internal gear hub: the gears are internal which means they don’t get dirty as easily, don’t wear the chain as quickly, and the chain doesn’t need to be oiled as frequently either. Lastly, there’s no real maintenance required of it, while still lasting a long time. Downsides are it’s extra weight, and cost (if you’re using it for urban biking, i would say the weight added is negligible)
    • Check out whether rim breaks or disc brakes, or pedal breaks(forgot the name, but it’s when you back pedal to brake) last longer and whether they require more maintenance. I know disc brakes are better performing and don’t really wear out the bike rim in the same way rim brakes do, but I’m uncertain about their longevity. Disc brakes I believe. Are the more expensive option I believe.
    • Dynamo hub for lighting (if you need it) is pretty expensive but also means not having to worry about your lights and their batteries wearing out, or having to reattach and detach them from your bike.
    • Bike frame: I’m not too familiar with materials and their longevity, but I think if you avoid carbon fiber bikes (which are usually higher end) your frame will be very resilient.

    Another important question is what will you be using it for? Urban biking? Mountain biking?












  • Budgeting is very important. some people like the 20% of income for saving, 30% for living expenses and the other 50% for everything else. Pre or post tax is up to you as this is a rule of thumb. Important part is that it should be easy for you to build up your savings to cover important expenses. spending 50% of income on housing may be really bad since having back to back years of badluck can screw over your savings, and not give you enough time to save up in between.

    This is a general rule that applies when you make enough to do so. If you’re struggling to pay rent, do what you can to remove risk and cut down on costs. One thing that helps is aiming to have savings. Often times, its cheaper to have money up front to resolve emergencies rather than later.

    Car is one of those things that can make sense to remove. If you’re commuting one hour already by car, and there’s no public transit option then a car is a necessity. If you can take public transit, that could save you money on car insurance, car payments, car maintenance, and possible accidents.