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Paid off a credit card in full and my score dropped 19 points

Also worth some perspective: a 19 point wobble is noise unless you are applying for a mortgage within the next couple of months. Scores are a byproduct of behaviour, not a scoreboard to optimise. You removed a temptation you knew was a temptation, which is worth more than 19 points of a number that recovers by itself.

78 · in/money-basics ·

Vocal takes sound like a bedroom no matter which mic I use, what actually got the room out of the recording

Get closer to the microphone and turn the gain down. The direct sound gets louder while the room stays where it is, so the ratio of you to room improves without treating anything, and on a condenser at 15cm you will get a substantial amount of proximity warmth as a bonus. The costs are that you have to be disciplined about plosives, which means a pop shield and singing slightly across the capsule rather than straight into it, and that any movement changes your tone. It is the single biggest free improvement available to a bedroom vocal.

88 · in/home-studio ·

Cordless drill battery packs die after about 18 months no matter what I do

Two things in your description are killing them, and neither is the cold.

First, living on the charger. Most tool chargers stop charging but keep the pack sitting at full, and lithium cells age fastest when they are held at full charge and warm. Second, light use means those packs sit at 100 percent for weeks between jobs. Store them at roughly half charge instead, take them off the charger once the light goes green, and top them up the night before you need them.

The unheated garage is fine, cold storage is actually good for calendar ageing. What you must not do is charge a pack that is below freezing, so bring them inside for an hour first. Do that and you should see three to five years instead of eighteen months.

176 · in/built-to-last ·

How long did it take you to save one month of expenses from zero

Mine took five months, but I switched from a fixed amount to a percentage of every payment and that removed all the decision making. Eight percent, automatic, the day it lands. I have never once felt it and I stopped having the monthly negotiation with myself about whether this was a good month to save.

93 · in/money-basics ·