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I am 27 years old, make $38,000 as a Library Assistant (combined $107k) and live in the Kansas City Metro.

Alternate R29 Title: A library assistant who makes $38,000 spends some of her money on canned chicken and rice.
Hi there!
This is my first money diary. I started my job in January and while I still don’t know what my forever job is, I am finally happy in my work for the first time since graduating from college. My husband and I have been married for five years, no kids yet. We have joint accounts on pretty much everything we can, so I included his spending as well. I am sorry this is so long!
Section 1 Assets
Retirement Balance: $26k including the following: $10k in an IRA from an old 401k, $3k in a Roth IRA I opened this year, $10k in my husband’s IRA, $3k in a 457 through my current job. This does not include my husband’s pension. How I got there was my first full time job was set up to automatically contribute 3% pre-tax. It sat there contributing 3% for a year before I messed with it lol. I decided to increase the amount as I got raises and was eventually doing 15% by the time I left banking at the end of 2019. I was contributing 15% to the 457 for months and throwing money in the IRA when I got the chance, but with COVID, I dropped my 457 contributions down to 6%. Come January, I will have been at my job for a year and I will start contributing 5.5% to mandatory retirement and will assess from there whether or not to play around with the percentages again.
Home Equity: $82k We owe around 91k on our house and Zillow estimates it around 193k. I’m taking $20k off of that since it requires a significant amount of work and Zillow isn’t the most accurate when it comes to appraisals. My husband bought the house five years ago before we were married and while I looked at houses with him, I was not a part of the home buying process (I was still in college and frankly had no clue about money) He put down about $7k. It was and is very much a fixer upper so we got an excellent deal for what we paid. It is our dream to build a house so while this is not our forever home, we plan to live here at least another five years if not longer.
Savings account balance: $16k. We both deposit into this account with every check and try to avoid pulling from it at all costs. Last major pull was when we put a down payment on a car in May.
Checking Account Balance: Varies but around $1500 at time of writing for our main account. We also have an account that we keep less than $500 in that my mother-in-law is also on since we are on their phone plan. She transfers $50 out of that account every month for our phones. Part of our life insurance also comes out of that account because I have been too lazy to switch it to our main account.
Other Assets:
My stock: $13k I am the only grandchild on my mom’s side. When I was born, my maternal grandmother bought utility stocks in my name. It’s unclear to me how much she bought but she passed away when I was 6. My mom was custodian on the account and she says the only time they touched it was to pay for dental work for me. (I knocked my teeth out on the gym floor in second grade and it caused a lot of dental problems for me growing up). She told me about the account when I turned 18 since I would no longer need a custodian and I have done nothing with it since.
My husband’s stock: $19k between his current and previous employers’ stock purchasing program. Also some of this is in a Robinhood account.
Credit Card Debt: $0 we pay off in full every month.
Student Loan Debt: None. My parents paid for my schooling, a fact I am thankful for every day. My husband did one year at a four year institution before switching over to community college to get an associates degree, which was paid for through the A+ program, which is a state funded program in Missouri.
Car Loan: $25k As I mentioned above, we bought a car in May. We were going to buy a new 2020 Subaru Outback, but the dealer we went to had a pre-owned one so that is the one we ended up buying. We have been planning to replace my old car for the past three years so when dealerships were running low interest specials, the timing felt right. The interest rate is less than a percent and it will be paid off in four years. I intend to drive this car until the wheels fall off.
Net Worth: $220k last checked 09/30 I check our net worth every month, the last day of the month, note any changes and try not to look at it again
Section 2: Income Progression
Mine: $911 bi-weekly after taxes, parking ($35.6), retirement ($175.40) (All numbers are split over two checks). I am having additional money withheld in my taxes (just under $250) because my husband and I always seem to end up with a large tax bill. I’m hoping this will either allow us to break even come tax time or we will end up with a huge refund and I will readjust from there.
I got married a month after graduating college so getting a job unfortunately wasn’t the highest on my priority list. I ended up working retail ($10/hr) then becoming a manager ($10.50/hr) before getting my first retail banking job making $14/hr the March after I graduated. I continued working in retail banking until December 2019 by which point I was making $17.25/hr. I then started my library job where I make $38,000 gross.
My husband: $1750 after taxes, retirement contributions (3% into his IRA), union dues, pension, etc. This varies with my husband’s schedule changing a lot more recently and with overtime (when there was overtime)
Other income: My husband is part of the executive board of his union chapter so he gets a check for $109 every meeting.
Section III Expenses
This is spending we do pretty much every month:
Mortgage: $850
Electric, Water, gas: All vary from month to month, this month $145, $85, and $35 respectively
Phone: $50
Life Insurance: $54
Auto Insurance: $221 (both our vehicles and my husband’s hobby cars we insure as well)
Car Payment : $600
Contribution to Roth IRA: I aim for $200
Food: Groceries around $350 and Eating Out around $250 though both these numbers fluctuate a lot right now.
Gas and Fuel: $200
My personal spending money: $100
Husband’s personal spending money: $100
Pets: $100
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?:
I couldn’t say if there was a clear expectation- both my parents had non traditional paths to their degrees and my mom was the first in her family to go to college. I think I expected I would go to college very early on- I never considered not going. So yes there was an expectation but we were all on the same page. I will talk about how it was paid for in a later section.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?:
I wouldn’t say we had conversations about my parents’ finances but we talked about money in the abstract sense. From an early age, my parents taught me about saving at least 10% of what you earn and saving up for things you want. We never talked much about credit cards or loans other than the general advice of “Don’t rack up a ton of credit card debt.”
What was your first job and why did you get it?:
I worked at McDonald’s the summer after my freshman year of college and I also worked in my college bookstore as a temp during finals of my freshman year (I was hired on and end up working there 3 years.) I wanted to get a job but had failed thus far to get a job working in places I wanted to work so I ended up at McDonalds. (I also didn’t get my license until after my freshman year so I was a late bloomer.)
Did you worry about money growing up?:
No, I feel like my parents did a good job hiding any money worries they had from me. My mom has referenced a few different years of my early life as “bad years’ for her and my father, but money was a factor in our cross-country move. In hindsight though, I am able to see all my parents sacrificed to give me.
Do you worry about money now?:
Yes haha. I mostly worry about my husband losing his job and how that would impact us. I worry I am not saving enough and that I’m spending too much, which are really one in the same.
At what age did you become financially responsible for yourself and do you have a financial safety net?:
I did not become financially responsible for myself until I got married. Even then, I’d say I wasn’t really financially responsible for myself- my husband was financially responsible for me. It’s only in the past three years I have felt financially responsible for myself. As far as a financial safety net, we have a decent emergency fund in place. If something truly catastrophic were to happen, I do think I could move in with my parents or my aunt if I had to.
Do you or have you ever received passive or inherited income?:
My stocks, mentioned above. But also it is due to inherited income that my parents were able to pay for my college. My aunt and mother inherited my grandmother’s house and my mom sold her portion to my aunt’s then-boyfriend. That money was used in part to fund some of my college and my parents cash-flowed the rest.
Note: When I am at work or in a store, I am wearing a mask.
Day 1: Wednesday
7am Hey I woke up on time for once. I try to get up at 7 everyday because it gives me just a little free time to do something fun without so much time I feel like I need to be productive. I get up, brush teeth, take temperature, make coffee, and start my morning routine. I wash my face with Cerave Foaming Cleanser, moisturize with Cerave Daily Moisturizer and spf with Sun Bum SPF 50. I get dressed in the outfit I picked last night and have a breakfast of a maple syrup bagel with pumpkin spice cream cheese. I resist the temptation to have a muffin knowing I will have one at lunch. I also take my vitamins- a prenatal, vitamin d, and fish oil. I also spend a bit of the morning doing my fun thing, which is replaying Pokemon FireRed and pay a dentist bill for some work I had done in September. I have cavity-prone teeth so it seems like I am always getting a filling done. I try to take good care of them though- they’re the only teeth I’ve got. I also take note of what’s in my weekly Aldi ad and what I have a lot of in the fridge since I know I’m going grocery shopping tonight. $78
1pm I like to eat lunch around 1 since that is halfway through my workday. For lunch this week, I am doing a take on Budget Bytes hummus lunch box. I made hummus Sunday then I bring a sandwich thin, lettuce, cucumbers and assemble those into a sandwich. I also have some baby carrots that I dip in hummus, apple slices I do not, and a pumpkin chocolate chip muffin, which is all delicious. I also take some time to meal plan and prep my grocery list since I like to go right after work. The list is always longer than I want it to be but eating good is important to us. While eating I decide to turn away from the computer and listen to the podcast I was listening to on the way to work, Throughline from NPR.
4pm: The director of the library comes down and mentions that my boss’s birthday is this Friday (!!!) and mentions getting a cookie cake or cookies for her. I agree that’s a good idea and make a mental note to buy her a card if I see them at Aldi.
6pm: I am done with work for the day. While walking from my building to the car, I call my husband to check in and chat on our plans for the evening. Basically, what does he want for dinner and does he want to go to the grocery store. He is busy working on fixing the frame on the door that goes out the garage and lets me know he finished the window he was putting in our bedroom. He went to Home Depot and spent $99.81. He does not want to go to the grocery store with me lol so I drive from work to our local Aldi. I spend $77.61 And get coffee creamer, bagels, carrots, cilantro, black beans, chickpeas, a frozen pizza, pads, popcorn, spinach, vegetable broth, canned pumpkin, carrots, a bottle of wine, brioche rolls, frozen waffles, parmesan cheese, pickles, heavy whipping cream, chicken breast, frozen onion rings, cage free eggs, pumpkin rolls, coffee, diced tomatoes with green chiles, corn tortillas, red peppers, and pretzels. Some of these things were not on the list and it shows. It’s dark by the time I leave and I haven’t heard from him about dinner by the time I leave so I head home. $115.26
7:30pm We put all the groceries away and discuss dinner. We decide to pickup Chipotle and order ahead. We each get a burrito and a drink. $27 While driving there the VP debate starts so we listen to it on the radio on the way there and back and while we’re eating. After we’re done, we move to the living room to watch it on the tv, talking about it and other things for a long while after. I have been having a lot of feelings lately so it is mostly for me that we talk for an hour and half after the debate. Nothing gets solved really but I feel better overall. $27
11pm: I take a shower and wash my face using the same cleanser as this morning and the same moisturizer. Normally I would include some sort of treatment as well but it has gotten so late! I let the dog out before heading to bed. I got a book (Real Food for Pregnancy by Lily Nichols) from my library via Inter-Library loan so I start reading. I get through a few chapters and I’m getting the vibe that this book is going to challenge me. We will see if I keep reading it. I fall asleep after midnight.
Day 1 Total: $282.42
Day 2: Thursday
6am I am awakened to the sound of my cat throwing up. Happy happy joy joy. I try in vain to fall back asleep when he jumps on the bed. And since he cannot settle in bed, he just walks around. I decide I have lost at 6:45, get up, and do the same routine as yesterday. I have a lot of extra time this morning so I play a lot of Pokemon FireRed and really fill out my to-do list for the week. This stresses me a little since I have a lot I would like to get done and I am not doing it right now. The application for my dream job is due tomorrow morning so I really plan to get that completed today and that is my top priority. Breakfast is a bagel again but today I decide to have a muffin too.
10am I get to work and have a rough patron/coworker interaction to really spike the anxiety and start my day. I focus on breathing deeply and remind myself that this little inconsequential thing does not have to ruin my day and will not ruin my day.
12pm I decide to take a walk to lift my spirits. I still don’t know the campus super well but I play it safe since I just want to walk on auto pilot for a bit. It lifts my spirits but also makes me feel sweaty and gross.
6pm I had lunch around 1, the same as yesterday. Around 3pm I started to feel really exhausted and was struggling to push myself over the 6pm finish line. Because I could tell it was probably going to be an early night I went through my to do list and prioritize the three things I have to get done tonight: the job application, paying the water bill, and a birthday card for my boss. Looks like my husband got gas on the way to work $21.65
9pm I have leftover Thai food for dinner that is getting dangerously close to being too old to eat. I then get to work on the application. I have to film a three minute video that easily took an hour but I wanted it to be good. By the time I’m done, I’m beat. I pay the water bill ($82.42) and I pay my Victoria’s Secret Credit Card because I made a purchase last week and want to make sure I don’t miss the payment. I almost forget about the birthday card again. I am stressed and overtired at this point and frustrated that I’m stressed and overtired. I suspect I will also feel this way tomorrow so I go ahead and make a priority list for tomorrow as well. I almost talk myself out of washing my hair because I don’t have time. I do end up washing my hair thankfully because it needs it!!! I journal about my frustration with my energy and by the time I shower, take care of my dog and journal, it is nearly 11pm and I fall asleep fairly quickly. $82.42
Total Day 2: $104.07
Day 3 Friday
5am the cat wakes me up. Not today Satan. I kick him out of the room
8am I actually get up and do my same morning routine. I am feeling more well rested but still a little tired. I have a bagel and cream cheese for breakfast with a lot of coffee. As I’m leaving for work, my friend texts me about getting together tomorrow. We’ve been getting together for social distanced picnics where we basically sit in a triangle outside and talk. It’s a nice way to still get to see each other. We had discussed getting together last weekend and it just did not work.
1pm I give my boss a birthday card when I come in at 10 and she seems to really like it. I also hear from our director that she ordered a cookie cake from a cookie place nearby so to keep a look out from the delivery driver. (My building can be difficult to find.) I keep a watchful eye but eventually they find us. At lunch, I call the vet since last night I realized we were running low on my dog’s heart medication. I also realize it is the day for my dog’s monthly pill so I make a note to give him that tonight. I then have lunch the same as the previous day but no muffin because there are cookies. I have one. While I’m eating my boss sends a schedule update. I work on a small staff of four full time employees and three part time employees. One of our full time employees quit so it throws our COVID scheduling off. I read through the schedule a few times to really get a sense of it.
7pm Home and done with work. I make a frozen pizza, a habit I have picked up every Friday to ease meal planning. While it is cooking I snack on too much popcorn and sit on my computer and update my budget. I look at where my money is going much more often than every week but I try to make a point to really sit down and look at what I’ve spent every Friday. While looking at my money, I decide to spend more. There is a diner in a nearby college down that has pivoted to providing free lunches to anyone who needs them. The owner is publishing a collection of essays so I order a copy ($33.39) I also place an amazon order for my campus’s food pantry- they have an Amazon wishlist so I buy two items that are on highest priority, canned chicken and rice. ($26.88) Lastly, there is a nonprofit in town that a friend runs that’s mission I care about but I am less than great at donating towards. They provide Thanksgiving dinners in my community and I see they already have sign ups for the turkeys so I donate the amount +$10 for general use. ($30). I also make a note in my planner a month from now to donate another turkey and donate again to the food pantry. I have been coming to the realization recently that I want to be someone who donates regularly so I’m trying to do better with that.
9pm I eat and decide to have a chill night watching Gilmore Girls and drinking a glass of wine. I download Among Us on my phone and play a couple rounds. I also play some Animal Crossing.
11pm My husband comes home from work and we cuddle for a bit. I fall asleep around 1am. He got gas station food during his work day ($10.33)
Total: $100.60
Day 4 Saturday
10am I wake up later than I want to and lie in bed for a bit and play some Among Us. Eventually I get up and make coffee and my special weekend breakfast which is a breakfast sandwich consisting of a biscuit with butter, hot honey and a Morningstar sausage patty. This is a quarantine discovery and I used to eat it every day but since being back at work it's too time-consuming during the week. I also make a biscuit with butter and a local honey which is supposed to help with seasonal allergies. I realize we have checks to take the bank. While getting ready I listen to a podcast asking for support on Patreon to stay afloat. When I go to look at their page, I decide to do an annual subscription ($10.20)
11:30am I leave to run errands. I go to the first library stop of the day to return a ton of books in the book drop. From there, I go to the bank to deposit the checks. After that, I drive to my doctors office to get my flu shot. It was quick. I stop at Starbucks on the way out. I have money from a gift card I got in a blood drive and order a grande pumpkin cream cold brew. I wish I had decided to get iced coffee but I definitely didn't think through what I really wanted. From there, I go to Old Navy. I have a gift card from a weird return situation and it is burning a hole in my pocket. I've been wanting to get more masks so I pick up a 5 pack with the gift card and only pay $0.58. Then I realize I forgot to get gas! I thankfully have enough to get by. Stop by another library to pick up my holds curbside then gas ($29.50) then finally home.
2pm At home, I talk to my husband who tells me there are two rumors at work- either they are bringing 9 people back from a recent layoff or they are going to lay off another 50 people in January. Yay uncertainty!
5pm After folding some laundry, I leave the house to head to a friends place. We have been getting together for quarantine picnics where we basically sit in a triangle and talk. We were meeting at the park but have since reconvened to her driveway. While there we decide to get Panera. I have a free pick two so a sandwich,salad, drink, and chocolate croissant cost $3.69. We talk into the evening and I leave around 10.
11pm I settle in for the night with a shower, some wine and popcorn and Gilmore girls. My dog gets his meds including his monthly pill. Looks like my husband did another gas station stop and spent $5.97
Day 4 Total: $49.94
Day 5 Sunday
10am I wake up a little later than I want to and get started on my day. Breakfast is coffee and the chocolate croissant I bought at Panera yesterday. I put chicken in the slow cooker since today is a bit of a meal prep day.
12pm I get dressed. I need to order new glasses. My husband and I both got our eyes checked back in January and I have basically put off new glasses ever since. My current pair are on their last legs so it is time. I decide to try GlassesUSA and order two pairs for $84. I hope one of those pairs works. I get a small amount of cash back on this purchase from Rakuten. $84
2pm Both my husband and I go out for lunch separately, with him stopping somewhere on the way to work. I get a burger and a French fries and onion rings combo for 12.28 including a 25% tip for curbside. He goes to a burger place closer to work ($10.12) and get a drink from McDonalds for $1.09. I am not feeling super great I think due to getting a flu shot yesterday so I take it easy on the couch watching more Gilmore Girls. I also splurge on the PC version of Among Us for $4.99 No ads and better controls is worth it. $28.48
6pm I am finally motivated to do more than laze around though I am still not feeling super great. I shred the chicken from this morning and prep the components on the wraps I’m going to be eating for lunch this week. They are Sriracha Mayo Chickpea wraps from Budget Bytes I also shower and give my dog his meds. I have a slice of the pumpkin bread I made last week and it is disgusting! I am distraught.
10pm I go to bed. I still don’t feel fantastic but I hope I sleep it off.
Day 5 total: $112.48
Day 6 Monday
7am Hey I slept it off. I am feeling much better overall but wouldn’t say 100% I get up and do my weekday morning routine and have a bagel with cream cheese for breakfast. I also spend some time updating my planners moving over undone tasks from last week to this week and looking at what I’ve got going on this week. I check out bank account and realize that our gas bill came out ($32.14)
1pm For lunch, I have my wrap which includes spinach, carrots, bell pepper, and sriracha mayo chickpeas. I also have carrots and an apple and a couple of cookies my aunt made. She likes to cook and bake and will share with my parents and me. She moved to the area three years ago and after living halfway across the country from her, I love having her close by. I remember my friend sent me a free HelloFresh box over the weekend. I click on it and realize I need to use it soon so I order it for next week. I saved $68 which is less than what I spent on groceries last week but I am not sure if it will save money long term since that is $68 just for dinner. My husband went out for lunch and got Chipotle ($13.32)
6pm Done with work! Driving home I really want to stop to grab food somewhere, anywhere but I resist the temptation and have some leftover soup and tortilla chips. I do some house stuff and the regular nightly routine of showering giving my dog his meds, etc. I also finally commit and read my book, An Absolutely Remarkable Things by Hank Green. I am in bed by 10.
Day 6 Total: $45.46
Day 7 Tuesday:
7am I wake up and have the house to myself because my husband left at 5am to go fishing with his dad ($8 for a fishing permit). (They work together so their exposure is pretty overlapped as is). I enjoy having the house to myself but the pets are concerned.
12pm Pretty uneventful day so far. I have to take an early lunch because I have a class at my normal lunch time. Same lunch as previous days though I don’t get to the cookies because I’m short on time.
6pm Done with work! I am stopping at a friend’s house to give her a baby gate then head home. My commute only takes a little longer with the stop- a lot of places are between my work and home. I come home and my husband is exhausted. The starter on the boat broke so they had to paddle a boat that has no business being paddled back to shore plus the general switch up of his schedule. I have some dinner- a chicken sandwich and tater tots. He then gets up and we spend some time together before he falls back asleep. I do my normal evening routine and read in bed for awhile before eventually falling asleep.
Day 7 Total: $8
Food & Drink $161.41
Home & Health $376.37
Fun $12.99
Clothes & Beauty $0.58
Transport $51.15
Other: $100.47
Total: $702.97
Overall, I’d say this was a pretty normal week other than the donations and the glasses purchase. I did a midweek reflection and was alarmed we spend $100 per day but looking at that on a monthly scale it sounds right. We aren’t perfect by any means, but I like to think we have a good balance on spending on things we enjoy and saving for the future. Also, I wasn’t sure if I was supposed to include bills on this, so I did which is why home and health is so high.
This was fun. I will definitely be doing one again. Now just to decide if it will be when I will be working from home or if I will just do the same dates in another month.
submitted by coffeeonlyplease to MoneyDiariesACTIVE

Assassin's Creed Valhalla Review Megathread

Assassin's Creed Valhalla is almost upon us. Use this megathread to post and discuss the reviews of the game. The post will be updated as we get more reviews. Do not post spoilers here or if you do, make sure to hide them!

Game Information

Game Title: Assassin's Creed Valhalla
  • PlayStation 4 (Nov 10, 2020)
  • Xbox One (Nov 10, 2020)
  • PC (Nov 10, 2020)
  • Google Stadia (Nov 10, 2020)
  • Xbox Series X/S (Nov 10, 2020)
  • PlayStation 5 (Nov 12, 2020)
Developer: Ubisoft
Review Aggregator:
OpenCritic - 83 average - 91% recommended - 67 reviews

Critic Reviews

3DNews - Алексей Лихачев - Russian - 9.5 / 10
Brilliant development of the modern formula Assassin's Creed - everything that could not be liked in Origins and Odyssey, here corrected.
ACG - Jeremy Penter - Wait for Sale
Some amazing changes to the way the game is presented, all for the better, can't get out of the way from somewhat weightless combat, bugs and other issues.
Cerealkillerz - Manuel Barthes - German - 9.1 / 10
With Assassin’s Creed Valhalla Ubisoft ventures into something incredible: Taking the Odyssey formula and reinvent it completely. Players will face a realistic and brutal world with a serious story behind it. Protagonist Eivor and the game world are thoughtfully build with a lot of love for details. An amazing experience that is presentable.
Critical Hit - Darryn Bonthuys - 9 / 10
A saga for the ages, Assassin's Creed Valhalla is a breathtaking journey of discovery that has a cold charm to it. It is both serious and ludicrous in equal measure, an RPG that has added more than it has removed from its core experience while delivering a game that feels familiar and completely new at the same time. Skal!
Cubed3 - Drew Hurley - 8 / 10
Fans of the series are going to adore Assassin's Creed Valhalla. Origins and Odyssey felt like Ubisoft trying something new, stretching out and seeing what worked, and Valhalla takes what was learned there and expands upon it. Some things, like the combat, don't feel quite there yet, still, but other elements absolutely have evolved for the better. There's a lot to love here, and not just in the frankly absurd amount of content available. The story is fantastically enjoyable, with Eivor really shining throughout (play Female for what feels the canon story!) - they are truly deserving of standing alongside the icons of this long-running series. This is a legendary tale and an addition to the franchise that is good enough for the gods.
Daily Star - Tom Hutchison - 5 / 5 stars
Assassin’s Creed Valhalla is another success in the series.
Destructoid - Brett Makedonski - 6.5 / 10
But I also found myself making excuses for Assassin's Creed Valhalla until I couldn't any longer. It mimics the Odyssey formula but takes a step backward in almost every way. It sacrifices story for scale. It's designed to discourage stealth in favor of epic battles. It's true to the Viking experience, but it isn't true to the Assassin's Creed experience. That's why it comes off feeling like the least essential game in the whole series. Impressive in some of its accomplishments, but inessential all the same.
Digitally Downloaded - Matt Sainsbury - 4.5 / 5 stars
That being said, as far as the gameplay is concerned, this series is going nowhere interesting at this point there while there will be more, and I really implore Ubisoft to take a good, hard look at the bloat and consider whether a more streamlined approach that doesn't get in the way of the best feature (the history and narrative) would not be wiser next time around.
DualShockers - Cameron Hawkins - 9 / 10
Assassin's Creed Valhalla is a combination of everything that made the series great up to this point while cementing all that it needs moving forward.
Enternity.gr - Christos Chatzisavvas - Greek - 8 / 10
The change of direction seems to be paying off and Valhalla is forming a new basis for future titles in the series.
Eurogamer - Tom Phillips - Recommended
Valhalla is another enormous Assassin's Creed saga, lavishly designed, with its sights set on story direction over narrative choice.
Everyeye.it - Giuseppe Arace - Italian - 8 / 10
Anyone willing to turn a blind eye to some technical and silly edges will play one of those adventures that the Vikings would not hesitate to sing in the Norse courts. Odin's with Ubisoft.
Gadgets 360 - Akhil Arora - 6 / 10
Assassin's Creed Valhalla is too much of the same thing, and it's not nearly engaging enough.
Game Informer - Joe Juba - 9.3 / 10
Assassin's Creed Valhalla is full of interesting stories and fun interlocking systems, making it an engrossing world you can easily get lost in
Game Rant - Joshua Duckworth - 4.5 / 5 stars
Assassin's Creed Valhalla is a love letter to fans of the classic action-adventure titles as well as the newer role-playing mechanics.
Game Revolution - Michael Leri - 2.5 / 5 stars
Obsessing over playtime and Content™ at the cost of innovation and depth puts Valhalla‘s ability to actually get into Valhalla in question, as it doesn’t quite earn the kind of glory that only the best Vikings achieve.
Game Volt - Ahmed Hassan - Arabic - 8.4 / 10
I can easily recommend Assassin's Creed Valhalla to everyone, everyone should go through this experience and enjoy it and its world full of many different and really useful changes for the series. This is a game that brings back the glories of Assassin's Creed as we used to.
GameMAG - Russian - 9 / 10
Assassin's Creed Valhalla is still an Assassin's Creed title, but the one that manages to left behind some questionable things from the last two games, all the while presenting us with a much greater direction, a really dense map, engaiging plot, and a breathtaking setting.
GameSkinny - Jordan Baranowski - 8 / 10 stars
Assassin's Creed: Valhalla builds its world around a familiar formula, but with a compelling story and plenty of things to do, it's a game series fans will find inviting.
GameSpot - Jordan Ramée - 8 / 10
Though its campaign takes time to get going, Assassin's Creed Valhalla brings a satisfying finish to the current saga of the franchise.
GameZone - Mike Splechta - 9 / 10
As an Assassin's Creed fan who has stuck by the series through its high points, and was certainly disappointed by many of its low points, I can confidently say that what Ubisoft has crafted here was not only crafted with an immense amount of love and respect for the series, but for its fans as well. Assassin's Creed Valhalla is one Viking adventure you certainly don't want to miss.
Gameblog - Thomas Pillon - French - 7 / 10
With Assasin's Creed Valhalla, Ubisoft tries to synthesize a decade-long series, thanks to clever adjustments on its RPG rhythm. With a brilliant lightning, the game visually stands out, but sometimes fail to really follow on its technical part, with messy AI and way too many loadings times which can break the momentum of the adventure. Rich, dense, but also time-consuming, Assassin's Creed Valhalla still offers a good run, thanks to its historical setting and beautiful landscapes.
Gamer Escape - Eliot Lefebvre - 9 / 10
Like I said at the beginning, you kind of want these games at some point to stop working, but… Assassin’s Creed: Valhalla really works. It works in all the ways it wants to work. It takes the bones of its predecessor and improves the overall gameplay significantly, giving players plenty to do, characters to invest in, and a satisfying core gameplay loop that’s been refined down to a careful formula at this point.
Gamers Heroes - Blaine Smith - 95 / 100
Assassin's Creed Valhalla is the best tale the franchise has ever told, featuring the most varied and rewarding gameplay the series has seen in years. Valhalla will forever dine in Odin's Hall as one of the greatest RPGs of this generation.
Gamersky - 不倒翁蜀黍 - Chinese - 8.7 / 10
Assassin's Creed: Valhalla is the wildest installment in the franchise. Compared with Origins and Odyssey, it's slightly improved in terms of performance, the open-world, and variety of gameplay.
GamesRadar+ - Louise Blain - 4.5 / 5 stars
With a sprawling world to conquer and gory combat but also the chance to use that iconic hidden blade, Assassin's Creed Valhalla brings a triumphant balance to the series.
GamingBolt - Shubhankar Parijat - 9 / 10
Assassin's Creed's third crack at the massive open world RPG formula is also its most confident, making for a streamlined yet sprawling adventure that ranks as one of the best the series has delivered since its inception over a decade ago.
Generación Xbox - Juan Lorente - Spanish - 9.5 / 10
Assassin's Creed: Valhalla continues the path started with Origins and gives us one of the best RPGs of the last years. A world full of life, a system that fights brutally and hundreds of things to do make it a serious candidate for GOTY 2020.
GideonsGaming - Joseph Pugh - Unscored
There's a ton of stuff left for me to do, so while I'm not comfortable settling on a score just yet. I can say with incredible confidence that Valhalla is the most refined and well-designed Assassin's Creed game to date. As I move toward converting this piece from a review in progress to a full review. I expect I'll double down on that stance.
Glitched Africa - Marco Cocomello - 9 / 10
Assassin's Creed: Valhalla may be an even further step away from the traditional Assassin's Creed recipe but it is still a great game. Besides the addictive combat and fantastic skill tree, I loved how it fixed the pacing issues from Odyssey. I had a purpose this time around and knew where I was going and what I was doing. The Viking setting is refreshing too and delivers some decent tales to experience while exploring a breathtaking world.
Hardcore Gamer - Chris Shive - 4 / 5
Assassin's Creed Valhalla brings quality of life improvements to the new Assassin's Creed model but doesn't stray too far from familiar territory.
Hey Poor Player - Francis DiPersio - 4.5 / 5
At the end of the day, Assassin’s Creed Valhalla is an exceptional adventure that should please fans of the series. Ubisoft Montreal has succeeded in crafting a striking medieval world that’s just begging to be explored. I loved the new town-building mechanic. It was hugely addicting and provided a satisfying sense of progression. Speaking of progression, while initially overwhelming, the staggeringly deep skill tree and wealth of unlockable combat abilities combine to give the player an incredible amount of freedom when it comes to customizing their ideal assassin.
If you’re a fan of the series, don’t sit this one out. Assassin’s Creed Valhalla is an adventure fit for Odin himself.
Hobby Consolas - Daniel Quesada - Spanish - 89 / 100
If you weren't a fan of the franchise, this game won't change your mind, but if you are a believer of the Creed, you'll find a gigantic, really engaging experience here. The vikings context fits like a glove.
Hynerd.it - Alice Rondoni - Italian - 8.3 / 10
Assassin's Creed: Valhalla proves to be the worthy continuation of its predecessors, both in gameplay and in terms of story. Maybe there are some bugs too many on day one, but considering the period we can pass on them. Nothing a patch can't fix. If you like the RPG mechanism you will love this chapter, which will keep you glued to the screen for many hours, without ever getting tired.
IGN - Brandin Tyrrel - 8 / 10
Assassin's Creed Valhalla is a massive, beautiful open-world fueled by brutal living and the dirty work of conquerors. It's a lot buggier than it should be but also impressive on multiple levels.
Impulsegamer - Stephen Heller - 4.6 / 5
A intriguing change of pace that gives the Assassin's Creed series the breathing room it has so desperately needed for eons, without making any compromises on content. Well worth you time to enter the gates of Valhalla.
Kakuchopurei - Alleef Ashaari - 80 / 100
If you liked Assassin’s Creed Origins and Odyssey, Assassin’s Creed Valhalla improves on almost every aspect from its predecessors. The combat and open-world are better, as is the writing and narrative. Plus, you get to live out your fantasy of being a Viking in 4K crystal clear glory.
Kotaku - Zack Zwiezen - Unscored
Overall, it feels a lot of care and thought went into making Valahalla feel less like a checklist of things to do and more like a world to organically experience.
Leadergamer - Alper Dalan - Turkish - 4 / 5 stars
So many things to do!
Merlin'in Kazanı - Emre Yurt - Turkish - 80 / 100
Assassin's Creed Valhalla promises long hours for fans of the series with its open world and successful Viking theme.
MondoXbox - Andrea Giuliani - Italian - 8.6 / 10
With Assassin's Creed Valhalla Ubisoft keeps on improving on the action-RPG formula, streamlining some gameplay mechanics and reviving some others from the series' distant past. The Viking plot feels accurate and fully convincing, with many interesting references to their myths and uses, while the modern-time storyline keeps on feeling too underdeveloped.
Noisy Pixel - Azario Lopez - 9 / 10
Assassin’s Creed Valhalla takes the advancements of the series found in Odyssey and applies it to a whole new setting. As brutal as the period of Vikings is, there’s something beautiful about this adventure. Every action is rewarded with some great moments of storytelling, and aside from a few narrative roadblocks tied to the player’s level, there’s an amazing world here just waiting to be discovered.
PC Gamer - Steven Messner - 92 / 100
Bloody and captivating, Valhalla is Assassin's Creed at its best.
PSX Brasil - Thiago de Alencar Moura - Portuguese - 85 / 100
Assassin's Creed Valhalla ends this trilogy in the series in a very satisfactory way. The return of stealth to its origins is great, the combat keeps the same structure from the previous games and the story is up to par with its predecessors. It is a pity that the PS4 version suffers from several technical problems, but other than that, it is a mandatory game for fans of the franchise and manages to capture the Viking spirit well in their adventures.
Pixel Arts - Erfan Sedeghi - Persian - 8.8 / 10
Assassins' Creed Valhalla can be considered the most detailed Assassin's Creed EVER, in the vast and spectacular area of which you have numerous activities to experience that you will need at least 100 hours to do all of them! Of course, there are problems that will occasionally damage your experience, but Valhalla is definitely a desirable Viking title that you should not doubt.
PlayStation Universe - Michael Harradence - 8 / 10
Assassin's Creed Valhalla is everything I hoped it would be, and more. It sells the Viking fantasy flawlessly, is brimming gorgeous locations, vistas and interesting characters, and will keep you busy for 100 or so hours if you want to grab everything on offer. It's buggy in places, and the grinding is overwhelming at times to the point where it spoils the feeling of exploration and progression. However, these shortcomings can be overlooked if you're willing to stick with it. And you should, because Eivor's journey is one worth soaking up.
Polygon - Nicole Carpenter - Unscored
Valhalla’s most intriguing story is one about faith, honor, and family, but it’s buried inside this massive, massive world stuffed with combat and side quests. That balance is not always ideal, but I’m glad, at least, that it forces me to spend more time seeking out interesting things in the game’s world.
PowerUp! - Leo Stevenson - 9.6 / 10
Assassin's Creed Valhalla is the best Assassin's Creed ever. Fully embracing its new genre and giving players so much choice and freedom has paid off handsomely. There's not really much more to say. You simply have to experience it for yourself.
Press Start - James Mitchell - 9 / 10
Assassin's Creed Valhalla blends old and new to create a unique experience and one of the best Assassin's Creed experiences yet. It combines series-best combat, a compelling story, and mesmerising locales to dually offer a definitive Viking and assassin experience.
Pure Playstation - Chris Harding - 9 / 10
Ubisoft delivers another open-world epic, but this time it's a focused and streamlined affair. The graphical overhaul works to announce the end of one era and the beginning of another as Assassin's Creed continues its ongoing evolution as an accessible action-adventure for the long-time fans, while still offering a deep RPG experience for those introduced via Origins and Odyssey.
Rock, Paper, Shotgun - Alice Bell - Unscored
For fans of the series it’s really entertaining. It might not set the world on fire, but you can set some virtual bits on fire yourself if you want.
Rocket Chainsaw - David Latham - 4.5 / 5 stars
It’s hard to find flaws in Valhalla unless you’re a die-hard Assassin’s Creed fan.
Screen Rant - Rob Gordon - 3.5 / 5 stars
Enjoyable, but struggles with scope.
Shacknews - Bill Lavoy - 8 / 10
Ubisoft is known for their fun open worlds, but it appears that experience and previous stumbles have seen them take big steps forward, making Valhalla one of their best Assassin's Creed games in recent memory.
Sirus Gaming - Jarren Navarrete - 8.5 / 10
Eivor's tale is an interesting story to experience and the gameplay that comes along the journey is liberating without being repetitive. With that, we recommend the game fully. It's not without its flaws. Even under the shadow of its predecessors, Valhalla is certainly a game that stands on its own.
Spaziogames - Paolo Sirio - Italian - 7.8 / 10
Assassin's Creed Valhalla has compelling story and themes, an often brave exploration component and inspired characters, even though those are all flooded by fillers seeking to artificially raise the longevity value.
Stevivor - Ben Salter - 9 / 10
Like Origins, Valhalla benefits from a year off with a fresh audience. It doesn’t reboot this time, but instead improves upon the duo it’s following, introducing proven elements from some of the best in the business.
TechRaptor - 9 / 10
Assassin's Creed Valhalla streamlines the best parts of Origins and Odyssey while trimming the fat, though is hampered consistently by bugs and technical problems. Still, it's a journey well worth taking.
The Digital Fix - Seb Hawden - 8 / 10
Assassin's Creed Valhalla is fun, with its many activities and a rewarding gameplay loop. There is nothing better than rocking up to a monastery with your raucous crew and robbing them blind.
TrueGaming - محمد جابر الصهيبي - Arabic - 8.5 / 10
Assassins creed Valhalla is fantastic on next generation systems with 60fps smooth gameplay experience and fast loading times, it is a great game with an impressive world to explore for hours and hours.
USgamer - Reid McCarter - 3.5 / 5 stars
Assassin's Creed Valhalla's vision of ninth-century England is a beautiful place to explore, populated with a great cast of characters who make up for the bland new protagonist, Eivor. Nevertheless, the tired overarching story of Templars and Assassins, and a design ethos that overstuffs the setting with side activities, add unnecessary bloat and distractions to the experience. Valhalla's a solid action-adventure game that does well to capture the turmoil of its historical era, but it's weighed down by the increasingly ponderous legacy of the series it represents.
Vamers - Edward Swardt - 95 / 100
Assassin’s Creed Valhalla takes inspiration from every single one of the franchise greats. From Assassin’s Creed II’s exceptional writing and Assassin’s Creed IV: Black Flag’s unlikely hero, Valhalla is both expertly written and has an unusual hero destined for greatness - one who has no real interest in the Hidden Ones, at least to start. From Assassin’s Creed Origins’ superb and intimate narrative and Assassin’s Creed Odyssey’s full-fledged role-playing game (RPG) mechanics, Valhalla doubles down on all facets to deliver one of the best gameplay experiences featured in any Assassin’s Creed title to date. Evior truly is a loveable protagonist that players fall in love with quickly. Their struggle is the player’s struggle, and that is the best compliment a game can ask for. However, there are so many additional aspects that make the game an even better experience: the exceptional soundtrack and sound design; World Events that do not repeat; settlement building, and so much more! Assassin’s Creed Valhalla is immensely fun and satisfying to play, and offers constant surprises that do not seem to stop or disappoint. It is, undoubtedly, the best Ubisoft has to offer at this stage in time, and will forever be regarded as one of the greats in the Assassin's Creed franchise.
Video Game Sophistry - Andy Borkowski - 9 / 10
This is not a tactical assassination simulator - it's a complicated, crafted and nearly perfect open world experience that (if you give it a chance) it will win you over
Wccftech - Francesco De Meo - 8.5 / 10
Assassin's Creed Valhalla is a definite step up for the series, thanks to the many tweaks made to the RPG mechanics that powered the previous two entries in the series, better storytelling, great atmosphere, and meaningful side-content. Even with the tweaks, however, Assassin's Creed Valhalla is still an Assassin's Creed game at heart, so those who are not into the Ubisoft open-world game design will hardly change their opinion with the game. Everyone else will probably love every second of Eivor's adventure, especially if they are into Vikings and ancient Norse culture.
WellPlayed - Adam Ryan - 9 / 10
Valhalla brilliantly mixes brutal combat with satisfying stealth to offer up a package that ticks many open-world boxes that are so often missed
Windows Central - Jennifer Locke - 4 / 5 stars
Assassin's Creed Valhalla provides a gorgeous playground to explore with excellent combat. Though the story seems unnecessarily long, it's a fun Viking tale mixed with the series' own flare and sci-fi elements.
Worth Playing - Chris "Atom" DeAngelus - 6.5 / 10
Assassin's Creed: Valhalla is a mostly solid, if somewhat unambitious, Assassin's Creed game that is dragged down by a shockingly poor PS4 release. I look forward to seeing how it runs on a PS5, but the last-gen version is hard to recommend due to the sheer amount of issues that I encountered while playing through the game. If you discount those issues, Valhalla would be a comfortable 8.0, but one can't just ignore those issues. Fans looking to continue the franchise's story should wait until Valhalla receives a series of patches or until they can pick up a next-gen version.
Zoomg - Sadegh Tavazoyi - Persian - 7.5 / 10
Assassin's Creed: Valhalla delivers a great blend of storytelling and characterization for a true Viking journey and mixes it with enjoyable gameplay that has deep combat and RPG elements. The problem is that Valhalla technically has serious problems. Bugs and glitches in this game are really annoying and effect almost every other aspect of it.
The Codex Network - Rino The Bouncer - English - Unscored Video Review
Assassin’s Creed Valhalla is not story that shows its clear focus from the opening chapter like the older titles, nor does it tackle the essential lore aspects as easter eggs, but it lays out its concepts here and there and it takes its time developing each of them over tens of hours of playtime in the main narrative arcs alone. It is one experience that needs to be consumed as a whole to completely appreciate its value and place within the grand universe, and it does so phenomenally well.
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