Personal Finance A tip for those of us that eat takeout on consistent basis. |
- A tip for those of us that eat takeout on consistent basis.
- Warning: If you get a call or voicemail from a credit card or your bank, use the number on the card to call them back
- How do people afford weddings?
- Sketchy Employer has is telling me I am getting a 1099 not a w2 after working 60hr weeks for months (Virginia, US)
- Legendary investor Jack Bogle weighs in on the record rally
- I'm drowning and I don't know what to do.
- Hospital claims they 'admitted' me to my insurance (even though they did not), my insurance denied my claim because it was not deemed 'medically necessary' to admit me. What do I do?
- I have 15k invested in Apple and 18k invested in Netflix... what should I do with it?
- I just got a refund from a hospital bill!
- This year I had a plan to pay off all of my credit cards and student loans. Beaten by mental illness & lack of respect for money, I ended up racking up $11,000 in additional credit card debt, $8,000 in tax debt, and can barely afford to live this month. Hoping this is finally my wakeup call.
- How are people eating on tiny budgets? I meal prep and still spend $400+ on groceries every month. (CAN)
- Ex-wife cosigned car lease. In the divorce paper she is responsible for the payments (she has the vehicle) Now she is not making payment.
- Just learned my parents carried half a million in debt to raise my sister and I, need your help to process this info. (MY)
- New to filing taxes with 1099
- I wanted to see how I'd survive alone so I kept my roommates share of expenses in Venmo. It's grown to nearly $5k, where should I put it?
- Homeless and really need help
- Uni wants me to pay them half of what I owe them in loans now or they won't let me take any more classes
- My mother spends hundreds a month on microtransactions in mobile games that we don't have and it could cost us our house & has costed us our car - what can I do?
- Moving an elderly family member into our home who wants to use the sale of his home to reduce our mortgage. What is the best way to accomplish this with maximum benefit.
- 401k Disbursement Check bounced.
- I’m 18 and don’t know what to do with my money. Advice please
- Who is retired or soon to be?
- My car blew up does carmax owe me money?
- Medical Responsibility
- Somebody has hacked my EBay account... what are my next steps?
| A tip for those of us that eat takeout on consistent basis. Posted: 05 Dec 2017 07:11 AM PST A couple of months ago I was looking at my bank statements and each month I was spending about $200 on eating out. The first piece of advice I see when someone wants to pay off their debt is to cut back on expenses. Eating out seems to be the main offender. I decided to take a different approach. Every time I wanted to order take out, I took the amount of what my order would be and placed it into my savings. In the past couple of months I've saved a little under $200. This included everything from fancy burger places to dollar pizza. Even little things like going to the store across the street to buy a can of soda. Watching my savings grow has been really motivating me to cook at home more and stay away from junk food. I used to eat takeout at least twice a week and now I'm down to once or twice a month because of it. Edit: So I'm getting a lot of mixed feedback here and some are very valid. Note that this is not something that works for everyone as everyone is under different circumstances but I do find that this works for a lot of people. This isn't a catch all by any means. For those of you calling it stupid, while thats your personal opinion, remember that different techniques work for different people. If eating takeout is more beneficial to you then that's great. This post is for those that want to save money but eat out regularly. Personally, I think its helpful to see things on paper. Additionally I never said to stop eating out entirely. I understand the necessities of enjoying one's self for their mental and emotional well being. I will eat out every now and then especially if it's a special occasion. I'm talking about those of us who eat out multiple times a week. There are benefits to each, its just a matter of picking what's most important and sensible for you. To those that are saying that they don't want to eat boring/bland food learn how to use spices and herbs properly. [link] [comments]  |
| Posted: 05 Dec 2017 02:43 PM PST Since it just happened to me about 30 minutes ago, I wanted to warn others. So, about an hour ago I get a call from a number I don't recognize. I always screen numbers I don't recognize, so I let it go to voicemail. It is a representative from one of my credit cards saying it is very important I get in contact with them as soon as possible. When I got the chance, I pulled out my card and notice that the number the rep left is completely different from the number on the back of my card. I call the number on the card and speak to a rep. They tell me that there is no issue with my account and that it was almost certainly a scam call. I just wanted to share this in the hopes that it may save someone else the grief of getting caught up in a scam call. Edit for missing word. [link] [comments]  |
| How do people afford weddings? Posted: 05 Dec 2017 08:25 AM PST Me and my fiancee are planning a wedding. Her family is huge and she wants to invite a total of 75 to 100 people. We live in MD outside DC and have looked at several places in the area up to PA. The prices are ridiculous. So far all quotes are around $17k to $20k and that's with cutting out a lot of stuff. Both are families are poor and my fiancee doesn't make shit so I'm paying for 100% of it. To make it worse we both have student loan debt and some credit card debt. Makes absolutely no sense to me to pay for this wedding while we have this other debt. My fiancee feels the same but still wants the wedding. How do people afford this? At the same time I know my fiancee has been looking forward to a wedding her whole life and I would feel horrible if I couldn't give her what she wanted. We aren't doing anything fancy, very basic, and it's still damn expensive and frustrating. [link] [comments]  |
| Posted: 05 Dec 2017 05:55 AM PST Hi guys, So this sketch employer (known for taking advantage of employees) I had since August is telling me I am getting a 1099. I quit just before getting healthcare, which they said I would get after the probational period ended. I do not think I signed anything other then a generic employment form. I pulled 60 hour weeks most of the time, can they declare me a contractor and not a full-time employee? I grossed about 9k while working here. I don't want to foot an extra 7% tax bill. please help. Edit: My job was creating emails peddling land and creating excel files. We did not discuss the schedule, just that I needed to come in at 9am every day. The days slowly got longer and longer as I worked. I was soon getting out at 8pm every day. The boss just gives us a ton of work as he leaves the office. The equipment I used was just the companies desktop and printer. I was mostly doing a ton a research, I don't know that they dictated how to do it. [link] [comments]  |
| Legendary investor Jack Bogle weighs in on the record rally Posted: 05 Dec 2017 05:52 PM PST You would be hard pressed to find a better man than Jack Bogle. https://www.cnbc.com/2017/11/20/jack-bogles-5-bold-investment-predictions-for-2018-and-beyond.html [link] [comments]  |
| I'm drowning and I don't know what to do. Posted: 05 Dec 2017 03:06 PM PST I don't even know where to start. I can barely breathe. I keep trying to fix things and everything keeps getting worse to the point where I really don't particularly even care about being alive any more...but I have two little ones that need me. I just don't know what to do at this point and I'm tired of crying all day every day and the panic attacks. I'm 26, I'm a single parent. Currently I own a retail boutique and am finishing my degree in biology. I wanted to be a pediatrician originally but that's currently out of the running both financially, emotionally, time-wise, and just about everything else. I just took half of my finals for this semester (the rest on Thursday) and then I have one semester left (graduation would be in May). I am paying for this final year of college with student loans (with the possibility that my parents will reimburse me when I get my diploma). The problem is, that through bad business and personal decisions made while I was extremely manic (before I was diagnosed with bipolar I disorder this year), I have acquired about $48,000 in debt. I managed to pay down about $5000 of that (purely credit card debt) over the summer - leaving me with $43,000. That number is so astronomically huge I don't even know where to start. My credit is bad, approximately 520, even though I've paid off all majority of the medical bills that were listed on it in 2015 - they're all marked as settled for less than full amount. I have one credit card now, with a $1500 limit, that is utilized and completely paid off by the due date, but it's only 2 months old. All other credit cards have been paid off. My student loans are deferred but currently total $5500. Derogatory marks on my credit are listed as age of accounts, number of accounts, accounts settled for less than full balance, and a lien that has been paid off (ex-husband intentionally didn't pay the taxes on the house so I would be liable as well - deed was in both of our names but mortgage was in his name only, and we had moved 6 hours away so I wasn't notified of the lien until it showed up on my credit. It's been released and I've attempted to submit the release to have it taken off, but it's still there.) Breakdown: $32,000 to a contractor - have already paid him $20,000 of the original $52,000, have been served with papers demanding payment of the remainder. $8,000 - Title Loan taken out at the insistence of the contractor to "tide him over" until I could get a loan for the full amount I owed him, which hasn't happened due to my credit score. $3,000 - Medical bills from an abuse incident in April, the hospital forgave all of my abuser's medical bills but said I made too much for mine to be forgiven, even though he was formally charged and tried and is supposed to pay them...he hasn't. One just showed up on my credit this morning...plummeting my score 51 points. All of this wouldn't be so bad if I had any positive income coming in..but currently I'm barely breaking even with the bills as it is with the income from working at the store. I haven't paid November's rent yet, and now December's is due today. ($1000 each month). This is after I downsized our housing into the cheapest available space in our area, traded in my car for one without payments, canceled the babysitter and bring my youngest to work, and took my oldest out of private school. The store was originally making ~$20,000 a month before expenses (net profit ~$6k), my then-fiance was making ~$40k a year, and I had child support ($850/month) and royalties ($300/month). Now the store is making ~$3-4k a month, no secondary income, child support has been cut to $650/month, and royalties (oil/gas) have gone down to about $130/month. I'm desperately looking for a second job that's flexible enough for me to still be able to pick up my oldest from school as she's not old enough to be home alone and to either keep my youngest with me or pay someone to watch her. It just seems like an all around impossible situation to climb out of, and I don't know what to do. I've tried making plans and discussing them with my parents and structuring repayment plans, etc...but all of that hinges on them agreeing to be cosignors - which they refuse to do. They've been telling me to just file bankruptcy and get it over with, but I also don't want to lose everything I've built up...as little as it is. I just don't know what to do or where to turn. [link] [comments]  |
| Posted: 05 Dec 2017 04:32 PM PST So here's the scoop: I went to the overnight ER on the 26th of last month with a peritonsillar abscess. I was there for 8hrs not admitted but rather in the ER awaiting treatment. I was given antibiotics, steroids and painkillers, then around 7am ENT doctor came down and drained the abscess :/ Long story short, this is an outpatient procedure that does not require any sort of additional time in the hospital if treated immediately, which mine was. Here's where things get hairy: sometime in the following half hour, as I was collecting my things, a nurse came over to inform me that I had been admitted for observation. This came as news to me since nobody gave me the option of refusal, and shortly thereafter another nurse came over to do an inventory form for my personal belongings. I immediately asked why I had been admitted, and was given a surprised look by a nurse who literally said, "Nobody told you they'd admitted you? That's strange." At this point I immediately told them that I did not want to be admitted and that I could not/did not want to stay in the hospital, at which point I was discharged and sent along my merry way. Flash forward to today, when I open my mailbox to discover that my health insurance has completely denied my claim because admittance was deemed 'medically unnecessary', which for the record it definitely was. The problem here is that, while I was likely admitted on paper, I definitely did not stay in the hospital more than 15 minutes between being admitted and being discharged, and I told multiple nurses at least once that I did not want to be admitted in the first place. So the question is, how do I fight this? Is this a common thing? Any help here would be amazing. [link] [comments]  |
| I have 15k invested in Apple and 18k invested in Netflix... what should I do with it? Posted: 05 Dec 2017 06:31 PM PST In my IRA, i have 33k invested in those two stocks in title, and I also have another 50k in cash in my IRA. Can I get some advice on what to do with my cash and stocks? Bought the stocks about a year ago. Gained about 11k [link] [comments]  |
| I just got a refund from a hospital bill! Posted: 05 Dec 2017 07:17 AM PST Hi folks, I'm posting because I really didn't expect that this would happen and hope that it can help someone else in the future! Prior to conceiving our first child, my husband and I completed our goal of saving ~$6000 in our HSA to pay for all of the costs associated with having a baby on an HDHP in the US. The cost was based on an insurance-estimated normal pregnancy and delivery charge; we were lucky to have a non-complicated pregnancy and delivery. Prior to delivering, I called the hospital billing department to get more specifics of how much delivery and recovery from birth would cost. They were able to give estimates, but the (very, very nice and helpful) billing specialist also indicated to me that we could receive a 20% discount on our total hospital bill by 1) paying the hospital the estimated amount of our care before they billed insurance and 2) paying that amount in full. Come September, I delivered our son on a Sunday morning, we were discharged from the hospital on Tuesday, and I made a visit to the billing department that Friday and paid our estimated cost in full (approximately $4800). That included the 20% discount, so the insurance estimate of $6000 was pretty spot-on. Well. I got a check in the mail yesterday from the hospital with a reimbursement of $1600. It turns out that insurance covered more than they estimated, so they returned my overpayment. I was flabbergasted, to say the least. It's like finding a $20 on the sidewalk, but 80 times better. :) If you are going to a medical provider for an expected procedure (surgery, delivering a baby, etc.), ask the billing department if they offer a similar discount! Even if we weren't able to pay in full, we would have received at least a 10% discount for paying the estimated amount in installments. I hope someone else can benefit from this knowledge! [link] [comments]  |
| Posted: 05 Dec 2017 02:57 PM PST People have always told me they thought I was going to be rich some day. I was smart, and seemed to always be driven to do something big. I was convinced too at one point. But at age 28...I think its finally sunk in, I've officially hit rock bottom. Despite working since the age of 13, I never really grew any respect for money. I didn't place enough value on saving it or living frugally. I don't buy a lot of "stuff"...I don't spend on clothes or cars or electronics. I tend to spend on experiences. If I wanted to do something, go somewhere, eat somewhere...I did it, and figured out how to pay for it later. I was too impatient with too much FOMO to sacrifice today for some benefit tomorrow. For a long time, that mentality worked. Part of me maybe even got off on the rush of taking my bank account to the brink. I'd take side jobs if need be...or lean on my credit cards to get by. I was smart enough that I'd always miraculously manage to skirt by no matter how much I lived beyond my means. I didn't care about paying bills on time, and thought my credit score was invincible. I rarely budgeted. And I never successfully saved, despite trying many times. Until I graduated college, debt was always some imaginary number I'd deal with at some point. After college, its felt like I built myself a prison. I'm terrified of debt now...but its always been my fall back. On top of my poor money habits (and probably one of the causes), I've suffered from chronic depression, anxiety, OCD, and ADD since I was a teenager. I'm 28 now and have never been to therapy. I took me until a few years ago to realize how much I needed it if I was going to thrive in life. At that point I couldn't afford it over other things I wanted to pay for. And I was so messed up by it that its taken a huge toll on my ability to stay motivated & organized enough to succeed with work. This leads to the catch 22 of not being able to earn enough extra to get the therapy I need. Unable to function well in a traditional corporate office setting, I started my own consulting company a couple years ago. I sold my car to save some cash. Business was good. I thought I had grown enough that if I maintained my current cost of living & took on another client, I'd be able to pay off the remaining credit card debt I had (was about $6k at the beginning of the year), and the $33k in consolidated student loans remaining. I figured I'd be able to break $100k income this year. It was a goal of mine to be debt free so I could begin saving to buy a house & do some traveling. Things didn't go as planned. A particularly bad period of depression hit. I got complacent. I lost one client. Then a prospective client fell through. Suddenly I was down $6000/month in expected monthly income. I tapped into the cash I put away to pay my self employment taxes. I kept chugging along. Then another client didn't renew their contract. I had just 1 full time client and a part time client left. I thought I'd be okay. That full time client owed me ~$8,000 from past invoices. I tried to collect the money they owed me. Their old CFO left, and the new one doesn't want to pay. I've lost their business, and have had to retain a lawyer to take them to court...it could be months before I get paid anything by them. Within the last several months I nearly maxed out all 3 of my credit cards to pay my bills. My credit was still good, I thought...so I applied for a consolidation loan to get me through until I can climb out of this. I was denied. I tried to increase my available credit on the cards. Denied. My insurance was supposed to take care of some outstanding medical bills I had on appeal. They never came through. The debt eventually went to collections....my credit score had tanked....I can't afford to pay the outstanding debt. I have ~$3300 in income coming in this month, and ~$4000 in expenses to keep my head above water. I currently am late on my $750 rent, waiting for a check to clear. I have $0 set aside for the remaining ~$8,000 in business/income taxes I"m going to owe at the end of the year. I've cut down to eating 1 meal per day. My health insurance has been suspended for non payment of premiums. I don't have money to renew this year. I had planned to travel a lot this year. Thats out the window. I owe my girlfriend ~$500 and counting already. My mind is so messed up right now with the stress/ADD/depression and lack of executive functioning that I spend most of the day procrastinating. Then I'll work for 3-5 hours into the night, usually finishing around 3/4am. I'm exhausted and workload is racking up. My girlfriend had big plans for the next 2 months month. She wants to travel for her birthday. I've told her I don't think I can afford to do much of anything... She already bought the tickets. I don't think I can even afford to even get her a gift. I don't know how I'm going to contribute to holiday presents for the rest of the family this year. I'm too ashamed to tell them how broke I am. I see my friends several years younger than me buying houses, new cars, traveling the world...fully funded 401Ks, money in the bank. I had planned to be out of debt by this time this year. I planned to make over $100k this year. Instead...my plans went to shit. I made closer to $45k, I have $50,000 in interest-accruing debt debt, $8,000 in tax debt, no car, and no savings. All of those stupid little experiences in my early 20s, were at the expense of my happiness & freedom now. My girlfriend knows I'm tight right now...but nobody knows how bad its gotten for me. I'm overwhelmed with all of this, and don't know where to start to climb out. Everybody still seems to think so highly of my business skills. They don't have a clue what I've gotten myself into. I feel like a totally inept failure. I hope this is my final wakeup call to get my act together. But i've been in similar spots before (albeit not this bad). I'm stuck in a cycle. Sometimes I snap back to reality, and bust my ass to spend less/earn more for a month or two. I'd tell myself, "This time you're going to break the cycle". Then as soon as I climbed out of the hole a bit, I'd grow complacent again. I'd get lured by that trip I want to take... or that festival I really want to go to...or that restaurant I've always wanted to eat at. If I can get back enough to get the therapy I need, I might have a fighting chance. Thats my only goal right now. Just hope I can make it till then without making things far worse. And I really hope I'm not too far gone to be fixed. [link] [comments]  |
| Posted: 05 Dec 2017 10:25 AM PST I don't get it. I come on here and see people eating on shoestring budgets of a couple hundred dollars or less. How? I don't understand. For the past 2 months I've been meal prepping like crazy, haven't eaten out once, and I'm still spend $400+ (CAD) on groceries every month (just for me, a single guy). I have made every one of my lunches, generally consisting of some sort of vegetable soup or chili with homemade bread, banana, apple, sometimes stromboli. Often I'm STILL hungry after lunch. I then eat pretty much the same thing for dinner. (minus the fruit.) Breakfast is just a bowl (more like 3) of cereal with milk. Even cooking all of my own meals, I'm still spending a decent amount of money on food every month. I can't eat any less. I bike 20 miles every day and I have an extremely fast metabolism. I'm hungry constantly. And it's not like I'm eating junk! I made vegetable minestrone soup last week... broccoli and cheese soup, corn chowder this week. Am I doing something wrong here? Every weekend when I go to the store to buy things to prep, I spend ~$100. I don't waste food, I haven't thrown any decent amount of food away in a long time. I eat almost everything before it goes bad (other than celery, that stuff goes bad so quickly.) Is there anything I can do to get that number down? I used to really like sweets but I'm desperately trying to cut back, so instead I just eat fruit. Pomegranates seem to be my vice right now, I'll generally eat a couple a week. But still, that's $10... maybe. Thanks. [link] [comments]  |
| Posted: 05 Dec 2017 01:40 PM PST Divorced after five years of marriage. In the divorce paper she get to keep the car that we leased with her being a co-signer. In the divorce paper she is also 100% responsible for the full payments and all financials having to do with the car. However she has stopped making payments. I have spoken with the finance company and explain that she has taken all liabilities with respect to the lease, but they says they will still report to the credit reporting agency as a late / missing payments on my credits. Is there anything I can do to mitigate the affects this will have on my credit score. [link] [comments]  |
| Posted: 05 Dec 2017 06:24 AM PST Hello PersonalFinance and Reddit, I lurked this site for many years, I now finally decide to reach out to the community. English isn't my native so please bear with me. I'm a recent Master's grad from a UK university, I come from south east Asia. I have a sister (6 years older) who's the breadwinner now working as a consultant. Both my parents are retired in their 60s. Now that I graduated, I am looking for a job back home. Very recently, I learned from family meeting that my parents loaned close to half a million from close friends to support the family. My sister and I were able to attend American universities because of their commitment to our higher education. While my sister and I fully appreciate our parents' effort, I cannot digest even the thought of this gigantous sum of debt just few months after graduation. Never was I told about the debt, maybe it's was a "welcome to the real world" moment for me. I don't know how to feel right now. Can I call myself a middle class if my parents loaned their way to retirement? How is it ever possible for my retired parents to pay off the sum. For me, why even consider raising a family when the cost is innumerable debt? Looking back now, my parents never once told me we don't have enough. I always had food on the plate and received great care from them. I do not spend my money lavishly, and I'm thankful I didn't. My Master's was paid for 100% by scholarship, but I now have a 70k debt with 1k monthly payment because my parents used the 70k to settle some necessary expenses. So PersonalFinance, I come from an Asian family, but I'm sure family debt is a universal concern. How will you advise me to approach this? What mind set should I carry moving forward? What is your story? I would love to have a conversation with you all. Best. Update1: I'm back. The half a mil is in MYR, which is about USD123,000. Thank you dequeued. Thank you all, there are many insightful comments, I'll go through it and compile a word document to discuss with my sister later. [link] [comments]  |
| Posted: 05 Dec 2017 05:51 PM PST Recently started getting paid as an independent contractor, or at least I'm pretty sure that's what it's called, and I need to know how to file taxes with the 1099 form. I have worked a regular job that uses a W2 and withdraws taxes automaitcally, but I am just unsure as to how to calculate the amount of taxes I should set aside. I have already set up a second savings account and started to put about 15-20% into that. [link] [comments]  |
| Posted: 05 Dec 2017 01:27 AM PST I wanted to see how I would live if I didn't have a roommate. I pay all bills and my roommate venmos me his half each month. I've just let it sit there and just recently looked into it and realized I have nearly $5k in my Venmo account. For a little I thought it was a good emergency fund, but it doesn't give me anything back. Is a standard savings account good or should I do more with it? [link] [comments]  |
| Posted: 05 Dec 2017 05:44 PM PST I just became homeless half an hour ago. Parents kicked me out. All of the homeless shelters in my are are closed for the night and I have no friends to turn to. I haven't the slightest idea what to do. I have my social security card and clothes. No money. [link] [comments]  |
| Posted: 05 Dec 2017 02:49 PM PST To start off, I'm a Junior Engineering Student working part-time (20hours/week; $8.50/hr) in a Construction/Planning department as a draftsman (I see this as a must since I need the experience for my future-career/resume) and I work as a private math tutor, max being up to Calculus 2, where I work for dirt cheap (more or less $4-5/hr) for other college students that are also as poor, presumably. I pay $12/2weeks for groceries (36 eggs, rice, oatmeal). My work is a 25-minute drive (same distance as my Uni), so there's no way on saving gas, so my gas is roughly $30/2weeks. My car payment is $120/month, has to be that amount so I can be on time paying it off to avoid interest. I also owe $800 in credit, which I should pay off by January or even by the end of this month actually. I live in my parent's old house that's paid off (it's class B housing) by myself. They still help on the internet and electricity, but I'm left with the $50 monthly water bill. I'm not attending school this semester due to my FAFSA coming in late, so I couldn't apply for a loan, fair enough. So the plan was to get an internship in any engineering field I can find and pay off some credit for this semester. I try to register now that my fafsa got submitted, DING got a hold. Talk to the people there, and more talk. Get led to someone else. Who then tells me: "You have 2 loans. One from a different source and one directly from us. Your loans total to 10k. If you want to be able to register this upcoming semester, you would have to pay half of both loans (essentially $5k) and then setup a payment plan with both. Why, you ask? Because it is time to collect." How do people get through this? I know I'm living as cheap as I can, but good god. I don't even have insurance on my own car since I can't afford those rates, especially being a male at my age(22). Can I do anything? Do I get another loan? I'm already on a personal loan from a bank this year since I had to buy my used car from a person. Would I be able to be accepted for another loan? The max they were even able to give me was $2k, I doubt I'd be able to get a $5k loan and then be making 3x $20/mo payments to those 3 loaners. This is terrible and I don't think I have much of a decision other than just not going to school altogether? Then lose my job because I'm no longer going to school as an engineer or anything. At that point, what's the point of my living? [link] [comments]  |
| Posted: 05 Dec 2017 07:12 PM PST So this will be fairly personal so I'm keeping it semi-anonymous. Quick back story first so you understand our situation. I'm currently a sophomore in college and trying to figure out how to get my family back on track financially. Also within the next year I'm going to be working towards using my student loans and working a part-time job to become more independent from my family, that way I can make sure I get through my academics. So a few years ago my grandfather passed away and my grandmother became fairly ill and unable to take care of herself. My mother then quit her job and moved (across the country) to take care of her. Also around this time she started spending money on some mobile games. It wasn't terrible at first, like $20/month. Anyways, her quitting her job meant about $100,000 loss in income. Needless to say bills took a hit and some shit happened? I don't know the details because my parents try and let me focus on school rather than stress over money. We are extremely broke today. The car payments apparently fell behind and we lost the vehicle, some days we go without power, food can be scarce at times. If I'm being honest, this could all be handled much much better if we just stopped being so careless with money. In terms of wasted spending there are three big things in my opinion
The last two things on that list are easily fixable and dont make up enough income to worry too much about. It's the monthly spending in games that kills us most. It's such a random number each month. $100 here, $80 there. It's unpredictable and hurts us a lot. My father and I have brought it up time and time and time and time again but she doesn't stop. I think it's a depression-coping mechanism for her. Which I understand, but it's hurting us and I don't know what to do. She has multiple avenues of paying for these things. Sometimes its through facebook, or Google Play, and other times its through paypal. She switches it up so that my father doesnt pick up on it as much. Now, I love my mother and she has worked very hard in her life to get amazing careers and provide a lot for me and my sibblings. I think she deserves to just chill and play her game but reality says otherwise. I'll be visiting her over break and I'm hoping to figure something out once and for all to solve this. I might plea with her some more, but I don't think it'll do much. Are there any ways I can maybe.. block her from making payments? Like I could put parental restrictions or block domains on her machines so she cant access them. I know it's stupid and I shouldn't limit my mother, but there are months at a time where the mortgage isn't paid and we just lost the car because those payments weren't being made. I just see no other option. Could my dad maybe call the bank and block purchases from Facebook and Google? Anyways, I'm pretty lost. I was hoping some people here might have some helpful information in regards to my situation. [link] [comments]  |
| Posted: 05 Dec 2017 10:40 AM PST My husband and I are moving an elderly family member in with us to provide him with care and companionship. He has offered to contribute the sale of his home (~170K) towards our mortgage (~310K). My Husband thinks it best to simply charge him rent over time. We are unsure how to accomplish this and what would be the best course of action for all parties. [link] [comments]  |
| 401k Disbursement Check bounced. Posted: 05 Dec 2017 12:08 PM PST I have had the absolute worst time with this company issuing the disbursement check from my 401k account. I officially left my former employer in September. In late September I opted to have my 401k payed out less withholdings. The first check never arrived. They sent a second check. It did not arrive. It turns out my former employer gave them the wrong address. They update the address and send another check. I finally received it on the 29th of November, deposited into my account on the 30th. Today, Dec. 5th, my bank returned the check and withdrew the funds from my account. I called my bank and explained the situation, they are looking into exactly why it bounced. I called the issuer, they are doing the same. My question is, which board or group do I report this to? I can't imagine it's normal to be given the run around for so long on something like this. Any thoughts or advice would be appreciated. [link] [comments]  |
| I’m 18 and don’t know what to do with my money. Advice please Posted: 05 Dec 2017 07:48 PM PST I'm an 18 year old college freshman. I live with my parents who support me very well. They're paying for my 4 year degree and I pay them $100 a month for phone and car insurance. I bought and own my own car. (pretty sweet deal). Anyway, I have $5,000 in my checking account just from working part time for the past couple years. I make about $4000 a year after all expenses (because I have so little expenses). I'm wondering how I can be productive with my money seeing how it's just sitting in the bank. [link] [comments]  |
| Posted: 05 Dec 2017 06:52 PM PST Do you think you put enough money away either in your 401k, Ira, etc ? Did the investments pan out like you thought they would? What would you do different? What is you main source of income as retired individuals or soon to be? [link] [comments]  |
| My car blew up does carmax owe me money? Posted: 05 Dec 2017 12:49 PM PST Long time lurker here sorry for grammar but i need help. At the beginning of the year i purchased a car from carmax and immediately after the first week it was giving me problems. I took it in multiple times for a couple different problems and they dismissed them and reset the codes at first. then i was driving to work and it broke down on me. It was at that time they sent me to a local dealer to get it fixed then a month or two later it caught fire in orange county while i was driving. I am not sure how to handle this and i really need a new car if anyone has any advice on how i can get back some money or anything I would really appreciate it. I am really low on money so i have been nervous to get a lawyer cuz i hear about the crazy lawyer fees people have to take care of. Thanks any advice would be awesome. [link] [comments]  |
| Posted: 05 Dec 2017 02:37 PM PST My grandmother came to visit the US and got gravely ill and now needs hospice. She does not have insurance here. She spent a night in ICU, did MRIs, and racked up quite a hospital bill, I'm sure. My parents ONLY put her name for financial responsibility. Will my parents have to pay for her medical bills at all? I'm terrified that they will have to deal with this. This is happening in Florida. [link] [comments]  |
| Somebody has hacked my EBay account... what are my next steps? Posted: 05 Dec 2017 03:32 PM PST UK here. Hi folks, First of all any advice here would be greatly appreciated. I'm writing this post for my partner as this has just happened. Apologies for any spelling or formatting errors as I'm writing this from my phone. Also a slight error in the title, it was my partners EBay which was hacked- not mine. My boyfriend got some unexpected emails from EBay confirming the purchase of a used iPhone for about £90. We were both confused as he has only used EBay twice in his life, the latest time being several months ago. His EBay account shows a number of random items being purchased from the site including a large amount of womans clothing, an apple smart watch, a sd card for a UAV type device and some other small items within the price range of £30 - £150. He checked his bank account and immediately noticed that his account is missing the money and has sent the account into his overdraft. He contacted the bank's emergency number and immediately got the account blocked, and the customer services rep confirmed that his money is safe, and he has a new card and new details on the way, so in effect the money itself is secure for now. However this is relatively new territory for both of us so unsure of how to proceed in order to prevent this from happening again. He is in the process of changing his account details for any money related website (PayPal, Amazon etc), but is there anything else we should do in this situation? For the record myself and my partner are both fairly smart when it comes to protecting our money, we never give out card details, cover debit cards when using bank machines and are fairly aware of most scams out there. Just making the point that were not idiots about this stuff usually, so I'm not sure how these details were stolen in the first place! We are currently keeping an eye on the EBay account, at the moment all the purchases from his history page have disappeared, but an email came through confirming a dispatch for the smart watch. Is there any way to find out where it is being shipped to ( and is it going to end up at our address?), or to contact the sellers to cancel the order? We would rather not let a thief benefit from this! Many thanks in advance, we are both a little spooked by this! I'm worried about some stranger knowing such personal details, and they now know our address, as well ad all of my partners contact info. Could the thief try to set up new cards in his name as well? [link] [comments]  |
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