Personal Finance Warning: AT&T applying "customer loyalty speed upgrades" without customer consent |
- Warning: AT&T applying "customer loyalty speed upgrades" without customer consent
- Happy add-$5500-to-your-IRA day!
- [California] Employers can no longer ask for your salary history during the Interview/Application process
- My employer is paying 100% for my Master's Degree that I'm not sure if I really want. Is it worth it?
- Time for the annual repost of 52 weeks challenge
- [OHIO] Grandmother died, she was the co-signer on my mortgage.
- People say they expect to need less money in retirement than when working. Why?
- I'm 19 and I want to start a retirement fund.
- Getting $150k tomorrow
- What debt feels like...
- I need to make $2000 in 6 months (with some relatively significant restrictions). What should I do?
- 26 yrs old am I doing this right?
- Just had 8 years of tax returns and bank documents stolen. How screwed am I? Next steps?
- Any people out there that prefer living in an apartment or townhouse, over being homeowners, even if its a worse investment?
- I’m a 20 y/o high school graduate interested in completing a bachelors degree program in International Business, located in The Netherlands (EU). I have no financial support from my parents, and have about $5000 in savings. Is this worth a $50,000 loan?
- Newly married couple with awful financials. I don’t even know where to start.
- Google Sheets Budget Templates
- My workplace 401k’s S&P 500 index fund had a super high expense ratio of 1.63% and I feel that’s highest robbery.
- Merchant Marine Making 75k a year. What should I do with the money?
- Is a CS Degree Worth the Investment?
- Parents 10y from Retirement. Concerned about their financial situation. How should they handle their funds?
- Debt advice. Totally lost
- $16,000 in tax debt. $2000 credit card debt. I feel like I'm drowning and I need some guidance!
- Writing too many checks to cash?
| Warning: AT&T applying "customer loyalty speed upgrades" without customer consent Posted: 01 Jan 2018 01:30 PM PST So over the holiday I received an email with an order confirmation from AT&T (my ISP, and the only one available in my area) and it had a new bill amount (about $5/month higher). I haven't ordered anything so the first thing I thought was maybe someone got a hold of my account number or personal info and changed it. I immediately logged in to check out my plan and make sure everything was in order. I had a notification that showed that AT&T had "upgraded my internet speed at no extra charge" Obviously I was annoyed by this, so I dug a little deeper to figure out why the bill had changed. I then found this alert showing that the "promotional discount" for this so-called "customer loyalty speed upgrade" would expire in a month and my bill would go up $20 more per month. I then looked at my bill and found that they had upgraded my plan to the highest speed and most expensive plan they have without my consent, under the guise of "customer loyalty", and applied a $20/month promotional rate for 1 month to make it look like my plan hadn't changed and the new bill was probably just some random $5 fee added on like most ISPs occasionally do. I immediately called and spoke to a rep named Jorge who stated that it was a mistake, that the change was applied automatically and it wasn't supposed to be applied to my account, but after telling him if it was automatic it needed to be addressed immediately because it was probably affecting other people, he confessed that AT&T was aware of it and that they had received many calls about it. I don't for one second believe this was accidental. I believe they are doing it on purpose and hoping that many people won't notice. Make sure you watch your bills, because if this happened to me it is almost certainly happening to others. I'm not sure what should be done about it (if anything) and I don't personally care at this point because the issue is resolved for me, but I do feel like AT&T should be outed for this shady behavior and that someone should be held responsible, so I wanted to post to show everyone what happened. If this is the wrong place to post, please suggest a better sub. This was just the closest thing I could think of that applied and it could be shared/crossposted from here. Edit: since there were a couple questions about my last login, the 2015 date is inaccurate. I usually log in from my phone but did it via my computer this time so I could make the post easier w/ images etc. Not sure why it's showing 2015 as my last login as I'm pretty sure I didn't even have AT&T then lol ... anyway, here's the email I received, dated 12/30/17, so this is definitely a current thing Edit 2: Since this is getting a good amount of attention, if this happens to you here's what I did: You should immediately pause your autopay if you have it so the bill doesn't get paid (note that I got this email 12/30/17, two days before the bill was due on 1/1/18, so they definitely tried to sneak it by me). Then call them and they should credit your current bill back to your normal rate, you should pay that month's bill manually, then let autopay resume. As others have noted in the comments ALWAYS WATCH YOUR BILL CLOSELY! Edit 3: Fixed some formatting stuff Edit 4: Holy moly this thread has picked up some steam! Thanks anonymous Reddit friend for popping my golden cherry! One last edit: from a PM I received...the sender wanted to remain anonymous but I thought this was great info:
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| Happy add-$5500-to-your-IRA day! Posted: 01 Jan 2018 07:05 AM PST Happy New Year everyone! Just a quick reminder you can add your 2018 IRA contribution up to $5500 (or $6500 if you're older). Of course this isn't necessarily practical for everyone, but a reminder to keep these tax-advantaged retirement savings in mind nonetheless! [link] [comments]  |
| Posted: 01 Jan 2018 02:41 PM PST Also:
Even though the state is notorious for exempting themselves and local governments from employment laws, this law specifically includes state and local governments in the list of applicable employers. [link] [comments]  |
| Posted: 01 Jan 2018 06:41 AM PST Hello! I currently have received my B.S. degree in IT and started working for a big insurance agency. I ended up getting a role as a "Business Analyst" but 90% of my job is just building reports from excel and getting data from there. I do a bit more than that as I come up with root cause analysis, building training material, present findings to management, etc but most of you know what I'm talking about. My employer has an AMAZING tuition reimbursement program. They cover 100% of the cost as long as you make an A or a B in the class. However, I can only go to certain approved universities. My supervisor recommended that I look into a program, and I found a major in Data Analytics that seemed pretty interesting. I have to admit, I really like working with numbers, and do enjoy programming in Python (self-taught). However, I don't know if it's what I REALLY what I want to do. The issue is that I'm 25 years old and there's nothing I REALLY feel passionate about for a career. I just think Data Analytics has a good job outlook and is interesting enough to at least hold my attention. So, I guess I have a couple of questions
Thank you for your time! [link] [comments]  |
| Time for the annual repost of 52 weeks challenge Posted: 01 Jan 2018 02:00 PM PST If you already have money put away and are regularly making contributions, then this post is not for you. The 52 Weeks Challenge is intended to help those with zero savings to get the ball moving, and build up the initial emergency fund. A frequent advise is to reverse the week cycle so you have more money towards the holiday season. Alternatively, throw a dart at the chart at random and contribute the closest none contributed week for randomised fun. As long as you stay persistent with the program and make all contributions, you will have enough money for a small vacation. Good luck in the 2018 edition everyone! [link] [comments]  |
| [OHIO] Grandmother died, she was the co-signer on my mortgage. Posted: 01 Jan 2018 09:03 AM PST Hello /r/PersonalFinance. I read here a lot, never have posted here. As the title states, my grandmother (mom's mom) died last week and she was the cosigner of my mortgage loan. I bought my house in 2007, so I've owned it 10.5 years. My grandma did no live with me, nor did she make any payments on my loan, strictly the co-signer. She had four kids, my mom, and three others. All that is left in the estate is cash money, as the house was sold long ago. Most of the furnishings are in my mom's garage as none of the other siblings came in to help pack up the house. Anyway, my Aunt is POA and has stated the estate cannot be closed and dispersed as my mortgage shows as a debt to the estate, since my grandma co-signed. My balance is right around $49,800 @ 6.25% and it matures 08/37. Monthly payment is $633, but I pay $650. My real estate taxes and insurance are included in that payment. I still have mortgage insurance of $21/month in that $650 payment, as I'm just under the 20% payoff amount. Also, I have a second (downpayment?) loan that was originally ~$3,000 @ 8.25% and matures 08/2027, but that balance sits at $680. That payment is only $21/month but I usually pay at least $50 and no more than $75. The only other debt I have is a credit card with a $3,100 limit and a balance of ~$1,500. I only got this card because I needed to buy a few appliances in a short amount of time, due to them crapping out. Right now I just pay the minimum of $50 but sometimes will pay $75. Just depends on my income. In 2013 I lost my job and signed up for the Save the Dream program and actually got approved. They paid my mortgage for 17 or 18 months. I don't remember exactly how much they paid as my monthly mortgage payment changes each year depending on tax valuation and if there was an escrow overage/shortage. At most they would have paid $12,000 and the program ended in Nov. or Dec. of 2014, again. I don't have the paperwork in front of me. Stipulations were that if I sold or refinanced my house, "if there is money left over" then I would have to repay the program based on their stipulations. Stipulations were as follows: Year 0-1: Repay 100% of funds granted Year 1-2: Repay 80% Year 2-3: Repay 60% Year 3-4: Repay 40% Year 4-5: Repay 20% Year 5+: Repay 0% Right now I'm in the 40% bracket I believe. My income is not ideal. My job is 100% commission, which is extremely hard to budget. In 2016, I only made ~$21,000 as I was off work for 5 months due to two heart surgeries. However, in 2017 I only made ~$26,000 and was not off work at all. I'm a 1099 that does estimates/sales for a General Contractor, so I don't necessarily work 40 hours a week. When we are slow I work way less hours, but during busy months I'll work 40-60 a week, so I guess it evens out? My credit score is right about 750 according to Credit Karma, however much salt they carry. Also, I pay all my own taxes being 1099, which I'm sure many of you would already know. I do deduct my mileage, rather than actual expenses. Although, this year I spent $2,700 in repairs/new tires. I do have almost all of my gas receipts as well. Anyway, I just waited to put all that out there to try and limit as many questions as possible about financial background, although I'm sure I'm missing something. I figure my options would be as follows: 1.) Re-finance to remove my grandmother's name from the loan. I'm assuming this would have some tax implications as well as having to repay the Save the Dream program. I know my interest rate would be lower, however I'm not so sure I could get another co-signer if I needed one. Also, I'm not sure if I could afford the payment on a 15-year refi, and I don't really want to extend my loan another 30 years. 2.) Have the estate pay off my mortgage with my mom's share and then just give my mom money every month to pay her mortgage. I am assuming this would also have tax implications. She lives strictly on her Social Security, which I believe is less than $1,500/month I think these are realistically the only two options I have and I would appreciate any information/knowledge/direction. I did post in /r/legaladvice but it was suggested to post here as I guess it's mostly a finance question. [link] [comments]  |
| People say they expect to need less money in retirement than when working. Why? Posted: 01 Jan 2018 07:35 AM PST Personally, I expect to have more time to travel, and to work on my hobbies. So, I think my expenses might actually go up. Why does everyone expect to spend less? [link] [comments]  |
| I'm 19 and I want to start a retirement fund. Posted: 01 Jan 2018 07:11 PM PST Right now I'm working part-time, so I don't have a ton of income (I can put maybe $100 per month towards savings right now) - what account should I choose? My options are: Traditional investment account Roth IRA account Traditional IRA account I don't currently have any retirement savings, so I can't roll over a 401K. What is an IRA and how is it better than just buying index funds? [link] [comments]  |
| Posted: 01 Jan 2018 09:35 AM PST My husband and I are receiving $150k soon. My SIL is buying us out of their late mother's home and is closing on her refi tomorrow. We will somehow get the $150k from her. We have no idea what to do with this money, especially in the short term while we figure out how to best use it. Has anyone been in a similar situation and can offer some advice? Thanks and Happy New Year! [link] [comments]  |
| Posted: 01 Jan 2018 06:30 PM PST I'm sure there are all kinds of analogies out there but I wanted to offer those who have never really endured crippling debt a perspective on what it's like. As one who is working to escape such debt, I was thinking today of an often overlooked aspect of it: it is physically exhausting. The best way I can relate the experience is this: take some rope, a few free weights and a buddy to a pool with a significant deep end. Tie those weights all over yourself. Go nuts. Have fun. Make up new knots. Maybe even let your buddy help because hey, that's what friends are for. Next, jump in. You're going to sink. You're going to struggle. But you're going to try and untangle yourself from those weights. Have people yell at you from outside the pool. "Start with the little weights!" "No, work on the largest weight first!" "You tied those weights to yourself, dumbass. Drown!" When you get rid of one weight, have your buddy jump in and tie two more to your ankle. Imagine how exhausting this would be. If you can't imagine, go do it and you'll start to have an understanding of how debt can feel. Once you're in the water, once you're drowning, why your there doesn't really matter anymore. You just want out. But as in situations like drowning, panic causes us to further our mistakes. Is there a way to beat it? There must be, but sometimes advice is just noise from the sideline that is difficult to comprehend as we're struggling to stay afloat. But hang in there. Stay calm. Keep untying. [link] [comments]  |
| I need to make $2000 in 6 months (with some relatively significant restrictions). What should I do? Posted: 01 Jan 2018 02:17 PM PST For reasons that I'd prefer not to discuss, I need to make $2000 in 6 months. The easy solution would be to get a job, but there are a few factors at play that make doing so quite difficult, if not impossible. My parents are likely to take any money that I earn out of my bank account, and I don't have the means or support system to become an independent (I just turned 17 years old). In addition to prohibiting me from getting a job, they have disallowed me from learning how to drive. That said, the car issue isn't too dire because we only have only have one car that I could use, and I doubt that my parents would let me drive the only available car even if I did have a permit. Here's part of my plan. Forgive me if I'm vague with a few details; I wish not to reveal my identity: Completing online surveys. If I spend 2 hours each day completing surveys, I will make about $3.50 a day, which comes out to $600 in 6 months. Refereeing at tournaments. I've signed up to become a licensed referee in a sport I play, and I should be able to referee at tournaments by the end of January. I may be able to count on a few friends to drive me to a tournament every other weekend to referee; my estimation is that I will be able to referee 10 tournaments by the end of 6 months. Despite being niche, the national organization that oversees such events recommends $30 for a full-day tournament. This comes out to an optimistic estimate of $300 in 6 months. I want my use of transportation by friends to be limited. Bitcoin savings. I put $50 into Bitcoin a long time ago, and it's worth $175 now. Bitcoin transaction fees are high right now, so I think I could get $150 if I liquidate my holdings. These plans are likely to be realized, so that's $1050 out of $2000. Now I need $950. Here are some ideas I had: If I were very very persuasive, I could possibly get my parents to allow me to work a full day on one day of the week for 6 months (is there any job where such a schedule structure can exist?). $7.25/hr at 7 hours a day would mean I'd hit my target after 19 weeks. That sounds grueling, but it'd be worth it. But to be honest, there's the high probability of them taking my money, so this won't work. I could go door-to-door asking people to do jobs for them, but I'm a black male in a close-knit Indian community. Considering that people on my own street give me looks and ask me if I'm lost, I doubt they'd want to hire me to do anything within three yards of their homes. So this doesn't seem promising. I could do a math homework completion service where students can send me their math worksheets/problem sets and get answers at cheap prices. However, I don't know where to advertise for such a thing. I posted to Craigslist (which I didn't like to begin with, since it's limited by location), but it got flagged and taken down. Since my prices would be cheap, I'd need high customer volume and/or frequency. But without a good platform, I don't know how I can get either of these (that is, volume and frequency). The idea seems promising to me, but I don't know how to properly advertise it. What else can I do? Please be reasonable. Questions you might have:Are you in mortal danger? No, and I'm not in a medical/legal/gambling/etc rut either. You could probably report your parents for something like this. This is not an option. Could you persuade them to be less anal? I've tried and concluded that this will not be possible. Things I can't do:Craigslist. Overrun with scams, assuming there are even any gigs in your area. Rev.com. The marketing is good, but the reviews are terrible. It seems to be a lot of work, and even then you can get turned away without warning. I've read threads mentioning how people with Bachelors degrees in English get regularly turned down. Pet walking/sitting. I'm allergic to cats and dogs. But if you could hook me up with someone who needs their goldfish taken care of, I'd be willing to do that. Flipping clothes. When you start flipping, you typically start at a loss. I don't want to lose money from the get-go and then find out that I'm not good at flipping. Additionally, thrift shops have mostly figured out how to do this themselves. Goodwill has an e-commerce department that deals in high end collectibles, so the good items are probably poached before you enter the store. Tutoring. It's not really that I'm opposed to tutoring. It's more that I'm not sure I'm a good teacher, and I know I will feel bad if a struggling student continues to pay me money to get better but doesn't improve. I'm pretty good at math up to Calculus III, but it's much easier to answer questions yourself than it is to explain to someone else how to answer them (especially when you have intuition about concepts that are hard to explain). Thanks for your time. Also, if there's a better subreddit to post this in, please let me know. [link] [comments]  |
| 26 yrs old am I doing this right? Posted: 01 Jan 2018 02:56 PM PST It hit me that I need to grow up and start planning for my future. I currently make 3k monthly and about 2.3k after taxes. I live with my family and they don't charge me rent, utilities or anything. I'm fortunate to not have any expenses so Im trying to take advantage of this situation as long as I can. This is what I have budgeted so far. $2300*.20 = $460 towards 401k $5500/12 = $487 towards Roth, I know wiki says 15% gross income but I want to max it out. $800 towards savings $200 towards emergency fund Leaves me about $350 left for groceries and whatever expenses I need. [link] [comments]  |
| Just had 8 years of tax returns and bank documents stolen. How screwed am I? Next steps? Posted: 01 Jan 2018 08:21 AM PST Our house was broken in to and my filing cabinet was stolen — which conveniently held my tax returns from 2009, banking documents, checks, and my safe deposit box key. So far I have:
I still need to:
For anyone else that's had this sort of thing happen to them: Did I miss anything? Any pro-tips? What's changed for you in the years after you had such sensitive documents taken? Edit: Formatting [link] [comments]  |
| Posted: 01 Jan 2018 11:14 AM PST I'm 23 and have no kids and plan on getting my own place soon, now that I have a decent job. I don't want many, if any kids and wonder if apartments are as bad as people make them out to be. EDIT: I really appreciate all the replies. Happy new year and here's to another great year of this fucking awesome sub [link] [comments]  |
| Posted: 01 Jan 2018 03:46 PM PST I graduated from high school in 2015, and decided to take 2 gap years to travel and work abroad. I discovered several educational programs such as Hochschule in Germany, and English taught bachelors degrees in The Netherlands (University if Applied Sciences). I recently received a response from one bachelors degree program from the Netherlands, stating I would be eligible to study starting September of 2018. My dream is to study, and eventually work/live in Europe, preferably Germany or The Netherlands (I am a US citizen) This program is not exactly University, it is a Hogeschool degree program. This is an alternative form of post-secondary education where students can obtain highly recognized degrees, and use that as a step towards University. I would be able to complete a pre-master with a bachelors degree in International Business within 4 years. This program includes a year long internship in another country of my choosing. With my bachelors degree, I would further my education by completing a Masters (I'm aiming towards finance) in University in either The Netherlands or Germany. The cost of tuition for non-EU citizens is 7400 euros per year, not including rent. Rent costs roughly 300 to 600 euros per month. I obviously do not have enough money to complete all costs, so I would have to take out a loan, at least $50,000. I need some advice as to tell if this would be a worthy investment. I have no financial support from my parents, and I am not sure how this situation would work and how I would go about it. Thank you [link] [comments]  |
| Newly married couple with awful financials. I don’t even know where to start. Posted: 01 Jan 2018 02:23 PM PST Hey all, I'm going through the wiki and I'm overwhelmed. I feel like I'm drowning in debts and expenses. My husband and I have agreed that we need to work together to get much better at budgeting, saving, and financial planning but neither of us are great at it. Things may be slightly better than I really expect since I'm currently detoxing off of one antidepressant to get on another. I feel like I can't hardly prioritize first steps/focuses though. Here's the relevant info about us:
We moved from [high cost east coast city] to my hometown (Denver) in July. Since my husband needs insurance for the bipolar disorder, he started working a retail job that is supposed to provide benefits not long after we moved so that he had some sort of money coming in. Not long after he started that job, he was offered a job teaching ESL. He started that job and ran out of medication and basically had a breakdown in his classroom (after working ~80 hours per week for a couple of weeks) and came home crying saying that he wasn't sure if he had the temperament to be a teacher anymore. I get short term and long term burnout so I told him that he didn't have to know what he wanted to do with the rest of his life immediately, as long as he still contributed. He quit the teaching job assuming he'd be getting health insurance within two months, he won't have insurance active through work until February at the earliest. He's still working the retail job and applying for higher paying jobs, so he is likely to increase his wages relatively soon. We've since gotten married and decided that we miss the east coast and are contemplating a move to one of two less expensive cities where we could more easily visit friends and family. We can't do that without savings and we can't save money without dealing with some of our debts. Ongoing expenses:
Debts:
I think that's it. We will receive a gift this week of $1000 from his parents for our wedding and I see most of my paycheck already gone for our expenses. I can't go without health insurance given my mental health and knee situation - I have three doctors per week calling to check in and make sure that I know what to do if my depression is overwhelming. I don't know how to start or catch up and I feel like I make enough that this shouldn't be so hard. I'm going to get us set up with mint or something similar. Any other suggestions on where to start? Also, relevant info, my credit is shot but his is above average, in case it matters. [link] [comments]  |
| Google Sheets Budget Templates Posted: 01 Jan 2018 06:37 PM PST Just discovered that Google has free templates for either a monthly budget or annual budget. If you go to the sheets homepage you'll see them at the top in the create a new spreadsheet section. Looks like a solid format similar to YNAB. [link] [comments]  |
| Posted: 01 Jan 2018 09:30 AM PST I've already said something to the owner who spoke to our TPA and they said they can now get us a better rate because the account has more money in if. I guess we are moving to another company to save 50 basis points. However I still think that's way to high. What can I do ... just shut up and keep contributing to get the 3.5% match or remove myself from plan and just contribute to my Roth IRA... any advice would be greatly appreciated. [link] [comments]  |
| Merchant Marine Making 75k a year. What should I do with the money? Posted: 01 Jan 2018 03:51 PM PST Most of my time is spent on a ship. Everything is paid for. My shore side bills are less than 500 hundred a month. I want to start putting money into a 401k as well as a IRA max contributions on both. Is there something else I should be looking at or thinking about. If anyone has any advise it would be greatly appreciated. [link] [comments]  |
| Is a CS Degree Worth the Investment? Posted: 01 Jan 2018 11:59 AM PST I'm 21 and currently a software developer working remotely (for a foreign company) in NY with almost 3 years experience on my belt. I've never been to college and I'm contemplating getting a bachelor's degree in computer science in hopes of getting a higher paying job but I'm worried about the student debt that may follow. I don't know about the possibility of working and studying CS and imagine that I'll probably be doing the degree full time. On the other hand I can try to get a job based in NY and work my way up from there. I currently have no major expenses so it's all about taking the route that's more beneficial in the long run. Which route do you recommend and why? [link] [comments]  |
| Posted: 01 Jan 2018 11:28 AM PST My parents' retirement fund has long been managed by an extended family member who works at Stifel. Certain events have made us suspicious that it is not being managed properly. Moreover, there's been sort of a rift between the family groups involved. Suffice to say, my parents have been looking at their options. They consulted me, knowing I'm interested in investing. I gave them the rundown on passive investment, and they seemed swayed. They've since done their own research and agree with its merits. Now however it seems they're more concerned with the numbers. Apparently they're right around 50k in retirement funds and even retiring 10 years from now would be a pretty late retirement, but it's what they're planning on out of necessity. They're rightly concerned about the reliability of passive investing in that short a term, and I find myself unfamiliar with the proper advice for a situation like this. I suppose it's clear that it's a bit late for proper investment. What they want right now is a good place to put their money where it will grow at least a little bit, but more importantly is very unlikely to shrink. A mix of stocks and bonds heavily weighted towards the bonds side is my instinctive response, but the more complex the strategy the less comfortable they are with implementing it without a professional advisor. They're asking what to look for in a financial advisor. I'll refer to the sidebar links on that one. I'm also considering printing out the flowchart for them, as it seems vital. Any other suggestions or strategies you guys can recommend for folks with not much saved up and only a decade until retirement? I'd appreciate it. [link] [comments]  |
| Posted: 01 Jan 2018 05:02 PM PST I apologize in advance for formatting im on mobile. So about 2 years ago i destroyed my finances due to drug abuse. Im doing very well now but have absolutely no idea how to begin fixing myself financially. I had a truck repoed that i owe $10'000 on and a personal loan of about $1000 through the same bank. I have about $2,000 in hospital debt due to an emergency room trip. I owe about $10,000 in student loans that i havent paid on in years. I also had a home depot credit card with a balance of about $600. I also had a wells fargo account closed i overdrew by about $400. I also owe $10'000 in taxes due to working 10-99 and i havent filed in 3 years. Im pretty sure that this is every one of my current debts. I havent paid on any of these things in over 2 years and ive avoided any and all calls from collections for the same amount of time. I'm unable to open a bank account due to my unpaid debt with my old bank. Im about to be making 700-900 a week working construction and a serving job i just started. This will be the first time in several years my income will be much greater than my living expenses. My living expenses total about 800 a month. My first goal has to be to buy a car so i can continue to work. I was planning on buying something used for about 3000 dollars cash upfront. How do i go about fixing these debts when i have no idea who owns most of them? [link] [comments]  |
| $16,000 in tax debt. $2000 credit card debt. I feel like I'm drowning and I need some guidance! Posted: 01 Jan 2018 02:13 PM PST I'm so tired of constantly feeling anxious and scared. In never seem to be caught up. I made some awful decisions when I was younger and now I'm paying for them. I've been on a payment plan with theIRS for a few years, but I'll never get caught up at the rate I'm going. I make $46,500 a year. I'm not sure what I can do, but I know I can't go another year like this. I feel helpless. I have a daughter to take care of and $350/month child support, $1000/ month for rent, $200/month for the IRS , $350 car payment, then all my bills. I have no savings or emergency fund. I feel like the stress is affecting me health and my relationship. I'm not exactly sure what I'm asking for right now, I just don't know where to start. [link] [comments]  |
| Writing too many checks to cash? Posted: 01 Jan 2018 05:53 PM PST I was told that your bank (I have Chase) might drop you if you write too many checks to cash. My landlord is retired and prefers either cash or a check to cash for monthly rent. So far so good, it has been 4 months, but I heard writing too many checks like this could be an issue. Is this possible? Is there a better alternative to writing a check to cash? [link] [comments]  |
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