Personal Finance 30-Day Challenge #10: Cut spending meaningfully! (October, 2018) |
- 30-Day Challenge #10: Cut spending meaningfully! (October, 2018)
- Weekday Help Thread for the week of October 01, 2018
- Roommate spends all his time at SOs apartment.
- ~6k in debt, 24k less than my post from 2years who
- Becoming Middle Class?
- If my credit card bill is $1,500 and I only pay $1,498 by the due date, will I be charged interest?
- Mother got fake mail / credit monitoring report. She called the fraud phone number, and gave away her SSN. I froze all credit unions for her. What else can I do and what can I expect to happen?
- One of my credit cards costs $9.99/mo and I never use it. Am I better off canceling it or keeping it?
- How do I prepare my budget for a new child?
- Out of Pocket Max Reached
- From 130k to 36k student loans in 2 years!
- Got a call today about a 10 year old debt... Hoping for some quick advice
- 2 cars, single mother left to pay, any options?
- Is it worth moving to the Bay Area, CA? Currently in Washington DC/Northeast. How much would I have to make to be "comfortable" in Bay Area?
- Homeowners: Check Your Escrow Analysis Closely
- Owe Money In Spain, Live in Canada
- Additional ways to build credit
- If you rent for $900/month and a mortgage is $1100, does it make more financial sense to rent?
- Was Notified By Bank that my information was compromised (2 months ago)
- 1st Financial bank,new fees on credit card I never use
- I want to start building my credit
- How do I save?
- When is the IRS supposed to release the new contribution limits for the 401k and IRA?
- Injured in a tipped position, running out of money since I can’t work
- Middle aged and considering starting over from scratch
- Newly Engaged: Preparing Well for Marriage
| 30-Day Challenge #10: Cut spending meaningfully! (October, 2018) Posted: 01 Oct 2018 06:10 AM PDT 30-day challengesWe are pleased to continue our 30-day challenge series. Past challenges can be found here. This month's 30-day challenge is to Cut spending meaningfully! What does "meaningfully" mean? You get to decide that for yourself, but it should be a bit of a challenge. Set a goal that is neither too easy nor too difficult and track your progress. This month's challenge is about making intelligent spending choices so you can better allocate your money and reach your financial goals. Here are some tips to get you started:
Challenge success criteriaYou've successfully completed this challenge once you've done each of the following things:
Good luck! [link] [comments]  |
| Weekday Help Thread for the week of October 01, 2018 Posted: 01 Oct 2018 06:10 AM PDT If you need help, please check the PF Wiki to see if your question might be answered there.While we never remove posts just because a question is answered in the wiki, this thread is a low-key place to ask any question no matter how "moronic" you think it might be. Make a top-level comment if you want to ask a question! Also, please don't downvote "moronic" questions! If you have not received your answer within 24 hours, you can feel free to start a discussion. A big thank you to the many PFers who take time to answer other people's questions! For past help threads, please search the Weekly Archive. [link] [comments]  |
| Roommate spends all his time at SOs apartment. Posted: 01 Oct 2018 09:12 AM PDT Moved in with two friends in February, one roommate got a SO soon after and has been spending 80% of his time at her place. Almost never see him, except randomly during the week and on weekends. He recently decided that he didn't want to pay for utilities anymore. As he is making the personal choice to spend more time at his SOs place but still wants to come and go using the water and electricity and internet I do not feel his argument is valid. I say he should have to pay them as he signed a lease and when moving in together it was agreed upon that we would split everything 3 ways. He is fully aware I do not have as much financial flexibility as he does, and have to budget more strictly. Am I wrong in this situation? anybody else have a similar experience they could share? Thanks! UPDATE: Thanks for all the feedback! The amount of time he stays with us is so variable that its near impossible to pro rate if we wanted to. Often times his SO and her dog will stay with us for extended periods of time, just not as often as him being gone. This past summer for example she and her very poorly trained dog were at the house m-friday every week for 3 months. sharing a bathroom/power etc. Never asked her to pay a dime. Also her dog left permanent damage to the house, which will most definitely result in us not getting our deposits back, and possible extra fines as we aren't allowed pets. I don't feel like hes earned any sort of mercy or leniency based on his track record. I will force a sit down and go from there. Thanks again! [link] [comments]  |
| ~6k in debt, 24k less than my post from 2years who Posted: 30 Sep 2018 11:38 PM PDT Hey reddit! Really long story short, I bought a new car in 2015, and used a bunch of credit cards on top of that. Racked up about 32k. I lost my job and My car was repo'd and I stopped paying my bills. Couple years have passed, now I'm making about 2.5k-3k a month in a new field. I've gotten my debt down to 6k total, across a few credit cards but I'm still really unsure on what to do next. Since I defaulted on my credit cards my debts were mostly sold. They send me tons of mail on offers to cut what I owe in half -this is my goal. I have been just cashing all of my paychecks and saving my tips. I plan to pay off a credit card in bulk all at once or with maybe two payments, so I can get the best deal. Example: I have one card that I owe 2K, they send me a letter willing to settle for 845$. Do I save the cash and pay it with one payment? Do I negotiate an even lower amount to pay? Do I ask to close the debt? I'm unsure of the next step and I hope you guys can help. I'll provide as much info as I can. My overhead is about $1100 per month. Edit : Wow this thread blew up!!! Thanks everyone, taking the time to respond to you all:) [link] [comments]  |
| Posted: 01 Oct 2018 11:10 AM PDT How do you develop a more middle class attitude towards budgeting? My husband and I both grew up poor. Food stamps and commodities and unemployment and free lunches at school poor. We've worked hard and now have a six figure income. However, we run into issues when we figure out our money that obviously stem from our upbringing and being taught to budget from people who can't even live paycheck-to-paycheck. I have a tendency to super-coupon and stock sale food and clearance clothing, my toddlers have clothing to last for a few years and they can hand down as an example. I've tried to cut back, but it gives me anxiety. On his end spending anything at all causes anxiety, and the more money he spends the more he will panic even if spending a little more is obviously a smarter choice. He will buy $20 shoes every year for a decade rather than spending $50 on one pair of shoes that will last the whole decade. Or make it work, we've been on the same $20 knife set for the past 15 years even though every time he touches one he complains how it doesn't work as well as his $100 knife that was a gift, but not enough to go out and get new knives or pay to sharpen the old ones. I'm pretty sure neither of these attitudes are 'normal' for middle class income, but how do we learn what's actually 'normal' for stocking and making purchases that last? [link] [comments]  |
| If my credit card bill is $1,500 and I only pay $1,498 by the due date, will I be charged interest? Posted: 01 Oct 2018 01:00 PM PDT If my credit card bill is $1,500 and I only pay $1,498 by the due date, will I still be charged interest? [link] [comments]  |
| Posted: 01 Oct 2018 03:10 PM PDT When I was at work today, my mother got a fake letter from Equifax saying they need more information to process a request for credit monitoring (she got it for free after the big credit breach). She called this number, and from what she told me, they only asked for her SSN and then told her they would handle the rest. I went to the identity theft sticky, which I have been to in the past because of other scares. I froze her credit and the big three, including Innovis and ChexSystems. I froze it in less than 8 hours after she gave her information away. I am wondering what I should be looking out for other than her credit reports, and if there is anything else I can do. Her identity isn't stolen, yet. But it is definitely in very bad hands. Any advice would be helpful. I am very stressed right now. [link] [comments]  |
| Posted: 01 Oct 2018 11:12 AM PDT I opened an Amazon Store Card about a year ago because it offers "free" financing on large Amazon purchases. I was moving into a new place at the time so it was helpful then, but I'm settled now and haven't used it for months (my other cards offer much better perks). The limit on this card is fairly low and it's fully paid off, but I understand that canceling a card can hurt your credit score. My current score is pretty good (750+) but my average age is young (2+ years) so I don't want to rock the boat unnecessarily. Is it worth cancelling this card to avoid paying the $120 yearly fee or am I better off keeping it to save my credit score? Thank you in advance! [link] [comments]  |
| How do I prepare my budget for a new child? Posted: 01 Oct 2018 02:06 PM PDT I'll be a first time father next year. I'm pretty good at budgeting and when I got married, I didn't have to make too many changes because I already had mortgages, car payments, insurance, and spent money on myself like I was spending for two (pretty much). Now there will be three. I have no idea how much a baby will cost day-to-day. Any tips? [link] [comments]  |
| Posted: 01 Oct 2018 04:44 PM PDT I have a High-Deductible plan and for various reasons I just hit my family out-of-pocket cap for the year. Therefore going forward all of my health care out of pocket costs are zero until January. I've recently filled my annual/semi-annual prescriptions and plan to again soon before the end of the year. My question is there anything else I should be considering to take advantage of this situation (zero out of pocket costs)? Any elective type things that I should look into before year end? I'm 32 years old. I realize this is kind of an odd question but feels like something I should be aware of and planning for. If I had any lingering back aches and pains and had been putting them off I would consider doing physical therapy, but I don't need it. But that type of thing. I'm not asking for any advice that is illegal and/or unethical. Thanks! [link] [comments]  |
| From 130k to 36k student loans in 2 years! Posted: 01 Oct 2018 07:52 PM PDT I wanted to post this to show others that paying off student loans can be done with sacrifice and determination. My wife and I graduated college with about 130k student loans in 2016. Our combined income was only 45k for the first year. We lived with in-laws. Once I got a full time position and my wife got a pay bump we are up to ~95k yearly income and moved into our own place.. We have been using my entire check to throw at loans while living under 30k a year for all our needs (rent,food, etc). This life style is bare bones but I know its only temporary. I want to post updates on our success and encourage others to have some faith that this can be done. Its all about attacking with a vengeance. I truly believe that financial success is 10% head knowledge and 90% will power. [link] [comments]  |
| Got a call today about a 10 year old debt... Hoping for some quick advice Posted: 01 Oct 2018 11:46 AM PDT I had a checking account in high school that got closed due to overdraft and late fees. This was US Bank in Idaho. The account was closed January of 2009. US Bank never reported me to collections, and nothing further ever happened. The total balance ended up being just over $1,000. I got a call from a collection agency today, basically saying they are after my unpaid balance. They said the statute of limitations in Idaho is 10 years. I jumped online and did some quick research. I found the SOL for CREDIT CARD debt is 5 years in Idaho, but it doesn't say anything about a checking account. Is there a difference when it comes to debt? Even if I am past the 5 year SOL, can they still report me to the credit agencies? Or is that included in the SOL? Thank you for your time Reddit! [link] [comments]  |
| 2 cars, single mother left to pay, any options? Posted: 01 Oct 2018 02:34 PM PDT Car #1: Car #2: 2015 Nissan Altima Amount Financed: $32,147 APR: 0% Principle Paid: $16,072 Monthly Payment: $446 Financed for: 72 months Miles: 80k Mother's income: Is variable as she cleans houses and Ubers in her spare time Why is the amount financed so high? Mother and Sister traded in two cars that were upside down about $10k each Sister bailed on payments on the car and moved to California about 2 years ago (scumbag of the year nominee) Both cars are in my mother's name and bills are getting tight. I started paying for the Sentra every month when my sister left but I'm unable to pay now that I'm in school. I can't get a job to keep paying off the car as I am an RA and I am not allowed to work anywhere else my first semester. Are there any options for my Mother for the cars as she's been struggling to catch up with the payments? I understand most of you will say to keep paying off the car but it's getting to the point where that will not work as my mom's a single mother and she's struggling to pay off bills as it is. The only thing I can think of is trading in one of our cars and taking whatever is leftover on that loan and transferring it to the other car and refinancing the loan for a lower monthly payment but I'm not too experienced with financing so I'm not sure if that's a possibility. Any ideas? I really appreciate you guys taking the time to read this and any suggestions are welcome. Edit: Sorry for terrible formatting, did this on mobile [link] [comments]  |
| Posted: 01 Oct 2018 07:07 AM PDT Just got a job offer in East Bay. 140k base, 20% bonus. I currently make 100k in Washington DC. I am in IT. Current rent is $1600 for a MASSIVE one bedroom (been in this unit for a while though - definitely under market rate.). I would like to buy a house soon, wherever I live. I max out all retirement. I have 100k in savings. 35, married, no kids, no family nearby. Spouse makes 80k a year, can work remotely if we move. No loans, no debt. We are fairly frugal by nature, save for 1-2 vacations a year to visit family in India. Any advice appreciated! [link] [comments]  |
| Homeowners: Check Your Escrow Analysis Closely Posted: 01 Oct 2018 05:28 PM PDT A little background: My wife and I bought our first house a little over a year ago. Our mortgage, as typically is the case, was sold a couple of times from one company to another. Our current mortgage company purchased the loan in September of last year, and so they did an escrow analysis (for those unfamiliar, escrow is the money your mortgage company adds to your payment to cover taxes and insurance) for the mortgage. At the time, they lowered our payment by ~$270 because "your initial analysis (done by the original mortgage company prior to our loan being sold) had us taking way too much money." I called the mortgage company three different times, and spoke with three different people, all of whom very confidently said the same thing about the escrow being too high. I didn't totally buy it, but it clearly was something they should know how to handle. Fast forward to yesterday: My wife went online to pay our mortgage, as we do every month, and we got a notification that our escrow analysis for 2019 was complete. We came to discover that our account was $4600+ in the negative because they weren't taking enough for escrow, so we could either pay it back, or see our payment increase by ~$750/month. My wife, understandably, starts panicking. I sit down and start looking over everything and it hits me: they calculated our taxes for a year instead of 6 months, which made it look like our property taxes are half of what they actually are. I called the mortgage company today and got an incredibly defiant "We handled this correctly; check with your town's tax authority" response. Fortunately, we're in a position where we can take that one time hit, but it's absolutely one that should never have happened had the mortgage company not improperly adjusted the escrow amount, lowering our payment in a way that it never should've been lowered. So, homeowners, be sure to keep an eye on your escrow analysis whenever you get a new one. TL;DR- Mortgage company miscalculated our taxes, causing a ~$750/month increase in my mortgage due to their inability to do basic addition. [link] [comments]  |
| Owe Money In Spain, Live in Canada Posted: 01 Oct 2018 03:28 PM PDT I was living Spain for the last year and somehow it turns out I didn't pay for the last month of internet. The contract was under my old landlords ID, but under my Spanish bank account which I set up there (this was the only way to get internet because no company would sign with someone who was not a citizen). They wanted me to send over 30euros and never got back to me about how. Now they are asking for over 150euros and have threatened to go to the local police. I am wondering what the ramifications are if they go to their local police in the small town they live in. They haven't giving me any information on how to send the money or why it is now 150euros. So I will not send money yet. I do not know the laws there or in Canada. I am worried that something bad can happen. [link] [comments]  |
| Additional ways to build credit Posted: 01 Oct 2018 07:13 PM PDT I have fairly good credit (760 ish) and I'm looking for ways to build it even higher. What are some ways I can build it other than opening new cards? I owe about $15k on my car. But other than that I have no debt. Make roughly $60k a year. Currently renting only because I haven't been able to find a house that I really want. I have owned a home before in a different state. Currently have 4 credit cards. I just don't want to keep applying for new cards every few months and keep taking more hard inquiries. Any help would be appreciated! [link] [comments]  |
| If you rent for $900/month and a mortgage is $1100, does it make more financial sense to rent? Posted: 01 Oct 2018 06:00 AM PDT Hi guys, I've been battling the issue of renting or buying for awhile. As of right now after covering necessary debts putting money into retirement funds and before I buy food, and other essentials I make about $1173 every two weeks. I have been using 450 a month for rent, 400 for fun, and 330 for my savings every two weeks. I am wondering in the area I am in, if it makes more sense to start putting my money towards a home that will see some type of return if I decide to sell it in the future. For reference I'm 23, and an engineer. I have been advised all over the place on what I should do and I currently have a girlfriend that kind of depends on me to make a decision in the coming days since our lease ends 10/29 (lol). What do you guys think? [link] [comments]  |
| Was Notified By Bank that my information was compromised (2 months ago) Posted: 01 Oct 2018 07:02 PM PDT As title states my bank notified me that my information (I.E. Name and account numbers were compromised but have assured that SSN and account passwords WEREN'T) A week after this breach my debit card had fraudulent charges (all were reimbursed) - could just be a coincidence but after receiving the letter TODAY from the bank about the breach I am thinking not. They provided a new debit card and all has been good since Should I alert credit reporting agencies with a FRAUD ALERT? They have provided AllClear ID protect for the next 24 months and I am already signed up for credit karma and have verified today there is nothing fraudulent on there. Just thought doing the fraud alert would be a good secondary protection measure - thoughts? [link] [comments]  |
| 1st Financial bank,new fees on credit card I never use Posted: 01 Oct 2018 05:26 PM PDT Hello, I seek some advice. I have a credit card from 1st Financial bank I got in 2003, that I never use (since 2005). The reason for this, they are known for being a loan shark and in general ripping people of. I did not close it to improve my credit score. In 2018, they made some changes and added an annual fee. I did not know about, they probably mailed me the info, but I just assumed it was advertisement. I came to know about this, when I just happened to open the latest mail from 1st financial bank to find $71 balance ($30 late payment and $40 one time yearly fee). I tried to log online,but I did not know the username and password, and could not use the password/username recovery. After calling the 1-800 number,I was lucky to talk to a helpful representative. She explained, they have a new fee in 2018. After a long talk, I was able to convince them to close my account and I think cancel my fees. My problem is now, I think my credit card in question is cancelled and the late fees (less certain) too. The call center lady had an accent, so I am second guessing myself. Knowing this company history of fraud and bad customer service, I think they want to trap me by believing my card is cancelled and letting it collect late fees and interest. If the credit card is cancelled, how do I verify if my balance is 0 and I am good to go. Is there a way I can ask for a email/letter confirmation,or should I write down the name and time of the person I talked to for evidence (when I call them back). Any advice is appreciated. [link] [comments]  |
| I want to start building my credit Posted: 01 Oct 2018 03:36 PM PDT Hello! I'm 22 and a senior in college (I graduate in December) and I'm very interested in starting to build my credit. I've lived in 2 different apartment complexes over the last 2 years with my parents as co-signers and I've heard making those payments help to build credit, so I think I have that going for me. But I'm extremely interested in getting a student credit card, I've looked online and have seen the best rated student credit cards to help build credit but I would much rather have your all's advice about this. I figured the student credit card would be the way to go because instead of using my personal debit card for everything I can just use the credit card for gas, food, etc. and pay it off at the end of each month to build some credit so a couple years from now I can apply for loans to purchase the big things (houses and cars) Thank you all so much! [link] [comments]  |
| Posted: 01 Oct 2018 04:21 PM PDT I'm 18 and know nothing about saving. I just graduated high school and landed a really great paying job with full benefits with a starting pay of 17.05 with quarterly bonuses. I also work a part time job on the weekends and monthly bring in around 2400. My monthly bills come up to roughly 350-400 dollars. Which should leave me around 2k a month. I don't know what to do with all this money and cant stop spending it on food and and things I really don't need. This past month alone I spent nearly 500 on food. Like wtf am I doing??? Any tips would be greatly appreciated because I don't know how to adult. Thanks! [link] [comments]  |
| When is the IRS supposed to release the new contribution limits for the 401k and IRA? Posted: 01 Oct 2018 10:23 AM PDT I keep hearing October, but no specific date. Does anyone have an idea? [link] [comments]  |
| Injured in a tipped position, running out of money since I can’t work Posted: 01 Oct 2018 06:13 PM PDT I'm a server at a BBQ restaurant that serves large portions and I started to hurt my wrist trying to run food out too fast. I reported it as an injury since I couldn't carry the large plates without pain. Doctors placed me on modified duty. Now I just roll silverware and napkins, which means no tips. And just on weekends. Workers comp doesn't pay me, since I still technically work, but they are taking care of medical bills, but the doctors have just been giving me pain meds, and I finally got to see a specialist... but, I'm out of money. I am borrowing money from family to pay bills at home but they can only do so much. I don't know how I can pay rent next month. I've thought about trying to donate plasma but the anticoagulant makes me very nauseous and if hurl, they stop the process and I go home with nothing to show for it. I'm desperate, I've already cut down my bills to just internet and utilities, but since I've been using my credit card to stay afloat, I have those bills now too. This has whole thing has taken two months and I have no savings left. And the specialist says I could be another 3 weeks. I don't know what to do. About: From California, Repetitive strain injury (de Quervain's), Hourly before tips: $13.25/hr @ ~12hr/wk. [link] [comments]  |
| Middle aged and considering starting over from scratch Posted: 01 Oct 2018 04:57 PM PDT Long post. Sorry. Background: I was a late bloomer for various reasons. I dropped out of high school and worked a variety of dead-end jobs for several years until I decided to get my shit together and go back to school. I graduated with an MA in English from a respectable state university in 2001, and worked at the same school for a few years in a very steady (albeit very low paying) job. In 2005, I was offered an opportunity to work for an established defense contractor for almost twice my salary, so I jumped at the opportunity. Everything was going well until the economy tanked in 2008, and since then it's been a scramble to stay afloat. From 2008 - 2012 I worked a series of contract positions in defense (which all ended up running out of work) and two permanent positions (where I was cut in the latest round of layoffs), until I was living off credit cards and had to close out my small retirement account from the university to stay afloat. I ended up going through bankruptcy at the end of 2012 anyway (which included my condo), and have been trying to make my way back from that. Currently, I live in a home my mother owns outright. I pay rent, pay the taxes, and maintain all the repairs to the house. The plan was for me to buy the house once my credit had rebounded enough and I was eligible to take out another mortgage, but inconsistent work has made this very difficult. Since 2012 it's been more defense consulting and one permanent position (that started layoffs after they lost their main contract). I had been trying to get out of defense for obvious reasons, and last year finally got an opportunity to work for a well-established software company that had been growing by leaps and bounds. At last I was making the salary I'd been working towards and was really looking forward to starting a career with them. Things were going awesome and they were grooming me for leadership roles. I bought a new car during this time because I'm a facking idiot (you don't need to tell me I'm stupid -- I already know that). Well . . . you can guess what happened. They announced a big merger and laid off over 300 people throughout the company, myself included. There was a very modest severance (less than one paycheck), and that was it. So right now I'm sitting on about $2500 in checking, $700 in savings (after paying $2k in property taxes), and around $20k in retirement. I'm 48. Right now I'm trying to figure out what the hell to do. Obviously I'm looking for work in my field right now, but it sort of feels like going back to an abusive boyfriend (I promise it won't happen again, bby!). Certainly I could move for a job, but given my history, I worry this would just mean I'd be unemployed in a new place. I'm also thinking I'd like to go back to school and start a totally different career path since the universe seems to be telling me to get out of this one, but not having a significant other to help offset the cost means I'd have to do something pretty drastic, like move back in with my mother. So: ~ I could stay in my house, keep renting, and stay on the plan to save for a down payment and purchase once I'm employed again. If I choose this option and work doesn't shake out quickly, I could be looking at closing another retirement account to stay afloat (the 20k is spread over two accounts; I'd be closing one of those). However, mom has agreed to sell me the house for a steal since I've been paying rent since 2012 and have made over 10k in repairs. She'd only need enough to pay off the mortgage on her current house -- about 127k, which is what she'd sell it to me for. If I choose this option it's unknown if I'd have enough money to go back to school since I'd want to pay tuition outright (I still have about 33k in existing student loans), but it's possible I could find a reasonably priced remote program and could go part time. OR ~ If we sell this house and I move in with mom, I would pay no rent (just my food and portion of the utilities), and she said she would give me the proceeds from the sale of this house, which would probably amount to around 75k given the current market. I don't know the full tax ramifications for her if we go this route -- I know she can only gift me $13,500 per year with no tax -- so we'd have to figure that out. That money would allow me to pay off my current credit card bills, which I've used for necessary home repairs (i.e. broken septic tank, collapsed carport roof, etc. -- this home was a short sale), three pet surgeries and various illnesses, occasional living expenses in between jobs, and about 15% of irresponsible spending (primarily eating out). I've been really working to get these paid down over the last year, and currently owe about 15k spread among three cards (down from 22k). I could also use the money to pay off my 30k car loan, or I could sell the car for what I can and apply that to the loan, get a beater, and pay off the remaining car balance. Regardless, with the remaining proceeds I could conceivably go back to school for something and pay for it outright, but this also means I would have absolutely nothing and would be starting from scratch. My initial thoughts are to try and stay in the house/try and keep the house, since it's affordable and having a place to live would be my retirement insurance, but I don't know if that would position me best for long-term career success. So, yeah. that was a long, blathering post. Any thoughts, suggestions, ideas, etc. would be most welcome. Feel free to ask any questions, and thanks in advance for any help you can provide. [link] [comments]  |
| Newly Engaged: Preparing Well for Marriage Posted: 01 Oct 2018 06:01 PM PDT Hello everyone, I'm newly engaged and probably 7 months out from the wedding day (wooooo). I see these months as a good opportunity to learn more about personal finance and how to set up my future wife and I well for the start of marriage. I'd like to improve skills in budgeting and gain more knowledge regarding personal finance as a whole. What recommendations or piece of advice would you give (particularly regarding budget formation, software recommendations, and areas of personal finance that would be good to read up on)? I should add that both my fiance and I are debt-free, but both of us are in the middle of transitioning back to the US from other countries and in the middle of interviews with various companies. Thanks everyone. [link] [comments]  |
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