Personal Finance Follow up to "Husband lost job. Where to cut first?" - 3 months later |
- Follow up to "Husband lost job. Where to cut first?" - 3 months later
- BoA Double Drafted Me $2000, Causing Over draft Penalties, then Denied Responsibility.
- Xfinity (Comcast) called 2 weeks ago saying we were late on our bill, for a property in Palm beach Fl that's not ours.
- Today was shocking, found out today how in debt me and my wife actually are and it hurts.. im trying to develop the smartest possible option for us, please take a look.
- Delaying job offers during interviews with other companies
- Chase shutdown my checking account
- Is there a point in investing in bonds at all in your 20s?
- Discussion topic - my rational for choosing a Roth over regular 401k
- I accepted a job offer, signed the paperwork, and gave my two weeks notice. Three days later, they rescinded the offer. Am I screwed?
- How do I find a financial planner before my wedding next year?
- New employer paid me twice for one pay period, come to find out, other employees are getting paid twice as well
- Job Went Silent, Now the listing Is Back?
- Ex claiming our child on taxes each year with joint custody
- Not making minimum wage as a busser. I’m pretty sure my employer is suppose to make up the difference. How do I go about reporting and tracking this?
- Concerned about the house we bought and our overspending. First time finance poster.
- Student Loan debt - refinancing help!
- Hey guys, looking to start a second bank account, what're the best options out there?
- Chase credit increase
- Maxed out 401(k). Any other tax-deferred accounts I can open/contribute to with an income >$200k?
- 90k in Savings - Nothing Invested - What To Do Next
- Help with Chexsystems
- paying back 60k to a friend. will this seem suspicious?
- Joining a union and need to pay $7500 initiation in two months. Advice needed!
- Need to find out the best way to get money to my sister after our parents told her to leave.
| Follow up to "Husband lost job. Where to cut first?" - 3 months later Posted: 27 Nov 2018 12:18 PM PST I posted here three months ago (Previous post) about my husband losing his job and your advice about where we should cut. You were all sort of brutal (in a useful way) and so I wanted to provide an update and ask a question. We put the student loans in forbearance while we were figuring things out ($783 per month). We realized my husband would need to stay home for a while to get healthy emotionally before going back to work, so we pulled the kids out of daycare (saving $2,370 on daycare and aftercare per month). Then we took your advice about looking into how to live below our means and made the big decision to sell our beloved home we had recently built and significantly downsized and moved to the suburbs (mortgage and escrow now $800 instead of $2,675). I'm a little sad about the home but I also feel so much less pressure it feels worth it. The question: After selling our home and putting 20% down on our new home we now have $28,000 left over. I previously thought my $5,000 emergency fund was cushy, but you all quickly corrected me there. How much of this $28,000 should I set aside for a real emergency fund and how much should I throw at debts? All my debts are as follows: His student loan: balance $57k at 6.8% My student loan: balance $34k at 6.6% Mortgage: balance $130k at 4.68% Auto loan: balance $17k at 2.49% [link] [comments]  |
| BoA Double Drafted Me $2000, Causing Over draft Penalties, then Denied Responsibility. Posted: 27 Nov 2018 08:47 AM PST The worst banking experience I have ever had. They took $2100 from my account, which caused my checking to go negative, causing overdraft fees. I was paying a car loan off in full. I submitted a payment of $2157.58 which they took out. Then they charged me a $2100. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold. Then said they would cut me a check for the $2100 a MONTH later. The extra $2100 they took out caused penalties, bad checks and embarrassment. These fees resulted in $150. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. [link] [comments]  |
| Posted: 27 Nov 2018 02:00 PM PST So we had an issue a few months ago at our previous address where we would get more than one bill, one of which was for an address for Palm Beach Fl, where we've never lived (we live way north of there). We called comcast twice about it and explained that we've never lived in Palm Beach and that we absolutely should not have our name on any account there. And as the title says, 2 weeks ago we got a call on a friday morning saying we were late for paying our bill and that the amount was 100 or so dollars. I told the guy we paid a couple days ago and it was not even remotely that expensive. He says that's not what he's seeing on his end. At this point I'm livid because clearly the two previous morons didn't fix the account issue and I'm being accused of being late on a bill, and I've never missed a payment on anything in my life. I tell him in no uncertain terms that I have never been to Palm Beach, never lived there, and abso-fucking-lutely should not have my name on an account there. He said something along the lines of ok sorry for the problem and that he'll mark it down or fix it or some such crap and the call ended. So obviously Its safe to assume nobody at comcast customer support is competent enough to figure this shit out and that I need to somehow make absolutely certain that my name gets removed from this account. Rather than talking to someone in customer support who will most likely not know what to do much like the others, is there another extension or line I can call? Given the issues we've had twice where the person said they'd fix the issue and it clearly wasn't fixed, I'm assuming this guy didn't either and will call them to make sure. I want to talk to somebody who can figure out why my name is on this account and know how to close it for good. I'm extremely worried that this shit could hurt my credit or that comcast might try to keep racking up late fees and fines on this unpaid account and send it to collections or something. I don't know how this crap works and its driving me crazy. [link] [comments]  |
| Posted: 27 Nov 2018 01:35 PM PST The formatting on this will be awful, I'm sorry I'm on mobile at work. To put it bluntly, my wife has a CC problem. And I found out how bad it is today. 10k maxed out one card, 5k maxed the other card. The 10k is @ 26% apr the 5k is @ 14% I immediately took out a personal line of credit of 10k with an interest rate that's not great but it's also less than half of what my wife's credit card interest rate is. 12.5% interest. I also cancelled Netflix and Hulu, and the gym membership I haven't used in 2 years. Together after taxes we bring home ~ 4500 a month. Mortgage : 900 Both vehicles : 700 Daycare : 600 Grocery : 300 (is this normal for 2 adult 1 toddler?) Insurance : 110 Phone : 90 Internet : 80 Gas : 80 Water : 70 Electric : 60 Trash : 20 Total here is ~ 3000 give and take depending on the month and utilities used but this is a good guesstimate. This is leaving us 1500 left over assuming I have forgotten nothing which I am 100% sure I have. My plan is to just take her highest CC which is currently maxed out @ 10k and put it all on my line of credit to cut that crazy interest rate out, pay at least double minimum payment on it. 12.5% on a maxed out 10k loan according to my lender would be a 250 dollar minimum payment, with 1500 left over I should be able to double that monthly The other card is 14% with a 5000 dollar limit, the minimum payment i believe is around 100, once again I should be able to easily double this. Assuming I double payment for both 1500-700 = 800 What would a smart man do with that extra money? Pay off the bigger sum or apply it to the other? Or is this plan total garbage and if it is I'll do whatever you guys here think the smarter option is. Thanks a lot. Please help. [link] [comments]  |
| Delaying job offers during interviews with other companies Posted: 27 Nov 2018 07:04 AM PST I have recently interviewed with 4 companies in the past couple of weeks, all with companies I am very interested in working with. However, due to location differences, some have priority over others. I was recently offered a position for my lowest priority job (still super pumped, though) but I'm waiting to hear back from the others even if just for a second interview. I'm not sure how to go about and ask for some time to officially accept the offer while I wait to hear from the othera. This job is offering ~$13k more than my current position but I'm not sure what the others offer. Due to student loan debt (recent graduate, already used my grace period post-undergrad), I really can't risk not having a higher paying job, as my current position doesn't meet my financial needs, even with IBR. I feel like I'm stuck in a pickle. To complicate things even more, I accrued enough overtime that I'll be away next week with limited access to email. Any advice is greatly appreciated. [link] [comments]  |
| Chase shutdown my checking account Posted: 27 Nov 2018 03:15 PM PST Hi, I recently received a letter from Chase stating that they are ending their relationship with me and are closing my checking account. I don't understand why this even happened since I only use it to deposit my financial aid each semester and pay rent/living costs regularly. After calling Chase, they wouldn't tell me why and stated that their decision is final. I really don't want to switch banks since their branches located everywhere I go and I have all my money in that checking account. Is there anyway I can keep my checking account or maybe let it close and re-open a new one? If not, what other banks should I try out? I noticed some banks (like BoA) offer free student checking but I'm not sure if I can keep that no-monthly-fee perk when I graduate. I am a 4th year undergraduate student and planning to enter medical school next year. Thanks for any help! [link] [comments]  |
| Is there a point in investing in bonds at all in your 20s? Posted: 27 Nov 2018 01:15 PM PST Hey PF, With the end of the year coming around, I (25yo) am evaluating my portfolio, allocation etc. Up to this point, my entire portfolio (about $100k) has been invested in SP500 index funds. Some summary research in places like bogleheads would have me believe that I have a poor asset allocation and that I should be at least 15% or so in bonds. If I'm investing for a long time horizon, what's the point of investing in bonds? The returns are trash and my long time horizon generally affords me more risk, does it not? [link] [comments]  |
| Discussion topic - my rational for choosing a Roth over regular 401k Posted: 27 Nov 2018 06:44 PM PST I have some reasons that I think are good reasons to choose a Roth over a regular 401, at least in my specific example. I'm interested to see what others think of my rationale. My situation - I have a decent paying job with a pension that will pay out around $70k or more when I retire around age 60. My wife also has a pension, but will only be about $15k by then. We also have quite a bit of money in regular 401ks that will be taxable when we withdraw it. 1) Due to the ever growing federal debt, I believe tax rates will be higher in the future. Since our pensions will cover the "standard" deductions, our tax bracket will likely be equal to, or higher than they are now. Paying tax now is better than paying tax later. 2) Social Security is expected to only bring in 75% of necessary payouts in the near future. Since no one seems interested in stabilizing it, I imagine the gov't will implement some sort of "means testing", whereby those with high income will receive less in benefits. This already happens by making SS taxable, but I think this will become even more prominent. Having pensions already puts us into a fairly high income bracket, and if we are withdrawing taxable 401k money, this will just make the problem worse. Having less taxable income may help prevent our SS from being reduced. 3) I live in a state with no income tax. If I put money in pretax now and we move to a state that has income tax, then I'll have to pay state tax on my withdrawals. Any thoughts or feedback is welcome. Thanks! [link] [comments]  |
| Posted: 27 Nov 2018 07:42 PM PST I have been working in a Level 1 IT position for almost a year and honestly everything was great from a benefits & work/life balance perspective, but the salary was just way too low, given where I wanted to be. On top of that, the work was way too "easy" and I often found myself with several hours left in the day with nothing to do, nearly every day, for the past 6 months. I have been job hunting for about 3 months in hopes of getting a better paying position. I was making $35k but received an offer of $50k from another company. I honestly wasn't sure how much I valued the benefits I received from my existing employer (working from home flexibility, free food, fitness center, hassle free time off), but a 40% increase in salary was definitely worth the jump, in my eyes. And I figure it would open the doors for further growth and opportunity down the road. I immediately accepted the offer and told them when I could start, which was after giving my existing employer 2 weeks notice. I signed the employment paperwork and then gave my 2 weeks notice the next day. Fast forward 3 days and they rescinded the offer, telling me they decided to go with someone who was immediately available, which made no sense to me. I told them what if I could start immediately and they said they decided to move on. And now I don't know what to do. Do I tell my existing employer? Can I even take back my notice? Wouldn't that look bad? I am freaking out now because I fear I am going to be jobless and my emergency fund is only $3000 (it got depleted a couple months ago) and my monthly expenses is around $1300. Job hunting was so stressful even with a job and in 3 months I only got 5 interviews and I don't know how I'm gonna manage now with NO job. [link] [comments]  |
| How do I find a financial planner before my wedding next year? Posted: 27 Nov 2018 01:42 PM PST My fiancee has requested that I find us a financial planner to sit down with before we get married next June. We've discussed our finances before -- she makes good money, I work in nonprofit; she has good savings and investments, I don't; her student debt is almost paid off, mine required us to sit down and make a plan to eliminate it over the next few years with some bending over backwards for the loan providers -- she's OK with all of that. Accumulating a ton of student loan debt is the albatross around my neck but beyond that I'm debt free and live generally within my means, though I could stand to develop an investment strategy. This is what the financial planner is needed for! Problem is I don't know how to find one or what to look for. How much do they generally cost? How much time are you supposed to spend with them? We live in Boston if that's relevant. Any guidance is hugely appreciated because I'm flying blind here. Thanks! [link] [comments]  |
| Posted: 27 Nov 2018 06:58 PM PST I recently started a new job at a small company with 3-5 employees at any given time. We're paid bi-weekly from a third party payroll company and when I received my first direct deposit, I noticed I received two separate deposits. Generally, I'd like to consider myself a high integrity person, but this situation has become slightly messy. I went into work and mentioned it to my Bosses assistant/bookkeeper and let her know that I was going to bring it up to my Boss as I just started this job, I'd like to keep it. I immediately saw her facial expression change and she pulled out me out the office to speak to me. Note, she's only been with this company for a couple months herself. Apparently, every paycheck she's received since she's been here has been double what it should be; and not just her, other employees are receiving twice the amount as well. As she'd like to protect herself, and the other employees from an audit, she demanded I not say anything to my employer for fear of her and everyone else losing their job. She believes that eventually the payroll company will catch it and not say anything to my employer in fear of being sued for a mistake that will likely cost them THOUSANDS of dollars in the long run. Obviously, I don't want to sweep it under the rug and not say anything but now I'm in a situation where I could literally get the whole office fired. What a mess... needless to say this is the biggest mistake I've ever seen a payroll company make. [link] [comments]  |
| Job Went Silent, Now the listing Is Back? Posted: 27 Nov 2018 08:04 AM PST Late last month I applied for a clerk position (felony) at my local courthouse. To my surprise, everything went great. My 80 words per minute test result was praised as were my interview skills. I was complimented for wearing a suit (as recommended by you guys) and the employee director even recognized one of my references as they're good friends. Then nothing for awhile. Two weeks go by, and I receive a call from said director asking if I'm still interested in work as the felony position isn't open any longer, but foreclosure is. First dibs is mine if I want it, but they'll go through applications again. I say yes and ask if I need to do anything, to which she says no. I also ask for feedback on my two interviews. She says I was a little too honest but otherwise did fantastic. She goes on to explain that an ex-employee applied asking for their job back so they went with them. So I'm job searching this morning, another two weeks later (1 month total since interviewing), and I see the old felony job is back up. I'm assuming something went wrong or some such. My question, is it worth giving the employee director a call? I can't apply for the position again as it says I've already applied, so I'm hesitant. What do you guys think? I'd hate to let it slip by as it's a great opportunity, but I also don't want to be a desperate weirdo. Thanks! [link] [comments]  |
| Ex claiming our child on taxes each year with joint custody Posted: 27 Nov 2018 02:32 PM PST My ex and I have a joint legal and physical custody agreement with no stipulation on who claims our son on taxes, which was stupid looking back on it. She has claimed him for three straight years and each year she has promised to give me some or all of the money she received from claiming him but failed to deliver on the promise. The custody agreement states that we are supposed to alternate weeks with him but he lives with me 80-90% of the year. I usually file single with no dependents and zero allowances on my paycheck throughout the year but earlier this year I filed as head of household, since my son lived with me over half the year, and I have been claiming one allowance on my paycheck during this year. My ex texted me last night saying she will be claiming our son and her other two sons this year and get back over $9k and give me $1500. Last year she took out a loan against her refund to pay for Christmas presents and failed to tell him she did that until I was about to file my taxes and claim him. She is doing the same thing this year. I make much more than her and I'm usually not hurting for the money; however her reneging on giving me my fair share of money for claiming him is not right IMO. I know that a dependent can only be claimed once but if I claim my son as a dependent regardless of his mother's actions, what happens then? I can go back through texts and prove how many days she had him compared to how many days I had him. I realize that if we both claim him, it will hold up our returns but I am prepared to do what is necessary. [link] [comments]  |
| Posted: 27 Nov 2018 06:42 AM PST |
| Concerned about the house we bought and our overspending. First time finance poster. Posted: 27 Nov 2018 07:45 AM PST My husband and I just moved into a new house that on paper we could afford. I work full time and he's in school full time. I make 6 figures, but with a big mortgage and his school payments, we're living uncomfortably tight and often not meeting our budget requirements. To add to that, starting in January, our daughter is going to be heading to daycare, another expense that seems never ending. We've exhausted our parents kind hearts for 16 months and now need to move her into daycare. They're on the older side and she's becoming too much for them to handle. My issue is this- we have a budget that's laid out cost by cost. We've looked through it all. We've made, what I thought, was a good budget to stick to, and we just never can seem to do it. Do we move to the cash/envelope solution? Did I get to ambitious with my budgeting for each category? My housing question is: what do you do when you end up buying a house you can't afford, or can barely afford? We only moved in a few months ago. I love the place, and right now we're only living on one salary. Hopefully in 2-3 years my husband will be back in the job force and will be able to contribute. We will have student debt to pay off from his schooling though, and that'll add to our monthly payments, nulling out some of his income contribution. I haven't talked about this until now because I feel ashamed. We fell into the classic trap of living outside of our means and I feel so embarrassed. I'm reaching out to you all for help, which is incredibly appreciated. Thanks for listening and for offering any advice you may have. Edit: Here is an update on our finances on paper. Biweekly take home: $3551 (approx $7102/month) Monthly Payments: Mortgage $2,307 Utilities $681 Memberships $225 Auto Insurance $148 Debt $826 Total: $4,187 BiWeekly Budget Assignments: Total Payments: $7,387/month I can see where we're going over every month. I think because I budget generally biweekly and there are a few months where I get an extra paycheck, it doesn't come up in the negative. But clearly, we need to cut spending somewhere and we're struggling to do so. Hope this helps a bit. Edit again: Thanks everyone so much for the feedback. I know we made some financial mistakes, but the replies from you all have helped. It sounds like we can make some cuts to the budget I have here, and potentially add some part time money to help with this, which is honestly a relief. I'll make a night with my husband without the baby to really hash out our spending and see what we can cut out or cut down on. Edit x3: Thank you thank you thank you! After a short few texts with my husband, we already freed up $200/month. That was just basic items we are going to cut and we planned a "budget date night" to sit down and really comb through all of our expenses. He's also searching for a part time job while we have the baby in day care. Life will be different, but good. Less money stress, to me, always means greater happiness. Thank you for taking the time to help us. Sometimes comments feel like comments, but to us they will be life changing. I appreciate everyone being supportive and helpful, rather than harsh. Talking about finances can be difficult and you all have made this much easier. I can't say thank you enough. [link] [comments]  |
| Student Loan debt - refinancing help! Posted: 27 Nov 2018 12:51 PM PST Hey y'all, hoping to get some advice on refinancing my student loans - I just graduated last year with my BS in Sport Management. During my time in college - I racked up quite a bit of Student Loan due to a combination of things: minimal financial aid, an extra semester or 2 of college, and most importantly - being stupid & not educating myself on how student loans work & the long-term implications. As a result, I applied for several private loans through Sallie Mae (I currently have SM loans) - the interest rates of these loans are sky-high, ranging from 9%-12.5%. The repayment period of these loans vary, but they're all pretty short (7-10 years) - causing my monthly payments to be huge. Since graduating in May of 2017, I have attempted to refinance my Sallie Mae loans a number of times. In June of this year I got a job in local government/Parks & Rec which doubled my yearly income. I figured since I was now making more money and had fair credit (just under 700) with no credit card debt or anything like that, I'd have a pretty good shot. So I started trying again to refinance my loans. I was denied because of my Debt to Income ratio NOTE: I do not have a willing cosigner - so this will be all on my own. Again, for reference: I have been paying $680/month to Sallie Mae with the varying aforementioned interest rates (Total principle of app. $36k) Just today I got accepted through Advantage Education Loans. But based on the loan terms, I'll be paying significantly more over the life of the loan. I was approved for 15 year repayment @ 7.5% (fixed) interest. This would cut my monthly bill in half (from $680 down to $340). But according to my calculations - I'd be paying about $7,000 more over the life of the loan because of the increased repayment term. I've looked at the pros & cons - I don't like the thought of paying $7,000 more, but it would obviously make my monthly obligation much more manageable. I would be able to put some money into savings, and/or pay extra on my loans. I'd love some advice from people who have refinanced their loans. Any advice is greatly appreciated, thanks in advance! (sorry for the novel lol) [link] [comments]  |
| Hey guys, looking to start a second bank account, what're the best options out there? Posted: 27 Nov 2018 02:26 PM PST I'm looking to open up a second account for myself, and I'm wondering what're the best options on the market right now? I currently have Wells Fargo, and I'm fine with them but I'm looking to get a second account as well so I can have an account for 'fun' money and adulting money. What would you guys recommend would be the best bank to go with? Thanks! [link] [comments]  |
| Posted: 27 Nov 2018 07:02 PM PST I wanted to get my credit increased for my Chase card. If I called Chase and asked to increase my credit, does it take a hit on my credit? I have had my card for about a year and a half now, and it has only been increased once automatically by Chase after the first month. I have also paid my card off every month and have good credit. [link] [comments]  |
| Maxed out 401(k). Any other tax-deferred accounts I can open/contribute to with an income >$200k? Posted: 27 Nov 2018 06:33 PM PST Title says it all. I maxed out my 401(k) for the year. Are there are any other tax-deferred accounts I can open/contribute to with an income that exceeds $200k. [link] [comments]  |
| 90k in Savings - Nothing Invested - What To Do Next Posted: 27 Nov 2018 06:29 AM PST Hey All, I've worked a job making 70k a year for the past 3 years and have saved away 90k of what I've earned in that time. Come February, I will be quitting that job in order to take part in artistic residency. After the residency, I plan to travel for a few months. When I return home, I live in a major metropolitan city, I will likely get a more low key job working at a coffee shop or bookstore while I apply to grad school. Basically, I have this large sum of money and want to figure out the best way to set myself up for the future. I should probably start a Roth IRA with some it? I've also looked into some SRI Rabo-Advisors. Do people recommend Wealth Simple? Betterment? I also don't want to invest everything as I will likely be using this nest egg to supplement my income for some time. Other Info - Zero chance I stay at this job longer or return to a similar job when I come back home. It's made me incredibly unhappy and I'm steadfast in my current life trajection. - I would prefer to invest in systems that are incredibly hands off. I'm not the type of person who will be checking my account every day. I definitely don't want to be trading stocks myself. - I know people might disagree with this on this sub but I'm only willing to invest in SRIs, preferably ones that have a great amount of emphasis on helping the environment. - I live pretty frugally, I'd estimated my monthly budget is in the 1500-1800 range. I could probably scale back even more once I don't have such a large paycheck coming in. - I also have no debt! Any and all help is appreciated! [link] [comments]  |
| Posted: 27 Nov 2018 06:02 PM PST I put a freeze on my account with Chexsystems and when this freeze was placed they were suppose to send me a PIN. I never received a PIN so I called to have them resend one. They refuse to send a new PIN without me first, sending them a fax with all my personal information on it, stating that I never received a PIN. When I called, I literally had to verify all my information before they would even check to see if my account had a freeze on it. Has anyone had any experience with Chexsystems? All I want is to have a new PIN sent and I refuse to fax my personal information in. I am not asking them to send a new PIN to a new address, just resend the PIN. They've literally created one of the least secure methods of identity verification. [link] [comments]  |
| paying back 60k to a friend. will this seem suspicious? Posted: 27 Nov 2018 07:27 AM PST A very close friend of mine loaned me 60k to pay down my mortgage so that I could avoid PMI and have a lower monthly payment. We did a cashier's check from same bank. I can pay him back in 3 years at 0% interest. I am planning to pay him off within a year or two in 5k and 10k increments using personal checks. Will this trigger any kind of alerts for IRS for either of us? Should I do wire transfer or cashier's checks instead? Would it be better to just give him all in one go like he gave to me? [link] [comments]  |
| Joining a union and need to pay $7500 initiation in two months. Advice needed! Posted: 27 Nov 2018 05:16 PM PST So in order to keep working I need to join the local. The initiation is over $7k but I don't at all have close to that saved up to where I could safely pay. Credit is not so good but we own a home out of state (we're relocating so those expenses are here too) but have no idea about how that helps. Anyone with experience in this area would be amazing. [link] [comments]  |
| Need to find out the best way to get money to my sister after our parents told her to leave. Posted: 27 Nov 2018 05:14 PM PST Long story short, argument around the Thanksgiving holiday resulted in my sister leaving our parents' house. They are currently no longer supporting her financially. Luckily, she's staying with some extended family at the moment. There's a month-long wait period before she can transfer money from her bank account (established by our parents) because I managed to transfer control of it over to myself (the phone number she uses for authentication was deactivated by our parents) in case our parents decided to freeze her accounts. I'm not entirely sure if I have complete control of her account though. For the time being, I want her to have some extra money on hand (since she only has her debit card and a low checking balance), so I was thinking of getting her a prepaid Visa debit. If there are other options that are better, I am open to those as well. TL;DR: Sister no longer receiving financial support from parents, need a way to get her money since she doesn't have much in her checking account. [link] [comments]  |
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