Personal Finance 30-Day Challenge #8: Cook more often! (August, 2019) |
- 30-Day Challenge #8: Cook more often! (August, 2019)
- My credit card bank has forgiven 1300 dollars on my card without even asking
- Don't let them screw you when you go to cancel a membership
- I recently met a new mom friend who mentioned that she and her husband are being mentored by a couple who were able to retire in their 30s.
- 4 month update: 23 years old working as a line cook, a job has opened at my place of work in the same position paying more for exactly what i do, should i apply.
- Girlfriend has a $70 medical debt from 4 years ago
- What's the read on Dave Ramsey?
- Parents Overpaid on Facebook Marketplace. Scam?
- What age is a good age to start building credit?
- Made my last student loan payment, what's next?
- Equifax Refuses to Remove Collections Account That Doesn't Match My Info
- Credit Card Debt
- What’s the scam here?
- Discover Banking Web Services Down?
- Should my wife and I put a lot of money against our mortgage?
- Don't want to double enroll for a year on insurance, currently on wife's, there's a 1 month gap when hers ends and my enrollment begins. How to bridge the gap without paying for a 2x covered year?
- Ally Bank Savings Account transfers question. What qualifies as a transfer?
- Advice on where to invest
- Getting a settlement for stolen tips, how much do I set aside for taxes?
- Opening a 529 for my future (but immimant) child with anticipation of moving to a different state.
- Getting short term health insurance
- Emergency Fund in High Yield Savings
- Credit card was compromised- charges from Playstation won't stop on new cards
- Is it rude to ask how much of a bonus you are getting?
| 30-Day Challenge #8: Cook more often! (August, 2019) Posted: 01 Aug 2019 06:09 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 Cook more often! Two of the biggest budget-killers we see in this subreddit are lots of "wasted" money on eating out and spending too much on groceries. While everyone's situation is different, we want to highlight some steps to help you get started:
Challenge success criteriaYou've successfully completed this challenge once you've done one or more of the following things:
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| My credit card bank has forgiven 1300 dollars on my card without even asking Posted: 01 Aug 2019 03:59 PM PDT I was owing 1300 dollars on my credit card but today i received a bank statement showing only one transaction (i dont use this card now since the credit card is no more in service), and that transaction's description was "balance Forgiveness" with amount of 1300 dollars. has this ever happened with you guys? I never asked for credit forgiveness even. I am happy and shocked at the same time. [link] [comments]  |
| Don't let them screw you when you go to cancel a membership Posted: 01 Aug 2019 10:49 AM PDT So about a week ago I went to cancel my monthly gym membership. No big deal right? Everything went fine and I was all done canceling in about 5 minutes. Well a day later I go to check my bank statement, and those fuckers decided to charge me for not one but TWO months (no idea why), right after I had went up and canceled. I immediately called up and explained, and now they are reversing the charges. Long story short, stay vigilant when you cancel a service, and if someone charges you and they shouldn't have, call and ask for a refund. Granted it usually ends up being a small amount, but over a lifetime it could add up to be well into the thousands that I've saved by staying on top of these kinds of things. [link] [comments]  |
| Posted: 31 Jul 2019 09:16 PM PDT This new friend mentioned that she would like to "pay it forward" by inviting my husband and I into this "great opportunity". My question is, has anyone heard about this? She has been extremely vague about the whole situation. She did briefly mentioned that what they do is similar to an MLM but they aren't a MLM. Red flag. I know. She also was very adamant that she and her husband would have to meet with us several times to get to know us and to make sure we would be a good time investment for them and the "power couple." She kept saying that they are slowing achieving that lifestyle of having a cashflow and not having to worry about money and how they are able to spend more time with their kids and travel and most importantly sharing this great opportunity. I really with I could tell you guys more but that's all I know. My husband is skeptical from the get go and I don't blame him. He is currently out only source of income while I'm a stay at home mom and currently 4 months pregnant. My main concern is finding what this woman is trying to get us into and if its something bad money wise I would like to know more about it in case I run into someone like her again. UPDATE: I texted her this morning telling her that my husband and I were not interested and that our retirement plans are fine and doing well on their own and we do not need anymore investments or want anything she was offering. I asked her not to message me anymore. She hasn't even replied about her book lol so into the donation bin it goes. I did read it and the book alone is a good read but I don't have any use for it. I just want to say thank you for all the advice and for helping me uncover her scam. I hate being preyed upon but I will never jeopardize my family's financial well being especially not while were under one income. I'm still reading all of the comments coming in and looking up all the financial advice you guys are mentioning. Once again, thank you for helping me out. [link] [comments]  |
| Posted: 01 Aug 2019 11:17 AM PDT Monday i asked for a larger pay jump and had a meeting with my bosses boss, received a fairly large pay jump as i'm continuously taking on more responsibilities and plan to continue doing so moving forward. though I have started looking into eventually going back to school for accounting :). [link] [comments]  |
| Girlfriend has a $70 medical debt from 4 years ago Posted: 01 Aug 2019 09:12 AM PDT We checked our credit reports today, since a coworker of hers got her identity stolen. My girlfriend has a small medical debt, $70, because her mom said she paid a bill but didn't when she was 18. My girlfriend hasn't received any attempts to collect, this is the first she has heard of it. It is possible her mother was getting the calls and just ignored them. I'd assume we should just go ahead and pay it, this isn't a ton of money and we can certainly afford it, but the number of the debt collector on the credit report doesn't go anywhere. Also, I don't know if there is a certain way to handle this or speak to debt collectors. Any sort of "magic words" we have to say when we pay this, or any things to specifically not say? For example, acknowledging or accepting the debt may complicate things, or if there is a certain thing to ask for so this can get removed from her credit report? [link] [comments]  |
| What's the read on Dave Ramsey? Posted: 01 Aug 2019 01:59 PM PDT My parents took his course "Financial Peace University" several years ago about tackling your debts, saving, investing, and planning for retirement. I just recently started listening to his podcast and watching some of the videos on his YouTube page. Dude seems really legit and passionate about helping people figure out their finances. Talks a lot about eliminating small debts first, snowballing your way up to the bigger debts, and setting aside a lot of money for things like education, a house, and retirement. How you should never pay for anything you can't buy with cash--stuff like that. Just wanted to get some people's opinions on the system he preaches. [link] [comments]  |
| Parents Overpaid on Facebook Marketplace. Scam? Posted: 01 Aug 2019 08:25 AM PDT Hello, My parents are moving so my mother is selling a large quantity of things from their house on Facebook Marketplace. She apparently sold a treadmill and 2 sets of furniture to a person who decided to send a moving company to pick all of it up. The total cost of everything was $900 but the person sent a check for $5300. They told my parents to pay the moving company the $4400 in a money order. A money order, really? This is all super sketchy to me and screams of some sort of overpayment scam. I just moved my life cross country and it cost me $1300. $4400? What is confusing to me is that the person sent a certified bank check apparently (of which my parents have already put into their bank I just found out). The funds havent cleared yet but if the funds do clear do they just continue the weird transaction? So many red flags on this, but I can't figure out how this scam works if they have the funds deposited. Clarification from you smarties would be amazing so I can point them to the best course of action here. [link] [comments]  |
| What age is a good age to start building credit? Posted: 01 Aug 2019 01:57 PM PDT For context, I'm a sophomore in college. Some of my friends recently (within the past year or two) have opened credit cards as a way to start building credit. This sparked my curiosity, so I started doing research into all aspects of credit, including looking at some student cards. In turn, this has been a huge point of contention between myself and my parents. They vehemently disagree that I should open a credit card, while I don't really see a downside to using it to pay for my school expenses (books, supplies, groceries) and then paying it off immediately. I've already budgeted and set aside money for school expenses, so I wouldn't be spending money I don't have. Basically, my question is this: how old were you when you opened your first credit card? When did you decide to start building credit? [link] [comments]  |
| Made my last student loan payment, what's next? Posted: 01 Aug 2019 06:12 AM PDT So this morning I made my last student loan payment! End of an era for sure. For some time, about 2 years now, I've been saving up for a home and I feel I am halfway there but I always think that when I get there I will change my mind or life might change so I wanted to put the brakes on it and regroup to see if I can do something else. I wanted to ask advice on what options I had and were to search for them. The only real thing I have been looking for are investments. Stocks or other kinds of investments. I could make long term or even volatile ones? But the thing is I want to take some risks for some time. What advice would PF have? Is that good? If so what should I inform myself on? If not should I change my money market account to something else for better returns? All in all I am new at this so I want to inform myself. [link] [comments]  |
| Equifax Refuses to Remove Collections Account That Doesn't Match My Info Posted: 01 Aug 2019 01:38 PM PDT I have been dealing with this for almost a year and a half. After buying a car, the dealership told me to "deal with my collections accounts," which I was unaware I had. I am in Canada, if there are specifics that would be helpful. Long story short, there were two collections accounts on my credit report from Equifax (and none on TransUnion) I disputed these accounts with Equifax and talked with the companies as well. Company A verified my information and told me it was exclusively Equifax's problem, Company B verified my information and told me they would fix it. In the meantime, Equifax responded to my dispute removing Company B's collection account, but verified A's as correct. When I phoned to get details, I was told that it was matched based on "First and Last Name," after which they escalated the issue. Once this happened, additional addresses showed up on my credit report and phone numbers. I went back and forth with Equifax over the phone numerous times, and filed multiple disputes and corrections. eventually all the accounts were removed from my credit file. This took months. Now, a little over a year later, I checked my credit again, and there is different collection account for the same Company A account. I disputed this account again with Equifax, and mentioned in the dispute that this account seemed to be the same account as what they had removed a year ago. 2 weeks later they notified me that they have verified the account and it is correct. They have told me that without a letter from the collection agency or Company A telling me that I am not the person they are looking for, they will not remove the account. I have since dealt with Company A again, as well as the collection agency and have uncovered the following (that they wouldn't tell me the first time this happened because the company verified that I was NOT the same person, so privacy laws applied) First Name and Last Name are the same as mine. Middle initial is different Addresses are different, (but happen to share the same house number) No DOB or other verifiable information on the collection account or Company A's account. Company A has also refused to provide any documentation or investigation that I am not the person that this account belongs to. They said that is not their policy. As far as I can tell, Equifax has NOT merged my credit file with someone else's this time. The collection account address has not been added to my file (it was last time once they verified) I have not pulled my credit report again at this point, but may in the coming weeks if this does not get solved. It seems like there is no information other than First and Last name and a house number (but not street address) that ties this account to me, but yet I can't get Equifax to remove it. My next step is to request an escalation to a senior agent at Equifax and line by line dispute everything about the account that I know: Middle names don't match, addresses don't match and prove that I have lived at my address for the timeframe of the account. but given my prior history with Equifax, this seems to be a losing battle. If they verify that this is me again, the only thing I can think of doing is filing a complaint with my Provincial Consumer Protection Agency, but not sure if they can help in this case. I have asked a bunch of Lawyer friends if they know anyone that could help but have come up dry for someone that specializes in this type of thing. I feel like if I could just get someone at Equifax that wasn't a front line call center employee I would be able to solve this issue. Does anyone have any suggestions for how to deal with this other than what I've done and or planned that has worked for them in the past? [link] [comments]  |
| Posted: 01 Aug 2019 07:46 PM PDT Hi, [link] [comments]  |
| Posted: 01 Aug 2019 06:11 PM PDT I notice lots of scams posted on PF and I have heard of many of them. This is new to me and I was wondering what the scam is. A friend of mine recently received a package of expensive wheels and tires at his house. Of course he did not order them but they were delivered to him at his address. He opened the box, found the random wheels and tires and an invoice made out to him with a random phone number. He googled the phone number and it came back as a number used previously in fraud. No details, but just that it was potential fraud. He called the company (legit) that shipped them and they are looking into it and flagged the purchase. He checked his credit cards, no suspicious activity. He froze his credit out of precaution. So what exactly is going on in this situation? Why would someone order thousands of dollars in wheels and ship them to him? I am assuming they wanted to get the package before he got home? What's odd is that it was delivered and sat on his porch all day. It could have easily been grabbed. Lazy scammer or something else? [link] [comments]  |
| Discover Banking Web Services Down? Posted: 01 Aug 2019 07:40 PM PDT I'm just about done with the process of switching all my banking needs to Discover, so far I have been very happy with their offers and their customer service. However, over the last few weeks while I've been setting up my account their web services have gone down two or three times, leaving me unable to login. Just how often does this happen? It's a bit concerning... [link] [comments]  |
| Should my wife and I put a lot of money against our mortgage? Posted: 01 Aug 2019 07:33 PM PDT My wife and I have a fairly large income, but work like dogs. She works especially hard and long hours. We have maxed out our 401ks, our daughter's 529 plan, and have a lot of money in savings. We have no debt except for a mortgage because we're leasing our car and have no school loans. We're bad at investing in anything riskier than a CD and think the current market is way overvalued. Our mortgage interest rate is 3.875% and I realize we get an annual tax deduction on interest. We eventually want to be completely debt free. What's the thought process behind putting something like $50k against our mortgage principal? Should we pay off our mortgage early? We have 26 more years to go and will probably move in the next few years. [link] [comments]  |
| Posted: 01 Aug 2019 07:10 PM PDT Oregon, USA for reference. My benefits are now better, but we are on hers currently. Her enrollment ends a month or two before mine begin and the start of her new insurance term begin a month before mine do. She a teacher and I'm private so hers is on a school year schedule while mine is beginning of the new year. [link] [comments]  |
| Ally Bank Savings Account transfers question. What qualifies as a transfer? Posted: 01 Aug 2019 06:59 PM PDT I'm specifically wondering about automatic withdrawals (like from Spotify or Acorns, in my case). Do those count against the six available transfers per statement period? Would paying off a credit card count as one? I'm looking to close out my Chase checking account, keep my Chase savings account (which only has a $300 account minimum; I can pull money out of an atm anywhere this way), and then mostly use credit cards and pay them off through the Ally Savings. I don't want to maintain the $1500 balance/monthly direct deposit requirement for my Chase checking. But I am worried that I will go over the six transfer limit doing this. I did check on the Ally website, but I couldn't find any info answering my specific questions. Thank you for any info or experience you have in this. [link] [comments]  |
| Posted: 01 Aug 2019 01:58 PM PDT Wife and I recently bought a new house and have some left over money from the sale of our old house to invest. About 100k. We are already maxing out our 401k every year. We have a healthy savings account. I thought about dumping that money back into the house as a way to reduce our overall monthly obligations, while at the same time letting the money work for us in some way (i.e. the value of the house). But, I am worried about realestate prices hitting a high soon/ potential bubble breaking. Note: we live in the northeast. Any advice on how to conservatively invest this? [link] [comments]  |
| Getting a settlement for stolen tips, how much do I set aside for taxes? Posted: 01 Aug 2019 08:32 PM PDT In California here. I am having trouble finding out exactly how much I am going to have to pay to taxes for my settlement. It is for stolen tips over a 4 year period and is going to come out to around $100,000. 33.3% is going to my lawyer off the top. How much do I need to set aside for taxes? [link] [comments]  |
| Opening a 529 for my future (but immimant) child with anticipation of moving to a different state. Posted: 01 Aug 2019 01:32 PM PDT Hello everyone, my wife is about 8 mo pregnant at this point and I am looking to start a 529 for my child. I am currently a medical resident (I made about $65k/yr) but in 4 years (hopefully) I will be making $200+/yr. I know 529 plans are state based. I am currently living in NY and they have a decent tax break with their 529s but I am also applying for fellowship now and most likely will be moving in 2020 and likely again in 2023.
I am a little out of my comfort zone here so any help would be appreciated it. Thank you [link] [comments]  |
| Getting short term health insurance Posted: 01 Aug 2019 05:44 PM PDT I don't know if this is the right sub but I recently made a mistake and refused to get health insurance through my employer as I was offered a full-time position and now I have none. Are there any places online where I may be able to find insurance at rates which aren't so expensive? [link] [comments]  |
| Emergency Fund in High Yield Savings Posted: 01 Aug 2019 07:39 PM PDT Quick question: Good idea to transfer emergency funds from my current bank to an Ally or AmEx savings account for the higher APY? Also, would the money be easily accessible from the new account? Thank you [link] [comments]  |
| Credit card was compromised- charges from Playstation won't stop on new cards Posted: 01 Aug 2019 12:34 PM PDT Back in March my Capital One credit card was compromised. I wasn't aware until I went to pay my bill, which I pay off every month. There were over 5K in unauthorized charges. Most of them were concert tickets, pizza delivery, prison inmate calls, iTunes, and a few PayPal and Playstation charges. The majority of them were under $100, so it never got flagged in their system as fraudulent until I noticed and called. They shut down my card and mailed me a new one. A few days went by and I continued to get charges for Playstation and prison inmate calls. I called back and they shut down that card and again mailed me a new one. On this new card, the inmate charges have stopped, but I'm still getting Playstation charges. Capital One has said that they are nearly impossible to stop, since there's an agreement with Visa about how when someone gets a new card, they automatically start charging the new card so that there's no interrupt in service. I do not and have never had a Playstation account. Their solution was to have me keep my card locked at all times, until I want to use it, and then locking it again. I have a couple of monthly bills that are paid with this account and I have to set up reminders to unlock the card so that the bill is processed. Last week while it was unlocked for a payment to go through for my gym membership, another Playstation charge came through. Today I called Playstation and they said since I don't have an account with them, they cannot look up an account just with my card number. I called Capital One and their solution once again, was to reissue me a new card and advise me to keep it locked at all times unless I need to use it. I get good rewards from this program and don't want to close my account as we are finishing home construction in a couple of months and I don't want it to affect my credit score. Is there anything else I can do to get these charges to stop without keeping my card locked at all times? [link] [comments]  |
| Is it rude to ask how much of a bonus you are getting? Posted: 01 Aug 2019 07:21 PM PDT So I was giving notice from my supervisor that I would be getting a bonus for my performance on a project on my job. I didn't ask how much the bonus would be since I was worried about being rude. Should I make it a habit to ask? Is was it silly to think that would be rude to ask? I could really use a good bonus to work on my credit repair (another post). [link] [comments]  |
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