Personal Finance Credit score up, car insurance cost down |
- Credit score up, car insurance cost down
- Chargeback for hotel stay that was never redeemed was denied, is it worth calling over?
- Interesting Craigslist housing scam
- When/how do you save up for a house downpayment?
- Paid $500 for tickets, never received them. Now the company is refusing to refund me. What are my options?
- My wife's boss is asking her for MY income
- Normal to pay potential landlord for credit check and background report?
- StubHub cant prove a fraudulent activity on my account for tickets I don't want and I may be losing out on $830. Help!
- Grandma got scammed out of cash
- Searching basic advices for sudden high amount of money
- Boyfriends mom opened a joint credit card and charged/failed to pay it and now it’s affecting his credit score
- I just started a Fidelity IRA and I would appreciate some advice.
- Cancel 10 year old CC with $39 Annual fee?
- Question about stock market investment, or investing in general
- Doing this for my mom as she doesn’t really know how to do this type of thing.
- Merger looking more like a reality - How do I survive if I get laid off?
- I have money in a state-run retirement account: Should I transfer it out or keep it in there?
- I work for a state government entity. How do I decide between a 401k or 403b?
- Soon to be Real Estate Agent, which debts should I tackle first due to a commission income and instability of paychecks coming in in the beginning?
- Any good books for people with rocks for brains?
- Should I move savings to Roth before EOFY?
- Moving from US to Canada, What's the best way to transfer my savings over?
- [seeking advice] debt versus early withdraw on 401k
| Credit score up, car insurance cost down Posted: 05 Dec 2019 05:45 AM PST Over the last 18 months I have added about 100 points to my credit score. This morning I called my car insurance provider and told them I had made a big improvement and wanted to be re-rated. Initially, the agent didn't want to do this stating it is very unlikely it will make a difference. He was wrong! Annual premium for 3 cars went from $2,214 to $1,422. Boom! [link] [comments]  |
| Chargeback for hotel stay that was never redeemed was denied, is it worth calling over? Posted: 05 Dec 2019 01:19 AM PST In October my sister and I had a hostel booked in Munich with a 9am check-in time. Long story short, check-in never occurred; we waited hours as our check-in time kept getting pushed back and back, we were told 10, then noon, then 1, then 2, then 3, then 5... finally we gave up and asked for our reservation to be cancelled as we had missed our plans for the day waiting and somebody had warned us about bedbugs in the hostel while we were waiting (all reviews online confirmed it). We checked our bag and actually found one crawling around on it- I have a photo of it after I killed it. Hell no we weren't going to risk staying there. We had to have money wired for an emergency last-minute Airbnb. Man at the front desk was very rude and told us we would be charged in full for all days. He claimed our room would be ready in an hour and we needed to wait, and when we mentioned the bedbugs he said we hadn't been up to our room so how could we know there was bedbugs in our room? He also said that the site we booked through that said 9am check-in was a 3rd-party site unaffiliated with them. Their own website says 3pm (somewhere, but we couldn't find it). Obviously, he refused our refund on all fronts. We left, I did a chargeback on my card upon returning to the states. I received a balance correction while the dispute was contested. A few days ago I got charged again for the full amount, so I'm guessing my dispute was rejected. Considering the booking was legitimate but through a site not affiliated with the hostel, the bedbugs situation (with pic of bedbug in the lobby, but not our room), and the fact that we didn't stay there, is it worth calling and escalating the dispute to try to get a ruling in our favor? ETA: We booked through the 3rd-party but didn't pay through them; we were charged the full stay when I handed over my card upon arrival at the hostel, prior to waiting for hours. ETA 2: I did receive the cancellation policy in the original booking email that stated that cancellations were allowed 24 hours prior to arrival date. We were staying 2 nights, so at the very least I believe my second night should have been refunded, unless they mean cancel 24 hours prior to date of entire reservation. Honestly, if I have to pay I won't lose sleep over it, it would've been much worse to stay in that nasty infested hostel. Just was not sure if late check-ins and bedbugs were legitimate means for emergency cancellation. Thanks everyone for your responses! ETA 3: To clear up a few more details; the charge on my bank statement says "balance adjustment," which leads me to believe it's from the dispute outcome and not a duplicate charge from the hostel. Multiple people have mentioned the 9am check in as odd; the site we booked through was in German so perhaps mistranslation led to it seeming like a check in time rather than arrival time. Either way, when we arrived we were told a room would be ready for us in an hour or so, then another hour or so, and so on. When we came back after lunch the lobby was packed (and I mean, PACKED) with tourists waiting to check in, which leads me to believe that we weren't the only ones given an earlier possible check in time. Had we known and not been strung along, we would've gone to our plans with bags and all. My sister and I were quiet and polite waiting in the corner of the lobby. We checked in once ever hour or so with the man at the desk and were nothing but courteous and patient. Regardless, he snapped at us (and everyone else in the lobby) at the slightest question or inconvenience. I understood that he must've been overwhelmed being the only one working, but after enough observation I realized that he was just an asshole working in the wrong industry. Or just exhibiting some of that famous European hospitality. We were content to wait (unhappy about it, but what could we do?) even though we missed our plans for the day. We got to talking to some others waiting in the lobby who started warning about bed bugs in the hostel. That's when we got paranoid as we had been sitting in the gross couches in the lobby, and we started looking online and reading all the reviews. That's when we checked our bag and found a bed bug and decided to hightail it out of there. The wait was bad enough, but we weren't going to risk our health and belongings by waiting AND staying in an infested room. We were still polite when we requested to check out and the man was exceptionally rude and belittled me to the point of tears. I'm not proud that he made me cry, but he did, and he intimidated me so bad about not contacting management for a refund that I suppose that's why I didn't try. We just grabbed our things and quickly left. The booking site didn't charge us, we were charged when we handed our card over at the desk. [link] [comments]  |
| Interesting Craigslist housing scam Posted: 05 Dec 2019 10:32 AM PST I'm trying to rent an apartment for the upcoming year and encountered a craigslist scam that is slightly more ambitious than the typical "take your deposit and run" variety. Here is the body of the email: This is to acknowledge the receipt of your completed application form for [the relevant address]. The unit will be available to move in as from January 01 2020 because it is currently occupied. Our next open house is scheduled for 15th of December 2019 by 12 NOON at the property address. Nevertheless; if you are really interested in the apartment, you can reserve the property by signing the lease contract agreement and make a refundable holding deposit to the landlord so as to secure the apartment prior to your intended move in date. Please note that signing the lease contract and making a deposit only secure the apartment, but it does not tie you down to the contract if you have any objection after viewing. The refundable holding deposit is the first month rent plus security damage deposit. This will automatically serves as your rent payment after you view and certify the unit Additional discount for upfront payment: -6 months lease payment attract discount of 10% of the total rent which now amount to $9,720 with a security deposit of $1,500. -A year lease payment attract 20% discount of the total rent which now amount to $17,280 with a security deposit of $1,500 A clause in the lease contract agreement clearly states that your total payment will be refunded within 24 hours in a situation whereby you do not like/want the apartment upon your viewing date/move-in date. Advantages of making a refundable deposit are: - It guarantees that the apartment is yours if you like it after viewing.- The lease contract agreement protect your deposit for refund within 24 hours should you have a change of mind towards the apartment from the time of your viewing.- It also hold the property down for you prior to your viewing schedule. ~~~~~~~~~~ The TLDR is that they wanted me to make a YEAR of rent payments up front for a 20% discount on the total rent before even looking at the apartment. Very ambitious for a scammer, very devastating for anybody who falls for it. [link] [comments]  |
| When/how do you save up for a house downpayment? Posted: 05 Dec 2019 02:02 AM PST I have 4.5k in student loans remaining, 5.5k in vehicle debt. So 10k total debt... Right now i rent a place with a roommate that keeps my housing cost low. I do see myself buying a house at some point, but have no clue when/how i should save up for one. My original plan was to pay off the vehicle debt and let my student loan sit so i build credit with it, then attack that. Should I be saving for a downpayment at the same time as paying off debt, or would it be better to do that after? Do i just put savings in a high interest savings account then while saving for a year or two for a downpayment? I've heard some people use to use ROTH IRA's for this purpose... I have no clue... [link] [comments]  |
| Posted: 05 Dec 2019 12:20 AM PST Hey /r/pf, I bought these tickets for a special event that has now come and gone. I was unable to go as I never received my tickets. I paid a reputable vendor for them with my debit card (first mistake), and waited patiently for them to be transferred to my account (second mistake). Now, after dealing with their customer service, I'm being told that all they're able to do is give me a $50 voucher for tickets for next time. The website even has a money back guarantee (seatgeek) that they are not upholding. What are my options here? It's already taken me almost a week just to get declined a refund, and I want to act quickly from here. Is going to my bank and marking that as a fraudulent charge a good idea? Is there a better route that might get me my money quicker? Thanks for the help. E: I appreciate everyone's help. You've given me a lot of things to look at, a lot of info to gather, and a lot of conversations I still need to have with the companies involved. [link] [comments]  |
| My wife's boss is asking her for MY income Posted: 05 Dec 2019 01:17 PM PST He says he needs it to figure out how much taxes to take out. She is a W-2 with a draw based salary. I feel like that's an invasion of our (or my) privacy and he shouldn't need it. Advice? [link] [comments]  |
| Normal to pay potential landlord for credit check and background report? Posted: 05 Dec 2019 06:05 PM PST Is it normal for landlords to require potential tenants to write them a check for $55 to do a credit check and background check? Doesn't seem right to me considering there is no guarantee I'll get the apartment. I have excellent credit scores and no eviction history. Wish landlords would just let me log into my bank, Experian, and CreditKarma accounts and show them in person. [link] [comments]  |
| Posted: 05 Dec 2019 01:16 PM PST Tuesday, while scrolling my emails after work, I noticed a message from PayPal about purchasing 3 tickets to a football game this coming Saturday for a total of $830. I didn't authorize this transaction and called StubHub to dispute the charge. After 2 days of calling, I was told the fraud team couldnt find evidence of fraud, therefore they wont issue a refund. Today, I called again to pleading my case that I did not buy these tickets but again was met with "the fraud team says there was no fraud". They offered to help me resell the tickets on their website with the hope that I'll recoup the loss (if they even sell at all. These tickets were printed and overnighted to me). I've called PayPal to open a claim and am waiting to be called back from them. What are my other options here? Has anyone else been in a similar situation? If so how'd it go for you? UPDATE: PayPal is siding with StubHub on this. I'm screwed. Dont use StubHub. [link] [comments]  |
| Grandma got scammed out of cash Posted: 05 Dec 2019 04:57 PM PST I see a lot of similar posts but couldn't find anything like this directly and could use any help you can offer. My grandmother was called and told she won six million dollars from a tv show she watches. She was ecstatic. Then they said she needed to pay them $7500 to collect the money, and also had to tell them all of her info (bank account numbers, social security, the works). She told them that she could do that, but couldn't drive (and she wanted to keep the winnings a surprise from my mom, her daughter, so didn't tell her) so the scammers came to her home, picked her up, and drove her to the bank for the money. She took out all the cash she had and then several thousand in cash advances on her credit card. They also then drove her to Verizon because they needed iPhones for it, so she bought four new iPhones for them too. Obviously, they never came through, so she told my mom. They've already filed a police report, gotten her new accounts, and are trying to figure things out, but what else do they need to do? What can I do to help? On top of that, are there any security cameras we can put in her house to keep an eye on her, even though she doesn't have internet? Again, I'm sorry if this is repetitive, we're just speechless, she's a widowed pensioner who now has no money. Is there any hope of getting any of that money back? Any help is greatly appreciated. [link] [comments]  |
| Searching basic advices for sudden high amount of money Posted: 05 Dec 2019 05:47 PM PST Hello everyone As my title says, i will get a large amount of money ( roughly 180.000 Euro) because of a Workplace accident that happened last year. I lost my right Arm and right leg, but made a good recovery, have the best prothetic limbs i could get and it got paid completely by my insurance. With the start of next year there will also be a monthly payment of ~750 Euro ( Insurance) + 300 Euro ( Care money) that i will get till i die. I have some student loan debt left and a few bills to pay that piled up but even after that i am obviously still left with quite some money. Rent and everything will be covered by the monthly payments and even there i am left with about 300 Euros. I plan to buy a car and let it get changed so i am able to drive but even that will get paid for. So i am asking for some basic advice i guess because of course i expected some, but not that much. I already have a appointment with my bank guy and my lawyer who handled my case and will ask the too. I would just appreciate every tip and advise you have for me :) [link] [comments]  |
| Posted: 05 Dec 2019 07:40 AM PST My boyfriends mom opened a credit card when he was 18 for her to charge all his "college expenses". They had a deal where if he went to college, she would pay. She opened it so he would have access if he occasionally needed to charge something to the card and so that she could also charge things to the card. She then proceeded to charge things unrelated to college and the bill got pretty high. She missed payments and it was a mess. While he was still in college, he expressed to her his concern about this affecting his credit score and she claimed that there was no way it could because it only affected her. As he's gotten older, he's since tried to apply for credit cards and gotten rejected across the board, tried applying for a mattress and got rejected for financing, and he's run his credit and sees he has $9,000 of unpaid credit. This was not something he had anything to do with but it's affecting us starting a life together. He doesn't have access to the account so he can't even see what is being charged but the amount seems to grow and his credit score is very low. How do we get him off of this credit card so it doesn't negatively affect him anymore? His mom is sensitive and things can go really sour really fast. We just want to start a life together and not have this to negatively affect us. Edit: For clarification, I am not sure if it is a joint account or if he is an authorized user. His mom just handed him a card. It is not unlike her to sign things for him so either could be the case but he never personally signed off on the card. Edit: Great news! He is just an authorized user and he was able to take himself off the account. Thanks for the help everyone. [link] [comments]  |
| I just started a Fidelity IRA and I would appreciate some advice. Posted: 05 Dec 2019 06:11 PM PST I've read the r/personalfinance faq and I know I should be going for index funds. The problem is that Fidelity has 59 of them. I would like to follow the general advice thread and invest 20% in bonds, 30% in international, and 50% in various other sources. How do I do this? [link] [comments]  |
| Cancel 10 year old CC with $39 Annual fee? Posted: 05 Dec 2019 07:04 PM PST I paid off the card, and I don't usually use credit cards because of high interest rates. Considering that credit scores take into account average age of credit lines, should I cancel my BOA card because of $40 annual fee or will keeping the card help my credit score? Also, it's good to have just in case. [link] [comments]  |
| Question about stock market investment, or investing in general Posted: 05 Dec 2019 04:23 PM PST So this might be asked a lot, but would it be wise to throw per say $1000 to start a Robinhood account, or really any stock market app that has an investor that buys and sells stock for you? Is $1000 a good amount to start one of these accounts? Or should I put in a lower amount, or should I just do something different that would make more off of investment for a savings fund. [link] [comments]  |
| Doing this for my mom as she doesn’t really know how to do this type of thing. Posted: 05 Dec 2019 06:16 PM PST So my mom works for a family owned larger company with a lot of different branches of the company. aka call center, distribution, discount store for returned products, as well as making their own food, products, and sourcing their own products for their customers. So basically the whole place is massive. it has about 1000 people company wide. so my mom is currently a team leader for a call center where she over looks about 40 people right now during Christmas time and the company is asking her to be a head manager for a smaller separate call center, the discount store, operations for a separate facility where they are making products for the store to sell, and most likely distribution aspects of it all. she is struggling with the fact on what to ask for a raise. i mean she's only working as a team leader now, and overlooking at most 40 people at a time during Christmas time. she's making roughly 16.30 an hour and that's for working 1 job. she'll be working 3 or 4 at a time. how much should she ask for? $19 an hour? $20 an hour? my mom and i are terrible at personal finance so we need some help with this. whatever you have to say will be GREATLY appreciated. if anyone even reads this that is. THANK YOUUUU ❤️😘 [link] [comments]  |
| Merger looking more like a reality - How do I survive if I get laid off? Posted: 05 Dec 2019 02:25 PM PST As the title says, I may be laid off in the next 6 months or so. Nothing is set in stone, but an upcoming merger could mean my position gets cut...Or it could mean I'd be absorbed into the bigger fish. Whatever. I'm terrified of losing my job. I got married in June to my best friend, I just bought a house back in July, I just got a used truck which I'm making payments on. I'm trying to make sure I have at LEAST 3 months worth of reserves...But, boy oh boy, this is a terrifying concept. Any tips would be so appreciated. [link] [comments]  |
| I have money in a state-run retirement account: Should I transfer it out or keep it in there? Posted: 05 Dec 2019 04:28 PM PST Hi Reddit. I have a personal finance related question and really had no idea where to turn for answers. I always find people on r/personalfinance to offer really good guidance, so I thought why not, let me try asking you! I worked as a state employee in AZ for 3 years. There was only one option for retirement contributions and participation was mandatory (the system is called "ASRS," Arizona State Retirement System). They take 11% of your paycheck, and if you keep that money in the state run retirement system until you retire, they will match 100% of what you put in. However, If you transfer your money out of ASRS (my situation, I got a new job in a different state), then you get 0% match from them. So essentially my choice is to: · leave this money in ASRS for ~35 years and get 100% match. · Transfer it out now and get 0% match. My worry is that either I will forget about it or they will forget about me (contact them in 35 years and they say "uhhhh, who are you?"). I am just worried it is going to be lost in some way. Which is what would lead me to maybe want to transfer it to a more normal retirement account (I use Fidelity) that I have control of and that I know the money will always be there. I know the answer to this is "Well, it is up to you, what do you want to do?" But my question is: "what would you do?" You guys are always very smart about personal finance decisions, so I would just be curious what your thoughts are about this. Also, input from anyone who has been in a similar situation (or possibly the same situation with ASRS) would be great. Thanks! Edit: sorry, didnt explain it well. If i keep it in ASRS, i will get 100% match of what i put in and the stock market returns on the entire amount over the course of the 35 years. Edit 2: Orian3030 gave me some great advice. I am taking the money out. Man, state run retirement frickin sucks, i am so behind with my retirement already and this does not help, fuck that shit. Thanks!!!! I know what to do now [link] [comments]  |
| I work for a state government entity. How do I decide between a 401k or 403b? Posted: 05 Dec 2019 02:34 PM PST To preface this, I recently opened a Roth IRA account with Fidelity and have been slowly putting money into it (not even close to maxing it out for the year). I'm still in the beginning phases of figuring out where to invest the money (ex. the index funds?). However, the research I've been doing led me to believe that I should've started a 401k with my employer before focusing on an individual retirement account. My employer offers: 457b (pre-tax), 401k (pre-tax), 403b (pre-tax), 457b Roth, and 401k Roth. How exactly should I weigh my options? What exactly should I be thinking in terms of finances (income, tax-bracket, etc.) before choosing a retirement plan? My gross annual income is $51,500 and I only got my job in June 2019. I also plan to talk to Finance/HR more in-depth about this, but was wondering if anyone could point me in the right direction. [link] [comments]  |
| Posted: 05 Dec 2019 07:05 PM PST First and foremost, I'd rather not speak on the reasons behind the debt as I've realized my absolute horrible mistakes and have woken up completely, but I have stopped what caused the debt, and I'm now looking to rebound from it and take control of my finances & life again. I also do Shipt & DoorDash currently that allows me to make some money to just pay off the monthly payments and then some on my current debt, which when I start doing real estate, I can make enough weekly to just stay afloat for monthly payments with shipt & doordash and put the rest of my efforts into Real Estate and put those checks straight into the debt. I plan on getting licensed (almost done with course) and up and running in the business by January 1st, so take that into mind as well. Loans I have $2,900 in my checking account currently to put towards the debt, and $1,000 in a High Yield Savings Account as my emergency fund. I live with my parents and don't have any monthly payments except the ones listed below and $260 a month on car insurance. Now here's where it gets tricky. Which of these do I tackle first due to the instability of my income? Do I tackle the credit card debt first to get my credit utilization back down so I can get back to my 750 credit score that I have when I had a low utilization? Or do I put the minimum monthly payments evenly into the 2 Debt Consolidation loans & my Car Loan because every time I pay it off early, it'll auto roll into the next month. (ex: I can pay off my car payment with $1,500 this second that has a $300 monthly payment, and I won't have to pay again for 5 months. Credit Card 1 $7,300 balance | $25,000 Credit Limit | 12.49% APR | Monthly Payment $20 or 2% of balance, whatever's greater, next due on 01/21/20 Credit Card 2 $1,300 balance | $4,000 Credit Limit | 12.49% APR | Monthly Payment $20 or 2% of balance, whatever's greater, next due on 01/12/20 Credit Card 3 $6,925.83 balance | $7,500 Credit Limit | 0.00% APR til August 24, 2020, then 23.49% | Monthly Payment 2% of balance, next due on 01/18/20 Auto Loan $15,200.41 balance | 5.69% APR | Monthly Payment $310.99, next due on 01/08/20 | Going to keep car due to the nature of the business I'm going into unless a way better option is offered below. Debt Consolidation Loan $5,207.99 balance | 15.85% APR | Monthly Payment $241.70, next due on 04/08/20 Personal Loan $9,690.42 balance | 16.35% APR | Monthly Payment $264.44, next due on 01/08/20 There's all my liabilities & debts that I currently have. Would like to keep my car before anyone suggests that as it's pretty much even money value with what I owe on the loan, plus I would like to have a decent car for being a real estate agent. So not sure which loan to target specifically first and do the snowball or avalanche methods? Or what I originally was thinking was evenly spread the money into the current loans due in January so I don't have monthly payments to worry about. Looking forward to your guys' suggestions, thank you very much! TL;DR: Will have no guaranteed income as I'm going to be a real estate agent, have $3,900 cash between checking & emergency fund right now, do I do avalanche or snowball method on the debt listed above, or evenly spread the cash between loans to push the monthly payment due dates back until I get the ball rolling as an agent. Thank you! [link] [comments]  |
| Any good books for people with rocks for brains? Posted: 05 Dec 2019 05:19 PM PST I'm not a fool, completely stupid or anything but when it comes to personal finance I'm definitely uneducated and naive. When I start digging into this my eyes roll to the back of my head and I go dumb af. I'm a "lift things up, put things down" kind of guy. I'm not highly educated or super smart in general. I've read the wiki here and it's helped tremendously but I'm hoping for other extras that can help me. I've made huge improvement in the last six months but you start talking 401k, IRA, and etc... I'm lost. I don't even understand my company's heath insurance because they offer so many different variations. Any suggestions on resources? [link] [comments]  |
| Should I move savings to Roth before EOFY? Posted: 05 Dec 2019 06:39 PM PST First some context - I am 28 years old, and recently moved from Australia to America for a new job in an effort to save money for a house, and ideally early retirement (but baby steps). I had zero in savings at the start of the year, but now have about $60k USD broken up as follows: After reading through this and similar financial advice subs, it seems I may have jumped the gun since I went straight to investing after building emergency fund, but never maxed out 401k / Roth contributions. My employer uses Guideline and matches up to 5% of my salary, so have updated my contribution to 5% as of tonight, but when I did this I saw that I am also allowed to contribute up to $19,000 to a "Roth 401(k)" - would it be a good idea to move some of my savings into that before financial year ends and it resets? [link] [comments]  |
| Moving from US to Canada, What's the best way to transfer my savings over? Posted: 05 Dec 2019 10:35 AM PST I don't have a ton of money saved, but a few thousand dollars. I don't want to withdraw it all in cash and just bring it with me, which is what my bank advised me to do. It doesn't seem very safe and would likely raise suspicion at the border. I was thinking that on my next visit to Canada before I move, I could go with a few hundred dollars cash and use it to start a bank account in Canada, then transfer it over electronically. Is this a good idea? I've never done anything like this before, just want to make sure I'm not missing any obvious reason why this wouldn't work, would get me in trouble, etc. [link] [comments]  |
| [seeking advice] debt versus early withdraw on 401k Posted: 05 Dec 2019 12:57 PM PST Background: I have about as much debt as I do in my 401k (with a previous employer, no longer contributing). I have a full-time job where I'm barely making ends meet with monthly expenses, bill payment, etc. I'm considering wiping the "slate clean" and doing an early withdraw so I can move on with my life. I'm a single 28 year old with no dependents. Credit score is 689, never had a late payment, no derogatory marks. Details: Annual income: $42,500 (works out to about $600/week after taxes/benefits) 401k: $47,000 -- borrowed against this in 2016, finishing repayment in Jan 2020 (payment is $419/mo) Personal loan (0% APR until June 2020, then 18% APR): $21,655 balance -- min payment (which is what I pay) $747/mo, 4 year period Credit card 1 (14.99% APR): $10,419 balance -- I pay $200/mo (minimum due is less than that) Credit card 2 (17% APR): $1825 balance -- I pay $200/mo (minimum is $35/mo) Credit card 3 (12.5% APR) $1182 balance -- I pay $100/mo (minimum due is less than that) Car (7.94% APR): $7200 balance -- I pay minimum of $219/mo (not really looking to resolve this loan, but it is a factor in my expenses) I live alone, rent is $900 month, gas/electric/water adds up to about $200/mo (?). I try not to use the cc's, but "life" things always pop up that I can't afford (because of all my monthly bill obligations) and I use the cards here and there. And the cycle continues. I looked some into it, and it would be about $10,000 in taxes for the withdraw, then the 10% IRS penalty. I'm kind of at a breaking point and I feel the early withdraw will just alleviate my horrific daily anxiety that I'll never crawl out of this hole. Thoughts? Not sure how much info is really needed for sound advice here. Let me know if I can add anything. Any feedback is appreciated. [link] [comments]  |
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