Freelancing one big gig for ~$50K. How should I handle this at tax time? Hello, some background information- I am living in New York City and currently working as a server making roughly 50K a year. I also do occasional freelance film and photography work on the side, but it has never been substantial enough to mention on my taxes. A new opportunity to do a single photography gig has opened up for me, one where I cou…

Trying to be independent at 18 Hello financial Redditors, I am trying to get away from an abusive household and support myself financially without fear of ending up homeless or worse. I am not expecting a luxury end apartment or making good money, but I would like to know how to better budget my cash as an 18 year old Junior in High school. Can you guys recommend good resourc…

Best Way to Pay Credit Card Balance Hello! I would like to asks to your insights for the best way to pay my credit card balance. Im using Unionbank Lazada CC with 3% monthly interest. I have a balance of P103K . Now, I can pay 7k a month for it . I am contemplating if I should lend money from gcash with maximum of 45k with 1.59% interest monthly and 3% Processing fee of P1,350 so …

Cash out refi, HELOC, or 0% CC? I’m retired in the US and living in London. My wife is pregnant and we are moving to West Bridgford outside of Nottingham where the cost of living is low and the quality of life is high. We’ll actually save roughly $100 month just from my pension money and her 52 weeks of paid maternity leave, but we intend to work also. I’m going to incur some …

Bank has locked my wife’s Trust account, can no longer deposit checks being issued. Long story short, my wife has an irrevocable trust. The Trustee (her uncle) has been receiving checks every month for the last 20 years and depositing them in a local bank where the Trust is located (local to him, many miles away from us). He died last year, and the trust was not set up to have anything happen if the Trustee died, no secondary o…

Paying off mortgage with super Advice please. Am single, 59 have 250k mortgage earn 110k aussie a year. Is it best to keep paying off till I retire at 67 or tap into super early and pay it off. It was suggested to take super out and leave in offset account. I know their are tax penalties to take out at my preservation age at 60. Any advice appreciated. submitted by /u…

Roth IRA questions from a financially illiterate college student I opened up a Roth IRA account about 2 years ago and I have put money into it, but is it true you have to invest that money? It’s not done automatically? If so how do I goa bout knowing which accounts to invest money into, some accounts have a minimum of $3000, but was I supposed to max every year and then invest after maxing out? My max a year …

Bad with money, seeking advice I’m not good with money. I grew up very poor and never had anyone to teach me. Recently my dad passed away and I got a lump sum of about 100k. I have a new car I owe about 20k on, I have 50k in student loans (Im a nurse and make about 60k a year), what are some smart financial moves? I just don’t have a clue what to do. I’m in an apartment so do…

Follow Form Umbrella Coverage (California) Hello. I was recently quoted umbrella coverage for $3M and it came out to roughly $800 annually. As seems to be typical, details on the actual coverage were limited. I spoke to the agent and found out that it’s follow form coverage which means that it’s only an extension of existing auto and home coverage with a higher limit. Although this may b…

30k bonus and 22k left on car payment I will be receiving a 30k bonus soon and currently have no credit card debt. I put 20% of each paycheck into my 401k and have 10k saving at the moment. My plan was to pay off my truck 22k remaining at 5.04% interest. And then make my saving sit at 15k. Is there any reason to keep the entire 30k instead for like a large dump into the stock marke…

How to max out retirement without going over Work contributes $500/year divided by paycheck to my HSA. Somehow last year they ended up putting in $500.11. I’m contributing $3,796/year in addition to that to make sure I don’t go over.I’d also like to max out my 401k of $23,500. Last year I made $103,00 but my bonuses fluctuate and it might be less this year but I’m also getting a raise. It …

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Health insurance claim denied Hi everyone! I JUST now (feb 2025) received a $400 bill in the mail for when i burst my eardrum oct 2023. The claim was denied by Emblem Health in dec 2023 for being out of network but I asked multiple times at the urgent clinic to be sure and they said it was covered. The doctor didn’t do anything besides use an otoscope (the ear magnifier thin…

What is the smartest way to invest 30k for my 1yr old? I have a lump sum $30k to invest for my son. I plan on still opening a 529 outside of the 30k. I would like it to grow, and also have the option of controlling the funds in case he turns out to be irresponsible. The goal would be something he can draw funds from but also put into so that it could continue to grow and then pass it on to his kids….

Pregnancy, Partner & Finances I’m (27F) pregnant by my long term partner (29M) of almost 10 years. We rent together, split bills etc I’m self employed and suffering badly with HG in my pregnancy, throwing up 60+ times a day and it’s got to the point that I’m not able to work or earn my own money. I’m faint & dizzy constantly My partner is looking to buy a house, I have mon…

Federal Student Loans Credit Reporting – Something New? “Federal student loan payments now report to the credit bureaus when 90 says late. Make sure to keep your account current.” Just saw the above alert this evening when logging into the Experian credit app – thankfully, not something that’s going to affect me since I’ve never had a late payment, but now I’m curious – is this something new entirely…

Don’t known if I should sell or keep my home I’m 27yrs old, got this townhouse in kingwood in 2021. My biggest issue is the HOA fee of 400 a month for what it seems to be the bare minimum. Car has been broken into twice. Towed as well for being parked on the grass “one of the tires was slightly on the grass” it seems like the HOA is older people that don’t seem to invest in the community i…

Car Loan Divorce Madness Me and my husband began the divorce process, and when we were together, I signed an auto loan to help him purchase a vehicle because his credit was horrendous. During our marriage, he drove that car and I drove a separate vehicle. We are in the process of separating, and because my husband’s credit is so bad (bankruptcy, collections, etc.), he c…

Purchase APR will no longer vary with the market based on the Prime Rate I guess it doesn’t matter because I pay my statement in full, but it’s still like what the heck? Taking effect on 4/9/25, my Victoria’s Secret card will go all the way up to 35.99%. They are preparing for what will occur in the US due to the current economic climate. “Your Purchase APR will no longer vary with the market based on the Prime Rate….

German business is being suffocated by high costs and red tape Many bosses doubt that the upcoming election will change that