Please Help Me Make a Plan I’ve always been afraid of making a post here and that is part of the issue. I have a tendency to be very afraid of finances, I close my eyes and pay my bills and swipe my card and hope I make it with something leftover by the next paycheck. I’m ready to change that. I (28f) have a stable job with a decent income, 9k in personal loans, 10k in c…

Spouse can’t withdraw from FSA but we have an HSA My spouses benefit year starts on June 1st of every year. She has a general purpose FSA which her benefits admin said she cannot withdraw from/stop contributing to. We have submitted paperwork to demonstrate that this is a QLE (open enrollment) but they said we still cannot withdraw from the FSA plan. We have an HSA plan that started on January …

W-2 + 1099 confusion, time for an accountant? Hello all, hope everyone is well. This question may seem pretty dumb at first glance but this is my first year having to combine W-2 returns with a 1099 job. Every year prior it’s always been easy with a single W-2 to use H&R app and just return it myself. But this year for many reasons has been chaotic. I have 2 W-2s plus a 1099 from jobs in A…

What is the best approach to refinancing my auto loan? Hi looking for advice on the best approach to refinancing my auto loan. Some background — I took out an auto loan 5/2023 with an original balance of $25,650 and an APR 8.39%, and a monthly payment of $456. The current principal balance is $19,560. My current interest rate is not ideal and I would like to refinance in the next couple of months. …

First Time Car Dealership Purchase – Seeking Advice When buying used from a dealership (looking at a 2022 Camry Hybrid), what tricks of the trade are helpful to know? What fees can I avoid, how can I negotiate a better deal, etc? I’m looking at 2022 Camry Hybrid SE with 32,000 miles for $27,000 list price. I’ll be paying cash but I’ve never went through a dealer before 🚗 submitted by /u/…

How best to utilize 1099 income for tax advantages or investments? I am in the fortunate position of stepping into a 1099 role that is essentially ‘bonus’ money for our family. My husband has a regular W-2 position that covers our necessities and some savings. He has an HSA and a 401k through work. We have been extremely frugal and have no debt beyond our mortgage. However, due to being a SAHM for several yea…

Still best to fund IRA upfront all at once? I know nobody can predict markets, but is this still the suggested way to fund your IRA? I will be just moving the $7k from HYSA to the IRA (which is invested 100% in a total market index fund). I won’t need the money (one of the reasons I’ve read to just monthly transfer the funds). Normally I do one transfer in January and then don’t worry ab…

Almost 2 years and still no raise. What would you do? Hey Everyone, I’ve been with this company for almost 2 years (approaching 2 years in the Summer). I work for a start up and have been wanting to ask for a raise. Reason I hesitate, we’re a start up and not sure if the funding is there. I know at least one employee has had a 20k bump since they started, and they’ve been there for 2 and a half yea…

New Capital One Bill Pay What’s coming in the new Capital One Bill Pay? The email didn’t seem to promise a better experience or new features. It almost seemed like they were trying to lower expectations in the FAQs saying some payees might not be able to be paid electronically. submitted by /u/Typical-Trainer4533

What to do with Costco for spend tracking/ budgeting? We get such a wide range of stuff from Costco. Groceries, toiletries, batteries, clothes, medicines, some electronics, restaurant gift cards, Nintendo gift cards, alcohol, general household items, etc. Lumping Costco in with any other budget category balloons the category beyond it’s real size. We’ve just let it be its own category but it ends u…

Turning 18 soon. What are some must do’s? Im turning 18 early February. I am wondering what kind of things I should do to set myself up for success. I plan on opening a brokerage account with robin hood, a HYSA, and signing up for some credit cards. I have around $50,000 saved, but I plan on studying abroad for a year starting in the summer, so that will likely set me back $25,000 and a…

TikTok Ban Sparks 5000% Surge In Alternative App Searches via @sejournal, @MattGSouthern Search data shows Americans are exploring TikTok alternatives and workarounds, but struggling to find satisfactory replacements. The post TikTok Ban Sparks 5000% Surge In Alternative App Searches appeared first on Search Engine Journal.

In laws expenses-thoughts and suggestions This is a throw away account. My fiance and I are in talks about marriage. For some background, my parents are well settled from metro city and have retirement savings as they will be retiring in a few years. My fiancé’s parents are also the same age and his mother is a homemaker. Now his parents have decent income but do not have absolutely any…

Are classroom receipts something we can include with taxes? My wife is a private school teacher in Alabama. She spent money out of pocket last summer for things like classroom decor and classroom supplies. We saved the receipts, in case we can include them with our taxes. My question is, can we? This is her first year teaching, so our first year going through it. Appreciate any guidance. submitted b…

Should I sell my property to buy an apartment with my partner My partner (late 40s M) and I (late 20s F) have been together for 2 years. I’m on 120k and he is on 180k. I have a house of my own which is not in a great area currently worth around 800-850k (mortgage around 410k) and a car. He doesn’t have any property or car. I have a child (with ex partner) who stays with me three days fortnightly and I’m pa…

OpenAI Secretly Funded Benchmarking Dataset Linked To o3 Model via @sejournal, @martinibuster OpenAI secretly funded and had access to a benchmarking dataset on which its new o3 AI reasoning model scored highly The post OpenAI Secretly Funded Benchmarking Dataset Linked To o3 Model appeared first on Search Engine Journal.

FTC: GoDaddy Hosting Was “Blind” To Security Threats via @sejournal, @martinibuster FTC settlement proposal alleges that GoDaddy hosting was “blind” to security threats which compromised its customers The post FTC: GoDaddy Hosting Was “Blind” To Security Threats appeared first on Search Engine Journal.

Website Migration SEO Best Practices To Preserve Rankings And Avoid Common Pitfalls via @sejournal, @AdamHeitzman Discover the top 16 best practices for a successful website migration. Avoid SEO performance issues and maximize the benefits of your site changes. The post Website Migration SEO Best Practices To Preserve Rankings And Avoid Common Pitfalls appeared first on Search Engine Journal.

Do I continue to stockpile cash? I’ve (23M) had quite a rocky road getting to this point in my life and I know I’m doing pretty good, but trying to figure out the next step. I recently earned a masters in business, and used my salary (70k) to pay it off. I am fortunate enough to have a great relationship with my parents, still live at home. No rent, no expenses (besides gas), n…

Delayed medical bills Friday we received two medical bills for $800. They were from 2021 and 2022. I did some quick research and it appears in my state this is well within the statute of limitations and I am on the hook. While I can technically afford these, am I likely to negotiate a payment plan to slow pay them just out of principle? I’m pissed that they waited ye…