Adding iBonds to current rolling T-Bills? As the title asks, is it beneficial for someone 10 years from retirement to buy iBonds every year in addition to having a current rolling 4-week T-bill? These act as my emergency fund/cash allocation. submitted by /u/AloeVitE

Should I have zeroed out my credit cards before getting pre approved for a mortgage? I signed up for pre approval for a few mortgage lenders and one emailed me back asking about my “debts” showing several credit cards with balances and minimum payments next to them. We have excellent credit, high end of 700’s, but we put all our spending on credit cards to reap the rewards. They’re all on autopay and they’re completely paid off …

An Eternity of Student Loans I’ve been dutifully paying off my student loans for the last billion years or so and am looking to get aggressive to get these paid off once and for all. I guess I’m finally coming to terms with the fact that no loan forgiveness is coming my way, lol. If it’s relevant, I make too much money for any other kinds of federal aid or revision in repay…

‘Rebate’ on van finance I got a settlement figure off £6,874.84 for my van that for wrote off. I’ve received my annual statement and it’s says rebate £2,091.95. What dose that rebate mean? submitted by /u/cjweedy123

Not Sure what else to Allocate Money to Hello! I (23F) (24 in March) am not totally sure on how to save / invest / allocate my money and I was looking for some advice! For starters, I have no student loans, no credit card debt, car paid off and I live at home, so groceries and other living expenses are all covered. I am very fortunate and grateful to be in this position and I want to …

Planning sabbatical, unsure about how to adjust paycheck deductions Mid-40s married no kids in a HCOL. No debts other than mortgage. Liquid NW ~400k. I am planning an unpaid sabbatical starting anytime within the next 3-6 months. In other words, I’d be quitting my full time job, and losing the salary of ~$200k. Currently, bi-weekly 401k and HSA deductions are set to a number that reaches the contribution limit b…

what kind of small memorial can i do for a cremation I found out my brother passed on friday, he was someone knew alot of people through his life but only was in contact with a small few the last couple of years. He was in an out of jail a few times and was struggling with a few things. Id like to do try to do a gathering for him but i honestly dont think many would come, i would guess 10 max, his…

Divorcing with $40k credit card debt, what’s the best way to handle this? I’m a female with multiple kids. 40 and divorcing (KY, not a community property state) with $40k credit card debt in my name and a joint mortgage with $50k debt remaining. Currently, he’s ok with me being awarded the house, but wants 50% equity. He does not wish to help with the credit card debt, despite much of it being marital due to job losse…

How does this setup look for a married couple (33 and 34) with a 19 month old? Looking to dial in on our cash. How does this setup look so far? Trying to keep the investments as simple as possible for now. Gross income is about $125k, pulling in about $8300 net per month. What can be added and/or altered? Checking: 1-2 months of expenses * HYSA 1: Has funding for remainder of PSLF payments * HYSA 2: 6-12 months expenses em…

Planning retirement as a 24 yo Not sure if this is the right place to ask but should I look for someone to do my retirement for me? I don’t have any debt, my car is paid off and currently still living with my parents. Im not sure if its better for me to look for someone or if theres any book/videos where i can learn about how to create retirement plan. My job does not offer a…

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…