5.5k credit card debt I make 1k weekly I have 5.5k in credit card debt spending got a bit out of control last year I’m single make one thousand dollars a week I take extra shifts at work. I have a 445 car payment and 450 in bills a month so 945 in fixed expenses. I want to save money as well because I’m planning on moving out with my friends in May. What should my approach be pay off…

How much rent is reasonable? I’m looking to move and make about $3500 a month after taxes. My gross salary is $56000. I’m looking at 2 1-bedroom apartments. One is about 1,100 + utilities and the other is more like 1,200 + utilities but nicer, with slightly better reviews. Should I go for the more expensive one? I think I can afford it because I don’t have many personal exp…

Second hand car discount We all hear the ‘buy second hand” advice. But the second hand market is a bit crazy in my country (non usa). So I wanted to gather some opinions. Important: A car is needed yes or yes (due to my work and family requirements) (1 is needed, not 2) it will be bought in cash. I am reviewing the 10 cheapest Cars in the market. When buying 5y old ca…

Discover notified me of my SSN being found on a dark website. I saw a post on Reddit in this page just now about a similar issue but mine is every specific. The story goes that I realized that SSN notifications is a thing with discover. I sign up for it and well what do you know, 2 alerts within the year of 2024 entirely unbeknownst to me. One of the notifications exclaimed a name of a person, their last n…

18 years old, 36k yearly income, full time college student, what can I do to make more? I currently work 2 jobs and my biweekly pay ranges from $1,200 to $1,700. I’m a server and a busser at two restaurants and work 25 hours a week. I’m wondering if I should quit one of my jobs to focus on school, or quit both and try to find a higher paying one. I live with my parents so I have no bills or any debt. I also am looking to move out s…

Lots of cc debt (10k), 30k in student loan debt, 6k left on car payment, rent is 1400 a month, 4k USD a month (net) income. I’m trying to get a hold of my finances. I got a job making 72k a year in California, but I have no savings. It’s getting scary.. I wanted to ask my parents to loan me 10k to pay off my cc debt and owe them instead so I’m not hit with interest. All of my 0 apr intros have expired so I’m paying so much on interest.. ie 120 payment and 90 is added…

10k in cc debt. 0% intro apr for all my cards are over. Score is 680. 500 in payments per month but 400+ is added back in interest. What’s my best option? I have debt from 2018 when I was in college, where I just opened up cards for dumb reasons and only paid the minimum, balance transfer after balance transfer. I recently started a 72k USD a year job and I make payments monthly but the interest is crazy. I recently tried opening up another Cc from nerd wallet and I got rejected (I think it requir…

Is buying anything with a debit card just dumb? Are ccs just advantageous in every way? Is it dumb not to get cash back on your credit card? Also, easier to dispute charges, etc. I’ve been using my debit card my whole life.. I’m so stupid. Im going to take a financial literacy class or go back for an associates in finance or something. I’m too old to not know shit like this. Even filing taxes, I know I’m not maximizing my profits o…

I can’t keep up with my peers, single, Should I start investing? I’m 32 and I really want more disposable income! Some of my friends are traveling internationally multiple times a year, but they are also dual income. Pretty all of them own homes, one got help from his parents though. I don’t have a partner in sight and I’m going better than my family so here’s my specs: Full-time job: $95k Business: Made 2…

How should I be thinking about earthquake insurance? (USA) I live in the Pacific Northwest, in an area at moderate to severe risk of damage in the event of a Cascadia Subduction Zone slip. My mortgage lender doesn’t require earthquake insurance, but obviously I don’t want to be financially ruined if The Big One hits and knocks my home down or off its foundation (I plan to get a retrofit done when I’m ab…

18 year old with no clue about money or how to save Never really had much personal money growing up and I knew how to ration when I needed to. Fast forward to now , im 18 years old, a university student who gets student funding and is due to start working this month and Ive realised I have no clue about how to save or about Isa accounts etc and im so embarrassed I have zero in savings as I spent…

I suck at money and need to learn I’ve got CC debt and student loans, altogether about $60,300. I’m awful and so so dumb when it comes to money and this year will be the year I finally take the reins on my finances. I know I need to start budgeting first of all. I’m so overwhelmed by all the jargon and what not and don’t know where to begin. Where do I start? Which books/website…

My 54 year old dad has 0$ saved for retirement Yeah, so my dad drives for Uber full time. He did a great job saving for college for me and my brother, but he has little savings for his retirement and no investments. Should I have him open a Roth ira and advise him to invest aggressively in the S&P 500? I don’t want him to keep working for the rest of his life. Any advice would be greatly app…

Fraud Accusation…From ME? Has anyone ever heard of this before? I recently went to pay at a restaurant using my Apple Pay and my Wells Fargo card was suddenly gone from my Apple Pay. I paid with cash, tried to add my card back onto my account and it said unavailable. I then called Wells Fargo, where they stated that I had called a few days ago, reported fraud on my accou…

what should my next goal be? hi all! i’m 22 and have just hit my goal for getting my emergency savings in my HYSA to 10k and am wondering what i should do next. currently, i’m putting 5% of my paycheck into my 401k which my job matches to get a total of 10%. i also have a personal ROTH IRA that i put $25 into every month and my parents match me, putting in a total of $50 a …

Best way to get out of my debt Hello everyone, male 21 years old, I’m stuck on how I should go about getting rid of my debt. It may not be as high as others but to me it feels like it’s over. I bought my first car April of 2023 and paid it $14k in cash and I was left with empty pockets and resulted to using credit cards for a bit and making bad decisions. I have a Chase sapph…

Should I buy a house if am leaving Canada in 8 years? I am planning to move back to my home country in about 8 years. I am in a position to buy a small house, but am contemplating if I should do that or not. Should I consider it as an investment till am here or should I use this money to invest elsewhere? submitted by /u/HakunaMatata_lol

Credit report help please tia Hi, I’m unsure how to go about this but my credit report showed I had 3 unauthorized inquiry, soft and hard inquiry per experian saying…I read some post to just freeze my account and check constantly and to not dispute it?? I’m confused what to do here …. I’m scared of a loan can be possibly taken out 🥲 pls help.. submitted by /u/Large_P…

I ordered an item worth $2K, but it was never delivered. The seller refused to refund, the chargeback had to be reopened. Any advice? I ordered an expensive item ($2K) from a well-known merchant located in Canada. The package never arrived, and I contacted the merchant like 20 times, but they were giving me the runaround and in the end, they just told me that I should deal with UPS and that they wouldn’t refund me. For one thing, I’m not the client of UPS – the merchant is. Fo…

Letter from debt collector for around $7800 in debt Hi everyone! I was recently sent a letter in the mail from Northstar Location Services attempting to collect a payment of $3700 for the original $7800 debt from discover. They gave me until the end of December to pay, but due to being in a very rough financial situation I can’t afford to pay that. Any advice for a situation like this? I don’t kn…