$20k CC Debt – Personal Loan or ? I’ve done a personal loan in the past for paying off some accrued debt from a less than fortunate occurrence. I’m looking for other options and opinions on how to go about handling my current $20k CC balance @ a high interest rate. A 36 month personal loan payment would basically be the same monthly payment as my monthly interest. What are my …

How to Invest and Build Wealth with 20k? I’m seeking advice on how to effectively manage my finances to build wealth from my current starting point. Here’s a breakdown of my situation: I’m a 27-year-old single man living by myself and working in Switzerland. I have 20,000 CHF in my savings account and can save around 2500 CHF each month. I’m looking to allocate my funds in percentages …

People with 20K plus in website traffic, what’s responsible for most of your conversions? What part of your funnel is responsible for creating the most leads? Trying to figure out how SignalZen stacks up. Sidebar on Blog posts? Lead magnet (including free-trials) on the homepage? Exit popup? Add to cart? Website chat widget like SignalZen or others? Other? submitted by /u/kristijonasu

$20K pay raise but minimal PTO So I’m thinking about accepting a new job that is a $20K pay raise (from $80K to $100K). However, there’s only 2 weeks of PTO and 1 week of sick leave. I currently get 4 weeks of PTO and sick leave is an accrual of 4 hours per pay period. Just looking for thoughts! Thank you! submitted by /u/No-Garlic1241

Do I do max contributions with debt? New job, 20k debt, 401k Roth Im not sure how to budget with my new job. Im paid 80k a year. My rent in LA is $1400 for a small 3 bedroom townhouse (owner has some govt job living somewhere else so its a sweet deal). I have 5 kids. My wife doesnt work. I pay about $2900 on other expenses (food, gas, insurance, etc). My take home is $5000 a month. But i have about 20k in cre…

Should I sell my $20k investment portfolio & pay 0% tax liability? My wife & I are looking to purchase a home in the spring of 2024. I recently bought a new (used) car for about $14k which took a bite into our down payment/closing costs budget. It was an unexpected purchase and I really didn’t wanna buy a beater so decided to get something nice and reliable. Anyway, that doesn’t matter. Our 2023 taxable income…

20k+ Instagram profile keeps growing with no posting. What to do? Hi all, this is a bit of a strange one. ​ I started an IG page in a home-based hobby niche 3 years ago, mostly sharing other people’s posts on the topic. I haven’t posted regularly in two whole years, but the page followers has kept growing and engagement on existing posts is steady. The follower count is now over 20,000. From what I can discer…

Pay off 20k of student loans in one payment? So currently I have about 20k of student loans left and moved back home to save money. I’m working a contract role that ends at the end of January. So I’ll still have some income coming in but nothing stable. I have about 43k in savings and could pay off my loans. But as this job is not a long term stable solution, I’m not sure if its the best …

Razer Viper 8-Button 20K DPI RGB Optical Gaming Mouse (ESL Edition) $37 + Free Shipping Amazon has *Razer Viper 8-Button 20K DPI RGB Optical Gaming Mouse (*ESL Edition, ‎‎RZ01-03580200-R3M1) on sale for *$36.99*. *Shipping is free*. Thanks to Deal Editor *johnny_miller* for finding…

I have about 20K in debt. All no interest. Want to apply for a new credit card. Should I pay off debt before applying or not? I have a few debts across a few cards totaling to about 20K (about 30% utilization). It’s all no interest debt and I have the money to pay it all off but I feel the money would be better put in the s&p or high yield savings. I feel that’s the obvious choice but the thing is I want to apply to for a few credit cards (Altitude Reserve, BILT). Sho…

Does mortgage company owe me $20k after pay off? Sold home two weeks ago. Received letter today from mortgage company stating mortgage paid off and nothing further I need to do. The final payment amount listed on that letter is $20k less than the amount listed in the payoff quote (as well as documents signed at closing). Mortgage was through Mr. Cooper. Their entire system is shut down right n…

Just acquired the equivalent of 20K USD but my country is in shambles Hi! I’m from Colombia and I recently acquired the equivalent of 20K USD in my country’s currency through selling a house my family owned that was squatted on for a couple of years by some unsavory individuals. Thing is… inflation here is nuts (~15%) and it’s probably going to keep going up for the next 3 years. Due to this interest rates are thr…

What to do with $20k? I inherited $20k and I have no idea what to do with the money. I am disabled/unemployed. I had a few grand in savings to start with, and receive a pension. I live in my own home and can afford to pay the bills. I need/want a few things like: new phone, PC, PS5, new clothes, laser hair removal, dog door. So maybe… $5k worth of goodies? But wha…

International Student with $20k in savings Hey!! I am a grad student who has saved upt $20k in my savings account. I earn about $2k a month and save 50-60% of it. I have no liabailties(no loans and no tution) and I have no idea what to do with this money. I am 21 and live in wisconsin but my nationality is indian. Any advice on what to do with money? I am pretty sure I have some visa res…

My car has had endless issues since I financed it two years ago, it’s only worth 14k and I still owe 20k. Now I have another 5k in repairs, is it even worth dumping more $ into it? I got my car via car max because I was in a pinch and needed a car asap after totaling my previous one. Every single year I’ve owned it I’ve had about 5k in repairs and I’m reaching a point that I can’t afford so many pricey repairs each year, and I just want to swap it out with a better car (and never go through car max again). I have a Subaru …

I’m an idiot, but I have hope. Nearly $20K credit card debt across 2 maxed out cards, how do I pay it off? Salary: $42K/year (net about $32K). Also about to take on a job that makes $11K/year more, and with a pension. Morgage payment + property tax + HOA fee: $1395/mo (in HCOL area) Home internet + cell phone: $50/mo Electric: $60 last month, but can be a lot more during the winter months cause of electric heat. Car payment: $238/mo (for 38 more mont…

My FB and IG accounts (both over 20k followers) have been compromised. Both are sending “I need money, please help” messages to people on both pages. What do I do? I have 2FA switched on and I never click on phishing emails etc So I have no idea how this happened I still have control over the pages I didn’t get any emails from FB saying they’ve detected unusual activity etc What’s my next step? Change out passwords? PS: if FB ask me to prove it’s me etc with government ID I’m screwed My business n…

23 with ~20k in CC debt Hi Reddit. So I’m here for any advice I’m 23 from nyc and recently got into some heavy cc debit. Long story short, losing my job and mental health really took its toll on me. I was out of work for 7 months from Oct-April 2023. During those 7 months I was charging everything to credit cards. I had just moved during the summer so I was already low…

Should I pay off 20k of car loan or save up ? As the title says, I currently have a auto loan of approx 20k usd, should I pay this off and lower the debt/income ratio or should I just save up. The loan has a 7.75 percent interest rate and 4 years are left to pay off Any advice would be appreciated. submitted by /u/A-Sh-

I have 20k in debt I talked to a personal lawyer who does bankruptcy and he said id lose my house if I filed bankruptcy, I make 1800 usd after takes house is paid off What do I do im struggling idk if can get a heloc on my house since my credits not great I make good money around here other thrn factory submitted by /u/chris_s9181