Considering taking on a Heloc to consolidate debt…..seeking advice I do believe I could slowly dig us out of this situation but, we’re considering accessing our homes equity to consolidate our debt into one place at a significantly decreased rate. We have been chipping away at our debt with the Ramsey method for a little over a year. No new purchases and no new credit lines. We have no intention to ever go int…

Trying to Get Back on Track After Financial Missteps – Need Advice on Debt Consolidation Hi everyone, I’m a 27-year-old woman earning ₹75,000 per month with a side gig that brings in an extra ₹15,000-20,000. I’m trying to get my finances back on track after making some decisions I regret, but it’s complicated by my family situation. Here’s the full picture: Monthly Expenses: * Rent: ₹22,000 * Supporting Parents (no income): ₹20,000 …

Thinking of trying photography as a hobby—need advice on DSLR vs. sticking with a phone? Hey! So I’ve been wanting to dip my toes into photography as a casual hobby. I was thinking of buying a DSLR to get that real “camera” experience, but when I talked to some friends, they suggested just sticking with a good phone camera first, like a flagship one, to see if I actually enjoy it. They brought up the typical story of people buying a…

Advice On Starting Out Hi! Working with my local city businesses and their social media . A few of them have asked if I would work with them as a side gig. My city director is totally fine with this. Question is what is a going price range? For a video per week/posts? submitted by /u/PhilosopherOk8858

Can anyone give me advice? I took this picture few days ago and I decided to edit it a bit, I would consider myself new to lightroom and even photography so I would be really happy If you reviewed how I did here and what could have I done differently. If you have some advices on camera settings too, feel free to include them. This was shot with nikon d40; 1600iso; 38mm se…

Advice Needed: Best Way to Travel Denmark by Train & Bus Hey r/travel! I’m planning a trip around Denmark and want to get around by train and bus. I’ll be traveling from Copenhagen to Odense, then to Billund, Aalborg, and finally to Aarhus. I’m hoping someone here could share advice on routes, prices, and any tips on booking as I can’t find much about this topic online! Specifically: What’s the best…

Friend drowning in debt, asking me for financial advice I sat down with him and tried to make sense of his current situation. Here’s what I know: Relevant personal details about him: * 24M full-time graduate student with 1 part-time job * Recently and unexpectedly had to start paying his own tuition * Used his credit card to pay off said tuition, putting him thousands in CC debt and inflating his min…

advice for how much I should be spending on rent Hello everyone. I am immigrant in New York City who has a part time job to pay for basically everything and on the other hand also going to college part time. I make around $2400 minimum a month after tax and it is higher most of the time but I’d like to think of it as the standard in case the restaurant doesn’t make good sales. I met a European…

Looking for advice about a small scale store Hello all, I’m looking for advice on how to proceed selling a tee shirt that has some pretty good traction. I screen print and mail this shirt currently which is available through Etsy. So far I’ve sold about 50 at about $25 a piece. The shirt is geared towards a particular sports team (no copyright issues) and it’s only one design printed on ei…

Hello everyone – need a bit of advice regarding debt. So I’ve finally reached a point where I am capable of fully paying down all of my credit card debt if I want to and would still maintain a decent cushion of savings. The question is… should I? My credit is “excellent” (latest score

23yo in desperate need of financial advice. I am a single 23 year old living in Upstate, NY. I have my rent ($600) paid off until January, but I am currently unemployed looking for work. I’ve been managing to keep myself afloat via side hustles and an under the table gig on the weekends. This is my first time having my own place (I’ve been couch surfing/homeless for the past two years) an…

Buying First Car – Seeking Advice Hi, I’m a 20-year-old female college student looking to buy my first car. For the past year, I’ve driven my cousin‘s car while he’s been away. The deal has been that he pays off the car while I pay for insurance (we’re both on his policy). Insurance is about $470/m and gas is about $30/m, so I pay about $500 monthly. Commute is about 4 miles a d…

Seeking advice on how to go about buying my first home in Melbourne Australia I am 27 single and currently have an emergency fund of $15k. My savings are currently at 60k in ubank I also have 10k currently in my main account. I’m saving up for a house but it really doesn’t seem like I’ll ever be able to afford it. I currently earn about 4400/month When I checked online about my borrowing power it said I could borrow aroun…

Updated my shoe photography setup, thanks to your advice! How’s my new setup(and results)? Hey again everyone! Here is the link to the previous post if you wanna catch up : First time getting paid, how’s my setup(and results)? Thank you all again for all the advice, feedback and wisdom you shared. I tired another setup and experimented with your advice. After fiddling with where to place the light and the diffusion, trying different d…

Moving to USA for a job opportunity – budgeting advice 25M moving to USA for work. Monthly NET income will be $7200 which doesn’t include any 401k contributions. I will be living alone with no other financial commitments or debt. I am looking for advice regarding 401k contributions, IRAs, other investment options. I have $18000 cash of which I want to use as down payment on an apartment and a vehicl…

Seeking Advice on Improving My Dog Photography with Canon EOS R100, can I improve sharpness ? how? https://preview.redd.it/hvh2tg0q6yyd1.jpg?width=1365&format=pjpg&auto=webp&s=0fa9864f414967c7d4b881585800072ac8e5bd8c Hi everyone! I recently got a Canon EOS R100 with a kit lens and took this photo of my dog while we were at the park on a sunny day. I shot it in manual mode, controlling everything except for the ISO, which the camera automatica…

Advice on Finding Influencer Management Support in Canada/GTA? Wanted to see if anyone has experience working with successful management companies for influencers in Canada/GTA? Specifically looking for teams/companies that have relationships built with fashion, lifestyle, wellness brands and anything in that sphere. I need suggestions/recommendations of management teams who also work with macro-influencer…

Compact, little and sturdy camera advice? Hello! I want to buy a really small camera for Travel and for everyday purpose. It should fit in most pockets. Im traveling to Japan in the near future. I like to go hiking and on long walks with my dog in the forest. I would like to use the camera for 50/50 pictures and short videos. I am not to much into photography, so something very simple w…

India itinerary advice! Hello there! We are looking for some suggestions for our itinerary in India. We essentially have two weeks from when we get to Varanasi to when we fly home from Kolkata. We had been planning to go to Darjeeling – and were planning to get internal flights to save time – but from what I can read, it sounds a bit touristy, and the main reason I wa…

Seeking Advice: Breaking into Investment Banking/Finance as a 3rd-Year AI/ML Student Hey everyone, I’m currently a 3rd-year student majoring in Artificial Intelligence and Machine Learning Engineering, but I’ve realized that my true passion lies in finance, especially areas like investment banking, hedge funds, and asset management. I know it’s a bit of a shift, and my formal background isn’t in finance or accounting, but I’m ea…