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Would it be a bad idea for me to do a 0% interest loan for an expensive item if I have the cash in hand to pay it off?

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Would it be a bad idea for me to do a 0% interest loan for an expensive item if I have the cash in hand to pay it off? I’m looking at buying an expensive treadmill and while I have the cash to buy it outright, I was thinking I could potentially do the 0% interest loan option they have on Amazon. Would this be a bad idea? I’m seeing it as a credit building opportunity. I’m not worried about nonpayment because the funds are more than available to pay for it s…

Reddit Personal Finance 939 2025-01-26

LPT: If your shoes smell bad, stuff them with dryer sheets or tea bags overnight—it’s a total lifesaver

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LPT: If your shoes smell bad, stuff them with dryer sheets or tea bags overnight—it’s a total lifesaver So I learned this hack after one too many “uh, what’s that smell?” moments with my sneakers. If your shoes are starting to smell funky , just pop a couple of dryer sheets or tea bags inside and let them sit overnight. Dryer sheets make them smell fresh AF, and tea bags actually absorb the moisture and odors. Like, it’s so simple but works every …

Life Pro Tips 1.0k 2025-01-24

Moving Money Out Of A Teacher’s Bad 403(b)?

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Moving Money Out Of A Teacher’s Bad 403(b)? My wife is a teacher who, when she first started teaching in her district 11 years ago, opened up a bad 403(b) with Edward Jones with very high annual fees. About 5 years ago, I helped her stop contributions to the account and shifted all of her future contributions to her 457 account through the state of Michigan which has amazing tax incentive…

Reddit Personal Finance 961 2025-01-22

Is it a bad idea to get a 401k loan to buy property abroad (in EU)?

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Is it a bad idea to get a 401k loan to buy property abroad (in EU)? Is it a bad idea to get a 401k loan to buy property abroad (in EU)? I’m considering getting a loan from my 401k to use it as down payment to buy property in a EU country I know well and rent it out. Bad idea? I think I can get more than 15% annually (better than my 401k returns). submitted by /u/pmac881

Reddit Personal Finance 880 2025-01-20

Is it a bad idea to go back to Japan again if I’ve only been to one other country?

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Is it a bad idea to go back to Japan again if I’ve only been to one other country? I (F19) just got back from Japan and I LOVED it. I already want to go back. The food, architecture, vibes, cleanliness, everything was so cool, and there’s a lot of other places I still want to explore there. This time, I would love to come back and explore the smaller/remote cities in Japan, go to Hiroshima museum, and visit some of the summer …

Reddit Travel 382 2025-01-20

Known as a .ca shop – thinking of converting to .com, but slightly different because domain is taken – bad move?

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Known as a .ca shop – thinking of converting to .com, but slightly different because domain is taken – bad move? So i have popular .ca shop for a niche, lets say toasters. We are known as the Canada retail place for toasters. We’ve grown and i’ve expanded to other niches, lets say airfryers and our customers for this niche has expanded to Canada and US, so we’re a North American shop for air fryers. Unfortunately I cant simply buy the .com domain because …

Reddit ecommerce 1.1k 2025-01-16

There is this type of music that’s often used for Breaking Bad and I love it. Can someone help find out what type of music is this ? Scenes below

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There is this type of music that’s often used for Breaking Bad and I love it. Can someone help find out what type of music is this ? Scenes below Walter punches towel dispenser : https://youtu.be/O7lt-l_9FF8?si=bHb13JqVpN7bNoc8 Walter and Sky visit their future house : https://youtu.be/SzeluRrHxJE?si=GMS1E3HZEbNigA9s Also if you find the song in the first scene I would love to know the title. submitted by /u/roronoaclemz

Reddit Music 1.2k 2025-01-15

Is buying a new car a really bad idea?

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Is buying a new car a really bad idea? I make 80k pre tax. My month paycheck is $4800 after 401k, HSA and health insurance. Additionally I can afford to save $2000 out of the $4800. But I’m planning to not have the minimum car payment for more than $500/month. I am planning to keep this car for 10 years at least. Car insurance will be $1400 per year for this new car. I’m also moving …

Reddit Personal Finance 971 2025-01-15