Trying to balance open space and coziness – how did I do? submitted by /u/mad1301

LPT: If you’re taking out a loan that’s “0% interest for X months” make sure the monthly payments actually pay off the balance in X months A lot of financial institutions and retailers will offer financing for large purchases like for example, “buy now with a 0% 18-month loan!” Sounds like a great deal right? You fill out the application, make the purchase, get your shiny new thing, and then start making your monthly payments. Easy peasy. 18 months later you think you’re all set, …

What to do with ESOP Balance After Leaving Company I am in my mid-30’s and I have an ESOP with an engineering firm that I used to work for, which I left two years ago for another job. Annually, around this time, I get a letter in the mail, which shows my balance (100% vested) in the account, and it gives me four options: transfer the money to an IRA, roll the assets to my current company’s retir…

Should I do the balance transfer now or wait? Y’all helped me figure out a payment plan for my credit card at the beginning of the year, and I’m so grateful – it’s helped so much! I’ve gotten the balance down, and have opened up some credit for myself. I’m curious if I should start a balance transfer now or wait? Current card balance: $7,100 ($10,000 limit) APR: 21.49% ​ New card limit: $56…

We Want A Worry-Free Car With A Balance Of Power And Payload! What Should We Buy? Jon and his wife share their time between Abu Dhabi and a new home in Charlotte, NC. They are tired of renting cars when they come back to the States and want a comfortable ride, with reasonable power, hauling capacity, and reliability. With a budget of about $25,000, what should they buy? Read more…

Pay off HELOC or Maintain a Small Balance? Hello PersonalFinance! Never been to this subreddit before, but figured I’d pop-in since ya’ll may have the answer to the question I have… So I have a house that doesn’t have a mortgage on it except our HELOC. Long story short, we bought the house in cash, and then took out a $400k HELOC to renovate it. We only used a max of $130k of the line …

Confused about which balance transfer offer would be better for me I currently have 2 balance transfer offers from Citi- The first one is: Promo APR on Balance Transfers: 0% Until: Jul 1, 2024 Variable APR after promo ends: 28.24% Balance Transfer Fee: 3% of each transfer (minimum $5) The second is: Promo APR on Balance Transfers: 0.99% Until: Jan 1, 2025 Variable APR after promo ends: 28.24% Balance Transfer F…

My girlfriend has a terrible work life balance. Is this normal? So my girlfriend is a social media assistant. Today shes had to be at a company event and film content up until around 10pm. Got home 10:45pm and gets a text from her boss that the content must be edited and posted to tiktok that night!? Keep in mind she left for work at 8 in the morning and doesn’t really get a lunch break. Currently she’s asle…

The Best Books to Help You Find Work-Life Balance An easy way to figure out if you have a healthy work-life balance is by asking yourself the question, “If there were a book I wanted to read, would I have time to do it?” OK, that’s a little reductive—and too specific, since maybe what you really want to do is join a recreational softball league, binge a show, or take… Read more…

Should I pay off my student loan balance when the interest starts accumulating again in September? I have a federal student loan balance of $9,700 and savings of around $36,000, so I can afford it. I truly don’t think student loan forgiveness will happen anytime soon and even if it does it sounds like there will be some provision in some form for people who paid off their loans already, so I just don’t see the sense in being shackled to inter…

knowing credit card limit before applying? balance transfer reasons. Applied for a card (Citi simplicity) in order to take advantage of 0% credit card balance transfer offers. I chose one with a very long timeframe…21 months. went through fine but once the application finished, the credit card limit was pitiful. $3000 limit. If i had known that, i wouldn’t have bothered. Is there a way to know what a limit will…

Chase credit card offering me 0% APR promotion on balance transfer… The fine print seems misleading? I have a Chase Freedom Unlimited card — I opened it a couple years ago to receive 0% APR for the first year on a planned, big purchase. I paid off that balance in full before any interested accrued and I have not used the card ever since. Chase has sent me a few offers now for a 0% APR 14-month promotion on a balance transfer for that card, and…

With National Monument Designation, Biden Tries to Balance Electoral Realities The president has highlighted his climate actions as a way to spur domestic energy production and create blue-collar jobs, while nodding to environmental activists and tribal leaders.

Should I stay at my current job that has great work life balance or change to one I’ll make more money at? So, I currently make 65k pre tax and my job is super easy and super chill. I get about 40 days off a year and my coworkers are great and there’s potential to be making 80-90 in 10 years. Also I work 7.5 hours a day with an hour lunch (unpaid) and home at 440 every day (40 min drive) Or Do I go haul livestock. Which I would make 150k take home. R…

401K says Balance is 5K BUT it was sold to another company that says the balance is 1K As the title says, I have a 401K apparently from a job. I wasn’t aware of it. But I got a letter saying the balance is 5.3K And I called them and they told me it was moved to another provider. That provider says the balance is 1K. What the heck is going on? Is there anything I can do here. submitted by /u/Legend-Of-Crybaby

A follow-up on my previous edit, I made the white balance warmer, increased the highlights, and decreased the shadows and contrast. Is this an improvment submitted by /u/bobzilladoesandroid

My credit score is dropping even though I pay my entire balance every month. I basically only have one credit card and that is the Amazon Chase one. I pay for my mortgage out of my checking account, but for everything else, I use the Chase card, utilities, bills, groceries, etc. On average, I rack up between $4-6K each month and I have my balance set to be automatically paid in full. I recently looked at my credit score…

Balance transfer cards So looking at getting a balance transfer card. I currently have about $6,500 in CC debt. Make monthly payments of 400-600 between my 2 cards. First card has a 9.9% interest rate with a balance of 600. I make weekly payments of $50 on this card. My second card has a balance of about $6,000 and make weekly $75 payments plus a monthly $150 payment….

Bitcoin Wobbles, Then Regains Its Balance Above $29.2K; ETH, DOGE, MATIC Fall The largest cryptocurrency ticked down for a couple of hours after a report that the Bank of Japan was mulling a change to its yield curve control policy before regaining ground.

FICO 827; need balance transfer. Open a new 0% /no fee BT Cc or BT to a card with 4% fee? Hi, the title says it all. I have many cards, utilizing maybe 1% of credit at all times but I have some chunky ($10k) charges coming up, due to paying for parents’ retirement vacation etc. I can pay off in a few months but to free up my “I need to pay this off right away” mentality, I was thinking of balance transfer (BT). So I’m thinking should…