Is 40-45% of my takehome pay too much to spend for a mortgage? I currently have been living with my parents since finishing college and have been saving up to move out to a condo or townhouse. I make $80,000 a year, and have about 90K saved up for a down payment, closing costs, and potentially a rate buy down. It looks like I can get a decent 2bd 2ba for around 300K-340K, but most HOAs are looking to be aro…

How should I pay someone to teach me to run my Facebook ads? Hi I currently have a business that generates decent revenue and runs it ads through a 3K a month ad agency, and Im wondering how I could pay someone to teach me to run my Meta ads like they do so I don’t have to pay them. submitted by /u/ifdrinkindontkillme

Working seven days a week to pay down debt I am a teacher looking to pay off my debt. I have approximately $80,000 in debt that’s a mix of car loans, personal loans, collections, credit cards, medical debt, private, and public student loan loans. For the federal loans, I asked about the teacher forgiveness program and apparently I don’t qualify as a specials teacher. And Sally Mae is unw…

LPT – If you are changing jobs due to a pay equity issue, be considerate how to respond to a request of your present/past pay structure. You may inadvertently carry forward your pay inequity issue. Candidates are often asked “what is your current salary?” If you’re looking for a new job because you feel underpaid in your current role, it would be a disadvantage to you to answer that question directly. The new company may match that number, or slightly bump it, which may still leave you feeling undervalued. Instead, do your research and be …

Tom Hardy offered to pay crew’s wages on new Guy Ritchie series. “He offered to ,” said the source. “But the production and Paramount have sorted the payment.” submitted by /u/indig0sixalpha

1099 –> W2 transition – is this too big of pay cut? My employer is transitioning me from 1099 to W2. Last year, I made $53,000. The employer is offering $39,000 as a W2 employee. While I understand that W2 pays less than 1099, it seems to me that this amount of pay cut is a bit much. Thoughts? submitted by /u/Low-Computer8293

Should I empty my savings to pay off debt? Long story short, I (27m) got sober at 21 after maxing cards and emptying everything. I have 3 loans. 1 is $4500 that was for my credit cards (loan through credit union) $295 a month. 1 is another consolidation loan ($3600) $163 a month. And another was a stupid personal loan that’s like $120 a month or so for $1500. I have $3,600 in checking…

Pay off truck early? My wife and I are looking to get into a home within the next year, combined we probably make at least 130k a year, my truck payment is my biggest at $600 a month after my rent. I owe 13k on my truck and my interest rate is 8.34%. I have the feeling that paying off the truck now will help me put that money towards a mortgage. But am feeling hesi…

Would it be stupid to stop ALL retirement savings to pay my house off in 5 years? I ran an online calculator and if I pay an extra $2,000 per month on my mortgage, I could have my house paid off in 4 years and 7 months. It would save me $136,000 in interest. To do so, I would have to stop all contributions to all of my other savings accounts as I currently save $2k/month. I have about $100k in retirement accounts and a 6-mon…

In debt, not sure if I can pay it off I’m stupid and managed to get myself in 2.4k worth of debt at the age of 21 and have no idea how to get out of it. I earn about £800 a month depending on my shift patterns. All of these are to be paid within a year. Please help me organize this chaos. credit card: £400 Argos credit: £1258.99 Very: £355.40 Klarna: £606.94 (£400 is being paid this…

You Should Probably Pay for AppleCare+ A little extra money upfront can save you big down the line.

Should I pay off my truck? My wife and I just bought a house and after everything was said and done, we still have about 65k left in stock (35k) HYS (10K) and checking (20k). I want to put about 70% of the checking back into the HYS after we make some repairs and do some painting but I was also considering paying off my truck. I have about 16k left and pay about 330$ a mo…

Pay off car vs investing. Bought a 2019 Nissan Sentra 3 years ago when I was dead broke but my other car died. Refinanced it and now owe 9k with a 4.5% interest rate. Monthly payment is $218. This past year I’ve been putting $1500 towards retirement accounts and a joint account for a rental property. Question is should I just hold off on everything but the ira and aggres…

Any suggestions on how to pay for college/save up? Hi all, I’m a 22-year-old undergraduate in Arizona. Right now I’m a junior so I have about 2 semesters and one extra class left for my degree. I had enough savings to barely cover tuition for both of those semesters. However, just recently I got into a car crash and had to use the money for my last semester. I just paid my next semester (Spring …

Can we pay through invoice? I don’t get this. First time I’ve ever come across this, I’m still learning to run this whole thing but don’t you need to deposit first and then you’d get an invoice?? Usually when they ask, I send them an invoice but it’s only for record keeping purposes. When they deposit or complete a balance, they still get the invoice but that legitimizes t…

You Can Now Pay $200 a Month for a ‘Reasoning’ ChatGPT OpenAI o1 is finally out of preview.

Debt Pay down Strategy I currently have around 38K in credit card debt, that I am focused on paying down. One of the cards that I currently have was a balance transfer that I used to combine some debt already. I am looking to more aggressively pay down this debt as I want to buy a home in the next few years and currently use the debt snowball method. I’m wondering if…

Should we pay off the house ? We bought our second home in 2022 and we’d be able to pay it off sometime in the next 3-6 months. Our rate is 5.35% on a 15 yr loan. I’d only pay it off if we had $100K cash leftover as a safety net. We’d turned this house into a rental like we did with out first. We do plan on buying one more house and we’d like to do that by the time our son s…

any supporting document is required to pay self-employment tax? Assume: * self employed throughout 2024 * some income is paid in cash, that is to say: no document, e.g., 1099k, to show/prove this income. Question: For those cash income, do I need any supporting document to pay self-employment tax? submitted by /u/wasabi-rich

Pay off sold sprint collection? Long story short. Was bad on drugs in my youth. Had a lot of stuff from that time get reported and eventually sold off. It’s now 9yrs later I’m in a better place and I’m trying to take responsibility of the stuff I’ve done. Now here’s the kicker. Some things on my credit I paid off because it was relatively new like within the last 3-4yrs. My qu…