What’s worse? High interest personal loan or high credit utilization due to personal loan balance transfer? Can I transfer a personal loan (with super high interest) to a 0% balance transfer credit card that is a longstanding card (so no new credit dings) BUT it will utilize 90% of the card (pretty much max it out AND will tear up my utilization percentage. What’s the risk vs ratio here? It’s a large transfer and the card accepting it will allow it bu…

What are your personal steps when building your ecommerce? Okay… There are a lot of different things to spend our energy on, especially when we are just starting a new ecommerce. So the discussion thrives from this perspective. Since our energy and time is limited, and we can’t solve 2+ challenges at the same time and space, what are your personal steps when building a new ecommerce? For example, we c…

How to promote personal portfolio website? I have been uploading to Unsplash for about a year and have almost 2M views on my photos. The idea is that it will help direct users to my portfolio site, where I can eventually advertise for work / use to promote myself. I am trying to decide whether I should be uploading my photos to multiple websites in addition to Unsplash (such as Flickr, 5…

Personal bag My airline is very strict with carry on luggage but I’m struggling yo find a backpack that matches the dimensions I’m allowed. I get to bring 1 personal bag x4kg 40cm x 30cm x 10cm Does anyone have any suggestions 🤔 Thinnest I’ve found is 13cm submitted by /u/DestinationBon

What’s your travel philosophy and why do you travel? Some personal thoughts after moving abroad Wanted to share a bit of reflection as somebody who splits their time between two countries and travels from each to all the others, and see if anybody can relate or share other interesting perspective? I always love the reflection that comes at the most unexpected times during and after a trip. My answer to my own question: Travel has always b…

What show aged the worse for you in terms of personal entertainment? Most shows I’ve watched over the years are still entertaining to me. Friends, Seinfeld, It’s Always Sunny in Philadelphia but for whatever reason I find How I Met Your Mother almost unbearable to watch. I find most of the jokes not funny which makes the laugh track that much worse. But I remember enjoying it quite a bit when it was airing. What …

Where to turn for Real World Personal Finance Guidance? I’m very lucky to have progressed as I have in my career. I’m in my mid 40s, married, two kids (16 and 14) and have a pretty solid salary ($295K). I max out my 401K and IRA through my employer, although I’m panicking about how much I should have squirreled away already. I also receive small stock equity grants annually and have been putting some…

Personal growth hacks that actually work? Hi there! I’m looking for practical ways to improve my approach to personal and professional growth. Do you have any tips or tricks that have worked for you? For example, tools, planning methods, or approaches that had a significant impact on your life? LPT submitted by /u/NHOMMART

Moving out personal finances I’m looking to move out sometime soon, I’ve been looking at rentals, rent to owns and a few mobile homes that look relatively affordable. But I don’t know the first thing about any of this. Where do I start? Im mostly concerned about money, I don’t want to have to live paycheck to paycheck. I live in the Youngstown area of Ohio and am planning o…

Personal Budgeting Advice I’m a 23 year old man working my first job after finishing my masters in electrical engineering this May. I make about $125,000 before taxes and benefit deductions and live in Albuquerque, NM. I pay $1500/month for rent and $300 for utilities + mandatory apartment complex amenities and upkeep fees. I also have a car loan as I got a car in August…

Should I take out a personal loan? I have about 9k in credit card debt from some financial problems last year. Each credit card has 29.9% apr which I recently discovered is not the norm. I was wondering if it would be better to take out a personal loan and just put in an extra $100-200 each month to pay down the principal. One of the better loan offers I have is for $10k with $33…

MyNoise Is a Personal Soundtrack Generator I am now accompanied by a trumpet fanfare wherever I go.

Top Personal Finance Tracking App Hi y’all! I’m looking for your top finance tracking apps? Not necessarily limited to budget – tracking income and spending, maybe linking several accounts, tracking recurring expenses, maybe tracking net worth, loosely keeping tracking of what stocks I own? Hoping to find one place that does it all! I don’t mind spending some money on it and wou…

Young adult personal finances Hello everyone. I’m currently make 6 figures as a 22 year old that graduated and work in tech now. What should I focus on and do. Want to make sure I maximize and start early I’m doing the basics like going to max out my Roth IRA for the year. I haven’t started my 401k match as I just started about 2 months ago and year is about to be over so I …

What Personal Trainers Can and Can’t Do (and How to Pick the Right One) if you’re new to the gym and feeling clueless, a personal trainer may be a good idea. But first, know what you’re signing up for.

personal loan question While digging out of an unemployment drought (I’m employed now, but being paid much less), I racked up some credit card debt. I have around $6,000 of it and I’m wondering is a personal loan would be a good option? I’ve already done one balance transfer, and tried to apply for another card to do this for the rest of the debt, so I could have 0% i…

What am I doing wrong in personal financial management? I make about $4160 each month after all deductions are taken from my paycheck. I do work a second job but hours are sporadic, so income is pretty variable. Most months I would say I could bring in an additional $200-300 My expenses include: Mortgage: $1980 Utilities/power/wifi: $200 Groceries: $430 Gym: $50 Gas: $120 School: $600 Car insurance: …

I have a personal FB page + business page. How do I delete my personal page and keep the business page? If I try to delete my personal page, it says it will delete my business page as well. Is there a solution to keeping my business page active but deleting my personal Facebook page? submitted by /u/SoFLShelfLove

Why are your own personal guidelines for street photography? Street photography is my favorite genre of photography as both a consumer and a hobbyist, and the thing that drew me into learning how to work a camera. I know street photography is rife with ethical issues related to permission and exploitation, among other things, so I’m wondering what everyone’s personal guidelines are. Where I generally set…

Pet in cabin – does it replace your personal item? I live in Spain and have a small dog that usually flies with me around Europe and to the US. I’ve been doing this for 5 years and usually have a smooth experience. But twice in the past year I’ve run into an issue with gate agents nearly not letting me on a flight due to a disagreement over carry on bag policies. This has been seemingly random, …