Saving on overnight shipping Our business has a lower volume this year which tripped our negotiated ups rates. A one pound branded pak went from costing us in the 20-30$ range to 60 now. Fedex is slightly better but still higher than our last year rates..do you use any aggregator or a service that taps you into better overnight rates w any carrier? Fedex has a great one rat…

How to start saving for retirement at 45 My husband and I are in our mid 40s and we have one child. Due to considerable health issues prior to having our child we have little savings (10k) and no retirement. All of that being said, my health is stable and we would like to catch up on our savings for retirement.My husband’s income is 150,000. We have no work benefits because he works fo…

Saving from a young age. Does anybody else wish they started investing/saving money with there first job as a teenager. I reflect back and realized if I saved alittle here and there I would have wayyy more in my Roth 10-20 years later. submitted by /u/Beneficial_Union1625

Ways to start Saving Hello, I am in Germany since three years and working with income of 88K annually. I have been trying to create a plan for saving but that is not working correctly and my cash outflows recently has been more due to not having any saving account or investment planing? I need an advice on how to save money, should I Save in Sparplan in ETF, invest …

Saving for new apartment Hi, so idk if this belongs here, but I figured I’d ask. I live with roommates atm, but I want to move out and get my own place within the next year or so. Where I live, the average price of a 1BR 1BA is around $2k/month. I’ve been caught off guard in the past with financial surprises and that was a shitshow I don’t want to repeat. How much shou…

Saving for down payment I have about $30k that I don’t know what to do with and my girlfriend and I are planning on buying a house in the next 3-5 years. Should I put it into my hysa making about 4% or my acorns investing account? submitted by /u/lukiepooo

I’m 25 and just started saving Just as the title says, I’m 25 and just recently started saving towards my future. I hate that I’m so far behind (life circumstances made it very difficult to save—too long of a story to post), but now is better than never and I’m determined to catch up the best I can. I’m extremely illiterate in regards to finances and I’m a bit overwhelmed wit…

Saving for a house or retirement? Hi guys! I’m somewhat new to saving my finances, but I’m in a tricky situation regarding how I should be distributing my wealth. I’m in my mid-twenties and I’ve been told by two different sources that I should buy a house as soon as possible so I can stop “throwing away money from renting”, or I should start putting away savings in a Roth IRA fo…

Saving and financial tips for someone with ADHD I have struggled most my life with money, from low paying jobs and cheap cars constantly breaking down when I was younger to real poor impulsivity control now that I am actually making more money than I ever dreamed I would. (still not a lot in the grand scheme of things. I went to school late and just started a career in IT a few years ago, now…

I am obsessively saving money. I (25M) am currently working in tech. I spend about 30% of my income on rent (it’s work from home, therefore decided to go all in on my dream 1BHK) and maybe 10% on food and groceries, and some OTT subscriptions. My apartment has a gym as well, so don’t really have to pay for memberships. The rest I am just transfer everything to my HYSA and put…

How to start saving and should I? I just turned 24 and I currently have no savings, but have debt. I don’t want to go too hard on myself as a year ago my debt was much, much worse and I’ve probably paid off about 20k+ in debt so far this year. Here is where I am at: I currently have about 11k in cash, 3k in my main checking where all my rent and bills get paid out of, and 8k in …

Where to keep saving? Hello all I’m 21 and just hit 10k In savings, as of now I’m just keeping it in a regular savings account but wondering if there’s a better place I could be saving it and accruing interest. However I’d like to move out in roughly 8 months to a year so I would have to be able to withdraw whenever. Thank you submitted by /u/Ok_Professional8…

Stellantis Needs Saving From Itself Good morning! It’s Monday, November 4, 2024, and this is The Morning Shift, your daily roundup of the top automotive headlines from around the world, in one place. Here are the important stories you need to know. Read more…

Saving or pay off my car? Greetings Reddit, So I’m getting 28k in back pay for disability. I have about 5.3k left on my car loan. I have enough in my savings for an emergency fund. I invest weekly. My car loan is 2.54% while my savings account is currently 4.50%. What do you think I should do? submitted by /u/GageTheDemigod

Saving in other currencies Hello, I’m 23M from Nigeria. Currently, my country is going through very high inflation. I save in dollars but it’s becoming too expensive and draining my financial ability. Are there other currencies that offer stability but are cheaper. Are there virtual routes to accessing these currencies. submitted by /u/urbanconqueror

Should I be saving more? I am working on evaluating my retirement and if I need to make any changes. 36 years old. Army Vet of 16 years. Did not hit retirement but receive approximately $2400 a month from the VA for service related injuries. Worked for the national guard as a technician but was forced into retirement from the injures stated above. I was given a pensio…

Saving for a down payment on a house I am saving for a big down-payment on a house. About $30000 and looking to buy it in 5 years give or take a year. Should I park it all in high yield savings, Cds, some short term ETFs, or a mix of all three. I can get 5% on a savings account, maybe 5.3% on laddering CDs, and I don’t know if an ETF would be worth it for just 5 years. I’m looking …

Snapchat having issues with saving data? I was talking to this girl id talked to over a year we sent each other pictures & other stuff good vibes, but nothing serious. Anyway i was talking to her, and something weird happened, i was immediately booted out of the conversation and unable to talk to her. This was mid conversation we were both talking, compliments were given. Like imagine …

When to stop saving, start spending? (28 YO) As the title is asking, when can I let myself go and start spending? I did try Googling to help guide me in a direction, but most results were the reverse (how to stop spending, start saving) I am debt free, rent free (besides utilities), maxing out 401k, Roth IRA, and HSA. I’ve recently just saved enough for my half of a 20% down payment of th…

I’m saving for a house, what should I do with my paychecks? I’m planning on buying a house towards the end of the year, with my paychecks I get 2 times a month should I put those into a savings account or try to put them into a stock like SPY or something to earn potential earnings? Like I mentioned earlier I’m going to be taking this money out in November/December to purchase a house. submitted by …