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 …

How do I start saving? Hi there! I don’t know if this is the right place to post, but here goes nothing. So I (19M) live in Pakistan. I make a decent amount of money monthly, averaging around 175k (local currency), and the minimum is around 120 to 130. I peaked last month and made around 380k. Now onto the issue. For my age, that is a LOT of money in this country. My …

Question: About saving for a car Greetings, I’m aiming to buy a car around this time next year. Would it be a good idea to open a trading account and buy something like VOO until its time to purchase? Curious to know where people would park their capital up until the purchase. Thanks for your suggestions. submitted by /u/islers86

Saving while homeless Saving money while homeless Disabled vet currently homeless , staying at a veteran shelter . I receive a pretty decent amount of money every month and I just got a job so my question is should I save money for a whole year or try to move out when I get enough money? The rent is only $420 here. No other bills here , if I save on my disability che…

23, not sure how I should be saving/investing. I currently make around 41k a year, no real debt (I have $400 on a credit card but I pay it off), I have $1200 in a savings account, around $2300 invested, and $1100 in a retirement account. As for the savings account , I don’t really add to it, I just try to keep it at or above 1k. For the investment account, I add $40 a week and for the retire…

Best way to start saving for my children I (29m) and my wife (30f) are in a pretty good spot right now. My job covers all the bills so her check (~700) is extra. I put 10% in my 401k weekly (work matches 10% and im going to bump it up soon), roughly 10k in savings. 2 car payments, but we should be paying off one next year and start extra payments on the other. My main question is what …

Cost saving tips for USA travel I am curious to hear any USA travel specific saving tips and related discussions as a non-US citizen. Me & my partner are planning a trip here, but we’d like to spare some money. I’ve heard about couchsurfing, housesitting, camping and possibly renting a camper van as a way to strongly decrease accomodation costs. I also know to avoid restauran…

60k in Tbills: Saving for a Home. •I’m looking for a home in the Wisconsin- Minnesota area. •I thought about buying in September 2022. •I decided to wait to save for a down payment. •40k+ in savings later, I can roughly buy the same quality of house I could last September. Welp… that sucks. Prices, rates, boo hoo. Do I throw in the towel and settle for a same quality of house…

Not sure how to go about saving for retirement I hope I’ve come to the right place. I (22F) started a full time job 3 months ago, I currently make 16/hr (~33k/yr). My job uses empower for retirement stuff but, I have no idea what I’m doing honestly. Idk if this is an employer issue but in the portal, it’s showing 2 tabs under accounts. One says 457 plan, the other just says

All the Seeds You Should Be Saving Right Now for Next Year Many gardeners are aspirational when it comes to saving seeds even if there are some good reasons to skip it. If you’re gardening year round, you don’t always have time to let plants go to seed so you can harvest them because they’re taking up too much space. Plus, each plant needs its seeds saved in a different way,… Read more…

What to do with cash while saving for a home? Hey all! I am 35 yo bartender. I fortunately work in a nice busy restaurant and have been here hustling for 10 yrs now. I Make over 6 figures a year + cash tips. I live in a high cost of living area though. Basic homes go for between 620-730 k— just for a 1100 square ft home. I have 71,000 k in cash saved sitting in a Vangaurd Cash deposit fund …

Student Loans: Should I be paying or saving? To give some context, I finished my undergrad and graduate degrees during the Covid era, which resulted in me not having to make any payments or interest yet. I applied for the new SAVE program, which seemed to automatically link to previous tax information. After doing this, I have received notice that my minimum payment is $0. However, with m…

How much should I be saving at my age? I’m just wondering what a realistic balance is to save at my age. I’m 20, currently a junior in college. I work part time, I get paid once every 2 weeks and get approximately $200-250 per paycheck. My college is completely paid for through scholarships, and my parents pay for food/gas/phone, so I don’t have any expenses, just “extra” things I wa…

Your tips and tricks for saving money on flights? Hello, lovely people, I recently moved to the Netherlands from South Korea for work (and am originally from North America). I am loving the opportunity to travel easily within Europe (though I miss the ability to pop over to Japan, or even Taiwan, for a long weekend). Just in the next two months I’ll be traveling to Romania, Belgium, and Frankfu…

Does anyone have any money saving tips? I’m trying to save money to buy a car but I’m really bad at budgeting. I’m trying to learn but it’s difficult with my living situation. I don’t make a lot of money at my job due to personal issues, if anyone has any suggestions or ideas that would be much appreciated and very helpful! submitted by /u/throwaway74738287

Paying off debt and SAVING. I’m 20(F) and I used to be able to save. As i turned 16, my parents stopped helping me which resulted in me paying for everything myself. I bring home $2540 after taxes and pay $2266 in bills. If I ask my parents for help they always have an excuse or say they don’t have it (shocker.) I have two CC, one at 31.99% ($1793 balance) and the other o…

What should I be saving? I work a job for $35 an hour, I been doing what I do for almost two years now. I currently don’t have a savings and I don’t have a credit card ( old debts from the past) I have no loans, (besides one about 2,000 I took out when I was around 19) I’m 32 now. I’ve been with CIBC since I’ve started this job 2022 I made 76,000 before taxes My re…