365 posts tagged with finances.
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Net income seems WAY off (in Ontario, Canada)

I've just finished doing my Canadian taxes using Turbotax. The net income calculated by inputting my T4 is higher than what I actually netted (calculated using excel + mint) by about $8000. [more inside]
posted by anonymous on Mar 17, 2015 - 11 answers

Home ownership: why?

as I approach my 35th year, I'm feeling more and more down about not owning my own home. However, I know there are some rational reasons why I don't. Or are they rational? Why did you, Metafilter homeowner, purchase your home? [more inside]
posted by Fister Roboto on Mar 16, 2015 - 53 answers

Planning to quit my job vs. giving up on my dream

I would like to devote myself to full time freelance illustration. I currently have an ok job, but my husband and I are tentatively planning on me quitting in the future so I can follow my dream. I realize not everyone gets to follow their dream though, and I worry it may be a Bad Decision. [more inside]
posted by polywomp on Feb 20, 2015 - 12 answers

No time for a post-nup

My spouse and I are entering a phase where we realize we may have to split up. It would be an amicable split though very, very sad. The issue is finances: my spouse is salaried, I am freelance, but we've always pulled in the same annual amount and thus split absolutely everything 50/50 -- no shared bank accounts or credit cards. We're not ready to start separation proceedings while we still try to work on saving our marriage, but I am about to book a new gig that will quadruple my annual earnings in one lump sum for a 6 month job. I would like to protect that sum from becoming "joint property" as I would like to still be married when I sign the job contract -- we're not ready to throw in the towel yet. My husband is okay with signing off on this, as our finances have always been separate and this is just a continuation of that. What kind of simple paperwork do we need that we can sign and notarize to keep my upcoming windfall out of the equation while we figure out our marriage? [more inside]
posted by egeanin on Feb 7, 2015 - 16 answers

Can you explain the advantage of a 10-year mortgage (Canada)?

Buying a house here in Canada, and my mortgage broker has mentioned that we're in an unprecedented mortgage rate slump, with five-year fixed at about 2.7% and now 10-years at around 3.8%. I can sort of figure out some math here, but I'm not sure I grasp the full nuances of this decision with compound interest, etc. [more inside]
posted by Shepherd on Feb 5, 2015 - 9 answers

Who should I be talking to?

My wife and I have a rental property, and it's basically one headache after another - and worse, it's costing us money every month. I need help! But I'm not sure where to go for sound advice. [more inside]
posted by kbanas on Feb 4, 2015 - 9 answers

Is financial issues in a relationship a deal breaker?

Been in a relationship with my partner for 2 years. I'm 26 and he is 28. We don't live together yet but have talked about it a couple of times throughout our relationship along with talking about having children. I make more money than him but he refuses to let me pay for dates, so we don't do as much as I would like to. He is responsible with money but barely has any disposable income. His expenses seem to be much higher than mine. Are financial issues a deal breaker in a relationship? [more inside]
posted by ruebeignet on Jan 30, 2015 - 31 answers

$20K AMEX account closed because I stopped paying. What happens now?

Wife lost her job for a few months and I was trying to swing our mortgage and $500 monthly AMEX payment. Talked to AMEX to try and work out a plan and they said “just pay it when you can”. That was a couple months ago. The account is now closed and I assume they "sold it". If they sold it to a collection agency, can I negotiate with the agency? [more inside]
posted by anonymous on Jan 16, 2015 - 7 answers

Creative, punchy, analog way to track our spending and saving?

We need to save $2000 every month for the next 6 months. That's not easy. I want to be able to say: okay, here's how much we've saved so far this month, here are our known expenses, can we afford a coffee out today, yes or no? But we don't have a good way to track our day-to-day, week-to-week progress so that we can adjust our spending as needed. Special difficulty: I don't think an app is going to work. I wish I could rig up a flashing neon sign or something over the front door... [more inside]
posted by kitcat on Jan 5, 2015 - 38 answers

Baby steps to being a grownup about money

I am in a very privileged position, now that I've finished school and have a real job and no pressing financial problems. But I'm realizing I'm not managing my financial situation in any way, and it's about time to start taking care of myself as an adult. My mental block is that I find figuring out the whole "financial situation" to be such a monumental task that I can't seem to get started. Perhaps you all can help me break it down into some manageable chunks? [more inside]
posted by picardythird on Dec 23, 2014 - 32 answers

Advice for cashing out an IRA

I have about $3,000 dollars in an IRA from before I went back to school and was working full time. Half of that is money I had contributed, and half is from my former employer. Due to a teaching assistantship falling through this semester I could use a little bit more cash to feel financially secure. I'm considering cashing out the IRA, but would appreciate advice. [more inside]
posted by codacorolla on Dec 18, 2014 - 8 answers

Any advantage to paying off a garnishment early?

I have the money to pay off a garnishment and am fine with doing so. I wonder if there is any benefit to paying it off early in terms of my credit rating. [more inside]
posted by anonymous on Dec 7, 2014 - 3 answers

Do I need a lawyer or a CPA or a ???

Last year, little baby iminurmefi was born, and while I know that there's a grace period where you can say "I just had a baby!" to excuse temporarily dropping the ball on all sorts of life stuff, it's about year past when my husband and I should have gotten our crap together and done that legal... stuff (that's the technical term)... that you're supposed to do when you have a kid and a house and assets and newly-complicated taxes. Estate planning, I guess? I know AskMe can't do this for me, but I am a bit lost as to what sort of professional(s) I need to hire here. [more inside]
posted by iminurmefi on Nov 18, 2014 - 13 answers

Who should I talk to about long-ago debt and my credit score?

Who should I talk to about long-ago debt and my credit score? Is that the sort of thing a new credit union will do, or would that just hurt my interactions with them? [more inside]
posted by brisquette on Oct 27, 2014 - 5 answers

Just take my money!

Mefites in Japan: What's the way out of this payment... difficulty? [more inside]
posted by ctmf on Oct 19, 2014 - 12 answers

Garnished. Any value in contacting creditor?

1. Is there a silver lining in that I'll be finally paying off the debt at least? Will that help me in the long run? Or is the fact that it's a garnishment super verboten? 2. Is there any value in contacting the creditor? [more inside]
posted by anonymous on Oct 11, 2014 - 15 answers

How to Plan for Unpredictable Irregular Expenses

Is there an easy way to track and prepare for this one irregular $20 charge that happens 7 times a year at intervals I can’t really predict? [more inside]
posted by Hermione Granger on Oct 7, 2014 - 9 answers

Taking The Counteroffer Still Bad Form?

I told them I was underpaid. They didn't believe me. I got another job and resigned. Now I hear they're putting together a counter offer. What to do. [more inside]
posted by anonymous on Oct 4, 2014 - 30 answers

My mother is financially irresponsible, is there anything I can do?

My mother is likely to have a lot of upcoming expenses; she is nearing retirement age, she has significant health problems, and she needs to sell a house that needs a lot of expensive repairs. But she is spending amazing amounts of money on things she doesn't need, and I am really worried about her future. I am living paycheck-to-paycheck and won't be able to help her at all. Can I or should I say anything? [more inside]
posted by anonymous on Sep 24, 2014 - 15 answers

Help me compare carriers of low-cost phone plans?

I'm wasting a ton of money on my current cell phone/home internet plan. To tighten up, I could pay the cancellation fee to AT&T, and for almost a third the monthly cost, give up the home network and switch to something like ConsumerCellular or (from a comparison website) T-Mobile's Simple Starter plan (600 minutes, 500 messages, 2GB; data pass available for unexpected overage; I can keep my iPhone 4). Roaming is not a big issue. [more inside]
posted by mmiddle on Sep 19, 2014 - 15 answers

Should I cash out my golden ticket?

My home is worth at least 2x my mortgage. Should I sell or hold on? [more inside]
posted by momochan on Sep 13, 2014 - 20 answers

Money management

My husband and I recently came into $35k. Assume this amount is after taxes. What would be the smartest thing to do with this money given our situation? Details inside. [more inside]
posted by Librarypt on Sep 8, 2014 - 24 answers

We just got 150k from Kickstarter and need real financial advice.

My business partners and I just closed a Kickstarter for around 150k! Awesome! But, for the first time, we have real money and now we need real advice. [more inside]
posted by anonymous on Sep 7, 2014 - 6 answers

How do I become more of a minimalist?

After years of maximalism, I want to become more of a minimalist (not extreme living-in-the-woods-money-free, but significantly more minimal than I am now) in the areas of financial spending and personal possessions. I want to declutter my home, pay off my debts as quickly as possible, fatten my savings and be happy living a life with less. What are the best books or blogs on this topic? What are your personal strategies or tips? How do I do this without going crazy?
posted by nightrecordings on Sep 3, 2014 - 28 answers

mo money, mo decisions

What kind of financial planner do we want? I was referred to a financial planned by someone trusted but he's the kind that takes a percentage of your money each quarter and moves it around. This made me nervous. What options are there? [more inside]
posted by beccaj on Aug 26, 2014 - 10 answers

Financial crisis when I have awful credit and am too sick to work

I posted here about my financial situation of being on disability for mental health reasons. Right now my PTSD symptoms are huge and all-consuming, so I am not able to accomplish much at all. However, I'm hitting a financial crisis point and need to find some remedy. My credit is too bad to get any kind of loan and I don't know who I could ask for one personally. Do you have any suggestions?
posted by mermaidcafe on Aug 15, 2014 - 9 answers

The exits are....none.

How do people determine that they can just pack up and move out and assume things will work out? [more inside]
posted by msbadcrumble on Aug 4, 2014 - 31 answers

I need a cross between a financial advisor and a therapist.

Having lived in the Bay Area "bubble" for many years, being reasonably (but not enormously) successful, and coming into middle age, I find myself more and more confused by the economic and social realities of how things are. I need a guide. [more inside]
posted by anonymous on Jul 26, 2014 - 13 answers

Is Sr. Citizen Bankruptcy a Good "Why Not" Idea?

My mother is 80 years old and has good credit but wonders if she'll ever use it (or even if anyone would allow her a major purchase that would require a loan/credit, considering her age/income/lack of any savings or assets, which seems unlikely from her experience). Her income is (not much) fixed social security and could qualify her for bankruptcy. She could wipe out $200/month of credit card payments with a BK without affecting her house (she co-owns with a sis), and she could keep (not declare) a credit card for emergencies. Are there possible downsides to BK? Or is it a clear-cut case of more income for her senior years? [more inside]
posted by anonymous on Jul 17, 2014 - 10 answers

Should I tell my girlfriend about my savings?

Should [or when should] I tell my girlfriend about my savings? [more inside]
posted by anonymous on Jul 9, 2014 - 56 answers

How much do they need to know?

We have two kids who are 12 and 14. From an emotional/psychological standpoint, how much or how little should they know about some minor, but real financial difficulties that we have as parents? [more inside]
posted by teg4rvn on Jul 1, 2014 - 33 answers

Remembrance of Financial Catastrophes Past

Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
posted by julthumbscrew on Jun 24, 2014 - 9 answers

How Much Does this Job Have to Pay to Maintain Quality of Life in SF?

I am considering a job offer that would relocate me from Washington, D.C. (an expensive place), to San Francisco (an even more expensive place). I'm trying to get an idea of how much of a bump in salary I'd need in order to make the move worthwhile. [more inside]
posted by Creamroller on Jun 20, 2014 - 21 answers

more money more cash more chilling

I'm having trouble keeping my finances organized for tax purposes. Special considerations: renting out a property, medical expenses. [more inside]
posted by unannihilated on Jun 14, 2014 - 5 answers

Help me find ways to make more money

I am unable to work because of disability. I collect SSDI and while I get food stamps, I only get $17/month, which doesn't go very far. Since I went on SSDI in 2010, I've tried various ways to supplement my income, but I have yet to come up with anything reliable. Budgeting is not the problem; there simply isn't enough money. Plus, it would be nice to improve my quality of life even a little bit. [more inside]
posted by mermaidcafe on Jun 1, 2014 - 20 answers

How do I insure a newborn on short notice?

We just found out the baby we're having any day now is probably not eligible for medical care at birth on her mother's insurance plan. Help! [more inside]
posted by The Winsome Parker Lewis on May 22, 2014 - 17 answers

Administrative assistant? Bookkeeper? 1 day a month? I hate paperwork

Ok, I went freelance about 4 years ago…and it’s been great. My problem is this: I spend time avoiding paperwork. I have a small set of tasks that someone could do. I’d like to hire someone for (at the least) handling invoicing and collections. What/who am I looking for? Is that a bookkeeper? [more inside]
posted by Towelie on May 19, 2014 - 10 answers

Too much, yet never enough: residual anxiety over spending

There was a time in my childhood when my family was poor. Our situation improved as I grew up. But I must've somehow picked up this anxiety about things such as food and clothing. It doesn't exactly interfere with my life, but it can be a waste of mental energy and makes things a bit less enjoyable. Do you have any suggestions for me? [more inside]
posted by gemutlichkeit on May 15, 2014 - 18 answers

YANMFA but.. be my financial advisor

I need help figuring out where to put my money now that I got a raise and finished graduate school. Snowflakes inside. [more inside]
posted by anonymous on May 12, 2014 - 5 answers

Best way for a UK citizen to manage money and cellphones in Europe?

I'm a Canadian/UK citizen living in London and I'm going travelling in Europe for three months. What's the best way for me to manage my money/cell phone plan while I travel? Requirements and details over the fold. [more inside]
posted by Cpt. The Mango on May 9, 2014 - 6 answers

How Can I Afford My Career Change?

How do I make my financial situation work? Late 20-something living in Chicago trying to financially survive a career change. Tons of details here, but any ideas, suggestions, or help would be so appreciated. [more inside]
posted by carlypennylane on Apr 26, 2014 - 17 answers

Investing for Beginners?

My brother and I recently found out that we are collectively receiving $220,000 from our father's estate (he passed away four years ago when we were both in our early 20s). We were advised to invest in some more profitable stocks and were given a list by a financial advisor, but neither of us have a clue how to begin making these types of decisions. Does anyone know any good (free) online resources to start learning the basics of investing and choosing a diverse portfolio? I've been wanting to develop financial acumen for some time now and I guess this is a good opportunity to start, but I don't want to make any mistakes. Any advice? Many thanks!
posted by desert_laundry on Apr 23, 2014 - 35 answers

Is an accountant obligated to report unreported income to the IRS?

Is an accountant obligated to report unreported income to the IRS, if the conversation is not pertaining to the completion of my tax return? [more inside]
posted by anonymous on Apr 3, 2014 - 4 answers

Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers

The things we should have discussed ahead of time

My 72-year-old mother has been in the ICU for a week, and it's 50-50 on whether she'll pull through or die. I'm struggling to be a responsible adult about the whole thing. [more inside]
posted by iarerach on Mar 13, 2014 - 22 answers

Will this affect my credit?

I have near perfect credit. I only use my Discover card that I have rewards on and pay off the balance every month. I do have a credit card from a credit union that I never use. I just received a letter in the mail that stated that the credit union credit card is about to expire and won't be reissued due to inactivity. Will this affect my credit? If I don't care about the card, should I just let it "die"? Thanks
posted by kbbbo on Mar 7, 2014 - 10 answers

How can I go about job-seeking effectively?

I am a 25-year-old woman and a recent college graduate (just earned my Master’s in English in December). I’m looking for higher education administrative jobs in the area: basically, to be an admissions counselor, financial aid counselor, academic advisor, and the like. There are a few concerns on my mind about the process. [more inside]
posted by summertimesadness1988 on Feb 28, 2014 - 7 answers

What is a reasonable contribution from a daughter who lives at home?

Daughter, 23, lives with me. She has had mental health struggles and doesn't feel ready to live alone or with roommates. I'm sure she will someday, but probably not within the next year or even two. She's doing great now. She completed a certificate program and has a full-time job at entry level pay, which will increase with experience. How much is a reasonable financial contribution to the household? [more inside]
posted by anonymous on Feb 18, 2014 - 30 answers

Help me help my kid

Kid BlahLaLa, an enormously charming, wonderful and sweet 10-year-old boy, is also greedy as all get-out. Help me find ways to open his eyes about his/our incredible good fortune so he can get his birthday present request list into proportion. [more inside]
posted by BlahLaLa on Feb 11, 2014 - 49 answers

How do people find money to move out when separating or divorcing?

A asks B for a divorce. B is not surprised. B agrees, even though B would prefer to stay in an unhappy marriage rather than be branded with a scarlet D*. A wants to move out ASAP. Generally speaking, how do the financial logistics of this work? No special snowflake details inside. [more inside]
posted by anonymous on Feb 11, 2014 - 17 answers

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