408 posts tagged with finances.
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Investment options for a chunk of cash

If you had, let's say, $150,000 (US) that you need to draw about $1,000 per month from for as long as possible, what would you do with it? [more inside]
posted by otherwordlyglow on Apr 15, 2016 - 16 answers

GF is more successful than me, how do I deal?

My girlfriend is more successful than me. How do I keep myself from turning into a jealous weird guy? I want to celebrate and support her success, without getting bummed out and feeling emasculated. Looking for strategies (non-redpill) on how to not let this get to me, not blow my budget, and maintain my sense of masculinity. [more inside]
posted by anonymous on Mar 28, 2016 - 30 answers

Replacing Mint.com?

Is there something out there better than Mint.com to unify our financial account info? There's way too much crap in there. [more inside]
posted by jroybal on Mar 27, 2016 - 17 answers

Rental Property Taxes

I have a property management company managing my rental properties. At the end of every month, they deposit a somewhat arbitrary amount into my checking account that represents some portion of the months incomes (they always hold some back and maintain a cash balance for expenses). Should my taxes/income be based on the monthly deposit or the total revenues that the property management company is receiving? [more inside]
posted by shew on Mar 26, 2016 - 5 answers

How do you handle your couple's finances?

My SO and I are looking at moving in together when our respective leases are up in September. One of the things I want to make sure we have ironed out is finances, so I'm looking for any and all ways people have transitioned to handling finances as a couple. [more inside]
posted by dotgirl on Mar 25, 2016 - 32 answers

Marriage Filter: How do you handle an inheritance?

Please help me navigate the waters of handling an inheritance. Question inside. [more inside]
posted by SanSebastien on Mar 17, 2016 - 32 answers

YANMD, YANMT: Where do I start as an anxious, sober alcoholic manchild?

Paralyzed with fear, dealing with depression, motivated to change: I need to get my act together with professional help and am not sure where to go, being uninsured, employed part-time in the US. Snowflakes inside. [more inside]
posted by Giggilituffin on Mar 11, 2016 - 19 answers

Credit Question - Buying Automobile and Residence

I am planning on buying or leasing a car and buying or renting an apartment or condo. I plan to do both withing the next 4-6 months. As far as my credit is concerned, is there a certain amount of time that you need to space between these two things? I have perfect credit, savings and am not overextending myself financially. What do I need to know or consider as far as timeline? Thank you
posted by kbbbo on Mar 1, 2016 - 5 answers

What Should I Do With $150K Cash, No Debt, No Dependants and No Job?

I've always put money into an emergency fund in case I lost my job: I lost my job, and of course I'm glad I created the emergency fund, but I'm not actually quite sure what to do with it. I guess I'm wondering here if/ how I could use it to make some significant life changes - rather than just lose it on rent and living expenses for however long it takes me to get back on my feet. [more inside]
posted by anonymous on Feb 28, 2016 - 22 answers

Figuring out when and if leaving job is financially feasible

I work in a public interest/government professional job, which has big advantages for my student loan situation, but may not want to stay forever. I'm also in a field where going into private practice is common. Mathematically, how do I figure out at what projected income level going into private practice would be a financially sound decision? Also interested in any strategies I haven't considered. [more inside]
posted by picardythird on Feb 15, 2016 - 11 answers

moving debt around on credit cards

I have 3 credit cards and am trying to determine the best decision to arrange my funds to accumulate minimum interest. Bringing up my so-so credit score would be a bonus. [more inside]
posted by anonymous on Jan 15, 2016 - 12 answers

Living together but financially absolutely separate? (Canada)

I was wondering if anyone has any advice to impart about managing finances on an absolutely separate basis as a live-in couple. Specifically, if one person wants to pay for the mortgage with no financial help from his partner. [more inside]
posted by analog on Jan 13, 2016 - 14 answers

Employee with severe financial problems

My assistant in our small business is in financial trouble. How can we help and are we as a business potentially at risk in any way? [more inside]
posted by Che boludo! on Jan 13, 2016 - 44 answers

New Year, new spreadsheet for tracking joint and personal expenses

My partner and I have decided to track more accurately our expenses and this task is on me. We are looking for an Excel spreadsheet template that will allow us to track all our expenses by category (groceries, eating out, etc), making a distinction between personal and joint expenses. On top of that, we would like to be able to see clearly who spent how much on what. [more inside]
posted by lost_lettuce on Jan 12, 2016 - 12 answers

Should elderly parents negotiate settlement on credit card debt?

Need advice regarding whether elderly parents (in dire financial straits) should negotiate a settlement on their credit card debt. [more inside]
posted by the return of the thin white sock on Dec 22, 2015 - 17 answers

Saving without a goal

I know absolutely nothing about money (I'm talking feral-child-raised-by-wolves-level "nothing") and want to get my finances in order. I'm not saving up toward any kind of goal except eventual retirement in 40-50 years. What should my next steps be? [more inside]
posted by robot cat on Dec 16, 2015 - 24 answers

Tips for finding an affordable financial planner

What are some good things to look for in a financial planner? Any recommendations that might seem like a fit in the Atlanta, GA, area (or elsewhere)? Please see below for details. [more inside]
posted by dubhemerak3000 on Nov 6, 2015 - 4 answers

How to choose the term on my new loan, considering my other loans.

Financial-advice-filter. I am about to pick up a auto loan and I have a few choices re: rates and term length. Before we get in to numbers, I'm trying to determine what term of loan to take on the lower-interest loan to maximize my money, assuming the same amount of money put aside by me. Thanks for reading! [more inside]
posted by bbqturtle on Oct 23, 2015 - 14 answers

Road Warrior: Expenses Edition

I am weighing a job offer that is 50% travel (consulting). As I consider it, I realize that part of the issue that has me hung up is that I have no idea how to think about living expenses as a person who is only home 50% of the time. Help? [more inside]
posted by juniperesque on Oct 9, 2015 - 14 answers

Approaches for financial imbalances in a committed relationship?

My partner and I are in a committed relationship of over three years. She's in academia getting her PhD, I hold a professional 9-5 "knowledge-worker" position making a substantial salary. We've been living together for a year and a half, and have worked out a financial situation based on equitable contributions (pretty much a percentage of our incomes). But, my partner is about to enter into the writing the dissertation phase, but her grant money will run out and taking out additional student loans just seems like digging deeper into insane debt. We're discussing a situation where temporarily I'll effectively be supporting her fully. What approaches have other MeFites taken in this situation? [more inside]
posted by anonymous on Oct 3, 2015 - 39 answers

Am I doing money wrong?

I feel like I go from one financial juicebox to another. I can't save money, am trapped in an unpleasant job situation as a result, and the whole mess has me frankly pretty depressed. Is there anything at all that can be done? Warning: long woe-is-me descriptions within. [more inside]
posted by whistle pig on Oct 1, 2015 - 39 answers

How do I credit?

I'll be paying off my student loans in the next year or so. When that's over, I'll be completely debt-free. I don't really want a credit card, and I'm not planning any big, credit-required purchases for the foreseeable future. I don't want to rule anything out though, and am interested in maintaining my hard-earned good credit score. So what should I do now? [more inside]
posted by saguaro on Sep 11, 2015 - 7 answers

I need a life coach. But, not sure it's right for me, or affordable?

With the help of my excellent (CBT) psychotherapist, the last seven years have seen great strides in my mental health. But I fear that my therapist and I have reached our expiration date. Should I consider a life coach? Given my budget, can I even afford to have a life coach around often enough to be effective? [more inside]
posted by nightrecordings on Sep 5, 2015 - 6 answers

Saving Smarter

Where should I put my money, with specific goals in mind? [more inside]
posted by sprezzy on Sep 3, 2015 - 8 answers

Non-heternormative financial planning

Can you refer me to blogs, books, or other information on planning one's personal finances for the mid- to long-term that does not assume the traditional route of marriage, children, and supporting a family? [more inside]
posted by deathpanels on Aug 23, 2015 - 11 answers

How many bank accounts is too many?

I have credit cards and banking accounts scattered across a bunch of different institutions. I've just kind of patchwork-accumulated them over the years and I'm now wondering if this will have any actual impact on my credit score or have detrimental effects to my finances. [more inside]
posted by thebots on Aug 12, 2015 - 14 answers

Non-monetary rewards

How do you reward yourself (for achieving goals big or small) without spending money? [more inside]
posted by nightrecordings on Aug 2, 2015 - 13 answers

Low-fee checking with 2-factor authentication & fast check deposits?

I'm shopping for a new basic personal checking account at a bank or credit union in the L.A. area, because I no longer qualify to get the monthly fee waived at my current bank. Must-haves: Need to deposit paper checks reliably, with a fast availability of funds. Online banking must have two factor authentication. Lower fees: say, under $10... under $5 would be better... free would be excellent! I've put a list together... can you help me think of other candidates? [more inside]
posted by anonymous on Jul 20, 2015 - 9 answers

Too late to back out of staying in a pricey room for a wedding?

I'm a bridesmaid in a wedding this summer which will take place 30 minutes from my house. The facility has cabins which guests are invited to stay in. Awhile ago the bride told me that she is paying for the wedding party to stay overnight. She asked if my boyfriend would be staying overnight and I said yes, assuming that he would be covered too. I just got an email pay-pal request from her for $80 for my boyfriend's share. [more inside]
posted by pintapicasso on Jul 16, 2015 - 20 answers

How and whether to combine bank accounts?

My husband and I have had separate bank accounts, and are starting to finally merge them. Is there any point to keeping my banking separate? [more inside]
posted by anonymous on Jul 14, 2015 - 29 answers

How can I become okay with not getting the best possible deal?

Whenever I buy an item, and later discover there was a cheaper way to buy the same item, it really upsets me. It bothers me for hours or days. This stresses me whenever I need to buy variable-cost items like plane tickets and insurance, because I will probably find out I didn't get the best deal and then feel bad. What's worked for you in fighting this neurosis? [more inside]
posted by cheesecake on Jul 3, 2015 - 27 answers

Should I pay my boyfriend rent if I'm crashing with him for 1 month?

I have a gap in between leases, and my boyfriend graciously agreed to let me crash at his place for a month. Should I offer to pay him rent? [more inside]
posted by placoderm on Jun 23, 2015 - 19 answers

How should I allocate this cash I was going to use for a down payment?

Since I graduated a few years ago and started working, I focused on saving money in order to (1) pay down my student loans and (2) use as a down payment for a home. After establishing an emergency fund and starting retirement fund payments, I put half of my savings to the student loans and half in a low interest savings account intended for the down payment (with ~20% in an investment account). Now goal 2 is proving elusive, and I'm wondering what I should do with the money. [more inside]
posted by benbenson on Jun 17, 2015 - 5 answers

Can an ATM in California accept payments for an Ecuadorian credit card?

My wife is Ecuadorian, and we are relocating to California permanently. She has two credit cards issued by a major Ecuadorian bank, and we need to figure out how to make payments on them from the United States, as there are some charges that will post after we have left the country. The bank assures us that we can do so from Cirrus-network ATMs in the United States. I am skeptical, as I have never seen anything like this in Los Angeles. [more inside]
posted by quarantine on Jun 14, 2015 - 7 answers

How to money

I'm in my thirties and I just got my first 'grown-up' job. Now find me a book that teaches me grown-up finances. [more inside]
posted by anonymous on Jun 5, 2015 - 20 answers

Should I pay off all my debt in one fell swoop?

I have an emergency savings fund with at least 6 months of living expenses. It's almost exactly the same amount as my total debt (credit cards and student loans). I am really tempted to just get rid of it all in one fell swoop, but I'm not sure this is a good idea. I have a steady income and fairly predictable expenses (though anything could happen). No kids, spouse or house. [more inside]
posted by desjardins on Jun 2, 2015 - 35 answers

Life is Disappointing: NYC Apt edition

Due to a series of unfortunate events I'm now homeless and lost all my savings. Looking for overall advice how to rent a room in NYC and survive. [more inside]
posted by chrono_rabbit on May 28, 2015 - 39 answers

Dude, where's my credit?

Last I checked (a bit under a year ago), I had a fantastic credit score. Now, a leasing agent just ran a background and credit check on me and says that I have no credit at all. What gives? Should this worry me? What am I supposed to do about it? [more inside]
posted by cheerwine on May 8, 2015 - 13 answers

Credit Monitoring

Hey Mefites, what do you think is the best credit monitoring service? Is it worth it?
posted by bquarters on May 7, 2015 - 4 answers

How do I change credit cards without hurting my credit score?

So I've got several 2-3 credit cards that I use heavily; I never run a balance, none of the cards have annual fees, I just like the convenience and earning rewards. I'd like to switch from the cards I'm using to some new ones that have better rewards, and do it in a way that doesn't hurt my credit score. [more inside]
posted by kanuck on May 5, 2015 - 15 answers

Aging, depressed parents in another country

A few years ago my parents, who immigrated to the US (where I was born and raised) moved back to their home country, which is in the Middle East. I'm still in the US. About a year and a half ago my only sibling died unexpectedly, causing all three of us untold amounts of grief. Now they're old, tired, and depressed in a distant country and I don't know what to do. What can I do to improve/feel better about this situation? [more inside]
posted by anonymous on Apr 30, 2015 - 6 answers

How do I deal with this?

I’m 24 (but I feel like I am 65) years old and I live with my 56 (but emotionally 16) year old mother. We’re facing financial ruin over something that seems insignificant. [more inside]
posted by 8LeggedFriend on Apr 9, 2015 - 30 answers

What does it look like for financial values to fundamentally change?

My SO & I are in our 30’s, have been dating over a year and have been talking about marriage. We are having a crisis over our differing financial values. [more inside]
posted by anonymous on Apr 1, 2015 - 21 answers

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

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