422 posts tagged with finances.
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Are identify theft monitoring services worth it?

More than one such service exists. Do they work? Are they worth it? Should I sign up? [more inside]
posted by StrawberryPie on Aug 22, 2016 - 8 answers

How do capital gains work with continual investment?

Let's say I make a $1,000 investment into a mutual fund on Jan 1, 2016. On the 1st of every subsequent month through Dec 1, 2016, I contribute an additional $1,000. By end of year, my total purchase price is now $12,000. In the middle of January 2017, Let's say the market value of the fund is now $15,000 and I want to sell. Can someone help explain how capital gains tax would work in this scenario for the $3,000 gain? Some specific questions below the fold. [more inside]
posted by jason and the garlic knots on Aug 13, 2016 - 7 answers

Which is the better financial app for us: Mint or YNAB?

Difficulty level: Canada. [more inside]
posted by Kitteh on Aug 2, 2016 - 8 answers

Spending a significant chunk of savings... to chase a dream.

How crazy am I? I have a significant chunk of savings... almost enough in cash to do something i've been talking about doing for years. I'm not eating into my RRSPs, and I'm leaving 6 months of salary untouched... but I'm seriously debating spending all of the rest (and maybe a bit more via a small loan) to chase a dream. I feel it's a completely irresponsible thing to do and yet I really, really want to do it. [more inside]
posted by cgg on Jul 28, 2016 - 29 answers

I would like to live alone, but I also like money.

My current roommate is moving out. The prospect of finding and living with another roommate is giving me the howling fantods. Monthly rent for the whole apartment (plus utilities etc) would be ~50% of my average monthly income before tax. Is this workable? (snowflake details inside) [more inside]
posted by btfreek on Jul 22, 2016 - 25 answers

Put money toward 401k or credit card debt?

Do I put pennies toward my empty, matched 401(k) or pennies toward my slowly accruing credit card debt? [more inside]
posted by anonymous on Jul 22, 2016 - 19 answers

Where to go for advice about life issues?

If you don't have any close friends or trusted relatives in whom you can confide, where can you find a sounding board for problems you're facing? [more inside]
posted by akk2014 on Jul 18, 2016 - 21 answers

How do we approach financially supporting a parent?

My husband's parents are divorcing and they are in their 60s. His mother has had ill health over the last 20 years and some mental health issues. The divorce has sent their finances into some disarray but they have not been open with us about the particulars. Now his mother is starting to ask for financial help – small things like splitting airfare for her to come visit. But she's also apparently enlisted his sister to buy presents on her behalf for the kids/extended family and then sent checks that bounce. My husband is very anxious about needing to financially support his mother but I don't like this gradual slide into support especially since we do not have a lot of extra money. [more inside]
posted by amanda on Jul 6, 2016 - 19 answers

In search of helpful financial information

So I think I'm basically trying to find an Ask MetaFilter for financial questions. Anyone know of any websites? Thanks.
posted by madonna of the unloved on Jun 22, 2016 - 8 answers

Marital Finances - Am I As Big an Idiot as I Think?

I am more and more stressed over our household finances and I'm feeling horribly resentful and ungrateful. I would like some impartial advice/opinions. I have a therapist's session scheduled for next week but this is eating at me and I feel like I'm spending too much energy letting it roll around in my head. I make $135K per year, he *should* (key word) be making at least $300K a year, both gross figures. I pay 90% of the household bills. I have a hard time communicating with my husband. He often bends the truth or has a different version of the truth when pressed on an uncomfortable point. I like to think I am more fact-based, and when I press him, he often resorts to stonewalling or making statements that don't make logical sense. He does not have any expensive habits, he doesn't travel, drives a paid for car, and is generally a nice, well-liked guy. Where is all the money that seems to be normally expected in a practice like this? How do I explain to him that paying the majority of the bills is not working for me? [more inside]
posted by anonymous on Jun 7, 2016 - 37 answers

Should we get a prenup?

We're getting married! Hooray! But given our life circumstances, does it make sense for us to sign a prenup? [more inside]
posted by anonymous on Jun 1, 2016 - 17 answers

Gettin' Mom Some Teeth

My mom's in dire need of a dental makeover. She's 82 and over the last few years her teeth have really suffered - broken, fallen out etc. She stopped seeing her dentist a few years back because of what appeared to be egregious billing and a ridiculous $43,000 proposed dental plan for her. She's not in pain, but she's got some serious gaps and chewing problems. Problem is, neither of us can afford to get her fixed up. Other than DIY dental implants, maybe you have an idea or two....? [more inside]
posted by ecorrocio on May 25, 2016 - 9 answers

Cats. Money. Grief. Stress.

All three of my cats have been hospitalized this year for various reasons. I’ve spent about $10,000 on vet bills since February of this year. They’re still not healthy. [more inside]
posted by anonymous on May 22, 2016 - 24 answers

Complicated household finances

What experts do my fiance and I need to help us figure out our complicated multinational financial situation? [more inside]
posted by anonymous on May 20, 2016 - 12 answers

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 - 31 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 - 23 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

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