383 posts tagged with finances.
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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 to catch up & possibly get ahead financially

I'm working, but not enough, and am seeking new employment. I pay rent weekly, am constantly a week or two behind, and my landlord has informed my that I need to fix this pronto or (understandably) move out. I'm looking for suggestions for how to financially catch up and possibly get my head above water and quickly. [more inside]
posted by item on Apr 15, 2015 - 28 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

$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

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