247 posts tagged with savings.
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Where to put my money (debts and savings questions)

I'm coming into some money. How should I allocate it? Exciting debts inside. [more inside]
posted by anonymous on Aug 8, 2015 - 17 answers

Save for a house, or save for retirement?

Which should come first once I start making more money: save for a house, or save for retirement and a 6 month safety net? [more inside]
posted by Hermione Granger on Aug 4, 2015 - 38 answers

Millenial student loan debt, amirite?

Best strategy for paying down student loan debt for my *snowflake* situation. I don't want to bankrupt my future, but I also am not looking for taking risks like getting my hopes set on loan forgiveness. Specific details inside. [more inside]
posted by Zeratul on Jun 28, 2015 - 11 answers

Any tax implications when transferring money into UK if non-resident?

I am a non-resident Briton who has built up a substantial amount of savings while working abroad. This money was earned from employment in foreign countries and was taxed in those countries. Are there any tax implications if I transfer some or all of this money from my offshore bank account into my UK bank account? Is there a limit to how much I can transfer into my UK account? From what I have read so far, this answer is "no" and "no", however I am nervous about tax and would appreciate some reassurance...
posted by teselecta on Jun 15, 2015 - 3 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

We created a household budget! Now how do we keep to it?

My partner and I haven't always been good at tracking or controlling our spending. After looking at a couple of years of spending data from various sources, we've finally nailed down a monthly household budget, and we're hoping to implement it starting tomorrow (start of a new month). Now the question is how to make sure we stay within our spending limits for each category. Herein be snowflakes... [more inside]
posted by dry white toast on Apr 30, 2015 - 18 answers

What do I do about my new tires on my dying car?

What do I do about my new tires on my dying car? Just found out my car is on its last few journeys, but I recently purchased expensive new tires. [more inside]
posted by tweedle on Apr 2, 2015 - 7 answers

Is the budget red or black?

I've got the job. Now I have to navigate the paycheck/loans/benefits/retirement... Where do I start? [more inside]
posted by Chaussette Fantoche on Mar 28, 2015 - 10 answers

Your best savings/couponing hacks

As a former couponing machine, I'm looking to learn some of the most current trends and easiest ways to get back into the savings and reward-earnings game. I'm NOT looking for general frugality or budgeting tips. [more inside]
posted by wannabecounselor on Mar 25, 2015 - 11 answers

I've got the zero percent fed funds rate blues

Inflation is ~1.75% and the best savings account I can find is 0.75%, so I'm not even keeping up with inflation. Can I save money in a safe, liquid, way, without accepting a negative real return? [more inside]
posted by jcreigh on Mar 21, 2015 - 10 answers

Best location for emergency funds

I am in the market for a new home for my emergency savings. My current bank is a joke and I need some consistency so my money doesn't become nomadic. [more inside]
posted by selfnoise on Mar 10, 2015 - 18 answers

Recommended Books on Financial Planning?

My wife and I are looking for a good book to help us make some better financial plans. We had our first child in the past year and my wife will finish graduate school and start a job in a few months. Accordingly, we'd like to redo our financial plans, and we'd like a book to help guide us. [more inside]
posted by pombe on Feb 28, 2015 - 4 answers

One life-changing experience, please.

I've read a lot about saving money for experiences rather than things. What are some experiences that are absolutely worth saving up for? [more inside]
posted by elisse on Jan 29, 2015 - 49 answers

Embarking on a 4 year personal financial voyage. What to do with savings

MF, you're the best, I am entering into a PhD program with 24k in the bank. Wife is quitting her job to stay home with our 7 month old. Is an index fund/savings account/... the best place for these funds now? Anyone come out the other side of something like this successfully? [more inside]
posted by 1inabillionmistake on Jan 11, 2015 - 31 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

Did I do something wrong that I'm missing? Isn't college $ good?

For Christmas, I decided to set up a 529 college savings account for my 7 month-old nephew. My sister and her husband flipped out, saying I am trying to use their child for tax deductions. I don't understand what I did wrong. Insight please? [more inside]
posted by bolognius maximus on Dec 27, 2014 - 56 answers

Financial anxiety! I am a lucky bum, but can't stop worrying.

I'm dealing with a lot of financial anxiety, even though I'm in a place that I know many people would envy. Does anyone have concrete advice for managing illogical anxiety over money, savings and employment? [more inside]
posted by anonymous on Nov 9, 2014 - 11 answers

Retirement savings in the neocon age...

I am finally starting to plan for long term financial security and retirement. Good news, I have a pension. My question is, should I feel secure in my pension actually being there when I retire, or should have a separate, backup retirement account? [more inside]
posted by latkes on Nov 7, 2014 - 8 answers

I have 1k and I'd like to double it safely

How do you take 1,000 dollars and make it into 2,000 safely and soundly? [more inside]
posted by Hands of Manos on Oct 5, 2014 - 25 answers

Help me choose the right 529 option.

My baby girl was born in May and I'm setting up a 529 for her. I've decided to go with one of the age-based options under the Utah 529 plan, but I can't decide between the domestic aggressive option or the global aggressive option. [more inside]
posted by missjenny on Sep 20, 2014 - 3 answers

How to prudently withdraw invested money?

I am looking for guidance on how to go about withdrawing from investment accounts well before retirement. I know the generic advice is that you should be steadily socking away your retirement savings, not spending it, but I need access to cash at the moment. If you can direct me to resources (web articles, books, etc.) on the wisest course to follow when cashing out investments, I would love to hear about them. [more inside]
posted by anonymous on Sep 14, 2014 - 6 answers

Leaving the US permanently. What to do with my savings? (non-US citizen)

I'm a french citizen, I've lived in the US for the past 10 months (leaving in a month) and I have ~10k on my savings account. What should I do with the money? [more inside]
posted by eta on Sep 4, 2014 - 13 answers

<30 discounts

I got my theater tickets at a discount, and I could join the Portland City Club at a discount (if I lived in Portland...). I'm 27 and want to find out about other discounts for the under-30 crowd. Where should I be looking? I live in Berkeley and tend to be into things like politics, theater, culture, etc., but general suggestions are welcome. Thank you!
posted by c'mon sea legs on Jul 17, 2014 - 9 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

Business checking account for a sole proprietorship DBA?

Are there any no-fee business checking accounts for a sole proprietorship? Pretty much no services are needed other than an account that is separate from personal finances.
posted by jsturgill on Jul 8, 2014 - 9 answers

Just signed up for Costco - find me their best deals!

I recently purchased a Costco executive membership, and am pretty thrilled with how much I'm already saving. But I only want to nab the good deals, and it's hard to individually compare each item's price to the other supermarkets I shop at. So, I'd like to hear what you consider to be Costco's consistently top bargains; also, are there any sites that list Costco's prices for the month relative to other stores' prices? (and maybe even show the items with the biggest savings?) [more inside]
posted by Kamelot123 on Jun 13, 2014 - 74 answers

Where should we put our money?

My family's combined income just increased by over 50% in the span of a week, between a new job for my husband and a significant raise for me. This is obviously AWESOME. We went from living on a very tight budget so we could afford to put some savings away, to have a couple thousand dollars a month beyond even that savings. What do we do with it? [more inside]
posted by raspberrE on May 23, 2014 - 14 answers

Should I pay off my student debt or invest my money? ( Canadian)

Going back to school in September after working for ~ 2 years. I've saved up a bit and I'm wondering how to make the best use of it. [more inside]
posted by winterportage on May 20, 2014 - 10 answers

What medium-sized indulgence could around $1000 buy?

I'm not looking for investment advice or money-savings advice. Pretty much the opposite. I'm looking for ideas of things that I could do with around $1000 - it could be a weekend trip, a premium consumer product, or something that will benefit me for a long time. Snowflake details inside, but really anything that comes to mind would be great! [more inside]
posted by bbqturtle on May 7, 2014 - 85 answers

Moving in together and savings

My partner makes money and has savings. I am a grad student, have no savings, but will make money. How to handle potential cohabitation? [more inside]
posted by inevitability on Apr 15, 2014 - 20 answers

Longterm investing anxiety: Property or pension, or what?

Husband and I have $130k saved up. No mortgage, no pension to speak of. Just been called into the bank for talk about long term plans and am freaking out about what to do. Advice? Do I need to see a financial advisor or are they not a good idea? [more inside]
posted by everydayanewday on Apr 13, 2014 - 11 answers

I have substantial savings but no job. How to get someone to rent to me?

I have ended a long-term relationship where we both had mental health issues (bipolar depression in my case). I haven't worked since 2005 but am a graduate (was back in 1991 though, I'm 44 now) and have about 12 years of work experience. I believe I could work again if given the opportunity, and am willing to do the work either on myself or in terms of learning marketable skills to become employable. I also have about £50,000 ($70,000 I guess?) remaining from an inheritance, which I'm using to live on. It's actually possible to buy a modest apartment where I live for that money, but then I would not be eligible for out-of-work benefits, hence the need to rent. I have never rented before, I lived in my parents house until age 36 and then with my partner in her mother's house until age 44. So I have no references to offer as a previous renter, and am quite socially isolated due to shyness so not sure about finding character references either. My credit score is great due to only modestly using a credit card for 10 years and paying it off each month, and not getting into debt during that time. How can I best sell myself to a letting agency as someone their landlords might want to rent to, and what concessions would I need to make for renting to be a possibility - pay a big deposit? rent in advance? money in escrow account? [more inside]
posted by AuroraSky on Apr 13, 2014 - 13 answers

Help us weigh financial priorities.

My family's income has just increased, and we're having trouble choosing between financial priorities. Advice? [more inside]
posted by anonymous on Apr 9, 2014 - 17 answers

Daylight Savings Time Change Disaster - Early Morning Flight Guadalajara

Currently in Guadalajara, Mexico. Daylight savings time (spring forward) is at 2 am local time. Ipad and iphone for alarm clocks. iPhone is not connected for local service - is on Sprint in U.S. Will these Apple devices self update? [more inside]
posted by fieldtrip on Apr 5, 2014 - 5 answers

Savings vs. debt for short-term gap-stopping

If a person is flat broke for a relatively short period of time (<10 days) but some expenses are unavoidable during that time,* is it better to raid a savings account or to use a credit card to pay for the expenses? Assume that the interest rate on the credit card is shamefully high, and that the savings account is very modest (<$500) but nonetheless a good morale booster and safety blanket. [more inside]
posted by magdalemon on Mar 19, 2014 - 28 answers

MFAaaaaay 401Kaaaay PHDeeeeee IRAaaaay

What is the best way to move money between retirement accounts while I am currently employed so that I can access it and minimize penalties when I go back to school? (Many, many details inside) [more inside]
posted by rock'em sock'em puppets on Feb 27, 2014 - 7 answers

In search of some intermediate financial advice.

MeFites have always been pretty good at giving basic financial advice, like how to start saving, building a budget, getting out of debt, etc. I'm there already. I find myself in the surprising situation of being comfortable these days, and I'd like to know: what's next? [more inside]
posted by anonymous on Feb 20, 2014 - 13 answers

Help me start saving for retirement (U.S.)

I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
posted by likeatoaster on Feb 20, 2014 - 14 answers

How to reason with an overzealous "prepper"?

Without consulting his wife or family members, my brother-in-law raided a savings account and bought ~$20k worth of guns/ammo and survivalist gear for his "bug out bag". This occurred over a three week period. I've been asked to get him to relinquish these items so the money can be recouped. So far my efforts have mostly failed. Is there anything else to try before I give up? [more inside]
posted by 99percentfake on Feb 4, 2014 - 67 answers

How do I handle destination wedding money stress?

A friend of my girlfriend's is getting married in Asia over Christmas 2014. She's planning to go, and wants me to accompany her (and, money aside, I'd like to go). She'll be upset and disappointed if I don't, and is already upset and disappointed that I'm balking. She makes enough money to afford the trip without financial contortions, and...I don't, or don't feel like I do. This is a recurring point of contention in our relationship, and, generally, I'm not sure if I'm being unreasonable, she's being unreasonable, or a little bit of both. [more inside]
posted by anonymous on Jan 26, 2014 - 58 answers

Need to find a bank with amazing online security

I need to find a bank with absolutely amazing online security. Two-factor authentication is a good place to start. Bonus points for stability and good interest rates. [more inside]
posted by anonymous on Jan 13, 2014 - 19 answers

What is the best used car for the money?

I am buying my first car. I am thrifty so I'd like it to be used because I think I will find the best deal there; I just don't like the idea of spending all of that money for a rapidly depreciating asset and I'd rather buy it after it has already depreciated some. I am looking for one of two types of cars, either: 1) A sporty, but economical car (think Honda S2000, Mazda Miata) 2) A long lasting electric/hybrid (ie Nissan Leaf, Toyota Prius, Corolla, etc) Please let me know what your suggestions are, along with any caveats to buying a used car. I do not know much about cars. Should I bring a friend who does or hire a mechanic to inspect my car before purchase? Also, where is the best place to find a good deal? Thank you all.
posted by locussst on Nov 21, 2013 - 9 answers

I want to measure things! For science, and thrift!

I want to measure and test things in my life (home, car, etc.) for maximum efficiency, thrift, and measuration, which is a word I just made up to combine measurements and data wankery. What measurements can I make and what fun tools do I need to buy? [more inside]
posted by Admiral Haddock on Oct 23, 2013 - 20 answers

Money, money, mon-ey. Mo-ney. (on a Mac and iPhone?)

I’m looking for a money management app for Mac that also syncs with iPhone. What do you use and why? (I’ve looked here on Metafilter and found little to nothing that’s recent). [more inside]
posted by brokeaspoke on Aug 15, 2013 - 10 answers

Dollar bills, y'all

Piggybacking on this question: I've had several friends who have had success with Dave Ramsey/FPU, but I don't like the emphasis on "biblical principles" (among other things). But because we get easily overwhelmed by too many options, I think we'd benefit from a really specific financial program that tells us exactly what to do, step by step. Other suggestions, or should we just suck it up and, uh, go with God? [more inside]
posted by Madamina on Jul 27, 2013 - 7 answers

How do I budget for a home purchase if I have a good amount of savings?

I'm looking to buy a home. I'm not wealthy enough to just buy something nice enough straight out, and I've got a decent idea of how much I could/should pay for a monthly mortgage payment, but over the years I've accrued more savings (in fairly low-interest places) than I'd likely put for a down payment. So how do I decide how much of my savings to put into what size of down payment (and, since I know how big of a mortgage I could pay, how do I decide how much I should spend on a house?). [more inside]
posted by davebug on Jul 8, 2013 - 13 answers

I need a hypothetical returns calculator for TSP funds.

I'm going to be taking a 6-month hiatus from contributing to my federal TSP (401K equivalent) account. I know exactly what I am currently contributing each paycheck, and to which funds as a percentage and an actual cash amount. I want to be able to calculate hypothetical returns from an arbitrary date so that I can be sure when I have actually made up for the losses incurred by the break. [more inside]
posted by jsturgill on Jul 4, 2013 - 4 answers

Combining married finances - is it wrong to want to pay my own debt off?

So, I feel like a weirdo because I've discovered that though my husband and I, who are recently married, still keep many of our finances separate, most other couples combine everything. Friends who I've discussed this with think it's strange that I am paying off my own student loans instead of it coming out of both our incomes. I think combining everything is a little strange and uncomfortable, and I feel like I should be responsible for my own debt. Are we going about things completely the wrong way? [more inside]
posted by emily37 on Jun 11, 2013 - 69 answers

Beating Inflation

I don't have a lot of debt or expenses, so my income keeps piling up in my checking account. Unfortunately, I don't know much about finance or investment. I want to make sure that I don't lose money year over year because of inflation, but pretty much all the CDs and savings accounts I've seen have an APY lower than the inflation rate (which is >= 1.5% according to various websites). I don't care about playing the stock market; all I want is to avoid losing my money through inaction. How do people in this situation keep up with inflation while at the same time minimizing their financial risk?
posted by archagon on May 16, 2013 - 15 answers

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