NoFilterNoLimits
NoFilterNoLimits t1_jeeiwll wrote
Reply to comment by Sonarav in I spent too much money on a hobby and I'm feeling depressed and don't know what to do by Upbeat_Indication_54
Slippery slope indeed ā¦ itās become a line item in my monthly budget š. Though inflation threatens its funding
NoFilterNoLimits t1_jeed57e wrote
Reply to Is it unrealistic to put a down payment on a house within 2-3 years of saving by SecondaryKitty
This is just a budget question. You need a budget. How much do you need/want?
Letās say $50,000 in 3 years. Thatās $1388 a month. Can you save that monthly? Adjust accordingly. $30,000 is $833. This depends entirely on how much you need and how much you have left over monthly
NoFilterNoLimits t1_jeecv8g wrote
Reply to I spent too much money on a hobby and I'm feeling depressed and don't know what to do by Upbeat_Indication_54
The best thing I did for my relationship with money was form a zero based budget. It let me responsibly decide how much I could spend on frivolity without sacrificing big picture goals. Itās a very useful exercise, i highly recommend it.
There are several software options that can help you set it up - or Excel. I use YNAB4, but they donāt sell it anymore. I highly recommend it if you can find a copy online
There are a few similar systems I havenāt tried
r/actualbudget r/AspireBudgeting r/Budgetwithbuckets r/everydollar
The new r/YNAB is subscription based and IMHO, overpriced. There are threads there about alternatives from time to time
NoFilterNoLimits t1_jeeciqv wrote
Reply to comment by thredder in I spent too much money on a hobby and I'm feeling depressed and don't know what to do by Upbeat_Indication_54
They hold their value too well to be the culprit. Or so I tell myselfā¦
NoFilterNoLimits t1_j6n0hp9 wrote
Iād put the money towards the e-fund and get on YouTube for hair tips. I admit I have straight hair but that seems like a crazy amount to āneedā to spend on a haircut
NoFilterNoLimits t1_j6kkex2 wrote
Reply to comment by 123456478965413846 in I have a financed car and less than 30 days before navy basic training. by octotron3000
Dāoh. It was too early for me to be reading correctly
Iād still get a quote before trusting KBB in this market
NoFilterNoLimits t1_j6ictz4 wrote
Reply to comment by Throwaway61057 in Graduate student in a bind, seeking help by Throwaway61057
What about a low paying side job? Seems like any side job would help here
NoFilterNoLimits t1_j6i3roo wrote
Reply to comment by octotron3000 in I have a financed car and less than 30 days before navy basic training. by octotron3000
Have you even tried to sell it yet? Try. Based on the KBB values you posted, itās entirely possible you break even. Donāt hold the car for 7 more months while it depreciates because you assume youāll get under 18k now. You said KBB goes as high as 22k. It doesnāt cost you a dime to take it by Carmax or Carvana and at least find out.
Make your decisions with facts, not assumptions
NoFilterNoLimits t1_j6i36p4 wrote
Reply to comment by Throwaway61057 in Graduate student in a bind, seeking help by Throwaway61057
Can you find a side job there teaching English? That typically doesnāt actually require you to be proficient in the language your students speak, oddly. Iāve had many US students support themselves for a year or two in Asia by teaching English as a foreign language
NoFilterNoLimits t1_j2fa41z wrote
Reply to The World Needs to Know by crabadabb
It honestly sounds like you mistakenly opened a dispute instead of an actual fraud investigation. Which is a common mistake
NoFilterNoLimits t1_j2b0ihl wrote
Reply to comment by Kim-Il-Dong in Is there some kind of nationwide credit card shortage? by Apcd1997
It was tragic. Now I have no choice but to plan another trip so I can utilize it š
NoFilterNoLimits t1_j2adlz6 wrote
Reply to Should I be claimed as a dependent or not? by [deleted]
Itās actually not up to you. The IRS has rules that decide
https://www.irs.gov/help/ita/whom-may-i-claim-as-a-dependent
Iād suggest filling out their worksheet
NoFilterNoLimits t1_j2a9xec wrote
My Chase Disney was delayed too and I only even got it for the merchandise/dining cardholder discount on a trip thatās already over š
So you arenāt alone
NoFilterNoLimits t1_j2a45a9 wrote
Reply to Do my parents "need" to do their taxes? by Zerole00
Double check with SSA but the default is to not withhold taxes from that, so in most cases they do not need to file and would get nothing back
But, itās always easy to answer the questions on FreeTaxUSA and see what the actual return would be. It costs nothing but a little time
NoFilterNoLimits t1_iye5ssj wrote
Reply to comment by Sheppard47 in Going back to school worth it? by [deleted]
I really enjoyed the quality of life in the RTP area in NC
NoFilterNoLimits t1_iydztk3 wrote
Reply to comment by toss37472834 in Please convince me that I should live at home for a year. by [deleted]
The older I get, the more I value those relationships.
NoFilterNoLimits t1_iydxmiv wrote
Reply to comment by Mattatah in Please convince me that I should live at home for a year. by [deleted]
So much this.
If OP has a good relationship with their parents the time can be such a blessing
NoFilterNoLimits t1_iydwr24 wrote
Reply to comment by gangstashit818 in Going back to school worth it? by [deleted]
Yes, itās definitely a broke life, without a partner to subsidize. š Iām not familiar enough with the field to say if it pays off over earning experience
NoFilterNoLimits t1_iydwha8 wrote
Reply to comment by gangstashit818 in Going back to school worth it? by [deleted]
Definitely only do it if the program will fund you.
NoFilterNoLimits t1_iydwe0k wrote
Reply to comment by gangstashit818 in Going back to school worth it? by [deleted]
Awesome. Then Iād just focus on excelling in your current role & always looking for better jobs in the field
NoFilterNoLimits t1_iydvyea wrote
Reply to comment by Rxpert83 in Going back to school worth it? by [deleted]
Bonus points - Ph.D programs are usually funded w/stipend.
NoFilterNoLimits t1_iyds3b6 wrote
Reply to Going back to school worth it? by [deleted]
Sometimes taking entry level jobs is a good financial choice because of the growth potential in the career. So Iām not sure I agree with your decision to ignore the career field your existing degrees opened for you.
NoFilterNoLimits t1_iydqt5o wrote
This sounds like a timeshare ā¦
NoFilterNoLimits t1_iydmtgz wrote
What are the things you could do with 40k?
Have a downpayment for a home
Have a chunk of cash to invest and begin growing wealth.
Have a downpayment for a duplex and begin house hacking
Take a journey around the world
Piss it away at roulette (donāt recommend)
If you can do this, itās a great opportunity to set your adult life off on a great foot. The wiki has a lot of great advice
NoFilterNoLimits t1_jeenjym wrote
Reply to comment by Sonarav in I spent too much money on a hobby and I'm feeling depressed and don't know what to do by Upbeat_Indication_54
The World Map is hanging on my wall š
I can usually hold out on the new sets but when something I want is retiring I struggle to help myself. Iāve bought a few retired sets and I donāt wanna fall down that rabbit hole.
Lego Masters definitely doesnāt help! I follow too many Lego YT channels too.