I made a spreadsheet for people who don’t know how to budget! Here are 7 threads I consider must-reads. Or for insurance purposes, you cannot compare that policy vs another one. For everyone shopping on Amazon’s Prime Day: “savings” from sales aren’t savings if you weren’t already planning on buying the item. In the meantime, I got a new job that offered dental insurance. And it’s completely anonymous — you don’t even need an email to create an account. 1. So how much are you looking to pay a month?". That's all it takes, two hours! In this age where we have too much stuff in our homes, decluttering is a huge positive that can also come with financial benefits. Unfortunately, there are people on Reddit — sometimes referred to as trolls — who aren’t looking out for your best interests, or who don’t know what they’re talking about, so it’s always best to double-check everything someone tells you in order to ensure it’s factual. Best quote: "Show me a 22-year-old who got rich investing in mutual funds. I went to a second office just to be safe, and they said the same thing. Negotiate on the final price". It’s sort of crazy more people don’t know about them.”. Or he forgot about it as I don't believe he receives physical bills in the mail and he auto pays everything through his card. Because regular people ask questions on regular problems and the answers often come from people who’ve walked that journey before. If you’re nodding your head you’ve fallen into the brand-new-job-big-salary-eat-out-because-I-can trap. It’s important to pay attention to changes in charges and fees on your bills – and also on your bank accounts. They found multiple cavities and I spent $600 on getting them fixed. Who doesn't love a discount? last year I made a spreadsheet to help myself budget — I’m terrible at sticking to a budget so I made a sheet that breaks it down so that I just have the ability to break it down to a daily manageable amount.”. The best personal finance app isn’t an app. In this way, the community self-selects which posts get the most attention. Best blogs have also If the employer cannot offer an immediate raise but offers to make amends down the line, always get that in writing. And due to the sheer volume of people that come together, it means there are bound to be experts lurking with smart answers. "If you have an expensive prescription, contact the manufacturer and tell them you can't afford it". 1. "Sell the things that aren't bringing value to you anymore". Reddit Personal Finance Wiki : Personal Finance Spreadsheet Reddit. Similar to the thread above about how to lease a car, here the OP shares some really useful insights into the real things to look out for when buying a car. It’s hard to know what’s going on when you’re just getting started. Because you cannot compare apples to apples with just a monthly payment. Why is this bad? Breaks Up Fake I.R.S. The bill was being auto paid on his credit card. © 2021 GOBankingRates. Nothing could be truer. But don’t give up on it because the platform is incredibly powerful. Terms of Use | Privacy Policy | Disclosures. One of the tips being that the IRS never contacts you by phone or threatens to involve the police. I know. This thread is related to the thread about AT&T. That's all … While most of these are new releases, some of these books were written years ago, but they contain timeless lessons. View on Reddit Classic for better experience Opt-out of the redesign option is near bottom. The IRS never demands immediate payment (e.g. You’ll be glad you did and you can use that during a 2, Whatever a family decides to do, it is important that a. A range of wealth levels are represented, so you not only can get advice related to people in your situation, but you also get a glimpse into what your financial life could be like as you age or as your income or life circumstances change. Learning About Personal Finance via Reddit. What are you offering?". But tons of advice is out there for you to tap into. This thread provides a bunch of links to customer complaint resources that will actually help you get your money back when you’ve been ripped off by big corporations. If you’re ripped off by Comcast (or any internet company), Wells Fargo (or any bank/student lender), or Aetna (or any health insurance company), here’s how to get your money back. Many families ponder this every year. From money mindset to winning in the stock market, here are the best personal finance books to add to your reading list. The Reddit personal finance subreddit can be an interesting place. This thread spills all the details on how using a Crock-Pot is a great introduction to cooking at home to save money. When you sign-up to receive bi-weekly email updates from GOBankingRates, you’ll automatically be entered for a chance to win our $500 #BestBanksBestYou sweepstakes. She received her BA in English at Florida State University in 2015 and got her start working in the eLearning industry. IRS will allow employers to match their employees’ student loan repayments, How To Find the Best Financial Advisor for You, Retirees Confess What They Wish They’d Done With Their Money, Survey: 65% of Americans Would Turn Down an All-Expenses-Paid Cruise, 51% of Us Want to Fix Our Finances in 2021 – Here Are America’s Top Money Resolutions, I Put 50% of My Income Into Savings — Here’s How, 60 Money Moves That Could Set You Up for Life, 12 Essential Money Tips for Every Phase of Your Financial Life, Here’s How Much of Your Paycheck You Should Save Each Month, These 47 Billionaires Got Richer During the Pandemic. All the content is curated by the community and members of the community upvote comments they like, and downvote those they don’t. Specifically, a modern, cloud-based spreadsheet like Google Sheets and Microsoft Excel. Leasing essentially lets you rent a new car from a dealership for a fixed amount of time. This is one of my favorite threads. The main downside of leasing is that you’re essentially paying your hard-earned dollars to simply drive a car you don’t own. Keep in mind that most advice you’ll find on various subreddits come from people sharing their own stories, opinions, and experiences. Just had our first kid a few months ago, and at the 11th hour my wife hit me with "I want to be a stay at home mom." After a really long post, some users will provide a one or two-sentence summary and preface it with TL;DR for the readers who found the original post too long to read. She later moved into content marketing and SEO strategy. When I was really struggling for money, I would still find myself going out to lunch every single day and spending $10-$15 a meal. As this is the hub of all personal finance Reddit tips, there are seriously a TON of amazingly useful articles. Reputable financial websites are a great place to double-check your research. The comments section on this one is great because it offers advice on how to navigate different kinds of questions related to salary and compensation to put the ball in the court of the employer and get the best package possible. And if you’ve done this before, you’ll know its never a good idea to throw out a number first. It also makes it a safe place to ask questions without fear of judgment or lack of privacy. “Paying rent is not ‘throwing away money'” We've focused on this at our house and have made a couple hundred bucks now. For instance: - Car dealership, "So what do you want your monthly payment to be?". It is no fun to confidently sign up for a position only to discover down the road that others junior to you are being paid more. Now that we’ve gotten that out the way, here are some of my favorite personal finance tips from Reddit. I called and was informed this is required, unless I met certain minimum balances, etc. And it isn’t a desktop computer program. For official contest rules, please go to: gobankingrates.com/best-banks/official-rules/. Sell. Best Personal Finance Reddit post. But take it from me, you can learn so much from fellow Redditors. Unless you’ve been hiding under a rock, you’ll know that health insurance costs can be astronomical in the U.S. Quick Reminder To Not Give Away Your Salary Requirement in a Job Interview. Budget spreadsheet that covers income, expenses and a budget you can offer! Finance office, you can not compare apples to apples with just monthly. You so much from fellow Redditors community is made up of people with like-minded engage... 10.... 15 years on recipes and hot tips on how using a Crock-Pot is a subreddit. A budget summary for both beginner and veteran budgeters addition to the sheer volume of people with like-minded engage... Of all personal finance she teaches people how to save money ( you may like... 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