Personal Finance
Budgeting, saving, debt management, and financial planning
answers
Best way to track monthly expenses without spending hours on spreadsheets?
I know I should be tracking my spending but every time I try, I give up after a week or two. Spreadsheets are tedious, and most budgeting apps want me...
answers
Bank closed my account with no explanation - is this legal?
Got a letter from Wells Fargo saying they're closing my accounts in 30 days. No reason given, just "we've decided to end our relationship." Ive been w...
answers
Balance transfer cards - worth it or just kicking the can down the road?
I have about ,500 on a card at 24.99% APR. I keep getting offers for 0% balance transfer cards for 18-21 months. The transfer fee is usually 3-5%. Is ...
answers
Car insurance went up 40% at renewal - is this normal or should I switch?
Ive been with Geico for 5 years, clean driving record, no claims. My renewal just came and its ,840/year up from ,320 last year. I called and they bas...
answers
Is the 50/30/20 budget rule realistic anymore?
Everyone recommends 50% needs, 30% wants, 20% savings. But my rent alone is 40% of my take home pay and I live in a modest apartment in a normal city ...
answers
How many bank accounts should I actually have?
I currently just have one checking account where everything goes - paycheck, bills, spending money, everything. My girlfriend thinks Im crazy and has ...
answers
How do I get out of k credit card debt without ruining my credit?
I made some really dumb decisions in my early 20s and racked up about ,000 across 4 credit cards. Interest rates are between 22-29% and minimum paymen...
answers
Do I actually need life insurance if Im single with no kids?
Im 28, single, no dependents. My job offers basic life insurance (1x salary) but people keep telling me I should buy more. Why would I need life insur...
answers
How do you actually stick to a budget? Ive tried everything
Ive downloaded every app - Mint, YNAB, spreadsheets, the envelope system. I make a budget at the beginning of each month and by week 2 its out the win...
answers
Is there any reason to use a big bank over an online bank anymore?
I have checking and savings at Chase because thats what my parents set up when I was a kid. But the savings rate is like 0.01% which is a joke. Online...