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WTF IS JANUS and why is it up >7000%
Hello All, I have one question. I was a fresher and joined one organization as external employee with third party payroll. I worked as external payroll for 1 year then I became permanent employee of organization was working. When i was a fresher my salary was below tax slab so my external exployer did not generate any form 16 for me. When tried to switch my new organization wants me to submit form 16 as BGC process. Will my offer get reverted?Cognizant Tata Consultancy HCL Technologies Accenture
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Only when I come across an large sum of money (over 1k) at once. So like a bonus or tax return
Even though my interest rate on my loan is higher than my HISA returns, it feels like I'm just throwing money away when I put it at my loans
I put a 1/3 of my annual bonus on it every year--five figures. I graduated from law school in 2015 and will be debt free by next year with this method.
Brother I obviously work in the wrong city/area of law. I did not even get a bonus this year despite meeting all of my targets. Send help.
No. I only have one federal loan and after paying the minimum payment for 20 or 25 years, the balance will be forgiven. Under the SAVE plan, loan payments are low, so any extra money goes to take care of my kids.
Yes, every month. I pay 3x my minimums at least. I’m paying a lump sum with my bonus and also with some I bond savings.
Planning to be done this year after 17 long years (bachelors + 2 grad degrees).
Yes, always always always. The amount varies and depends on my budget for the month, but paying down the principle is the best thing you can do for yourself to get out of debt quick. Your future self will thank you.
I struggle to do this but I hear ya
If you’re savvy in excel, you can use one of the saved templates to create an amortization table. Then you can play with the extra payments to see how much it will save you. This can give you more motivation if you see that you can make $XX extra payment each month to take off a few months of your term. My husband had 2 students loans with different interest rates. We created an amortization table for each. We were able to see how long we were supposed to pay extra towards the higher interest and save money, and then we saw when we were supposed to switch the extra payments to the lower interest loan to save more money. We make a payment twice a month. If your monthly payment is $300, make a $150 payment 15 days prior to the due date and another $150 payment close to your due date. This decreases your principal more often, which decreases the amount of interest you pay over the term. Not every lender allows partial payments. If your first payment is above your minimum monthly payment, then you don’t have to contact the lender.
No. I am not going to lie any time I get a bonus or any lump sum of money I put it in savings for a rainy day and don't put it towards debt like that.