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Hi Fishes, I recently joined Pwc AC and was informed to update my checkpoint portfolio where we update all our investments. If we have some investments and if we do not declare them, will it be a problem or can I update it as Nothing to report. Recently I joined here so I'm having some confusion regarding this.
Any good ETFs to invest Roth into?
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Ladies be careful.
Is IBM hiring? What other consulting firms are?
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I had like $13k and I recently brought it to $0 by making some lifestyle changes for a few months.
1) Stop eating out. If you're local, learn how to cook. I used Amazon fresh and a crock pot and brought my food expenses down substantially.
2) Only use cash at bars. Once you're drunk you have no clue what's going on with your tab. Every weekend night I'd easily ring up $100-$125, now I only use cash and can get away with about half that. I also started drinking more beer in bars instead of mixed drinks.
3) Change your standard of living if you can. Roommates if it makes sense, sell your car and buy a beater. If you're only using your car a few days a week do you really need that 3 series?
Hope this helps!
Just start drinking straight alcohol, it's the cheapest and it's pretty easy to develop a taste for it if you start to really get to know one liquor type. I'm a bourbon drinker, some people like white rum, etc
Dude it's ok. Me too, living in NYC and about the same in cc debt due to grad school/shitty New York expenses that people who live elsewhere don't quite understand. I'd recommend you bite the bullet and reduce your spending drastically for a year or two, pay it down and be done. Your peace of mind is worth everything
No, fuck you. You must live in Omaha
Do not carry credit card debt
20 here. For the last year my father suffered from a drug and alcohol problem after my mom died. Had to keep him from loosing his home to the state for failing to pay taxes. I had to take him in for a bit and eventually him in rehab. My dad is 65. Everyone's situation is unique. Never feel bad or let anyone tell you that your living wrong. Just do what you can.
Agree with many that if you can control spending and pay it off over the next year, you will be fine. I'll say the one thing I would tell me 10 years ago is to save more and screw my "friends" who feel like they need to show how big their job is by spending $$ on silly stuff. Coachella is not that cool, ya know.
Yeah that's a lot. Geez
Don't you have independence policies that prohibit over $5k in credit card debt?
Right the ship, get Chase Slate, pay down before rate expires.
D3-that only applies to cards issued by restricted entities.
45k, same as BCG1, wife stayed home with our 6yo, a couple medical things, blah blah now working it down. Stupid decisions...
I've known people that put $100k/month on their Amex
$1,600.
4K
I owe $800 on one, $140 on another, $415 on another and $690 on another. So about 2K. I pay half on three of these every two weeks I get paid. And $100 on the last one every two weeks. I think I'm on a pretty good path honestly lol.
I had some unexpected expenses and owe about 10K. Transferred it to a zero balance card for 18 months and am going to pay off
It's a she and not a he. I am feeling generous tonight, maybe I'll gift you social etiquette 101 lessons.
@D8 it's easy to forget how tempting they are. I am not guilty of spending above my means, but you could make the same attack at me about eating unhealthy food. I may be smart enough to understand how outrageously high the calorie count is for a piece of cheesecake, but I'm still gonna eat it.
It's called being American
This is where the credit card industry makes their money.
Everyone here makes decent money. Emergencies aside, if people make poot decisions with their money, that's on them