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Money Management

Discussion and tips on sound money management.

4597 topics in this forum

  1. Pinned topics

  2. Snowball Spreadsheet

    By Guest Bree82,
    • 5 replies
    • 17.8k views

  4. Money Management Tools 1 2

    By Gingerly,
    • 28 replies
    • 45.4k views

  5. Here is what I do to have $50 extra a month for c.c payments 1 2 3 4 9

    By butterflywings,
    • 222 replies
    • 115.1k views

  6. Budgeting and saving money, the mother thread... 1 2 3

    By foshizzle,
    • 53 replies
    • 59.2k views

  7. Menus and programs to feed entire family CHEAP each month

    By DragonFlyer,
    • 14 replies
    • 19.2k views

  8. Welcome!

    By radi8,
    • 8 replies
    • 15.1k views

  9. Budgeting 101 1 2

    By radi8,
    • 28 replies
    • 35.2k views

  10. Reducing expenses 1 2 3

    By JaCC,
    • 53 replies
    • 52.2k views

  11. Debt Snowball spreadsheets 1 2

    By radi8,
    • 30 replies
    • 48.5k views

  12. Another Snowball Helper

    By Erica,
    • 2 replies
    • 16.5k views

  13. ANNOUNCEMENT: The official CB policy on "no credit" financial advice

    By CargoJon,
    • 0 replies
    • 14.7k views

  14. Other topics

  15. Last year, I paid AmEx $1131.85

    By Sidewinder,
    • 0 replies
    • 260 views

  16. Why Do Businesses Still Use Paper Checks?

    By hegemony,
    • 0 replies
    • 99 views

  17. High yield checking account suggestions?

    By SweetSecretSW,
    • 1 reply
    • 630 views

  18. How do you keep track of your personal finances?

    By michaelmorgan,
    • 2 replies
    • 886 views

  19. 60/40: This investing tactic was left for dead but is about to make a comeback

    By hegemony,
    • 5 replies
    • 2k views

  20. Received a loan with a high interest but have the chance to pay off credit cards - - help !

    By TheCruiseMermaid,
    • 2 replies
    • 1k views

  21. I shall sue Charles Schwab for 18¢

    By Sidewinder,
    • 7 replies
    • 3.2k views

  22. The tracking y management of paper receipts

    By Sidewinder,
    • 3 replies
    • 896 views

  23. Now I owe $650 to the IR

    By Sidewinder,
    • 2 replies
    • 903 views

  24. I require the services of a notary

    By Sidewinder,
    • 3 replies
    • 1.1k views

  25. Stock from a previous employer as 401k...

    By neonhomer,
    • 2 replies
    • 971 views

  26. Current rules for RMD's from old-ish Inherited IRA's

    By Sidewinder,
    • 2 replies
    • 1.2k views

  27. No Pension, Not Going to Date (article)

    By Burgerwars,
    • 4 replies
    • 1.3k views

  28. Is this written by AI or what?

    By Burgerwars,
    • 0 replies
    • 849 views

  29. What is wrong with this plan

    By Sidewinder,
    • 4 replies
    • 1.4k views

  30. Historic bank buildings

    By Sidewinder,
    • 1 reply
    • 1.7k views

  31. Auto insurance installment payments

    By hdporter,
    • 5 replies
    • 1.2k views

  32. Entire account frozen due to one (legit) deposit

    By Sidewinder,
    • 1 reply
    • 1k views

  33. Savings accounts

    By zpcsc,
    • 3 replies
    • 1.2k views

  34. I opened a checking account at Associated Bank today

    By Sidewinder,
    • 3 replies
    • 1.2k views

  35. Making Money When It Rains Iguanas

    By hegemony,
    • 4 replies
    • 1.7k views

  36. I shall have my revenge on Dollar

    By Sidewinder,
    • 4 replies
    • 1.3k views

  37. I borrowed $500,000 from friends and family to invest in the stock market, foolishly promising a 10% return. Can I avoid legal action?

    By hegemony,
    • 2 replies
    • 1.6k views

  38. Savings Bonds

    By Burgerwars,
    • 3 replies
    • 1.7k views

  39. Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment

    By hegemony,
    • 1 reply
    • 1.4k views

  40. Here Is the Average 401(k) Contribution Rate -- The Amount May Surprise You (Hint: There's No Surprise)

    By Burgerwars,
    • 2 replies
    • 1.4k views

  41. We have $2 million for retirement and want to spend every single dollar before we die

    By hegemony,
    • 4 replies
    • 1.6k views

  42. Summer intern’s commute goes viral: She flies from South Carolina to New Jersey because it’s cheaper than renting.

    By Burgerwars,
    • 1 reply
    • 1.1k views

  43. Why this self-made millionaire still drives the 18-year-old car he bought in 2005: I only ‘spend extravagantly’ on things I love

    By hegemony,
    • 1 reply
    • 1.3k views

  44. The economy was supposed to cave in by now. It hasn’t — and GDP is set to rise again.

    By hegemony,
    • 0 replies
    • 1.1k views

  45. Fake U.S. Savings Bonds Leads to $50 Million in Losses

    By Burgerwars,
    • 0 replies
    • 1k views

  46. Binance.US Becomes a Crypto Only Exchange

    By Burgerwars,
    • 2 replies
    • 1.4k views

  47. Settlement

    By Lclutse,
    • 16 replies
    • 2.6k views

  48. Seven Types of Insurance That Are Usually a Waste of Money

    By hegemony,
    • 1 reply
    • 1.1k views

  49. what is hegemony buying (and selling)? 1 2 3 4 5

    By hegemony,
    • 119 replies
    • 26.4k views

  50. The story of my BofA dispute

    By Sidewinder,
    • 4 replies
    • 1.5k views

  51. SEC formally sues cryptocurrency company Ripple

    By hegemony,
    • 2 replies
    • 2.8k views

  52. Binance.US Calls Off Voyager Crypto Deal

    By Burgerwars,
    • 0 replies
    • 1.2k views

  53. Robo-advisor Betterment settles tax charges with SEC for $9 million

    By hegemony,
    • 0 replies
    • 1.2k views

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  • Our picks

    • Collections, but Comcast didn't let me pay.

      FixTheProblems posted a topic in Credit Forum,

      Hello good folks,
       
      Background: last October, Comcast locked my account because *a stranger* (mistakenly) paid for it with a credit card, and later disputed the charge with their credit card company and did a chargeback. Comcast made it so I couldn't use any type of credit/debit cards to pay. It took some give months to even expose this issue, as agents didn't know why my account was locked. I cancelled my account but they still wouldn't let me pay. Eventually, they sent it to collections, which very promptly hit my credit history with a "Collections" derogratory record.
       
      Unfortunate timing, because I'm in the market right now for a mortgage. Without this note, my credit history is close to perfect, with FICO8 of 835+, and VantageScore3 of 810+.  With this, the scores drop to about 710 and 760 respectively. Meaning, either mortgage denial or higher interest rate, leading to huge sums wasted.
       
      My questions are:
      1) What is the best way to get this rectified and get this record off my history?  
                  - Is it possible to do a "pay for delete"?  
                  - Should I be talking to Comcast or to the collections agency?  
                  - Is there something I need to to in the interim, like disputing the record?  
                  - What would be the fastest way to deal with this? Ideally, I want to apply for a mortgage in the next week if possible. If not possible, in the next 3-8 weeks.  
       
      2) Are there particular mortgage lenders that use a more favorable scoring so this one single negative record doesn't hurt my mortgage rate?  
                  - My understanding is, FICO8 has this 120+ point drop for the first negative record, while other scores (like VantageScore3) doesn't drop so dramatically. Is this correct?
       
      Thank you very much in advance.
      • 67 replies
      MarvBear

      Picked By

      MarvBear,

    • Titty Bank Wants More Smoke

      RehabbingANDBlabbing posted a topic in Credit Forum,

      So my DH had a Citi/Best Buy card that was charged off in 2017. After beginning our credit repair process, I noticed the account was reporting the payment history inaccurately on Equifax and Experian. We disputed many times, then ended up suing them for FCRA violations. They settled the case by forgiving the debt and deleting the account from all reports.
       
      But now they’re back! In 2020, they sent us a 1099-C for an amount just a little bit shy of the balance. I believe it was just the principal balance, which amounted to $4,600. Well, as you know, it’s tax season. And who decides to send us another 1099-C for the same account/debt? Titty bank. They put the full amount of the debt this time; which was about $600 more than the first 1099-C they sent.
       
      I have consulted my lawyer because it seems illegal for them to write off the same debt twice. He has advised we should sue them again. While I’m sure we can win the case, litigation and settlement takes about a year to do, based on our past experiences. It ended up costing us an extra $1,200 in taxes this year. What do y’all think? Should we spend more time and effort on this situation? I’m pretty sure Titty also violated terms in our settlement agreement for the FCRA case as well, in regards to them not pursuing further collection activity.
       
      Any advice would be appreciated.
      • 24 replies
      MarvBear

      Picked By

      MarvBear,

    • American Express Member Since

      MP80 posted a topic in Credit Forum,

      I have come across a credit topic involving data point information that concerns AmEx's D* policy (which no longer exists) which triggered and raises an important question that may be of interest to anyone who has an AmEx credit card in their relationship history with AmEx.

      This is to give credit and courtesy to an excerpt from the @cashnocredit post...
       
       
      "I had an Amex in 1974, which closed in the early 80s. Opened a new one in 2011 but they didn't backdate me then. Had no record of it (which was always paid on time)."
       
      Question? 
       
      Does AmEx have all your previous applications and cards approved and store all positive and negative data indefinitely?
       
      • 42 replies
      MarvBear

      Picked By

      MarvBear,

    • Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition

      TheVig posted a topic in Credit Forum,

      I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.
       
      Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.
       
      Credit Cards:
      Amex Gold & Every Day MR 441,390
      Amex Delta SkyMiles 205,415
      Citi MileUp MC American Airlines 69,345
      FNBO Amtrak Guest Rewards MC 135,948
      Chase CSP / CFU Signature Visa UR 101,559
      Chase IHG Traveler MC 66,064
      BofA Customized Cash Rewards Visa (3% Travel) $0.88
      Citi Double Cash MC (2% CB / TYP Everything) 21,186
      Citi Premier MC Thank You Points 34,280
      Choice Privileges Visa Signature 360,660
      WF Active Cash Signature Visa (2% CB Everything) $87.44
       
      Shopping Portals and Apps / Stacking Opportunities:
      DOSH (CB) $18.56
      Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857
      Fetch Rewards (GC) 27,439 Points
      Ibotta (CB or GC) $7.65
      Upside (CB or GC) $14.15
      CoinOut (CB or GC) $8.65
      Payce (CB) $18.97
      Receipt Hog (CB or GC) 3156 Coins
      Receipt Jar (GC) 2013 Points
      Receipt Pal (GC) 4725 Points
      Shell Fuel Rewards (Earning AA Miles 2miles/gal.)
      Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)
      AA Simply Miles
      Airline / Hotel Dining and Shopping Portals
       
       
      • 170 replies
      MarvBear

      Picked By

      MarvBear,

    • When will this last baddie actually drop off??

      tps7c posted a topic in Credit Forum,

      Hi Everyone!
       
      I have one last bad account, unfortunately a repo, that is still on my Experian and Equifax reports. Before Experian changed their report format, at some point last year the repo account said "on report until April 2023." Well, it's April and it's still showing. Could it be until the END of April? Would it be worth calling Experian's backdoor number and asking about it? Maybe sweet talking them to delete it early? lol
       
      What do you guys think? In comparison, this account was scheduled to drop off my Transunion report in January and was gone in December. Equifax is the worst and it show dropping from the report in July. 
       
      Thanks guys!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
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