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2
votes
1answer
116 views

Credit Card Offer Wording?

I saw an adv for a credit card that I liked the benefits on. The Chase Freedom Unlimited card (in the US) will do exactly what I need it to at a reasonable APR, but some of the wording really confused ...
3
votes
2answers
74 views

How do I evaluate reasonability of home improvement projects?

Assuming that I could afford to make improvements to my home, how do I evaluate whether a project is worth undertaking and not too expensive for the value of my home? I'm not running my household as ...
7
votes
5answers
1k views

How much of my spendable income should I set aside for travel and tourism?

Some indications about my income and expenditure patterns may be in order. I save more than 50% of my salary and I earn about 5 times the minimum wage in my country. I am in my early forties. I am ...
10
votes
9answers
3k views

Why do people buy new cars they can not afford? [closed]

This question in particular refers to the U.S. It has always baffled me and I am looking for diverse viewpoints to help understand the issue. Every day as I drive to work I see lots of new cars. US ...
13
votes
10answers
2k views

How can I enforce saving when I have a very limited income?

I have a very limited income (unfortunately) and have found I am practically incapable of saving. What are the best methods to enforce saving, however still have access to the money if required? Here ...
2
votes
1answer
88 views

What should be involved in a monthly family budget meeting?

My nephew just got married. I gave him my usual advice to use a monthly budget. He admitted that he's tried to keep a budget before, but he hasn't ever succeeded in forming a long-term habit of ...
1
vote
1answer
280 views

Why aren't there solutions for electronic itemized receipt for retail in-store purchases? [closed]

This is a personal finance question related to retail shopping. I am wondering why, with the evolution of the Web and relatively well-established credit card payment system, there is still no widely ...
2
votes
1answer
266 views

Total Yearly Expenditures for a Single Person in the USA

I recently calculated every single penny I spent in 2014 (literally everything). Let's round up and say the total came to $21,000. I would like to know where I stand in terms of spending. I was trying ...
64
votes
15answers
11k views

How to spend more? (AKA, how to avoid being a miser)

I was blessed growing up to have a father that greatly impressed upon me the need to save. I am very thankful for his influence, it has allowed me to make smart decisions with my money and I am ...
28
votes
8answers
7k views

What are some creative ways to run up my credit card bill without any cost to me?

I got a new credit card with a very large signup bonus - as long as a minimum amount is spent on the card in the first 3 months. I usually don't go for things like this but in this case the bonus is ...
2
votes
3answers
4k views

“Inflation actually causes people not to spend”… could it be true? [closed]

Oasis Jnr claims that if inflation is high, consumers do not spend, because the high prices does not attract them: ...if inflation occurs then prices rise which will affect consumer spending ...
1
vote
2answers
195 views

Considerations for taking a sizable break from working

The Proposition From time to time, my wife and I consider the "foolish" idea of leaving our jobs (and, likely, careers) and taking a sizable chunk of time off from working, or at least working in the ...
0
votes
1answer
163 views

When are checks are preferred over cash, and when cash is preferred over checks?

Checks are not guaranteed to be cashed, as the payer's account may not have enough money at the time of cashing, and the payer may not know when the payee is going to cash the check. When that happen, ...
1
vote
3answers
969 views

How to budget or gain control of daily spending if suffering from OCD (Obsessive-Compulsive Disorder)?

I want to get better at saving money as I am a spendthrift. I am not always able to control myself since I suffer from Obsessive Compulsive Disorder (OCD). I am not able to spend money wisely since ...
6
votes
5answers
642 views

What should my finances look like at 18?

So, I'm 18, making 50k+ a year. Living at home for now, and thankfully that's not costing me anything. Not going back to school next year, and I have no loans to pay off. Right now, I kinda suck at ...
27
votes
11answers
2k views

I'm only spending roughly half of what I earn; should I spend more?

around 6 months ago I started this job. Around 3 months ago while reading this very website I downloaded a budgeting software and started writing down everything I earned and spent, and I noticed I'm ...
6
votes
4answers
331 views

How can I spend less?

I was raised in a lower class family, and we never really had money for anything we wanted. Now, years later, I have a job and I feel like I can't stop spending. I see myself buying useless things and ...
2
votes
2answers
7k views

Can you recommend good Excel spreadsheet templates for tracking spending?

I did use Microsoft Money to track my spending couple of years ago, then I switched to paper and pen and then switch to online money sites such as Wesabe, but none of them really worked out. The ...
10
votes
9answers
352 views

How can I avoid going deep into debt during the holiday season?

The holiday season is just around the corner. The shopping malls are especially eager – Christmas trees, lights, and decorations have been up for weeks, all to get us in the mood to spend, ...
11
votes
4answers
724 views

Where can I find an example of a really basic family budget?

It's about time that I took my family's finances seriously and built a budget. I'd rather not start from scratch, and am thinking, "surely, I can benefit from someone else's work?" - can someone ...