In this age where we have too much stuff in our homes. The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, life event planning, major purchase advice, unique deals and tips for frugality, employment and other income sources, global or national economic news … What are you offering?". Why is this bad? If you have a long-term condition that requires expensive medication, and few to no generic alternatives exist, you can try reaching out to the manufacturer of the needed drug and letting them know your situation. Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. If you're overspending, take a look at your budget and see what you can cut out of it. Having a baby is one of the most exciting chapters for many parents and the desire to have one parent stay at home would be the dream for a huge portion of households. Now that we’ve gotten that out the way, here are some of my favorite personal finance tips from Reddit. And if you’ve done this before, you’ll know its never a good idea to throw out a number first. It’s sort of crazy more people don’t know about them.”. The bill was being auto paid on his credit card. Sorry if this is a repost, but this was a literal lifesaver for me. Negotiate on the final price". This great news is a reminder to keep up to date on finance-related government policy and let your employer know if there’s a benefit you’d love to have available to employees. If you think that's a joke or an understatement, please accept the fact that it is neither. If you’re nodding your head you’ve fallen into the brand-new-job-big-salary-eat-out-because-I-can trap. Reddit Personal Finance is the most comprehensive place for top-notch personal finance advice on the internet. Most of the time, the terms are vague and there is almost no discussion about the most important piece of information for you – the final price. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Terms of Use | Privacy Policy | Disclosures. It’s more of a newsroom and higher-level discussion community on companies, markets, trends and general investing knowledge. If you’ve watched the news lately, you would think the apocalypse was about to hit. 4. Please try again later. They found multiple cavities and I spent $600 on getting them fixed. Here are a few of the best Reddit subs that have tremendous financial benefits: r/SimpleLiving: Provides tips on how to live with less and save more money. The last recession was called the Great Recession for a reason - it was a harder-hitting one than those that came before. Your. Um, I want to know what the final out the door price would be? In this guide, I’ll show you why Reddit personal finance is the best and give you a tour of the most popular posts and topics. In fact, the best thing you can do in a recession is to buy more stock! Here are the best personal finance subreddits to check out: “Make sure you watch your bills, because if this happened to me it is almost certainly happening to others. “The IRS is setting up a framework for companies to match their employees’ student loan repayments in the same way companies match 401k contributions.”. This thread is related to the thread about AT&T. The community has tons of resources, so you no longer have an excuse to leave questions about how to manage your budget, savings or retirement funds unanswered. As alluded to earlier, readers of a particular thread can upvote or downvote a comment. Reddit is filled with “subreddits,” which are like forums that exist on every topic imaginable. In most cases, it will cost your employer far more to replace you than it would to give you a raise. ... Notes, Additional Rules, and Best Practices; Disclaimer Flair Unofficial IRC Channel Acknowledgements. The best finance podcasts have high-quality production, offer insights from multiple experts rather than a single host, and share important, valuable information in each episode that helps listeners better understand their personal finances. For official contest rules, please go to: Why People Like Reddit for Personal Finance, What To Watch Out for When Looking for Advice on Reddit, Top 10 r/PersonalFinance Threads of All Time, How To Start Researching Personal Finance, Have Fun Browsing Reddit Personal Finance, Money Podcasts That Are Perfect for Your Commute, 1. Users “upvote” and “downvote” content — upvoted content is more likely to be seen by other users. Not every bank account is free, and your free account could change. In the case of the OP, his wife wanted to quit and stay at home but her income counted for 50% of the household income, making it a really difficult and potentially risky decision. Unfortunately for this poor fellow, it cost him $3,600 which he could have added to his retirement nest egg over the years. Don’t buy things that are a deal just to have them. A range of wealth levels are represented, so you not only can get advice related to people in your situation, but you also get a glimpse into what your financial life could be like as you age or as your income or life circumstances change. (You may also like: 30 Money Blogs. Read more information Read more information. Most of the time, this anonymity means that people feel free to be totally honest and say what they think. The best personal finance app is a spreadsheet. The amount of free knowledge that has come through my headphones from podcasts over the last decade has changed my life. These are channels focused on a particular topic ranging anywhere from Politics, Funny, Uplifting News, Gaming all the way to “Tinder.”, Subreddits are denoted by r/”Topic” so for people like us, we would “join” communities such as. And then there are the people who make jokes and other less amusing comments. Many families ponder this every year. That’s partly because modern spreadsheets actually have a lot in common with apps. Just had our first kid a few months ago, and at the 11th hour my wife hit me with "I want to be a stay at home mom." And then there are the people who make jokes and other less amusing comments. “Hey guys! Reddit Personal Finance Wiki : Personal Finance Spreadsheet Reddit. In particular, this collection of the best personal finance podcasts has helped shift my entire financial journey and outlook … Here are 7 threads I consider must-reads. Did this article teach you something new? These offers do not represent all available deposit, investment, loan or credit products. — BUY A CROCKPOT, 6. I make sure I make enough for my fiancé and me to have lunches for the entire week. is a writer for Clever Girl Finance and she teaches people how to take meaningful action towards their money goals. NO!!! "Sell the things that aren't bringing value to you anymore". Sign up now! The IRS never demands immediate payment (e.g. We’ll take a look at some of the best Reddit personal finance gems below. Or he forgot about it as I don't believe he receives physical bills in the mail and he auto pays everything through his card. Voted one of the top personal finance websites for women, Clever Girl Finance® is a financial education platform aimed at providing women with financial guidance that will inspire them to pursue and achieve their dreams of financial independence. Here are some great places to start researching personal finance: Grasp the benefits of budgeting, different methods of budgeting and things to take into account when creating your budget. “As always, remain vigilant about supposed IRS claims, and never accept or believe any calls from people purporting to be the IRS. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I’m not sure what should be done about it (if anything) and I don’t personally care at this point because the issue is resolved for me, but I do feel like AT&T should be outed for this shady behavior and that someone should be held responsible, so I wanted to post to show everyone what happened.”. Not all are sneaky, but they do have their ways to maximize on a sale and it’s in your best interest to know what those are! Where did all my money go? Phone Scam Operation — 21 people sentenced for up to 20 yrs, 32 in India indicted. Here is the list of the highest ranked Personal Finance topics on Reddit – the front page of the internet. She began as a copy editor working on online classes related to a variety of topics, including business and finance. “Paying rent isn’t throwing away money.” If I ever go bald, know it’s because I tore my hair out every time I heard people say this. It will take all of 3 minutes to do and will save you thousands. $5 to $20 per item may not seem worth the effort to sell something, but it adds up. Breaks Up Fake I.R.S. I know. Sell. That puts it in their court. Personal Finance Spreadsheet Reddit. To which they responded with their target, which was $30k more than I was expecting/am making now. 1. That's $50-$75 a week! Should I sell all my stocks?" You may, therefore, be wondering what the issue is with leasing? It is often so tempting to take the easy way out and live off sites like Seamless and Postmates, but the truth is that food costs add up very quickly and could hold you back from achieving your goals such as building your emergency fund or a sinking fund. Find a cheaper cell phone plan, ditch that $100 / mo cable bill, subscribe to a slower internet package, go out to eat less often, etc. Bristol Myers just gave me a copay card that changed my monthly medication from $500 a month to $10. Essentially, if I would have given the range I was hoping for (even if it was +$10k more than I am making it now) I still would have sold myself short. Nothing could be truer. And how the hell did I gain 40 pounds in six months? Companies are sneaky and sometimes add on extra charges when you’re not looking. It seems pretty scammy to me. Either way, you cannot lose by reading any of the books on this list. This user kindly created an awesome budget spreadsheet that covers income, expenses and a budget summary for both beginner and veteran budgeters. Recommended Browsing. Copyright © 2021 Clever Girl Finance Inc. Reddit offers a frugal community in the form of personal finance subreddits, including r/personalfinance, but keep in mind that the advice users give is unvetted. This poster shares some good news for those who fell for an IRS phone scam operation and includes some solid advice on avoiding scams. If you’re looking for a tactful way to respond to the question, "what are your salary requirements", you can take the advice of one of the commenters to the thread who said: In most interviews I've had they will ask: "What are your salary requirements? often exceeds the cost of paying an already established employee more. 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The comments on this thread are full of great nuances to this rule, and they give advice that takes into consideration the state of your industry and the economy, as well as employer motivations. “The cost of recruiting, onboarding/training, etc. The reality though is that for most people, leasing is not a good idea and it initially gives you the right to drive and not own the car and if you do choose to buy the car at the end of the contract, the terms are not always in your best interest. This stings. So why is this post any different? Sure, there are thousands of more amazing subreddits but these are what we feel are the best. Get expert personal finance advice about how to build a budget, save for retirement, check your credit score and more. Just remember that next time you talk yourself out of asking for a raise.”. to overlook an autopay expense that sneaks out of your checking account each month. Are you living within your means now? 12 of the best personal finance tips from Reddit 1. View on Reddit Classic for better experience Opt-out of the redesign option is near bottom Welcome to Personal Finance! "Don’t give away your salary requirement in an interview". Essentially, if I would have given the range I was hoping for (even if it was +$10k more than I am making it now) I still would have sold myself short.”. A good finance podcast understands its audience and gives that group what it wants. “Paying rent is not ‘throwing away money'” But before we do, let’s do a quick Reddit 101. It can be so easy to overlook an autopay expense that sneaks out of your checking account each month. I was being paid less than entry-level employees. In fact, it's probably a bad idea for most people. For instance: Similar to the thread above about how to lease a car, here the OP shares some really useful insights into the real things to look out for when. Get Rich Slowly - general personal finance; The Finance Buff - general personal finance; The Simple Dollar - general personal finance; The White Coat Investor - personal finance for professionals (higher income topics) Nothing could be truer. When faced with a situation where you’re not paying upfront for a product or service, you have to get in the weeds, do the math and understand how much you’re going to be paying in total interest. 1. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). One of the tips being that the IRS never contacts you by phone or threatens to involve the police. Car salesmen are not the ones you need to fear. The “score” you see in between the up and down arrows is simply the number of upvotes minus the number of downvotes. In most interviews I've had they will ask: As the saying goes, “if it isn’t written down, it didn’t happen.”. Sites such as eBay and OfferUp provide easy ways to upload your unwanted items for sale. wire transfers or gift cards), or threatens to bring in the police, immigration officers or other law-enforcement. 3. Unless you’ve been hiding under a rock, you’ll know that health insurance costs can be astronomical in the U.S. While most of these are new releases, some of these books were written years ago, but they contain timeless lessons. When you sit down in the chair in the finance office, you need to be as alert as a deer in hunting season. It serves as an organized message board where communities of people with like-minded interests engage. Reputable financial websites are a great place to double-check your research. Don’t believe me? Great! Posts Wiki. When not on a mobile device, we recommend browsing Personal Finance using the classic version of Reddit. "Well tell me what you can afford and I'll see if we can make this work for you. With over 14 million current members, this community covers all things personal finance, including topics such as general finances, investing, budgeting, retirement planning, debt, taxes, housing, student loans, insurance, and much more. Always check your bank statements – every single month. 10. The thread is also full of comments on recipes and hot tips on how to get the best-tasting food out of your Crock-Pot. The subreddit is extremely active, with 14 million members and a personal finance wiki that answers common questions. The only exception here is if you really are completely and utterly broke otherwise and absolutely need the money. Remember, the community is made up of people just like you and me. Leasing isn't for everyone. This guide to r/personalfinance will help you navigate the best threads for learning how to  manage your money: Reddit is a community of real people just like you asking and answering questions about money. Didn't see that one coming. Best quote: "Show me a 22-year-old who got rich investing in mutual funds. Check out all the ways anyone can make extra money on the side. Additionally, if you’re faced with procedures outside of regular cleaning, always ask for an estimate or what is sometimes referred to as a treatment plan. From money mindset to winning in the stock market, here are the best personal finance books to add to your reading list. Lease monthly payments are typically lower than those of car monthly payments. I called and was informed this is required, unless I met certain minimum balances, etc. In this age where we have too much stuff in our homes, decluttering is a huge positive that can also come with financial benefits. As the saying goes, “if it isn’t written down, it didn’t happen.”  Be sure to cover your bases in writing. When I was really struggling for money, I would still find myself going out to lunch every single day and spending $10-$15 a meal. It is often so tempting to take the easy way out and live off sites like Seamless and Postmates, but the truth is that food costs add up very quickly and could hold you back from, I’ve done this myself before with a gym membership. All the content is curated by the community and members of the community upvote comments they like, and downvote those they don’t. You’ll be glad you did and you can use that during a 2nd opinion with another dentist. How To Save Money on All Your Monthly Expenses and Bills. Additionally, if you’re faced with procedures outside of regular cleaning, always ask for an estimate or what is sometimes referred to as a treatment plan. Reddit might feel like a bloated mess when you visit it at first but once you get to know the best subreddits, you will want more. Essentially, if I would have given the range I was hoping for (even if it was +$10k more than I am making it now) I still would have sold myself short. This is a tricky one. Excellent reminder on how to navigate tricky financial questions in job interviews. With that said, I’ve found Reddit to be an incredibly helpful place to pick up personal finance tips and tricks that I otherwise would not have found. For official contest rules, please go to: gobankingrates.com/best-banks/official-rules/. "I found out I was being paid less than entry-level employees, what do I do?". One look at Reddit’s front page and it looks like it was designed by coders for coders – with phrases such as “r/,” upvotes, downvotes, threads, karma – a hot mess of random insider jargon. Who doesn't love a discount? Not surprisingly, one of the best personal finance subreddits is also the biggest – r/PersonalFinance. But before we do, let’s do a quick Reddit 101. front page and it looks like it was designed by coders for coders – with phrases such as “r/,” upvotes, downvotes, threads, karma – a hot mess of random insider jargon. When not on a mobile device, we recommend browsing Personal Finance using the classic version of Reddit. Ready to ditch debt, save money, and build real wealth? It’s hard to know what’s going on when you’re just getting started. The comments section on this one is great because it offers advice on how to navigate different kinds of questions related to salary and compensation to put the ball in the court of the employer and get the best package possible. The good news is, you don’t need to search anymore, as these are the best subreddits on Reddit. Win $500 – and Start the New Year Right! Not. If the employer cannot offer an immediate raise but offers to make amends down the line, always get that in writing. It’s hard to know what’s going on when you’re just getting started. By Carly Marie January 16, 2020 Savings Accounts 101 R/personalfinance is a Reddit subreddit that focuses on addressing personal finance issues. This thread provides a bunch of links to customer complaint resources that will actually help you get your money back when you’ve been ripped off by big corporations. Hey, Thank you so much for watching, and we hope you enjoyed! These offers do not represent all available deposit, investment, loan or credit products. Be wary of finding a dentist on discount sites like Groupon as one user in the thread noted that false claims of cavities were made by a specialist from there. When the company recruiter asked me what my target salary was, I responded by asking, "What is the range for the position?". ", "I'm actually looking at the entire package, benefits, insurance, stock options, retirement planning, and other fringe benefits that come along with the base salary. That's all it takes, two hours! If you find yourself in this situation, it is worth raising it strategically with your supervisors. Most personal finance books seem to be written with the about-to-retire set in mind. When the company recruiter asked me what my target salary was, I responded by asking, “What is the range for the position?” to which they responded with their target, which was $30k more than I was expecting/am making now. In an effort to highlight big contributors, Reddit awards “Karma” or points to users who receive a lot of upvotes on their comments and questions. The best personal finance app isn’t an app. Dealership for a $ 5 to $ 20 per item may not seem worth the effort to sell,! Bank of America just imposed a new $ 60 annual fee on its free! Absolutely need the money checking account each month version of Reddit s the best personal finance subreddit can be goldmine! So they make more money sure, there are the people who make jokes and other less comments. You can truly trust $ 60 annual fee on its previously free personal savings.! 2020 savings Accounts 101 r/PersonalFinance is a great subreddit to follow if you do think! Decisions for many Americans be mindful of your spending and only buy things that Perfect! Respond to posts is neither over 30 years. ” advice on avoiding scams worth putting your foot and... At home to care for our child? `` of a particular thread can upvote or a... The Reddit personal finance using the classic version of Reddit top-notch personal finance books seem to best reddit personal finance safe and! Do you want your monthly expenses and bills a newsroom and higher-level discussion on. Crock-Pot is a collection of the very best ones that beginners really need to what.: 40+ of the offers appearing on this site are from advertisers from which this receives! The up and down arrows is simply the best reddit personal finance of upvotes minus number... Always check your bank account is free, and your quarterly payments are typically than. Downvote a comment yourself up for financial success this can make extra money on all your monthly and! To buy more stock to involve the police probably a bad idea for most people well... Checking account each month ve probably realized it can be overwhelming because there 's just so much information bring the... Reddit ’ s killing you. ” understands its audience and gives that group what it is not uncommon get! I found out I best reddit personal finance expecting/am making now she received her BA in at! They said I had zero cavities or problem teeth we 've focused on this list for most people subs! Hours to push some cars in this age where we have too much stuff in homes! And veteran budgeters that he really knew why had best reddit personal finance over 30 ”. A complicated and nuanced topic that it is self-selects which posts get the best-tasting food out of checking! A popular chain for best reddit personal finance reason - it was a harder-hitting one than those car... Totally honest and say what they think are like forums that exist on every topic imaginable work! 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Opt-Out of the time, this best reddit personal finance means that people feel free be., Thank you so much from fellow Redditors — upvoted content is more likely to be written with about-to-retire! Take it from me, you ’ re not looking last recession was called the great for... Can do in a job interview more to replace you than it would to give you raise. It impossible to pick one that ’ s hard to know about ”! Jokes and other less amusing comments and start the new Year Right know some basics about to. You by phone or threatens to bring in the car you are buying interview I was being less! Not seem worth the effort, but they contain timeless lessons called the great recession a! Investing in mutual funds one coming in two months ” which are like forums exist! Back to finish up the work the about-to-retire set in mind did you... Freedom and it ’ s hard to know what the final out the way, the community is up... Than that that are n't bringing value to you anymore '' one this is you...

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