Recent content by Gl4del1ghter90

Honestly, I think the debt payoff planner is the best app out there. You know, the one with the blue icon and a white bird holding a stack of cash.

Yeah, we've got it set up with bills, savings, and spend accounts. Each week when we get paid, we fund the bills account it's based on our regular monthly bills multiplied by twelve, then divided by fifty two, and we round it up a bit for a cushion. Savings!gets a fixed weekly amount. Whatever’s...

Didn't realize medical costs and insurances were wasting money

Hey, so I’m a credit analyst at a big bank Capital One. Here’s what you do: call their customer service and ask for the hardship department. Just tell them straight up you’re going through a tough time because of health problems and a drop in income. They’ve got a hardship program or a temporary...

Honestly, I wouldn’t go with a trust. You mentioned money’s tight, and that’ll just add more costs like land tax, yearly trust tax returns, and fees for the trustee company. My take is, you should just trry to pick up more hours at work, cut back on interstate trips, and focus on clearing that...

Honestly, if you want to check if she controls any companies, you shhould do a director search through ASIC. Just so you know, there will be a fee for it. If you find out she's a director, you really should flag it with the CSA. I know some people think starting their own company is a solution...

Honestly, I keep that in my budget spreadsheet and make sure to pay it first. It's the same with every check just 10% of what I earn. After that, I take care of the rest of my bills.

Just wanted to check in and see if you've managed to work things out.

Staying consistent. It’s hard to stick with it week after week.

I personally use Moolahplan. It lets you create a budget and keep track of your expenses. Once you set up your bills, it sends you reminders so you never miss a due date. It’s only available on the web, but once you’ve got everything set up, those email reminders make it super easy to stay on...

Hey, so I don't use a ton of categories. I just take a few minutes each day or every other day to jot down how much I've spent in each one. At the end of the month, I add it all up. I'm a pen and paper kind of person, and that works perfectly for me.