The article is talking about retirement savings. You shouldn’t have a non-retirement account for retirement savings until you’ve maxed out other options. Nowhere did the article say you can’t have one if you’re saving for other things.
As an underwriter - the credit decider- I’ll say this: your credit score is a themometer. It is not a thermostat. Live wisely financially and don’t worry about increasing your credit score by a few dozen points. Things like how long you have worked at your current job and the previous one, or whether you own a home,…
That’s way oversimplifying it. You can have no debt and a great credit score. It’s more like “oh, nobody’s ever loaned you money? We won’t either.”
Equity compensation at startups can be a really difficult thing to evaluate for job candidates, whether kids fresh out of college (who don’t understand them at all) or veteran workers who had spent their career at larger/older companies (who confuse them with stock options you’d get at a public company). The problem…
A lot of folks don’t realize you can use the funds from a 529 plan on your own education if the child ends up not going to college!
If you don’t need unlimited data, or, say, more than 3 gigs data max, Republic Wireless. Bonus, it makes and receives calls over WIFI, and will hand-off from a wifi router to a cell tower, even during a call. Your handset will always favor WIFI.
Yeah, I think data is the biggest hurdle for most. I have Pre-pay-as-you-go with T-mobile, and I average about $15/mo (I get a $30 or $40 card every two months or so), but that also includes absolutely no data at all.
I think I may have everyone beat, but my usage is WAY low. I use PagePlus for my iPhone (4s) and my wife’s (4). No data, and we pay $10 for 100 minutes. Those minutes last 4 months, or when we get done using them. All messaging goes through Google Voice.
I actually just switched plans a month ago, got a 430 dollar Best Buy gift card out of the deal. Additionally, my new plan is costing me ten dollars less per month than the old one.
Har, we just did this (sorta) like a month ago, so done! In all honesty, I feel kind of weird about it now. we switched to a more expensive plan because we kept going over on our plan (Unlimited w/ Verizon), but Verizon’s attitude about Net Neutrality has turned me off in a big way. We get crappy coverage at our…
We switched to Ting.com in 2015, and haven’t regretted it since.
Can count as “Done” if I did this a week ago? ;D
Same carrier, better plan, cheaper.
Only asking me why i took sooo long to do this
The wife and I switched to google fi as soon as we could and regret nothing. So much cheaper than what we were paying for our data.
I didn’t want to sign up with an app, so I manually transferred amounts from my regular account to a savings account. If I didn’t go out to eat or drink when I normally did, I transferred $20, thinking that is the minimum I would have spent. If I went out, I transferred an amount equal to what I tipped the server.
I don’t carry much cash, so the pint-sized coin jar I’ve been dropping change in is only about half full. It’s also been raided a couple times for a few dollars’ worth of quarters for car washes.
I thought this was money laundering :P
Bank of America will give you your TransUnion FICO 8 score. Also the Experian app will give you your FICO 8 score if you sign up for a free trial, you can cancel the trial immediately and still have access to your FICO 8 score and Experian credit report.
For the record, Wells Fargo and Chase both offer the “view your FICO Score” option...and just those two data points (which differ by 47 points as of my last report, presumably because I just paid off a collection and it’s taking awhile for my score to reflect it, while my credit utilization is steadily falling due to…
I feel like that should be a standard disclaimer.