A metric buttload or imperial buttload?
Absolutely recommend ditching the giant banks and getting a credit union account while still in school. It might be a bit more painful in the long run, especially if you’re going to school somewhere you don’t also plan to settle down afterward, but I think it’s a worthy trade-off.
Too many people just don’t understand this. Looking back, I wish I’d have learned this earlier. Yes, you need an emergency fund and some savings on hand (there are different recommendations for this but 3-6 months expenses is about right), but once you get beyond that, you should be investing. Markets are going strong…
5 restaurant meals in September:
I moved into a new place on the first, within walking distance of a supermarket. That helped.
Let the underwhelming response from Equifax continue!
Almost all credit cards allow you to turn on ALERTS. Do that.
“If a job is worth doing, it’s worth doing right” only ever leads me to rationalize why a job is not worth doing.
“Don’t get it right. Get it written.”—James Thurber. Best writing advice I ever heard.
Mentioned in the article but worth repeating ... the folks at the IRS want to get their money, but they want to help you as well. No one (in my experience) was interested in threatening people, scaring people, tricking people or coercing people. They just want to do the math and have you pay the number the math says…
For three stupid years in my early 20s, I was spending my money faster than I made it, so I just didn’t pay my taxes. I got scared and ignored the problem until the IRS eventually sent me a gigantic bill.
I think an important thing that’s left out here is...try to relax, but get it done. I’ve dealt with agents before, and have found that they’re just people doing their job. They need you to file your stuff and get things squared away. They just want your case off their desk, just that simple. They’re not looking to…
I think they changed that a few hours after they got openly shamed for it.
Ugg, I wish i had known about the ssa account a few hours ago. Now everything is frozen. I dont know if its worth the effort to unfreeze and refreeze
Kristin - Just wanted to say that you and the other Lifehacker staff writers have been just on point with the info since the breach was announced.
Experian let’s you check your report monthly for free.
credit karma is free and is actually really good. only down side, it only covers two bureaus. but i can check credit whenever i want, get emails when my credits checked by someone/something is added to my credit/credit goes up/down.
For what it’s worth I did a freeze last week and the cost was $0 for all three.
All great stuff. Just one little pro tip: you don’t have to look up all three credit reports at annualcreditreport.com on the same day. It’s better if you check a different one every four months, so you have less time between reports to check for any shenanigans.
The problem is that most people only look at the minimum payment vs. their monthly income and say “I can afford this [thing I don’t need] and only have to make this minimum payment I can just barely afford!”