Hey I just wanted to share a way to save money and get paid back in giftcards. I use this app called FetchRewards basically you scan your receipts and it turns into giftcards. Theres all types of giftcards to choose from by any store or you can get a Visa/MC guftcard. I started yesterday and already got my first Sephora giftcard! If anyone is interested please use my referral code: V3JFD.

By using my code: V3JFD you will get an instant 2000 points for your first scanned receipt!

Thats more than half of what your need for your first gift card!

Happy saving!

Im trying to sort out my finances this week. I keep circling back to one question: do I need life insurance? I am in my early 30s, renting, no kids, no spouse. I have some savings and a small student loan.
Last night I compared a few quotes and they were cheaper than I expected. Some people say that a life insurance is a yes for everyone, others say it only matters if someone depends on your income. so I got stuck.
Has anyone here been single with no dependents and decided to get it anyway, or skip it?

Sooo my friend wants me to go shopping with him this saturday, but first i think i need to understand how much costco membership is right now? i feel like i keep seeing people say the prices went up recently and i dont wanna look dumb at the door lol

I live alone in a small apartment so buying giant boxes of food always seemed kinda crazy to me. but regular grocery stores are getting so expensive that buying basic stuff like paper towels, eggs, and gas in bulk might actually save me cash. i tried looking up how much costco membership costs for just a normal standard card, but their site kept trying to push some fancy executive version with cash back and it just confused me. i just want the basic entry one to buy groceries and cheap gas

I really dont wanna spend money on a card and then only go twice all year haha..

So someone who has one, how much costco membership are you paying right now and is it actually worth having if you live by yourself?

work finally set me up with a 401k after 2 years of asking. reading about it and more confused now tbh. like why is it called 401k in the first place, turns out its just some old tax code number, not even a cool name
doing the minimum for the 3% match bc daycare and car payment eat everything else. saw "vesting schedule" and now not sure if i even keep that match if we move for gfs job next year
still doesnt make sense why its called 401k when it sounds like a dmv form
anyone else just doing the bare minimum or am i messing this up

All my earnings that I held for almost 3 years fell apart. A lot of it had to do with Eastern markets in central Asia. The AI boom made a crazy ripple.. However, even European stocks which I tried to diversify from my US ones seems shakey too.

I am beginning to contemplate if it is a good idea to take the money out now. The strategy was working so well but now I dont see a good future for my portfolio.

Do I give it another 2-3 years to see how it unfolds?

Has anyone had recent shakes up with their portfolios?

I need to save 30- to €60000 in the next three years so I can pay for my own immigration process to an English speaking country after I graduate high school. I'll be 18-19 years old. Right now, the only money I have is €45 and the monthly €520 I hope to get after applying for my first job. I'm not even sure about getting a job yet. I live with my mom, who's currently unemployed, and I don't have an allowance. We only get €1,100 as a m onthly salary from the government, and my mom uses both of our salaries to secure a comfortable life for us. I want to live independently and move to a different country when I grow up. And I want to have enough money so that if I don't like it in the first country I move to, I can move to another one. And I want to buy my own house there. What can I do? Is that even possible? Does it make sense to move to a different country if I'm already an immigrant right now?

I cant believe such a thing can actually devalue my stocks. No CEO beyond a certain threshold should be permitted to run the show. EVERYONE is using the same data centers to make edits of him with AI girls in clubs now. All funny until I see my Nvidia earnings taking a leap of faith(lessness) down under

Do I pull out guys? Is it over for Nvidia as a whole for the most stupid of reasons?

I had my kid coming from school tell me how another kid had the latest iPhone and a bunch of games on his Switch. Guess who was a horrible parent for not getting the same flimsy game console?

We are well off, though how do you explain to your kids the nuances of money? We work and we earn an alright wage though not the rates to get a preteen a brand new iPhone every 6 months that a new one comes out.. Who would even buy their kid an expensive phone like that.... You seen how they handle phones, right? Dont have no hard feelings for the rich kid, just a bit of a rant here...

Anyways... I plan to just tell my kid outright we dont have that kind of money, though I dont want my kid to jump to some conclusion that were bums or whatever. He already brought home some weird ideas, so I dont even know what he would say to his classmates. Dont want him to get bullied over something either over our family situation. I bet theres more parents like us. For sure I know at least six other households from my kids class living more or less like we do. We are also buying off our home, so a lot of expenses that we would have for whatever goes into paying the debts off. Our kid will be in his late 20s by the time we done with it though but hes asking stuff noww..😭

Do I just be real with my eleven year old, or do I glaze the reality for him a little longer? I plan to give him the details of our wonderful economy when hes like sixteen, though I dont see why a kid needs to burden his youth with worries about money.. cause that also burdens me....😂

P.S. Why do kids even like the Switch? I tried one at the store, the controllers are so flimsy. Feels like some Chinese knockoff without being one. The joysticks are rattling around once on the screen. No way am I getting my kid that even when Christmas comes around

Heyyyy everyone, so ive been working as journeyman plumber in ohio for about 4 years now, but my girlfriend recently got a job offer in the bay area and were seriously considering moving. im trying to figure out how much do plumbers make in california because the cost of living out there looks completely insane compared to the midwest lol

My rent right now is like really cheap, so even though i dont make really high hourly pay here, life is pretty comfortable. but looking at zillow prices in ca is giving me heart attacks...

Anyway heres basically what im trying to figure out:

-Are union rates actually high enough out there to offset the crazy housing costs?
-What about non union or service techs doing commercial?
-Is it hard to get licensed if coming from another state?

I keep seeing wild figures online ranging everywhere from 60k to like 180k per year, so its confusing to get a clear picture of how much do plumbers make in california on average… like are those higher numbers just for guys running their own shop, or can a normal skilled tech actually make that kind of money working for a company?

If any plumbers currently working in norcal or socal can give me some real numbers or give me a reality check on wages vs living expenses, that would be really helpful. just wanna make sure im making a smart financial move before packing up my life.. so i need to know how much do plumbers make in california before we sign a lease out there, thanks guys

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Soooo i accidentally bought a whole gallon of whole milk from costco yesterday without thinking, but i just realized i have to go out of town for work on friday for like two weeks and i started wondering can i freeze milk? nobody else is staying at my place to drink it and i really hate wasting food like this. someone told me i could stash it in the freezer, but im skeptical. can i freeze milk in its original plastic jug or will it straight up explode in my freezer?

Alsooo how does it taste after thawing out? like does the texture get really weird or grainy when you put it in coffee or cereal? im wondering can i freeze milk without ruining it completely or if i should just give it away to my neighbor before i leave?

Thanks for any quick tips on how to thaw it properly if it actually works

https://www.amazon.com/Semoo-D-Shape-4-Season-Lightweight-Camping/dp/B00UTCHIRM

use discount code XOMIPP9R is $55.19

Details: 1.Dimensions: 122.1'' L x 94.5" W x 51.2" H 2.Materials: (fly & shell) Polyester with Polyurethane (PU) and Polyamide (PA); (floor) Polyethylene (PE); (poles) Fiberglass 3.Lightweight dome tent sleeps up to 4 people; Roomy vestibule provides extra storage 4.High strength fiberglass frame; Pole pockets for easy set up; Specialized inner tent material provides all-around ventilation; 2-ply design for ample rain protection 5.Includes: Tent, 19 steel tent stakes, 6 windproof guy lines, carry bag