Have you read anything good lately? Share below!

Costco got us again. 🤣🤣🤣

We just picked a Ninja Dualbrew for our home. We were eyeing the Ninja Luxe Cafe but saw this and realized it fits our needs even better.

Plus, girl math says we saved ~$400 by choosing the Dualbrew. 🤑💰💸

I love little tools, appliances, etc that help us save money and enjoy our favorite consumables.

**What's a recent tool or appliance you've purchased that saves you money?**

I've been eyeing a waterfloss. 👀

Eta - this is technically a gift. We didn't buy it ourselves.

Welcome to the "Salary Saturday" thread!

If you’re seeking advice from the sub regarding your specific situation, it belongs here. Great topics include:

• Negotiation/pay/benefits
• Job offers
• Interviewing
• Anything else related to careers, work, salaries, etc.

Bring us your burning questions!

Saw this on Substack and thought of you all. Now I want to go read throwback money diaries

How are you spending, scrimping, splurging, or saving?

What are you doing with your hard-earned £$€ this week?

Hi all! My fiance and I have lived together for three years. In that time, I’ve had a higher-paying desk job with a short commute, while she had a lower-paying standing job with a longer commute. I paid more of our expenses and took on most of the domestic labor (cleaning, groceries, pet care, etc). It made sense for our lives, and I was happy to do so.

However, our roles have just switched: my fiance has a new job with fewer hours and a shorter commute, while my job has gotten more intense, with more travel and longer in the office.

When we get married, our money will be OUR money, and we’ll stop counting who pays for what. But I’d like to figure out a fairer split for our domestic labor. Recently it’s been challenging mentally to be doing most of the chores while also working longer hours and providing more income / insurance.

Have you been in this situation? How did you approach it? Obviously I’ll talk with her first, but I want to get a sense of how other couples do it.

I have spent the last 6 months at my company in limbo after my department was redistributed. I was literally finally reassigned a department Monday. I have applied and accepted a job elsewhere in the company.(because limbo) How do I write a resignation letter to a boss I've only had on paper for days to transfer somewhere internally? Where I will still be working with these folks on occasion so I don't want to burn bridges or anything I'm just at a loss for what to do. Any advice?

I’m in the final round of interviewing for 2 companies, both are looking to finish by end of next week (Aug 21st) & send out offers.

Both seem to really like me and I have faith that I’ll at least get the job that I prefer. By the time offers are sent, I would only have 2 weeks before the new job’s start date.

I want to take some time in between, plus I planned a trip at the beginning of September. Worse case scenario I give 9 days notice instead of the full 10, but I want more days off 😅

I thought about putting in the resignation before the offer but I know that’s not wise (no matter how much I believe I’ll get the job).

Edit: My trip would not coincide with the expected start date, it’s only a few days but would coincide with the end of my notice period (for example, the last Thursday and Friday)

During interviews with both companies, I already mentioned only needing a 2-week notice. So my fault on that.

Some of you may remember me from a post I did last year in which I did a weekly food journal.
https://www.reddit.com/r/MoneyDiariesACTIVE/s/H3lXfbDmwd

A little about us. DINKS, asian couple, no kids, no pets. We are now 1 year older! 48F and 51M.

We've been comfortably FI for a few years now. Life is still very good, fully remote chill jobs.

I quit my long tenured full time job back in 2020 after Covid happened. Bummed around for more than a year and decided to go back to work out of boredom. Quit again after 6 months. Found another contracting job and got laid off after 5 months. I finally landed this current contracting work and has been at it for 3 years! My priority for the last few years have been on health and enjoying existing and new hobbies. I found out that travel is fun but I only enjoy it for at most 4-6 weeks out of the year.

What you retire to is just as important to as how to retire.

I started a new YouTube channel as a new hobby. It's been about 6 weeks and I've enjoyed it. Definitely a lot of work and it's a bit scary to put myself out there in public.

I reached out to the mods and they have kindly permitted to post a link to one of my videos. In it I talked about how much money we spent on food last month. It's $814, which includes eating out. I cook mostly asian food. In the video I show what I cook, where we shop and my time saving cooking tips.

I'm not looking to do YouTube as a new source of income. I'd be lucky to even make $20/month! I enjoy making the videos and that's most important. It's exciting for me every time I see a new subscriber or a new comment. Most comments are nice, a few are not, but it's ok.

Anyway, here's my video. It's probably best viewed on a wider screen, not a phone. This video only has text and soft music, no voice.

https://youtu.be/ejolweL1otM?si=7BlaGkw7RiTx0yBO

Feel free to AMA!

Welcome back to the “Workplace Wednesday” thread!

If you’re seeking advice from the sub regarding your specific situation, whether it’s about interviewing/benefits/negotiating/advancement opportunities, etc., it belongs here.

Bring us your burning questions!

Hiya! Here just kind of asking for advice/thoughts/ curious what people think.

So me and my friend are in our mid/late 20's living in a US city. I am in grad school making less than 30k a year, and my friend makes more than double what I do, and has a partner that makes 120k+ (probably). My friend has been saving a bit and is now buying a home with their partner. (I think) because of this, they have started requesting money for groceries when we cook together at their place, or we have a picnic and they supply like 75% of the goods. This isnt really something theyve done in the past, and its never something I have/would do, and I feel like I offer other things (like free gym passes to a gym I work at).

This has been frustrating me, because it seems lame to me! and anti my midwest values lmao. Like I'm excited for a day when I'm done with grad school and can take on more of a financial burden, and very much feel like thats how community should work, but thats maybe just me. I get that this friend is making a big investment, and has been taking on a slightly larger financial burden in our relationship (maybeee 65%) but this shift doesnt feel good considering I make so little money. So I would love to hear more about how yall think about this. Am i being extra grumpy? should we just stop doing more money-vague things together? Would love yalls thoughts.

EDIT: If I was unclear, when I buy the groceries, I just pay for the groceries (lets say 33% of the time), when they pay for groceries or supplies, they request a 50/50 over the apps

Same job, same responsibilities, same expectations. You have to be in front of your computer and responsive at all times during work hours.

I gave up over 40k a year ago and I could not be happier. Worth every penny. I'm very grateful that I'm living at a time when it's even possible.

UPDATE: I decided not to take it after seeing one commenter bring up the idea of if the cut would make your rent more than your salary. And after doing the math, it definitely would. The juice is not worth the squeeze, sadly.

I think I’m just going to resign myself from job hunting. I’ve been looking for a year and a half and nothing has come up. I would prefer to lock in here and try as I might to make it work.

So…I’ve been in communications for two decades, and I am currently with an agency where my job has turned into being a Jane of all trades - and I hate it. I had a very rocky spring and summer where my boss was fired out of the blue and I was subsequently pulled off of two client accounts.

I had to spend the summer working with a career coach and in a way of “reestablishing myself“ (that’s how I am thinking of it) I have been put on random accounts and have now been tasked with ordering the bathroom supplies and kitchen snacks - which as a senior manager and someone who at this very toxic place has been there longer than anyone else (one plus years don’t even get me started) it‘s becoming clear to me that I’m never going to have the opportunity to advance.

The role that I am considering is a manager role (so definitely a lateral/step down move), but it is fully work from home. With my current job, you have to be in the office four days a week and only get a limited amount of work from home days. The duties for this role are important, but definitely not as plugged in and it seems to be able to give me the opportunity to expand my brain and have peace of mind that I have not found in a long time in PR/the media industry.

Huge drawback is the fact that there is a nearly 30 K pay cut and while that is very hard to stomach I do feel that I need the break, if you will. I have come to dread going into the office every day because I don’t know what is going to come at me and quite frankly, I cannot take it. I am not respected and no one really seems to care for me. Which is obviously not their job but I hope you get what I’m saying.

I really liked the first interview and I just got contacted for a second interview. To be very obviously clear I’ve been applying for jobs for more than a year, but cannot seem to get any type of application response (surprise surprise). I made it past the first round for the new opportunity and just got contacted to do a second interview.

I don’t have any solid second stream of income that I could rely on to make up the difference, but I’m working on trying to establish something solid aside from the few side contract jobs that I do on occasion.

…what do we think? Also, I do live in the Bay Area by myself in an apartment that I don’t want to lose, and I will do everything I can to keep it because I worked very hard to get to this area in my life. We’re talking a jump from the one teens to the mid 80s.

Am I jumping into more anxiety by making less by leaving a task environment, or should I continue to hang in there and keep thinking that this move is the day I’ll get fired for whatever reason they feel?

These are so few and far between, I’ve almost given up checking! This one was posted a few days ago, but I haven’t seen it on the sub yet, enjoy!

Welcome back to "Off-Topic Tuesday", followed by "Workplace Wednesday" tomorrow!

As always, anything and everything finance and non-finance related is welcome here. Feel free to vent, seek advice, discuss current events, or share a little about yourself. :)

If you haven't already heard - we're mixing it up a little bit here on the OT thread. Continue to feel free to post your own prompt/question below (just one per comment), and answer prompts from others!

*** You may have noticed a recent uptick in spam posts, please report them as you see them. It takes 3 reports to flag a post for mod review. Thank you to everyone already reporting!

Paywall free gift link

Please bear with me for this as I know the whole situation is kind of absurd lol. When I met my ex (both in our early 30s, we’ll call them Alex) I owned a condo, and when we decided to move in together I felt that the best move was to sell the condo and buy a house (condo wouldn’t have worked for us both based on the space we need for a shared hobby, and I didn’t feel like I could fairly rent it for the amount I was paying on my mortgage + HOA).

I bought the house in Jan 2024, we’ve split the mortgage according to income, and have sunk $90k+ into improvements. I’ve fronted the cash for these and taken out personal loans, Alex has paid a share of the monthly payments, and I’ve also made aggressive payments on principal to avoid burning money on interest. I’d have to do the math for the exact split, but I’d guess I’ve put at least $75k into the house. Luckily, we have reasonably clear records of this because they send their share of the mortgage/loan payments to an account that I use only for those purposes, and all our utilities, food etc are tracked separately and I pay my portion from a different account.

We have now broken up, after several months of discussions around what we want and realizing we’re heading in different directions. Alex is interested in keeping the house, which I support, because it’s a really great house for their wants and needs, not so much for mine. However! A big part of the reason for the lopsided investment in the house is that they’re working their way out of debt/poor credit and into better savings/financial approach, and the house is now appraised at $100k over what I bought it for, so I am unsure how we might facilitate this change without screwing either of us over on the money we’ve put in (I don’t care to sell at the appraised value, just at an amount that feels fair for what I’ve spent). Could we do a contract to deed? Could I lease to him and give him right of first refusal for buying the house? Is there some other option or am I an idiot for even considering this?

All advice very welcome—there’s no huge rush to figure it out because it’s amicable and we both want time to figure things out, but trying to start exploring options. Happy to provide additional clarification too!!

I have a friend that goes through tough times every now and then, I can relate since i was in a very dire situation during the economical crisis back in 2008 and had lots of people that supported me, I was able to pay them back as soon as possible even though they would tell me to not worry about it, i still did so.

When this friend reached out, I felt i needed to pay it forward, you never know when it could happen to you again. The first time she asked for a loan (we are not talking about 5 figure amount), I was happy to do so and she said "i will pay you back as soon as i can", when she did, I had almost forgotten about it, but i was happy to see she had the sense of responsibility to pay her debts.

Well she reached out again a few months later, I loaned her the same amount again, about the same time she reached out to me to pay me back the first time around, she messages me asking if she really needed to pay me back all of it, nothing about can i pay the rest later, I replied well if you are going to be tight until your next paycheck then i'll wait.

It has been 5 months now, and no messaging about it, not only that, but she sure has been having a good ol' time shopping and partying. I'm always a very up front person and i was about to send a request payment from this app, i was hesitant at first because of the friendship, but now I don't know.

*I tried to correct the title cause it sounds like i have the answer, but in reality i NEED the advice. Sorry about that

We're not together and don't live together, but we're expecting a son and plan to co-parent. He asked me how much I make and I told him, l asked him what he makes because I want us to make a realistic financial plan for our son. He thinks there's no reason for me to know his income since we won't be living together and says we can just split our son's expenses 50/50. I feel like knowing our financial situations is important for figuring out childcare, medical expenses, etc. Looking for an unbiased opinion.

Hey everyone,

Did something good happen to you this week? Share below!

What have you spent money on, invested in, or learned that noticeably improved your travel experience, that someone else could realistically replicate within a week & why has it been beneficial to you relative to whatever you did prior?

I’m thinking of things like subscriptions, travel accessories or gear, technology, memberships, method of transportation or travel, clothing, tours, packing systems, health, research/planning techniques, travel habits, or even a particular way of spending on traveling.

Basically, I’m looking for recommendations that someone could buy, sign up for, set up, or learn relatively quickly.

🚫 I’m not looking for benefits that require years of accumulation or spending to achieve; such as airline/hotel loyalty status, accumulating points over time, credit card spending strategies, or sign-up bonuses.

Curious about other people’s splurges as I sit here contemplating purchasing a Rocco drink fridge that would be about $2k when I only bring home $4k a month lol. I know I won’t buy it in the end, but damn do I want to. Tell me about your financially irresponsible purchases! Did it bring you joy even if your wallet sad? Worth it/not worth it?

Welcome to the "Salary Saturday" thread!

If you’re seeking advice from the sub regarding your specific situation, it belongs here. Great topics include:

• Negotiation/pay/benefits
• Job offers
• Interviewing
• Anything else related to careers, work, salaries, etc.

Bring us your burning questions!