So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

It's 2024 if I remember correctly and budgeting is a fairly common practice. Companies are obsessed with data. Yet when I got to the store and buy a videogame, dap drywall joint compount, and 3 avocados the transactions is just the store and the amount. It'd be nice if I could track what I've been buying, categories them into entertainment, home improvement, and groceries respectively.

I'm guessing this information actually is tracked but is only used for marketing purposes. But I'm curious, does anyone have more information on why transactions can't at least optionally support extra metadata about what was actually bought?

I was wondering how people are currently dealing with inflation in everyday life. Since quite a while now, I found that I have fallen into a habit of excessively looking for discount deals for pretty much everything I buy. I feel pressured every day because prices have ballooned so much.

At first, I only refrained from buying "unnecessary" goods like unhealthy snacks, and instead just go for basic staples and vitamin-rich vegetables. Then I started to cut down on meat consumption due to the high prices, and forced myself to only buy meat that is put on discount at the end of the day as it's about to spoil. And now, I even do the same thing for regular staples like rice or potatoes. It feels imprisoning, distracting and depressing.

So I'm wondering, how are you dealing with inflation? Are you affected in a different way? Or not at all? Any advice on how I could realistically get out of this seemingly endlessly depressing spiral?

In case anyone's interested why I decided to post today: I saw McDonald's popping up in the news these days, as apparently customers don't go there anyone due to their price increases far beyond inflation since 2019. Then, I passed a McDonald's billboard today thst advertised 2 Big Mac Menus + a happy meal for a whopping 30 EUR. The regular prices used to be a fraction of that... Now it's apparently a good deal...

So we make about $100,000 combined, I make just shy of 70K and she makes about 30K.

Both states have programs for first time homebuyers, but our incomes together prohibit us from qualifying, whereas separately we both qualify.

Would it be considered fraud if I were to apply for one as myself, get the house in my name, but we both pay on it? I can't find anything on either page about it, but obviously we are not legally married.

Ugh. Scammers are everywhere, and I know I'm getting them in my inbox and junkmail, but I need a way to know who I am wasting my time on and who is a real client.

My current client doesn't seem to speak in the usual way (for example saying "you have replied to me perfectly" in response to me asking "Please let me know if this works for you or if you wish to negotiate"). They want to pay me via a cashier's check. I just now told them I only accept PayPal payments (that is what I've always used). Waiting for a response now.

So my question is, which of these would be the most secure method of payment to use over the internet, with strangers, where contact is via email?

PayPal
Wire transfer
Cashier's check
Other (write in comments)

I posted previously about looking for a house for my disabled partner and myself and after several stressful months we're closing on April 30th!

So, now what? I'm working on home insurance quotes, I have the money arranged for closing. We're in the "these issues need addressed" phase of the contract process (there are no smoke detectors in this house wtf) and the home inspection raised no dealbreakers. No radon or termites.

So what don't I know about? What new homeowner things do I need to be thinking about now? We plan to move in the latter half of May. Accessibility suggestions are also useful, we're going to have to add a small ramp inside (one step), move a cabinet in the kitchen and replace carpet in the master bedroom.

Thanks for all the advice last time, please give me more of it?

To start: I was taught in the 90s when I first entered the "internet" that "everything online is public. The End."
I still adhere to that. I am perhaps a bit overly cautious and whatnot, as I will forego convenience to have the feeling of privacy (though in some cases I believe it's just a smokescreen).

That being said, the main premise to my question is this: I have three cards with which I pay for things. I have a debit card which I use for most purchases, a credit card I use for large purchases I can't immediately cover with my bank account, and a credit card for two specific payments. Every December my company gifts all employees a $100 Visa gift card. I tend to splurge on things I'd rather not have show up in my bank account or credit card, because I feel my purchase habits are tracked (similar as to when I put in a local brewery into Waze... and yeah, I use Waze.)

And now to my actual question: is there a credit company, or a method of credit/debit card I can utilize that will not track/share/etc my personal or purchase info? I had never thought of this idea, aside from the gift cards which usually come with some form of caveat (you lose money on fees for a prepaid card, or you can lose your balance if not spent in a certain time frame, etc) until just now I guess. I found privacy.com which looks kind of legit, but ... I'm always skeptical to start.

All that being said, if you could offer any advice or thoughts on the matter, I would greatly appreciate it. Thanks!

(Edit: the original reason I ask this is because I was thinking that I use Discord a lot and would like to throw a few bucks their way and customize my profile or something "fun" like that, but I do not want them to have my info.)

Maybe everyone knows this, but I suspect not. For years, I've been using the points I earn on a Chase Freedom card directly on Amazon. I just found out today that I'm only getting 80% of the value. Redeeming 26,345 points at Amazon yields $210.76. Redeeming 26,345 points on the Chase website (for an Amazon gift card) yields $263.45.

The Chase Amazon Prime Visa does give 100% of value directly on Amazon's site.

I live in the EU. I recently applied for a credit card, and the banker asked me (about my job): "Is it a management role?"

I realized that it is a question I have been asked several times in the past by banks. I tried a cursory google & Reddit search, but I haven't found anyone being curious about this.

I'll try here then. Does anyone know why bankers ask this question? How does it matter? Are "individual contributors" seen as worse/riskier customers than managers?

I have my own informal, anecdotal opinion, but I'm hoping to hear some more informed answer.

I was thinking about this today as I heard about Instacart going public. I've never used Instacart because I refuse to pay the cost for the convenience of grocery delivery. I've paid for grocery delivery in other ways but instacart feels too much.
I've stopped paying for doordash, which I had never been big on, but the fees got too high

I have and will however pay for a cleaner to come clean my apartment every 3 weeks. I will also splurge on a car wash, as driving through an automatic wash with a fountain soda is a weird happy place for me.

What are your "absolutely will" spends and what are your "no way in hell" spends?

I used to be happy paying $45/year for YNAB (grandfathered plan). But then "lol no, $90/year" happened and I started looking into alternatives. I tried out a bunch but none felt the same. Eventually I found Actual (open-source). I've been using it for ~6 months now and it offers everything I want/need. I self-host the container on my PC (no sync/etc.).

Are you planning on working until you're 60+?

Or maybe selling it all and living in a rural area?

Buying stocks or ETFs?

Or something else?

So what's your retirement plan? At what age do you want to retire and how are you working towards this goal?

Now, rationally, I suspect the answer is "Of course!". But I'm looking for general advice, if my fellow Tildesians would be so kind.

This question has arisen while investigating opening a Monzo account. Apparently, you can lock away some money for 12 months and get 5.3% AER interest on it - meaning for every, say, £1,000 I put in, I get £50 back, right?

My question: is that really worth it, in the grand scheme of things? Even if I put in £10,000, I'd be locking myself out of that much money for a grand total of £500. I understand that's a lot to some people (even me), but it hardly seems worth it.

Perhaps there's something I'm missing. Perhaps some bad maths on my part or some other type of interest that I don't know about. All advice is welcome and appreciated!

I'm in a fortunate position of being in a reasonably well compensated but very specialised role in the pharma industry, and after some recent layoffs have been casually surveying what other opportunities might be out there.

However, I'm really struggling to get a sense of my market value, as little to none of the salary info on e.g. Glassdoor or published surveys from recruitment bodies captures anything similar to my position.

My compensation is way off published ranges I can find, so I don't know if I have "golden handcuffs" or if the data I am looking to is garbage.

In effect, my position developed organically over a few years, and has bits of middle management as well as governance, project management and individual contributor work. I don't think there is even anyone within my organisation with a similar role, I have several responsibilities which normally you wouldn't concentrate under one individual if you were designing from the ground up.

I'd be really interested if anyone has been in a similar position, or any recommendations to on how to benchmark yourself when it isn't obvious what you should be benchmarking against.

I've had the same secured credit card through my bank for years; I only use it for car rentals and when my debit card gets declined on international online purchases. It's very easy to maintain as there are no fees and I always pay off the balance within the week; however, there are also no rewards. I know that a lot of credit cards out there have cashback rewards, and it seems like kind of a waste not to take advantage of that. But there are so many different ones that it's horribly overwhelming for me to try to research which one(s) might be a good choice. Costco has one which would have probably been an easy choice if I were able to spend more money there, but as of currently I have very little space and only hold a membership for gas.

So, do any of you lovely folks have recommendations to give me a starting point for what to look into? What cards have you used and been happy with?

ETA: I am in the US!