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?

I've tried before to get input on this, but online it doesn't go anywhere and IRL people don't seem to understand. Thought about putting it in the /~finance area, but I don't know that it's really a finance issue, plus things there seem to be wider-scale financial in focus. And there's no /~advice page, so here it is:

I feel like I should be making more money lol. Now immediately, that sounds greedy or either capitalistic/anticapitalistic, depending—I know it does, but hear me out. I have a great job that pays ok but not great, and tons of free time; in my mind, and if I'm being honest in my field, chasing a 5% raise is low ROI and low likelihood of even happening. There is little room for vertical movement, but enough security that it seems crazy to make any changes. Post-college, I have had a pretty varied career background, I am very good at editing, research, training, tech, etc. but I am not an "idea person" and I don't have a lot of marketability or self-promotion ability, it seems like (also no coding abilities, which is always a suggestion; I've tried, believe me, but my brain won't do it). I'd rather edit your book than write one of my own, not because I'm afraid of rejection or can't commit to doing something/run out of steam, but because the steam just isn't there.

I don't feel the need to change careers, but I am also feeling super unfulfilled. I've worked on doing things to try and fill that gap, hobbies/other pursuits/etc, but I am haunted by the fact that I am using such a small part of my bandwidth, when it seems like I could be outputting at 2x or 3x and earning similarly. I've applied for contract work, freelance, all that stuff, but it is spotty pay at best—what I want, short of a medieval patron/wealthy benefactor, is a second job I could do on top of this one. Which leads me to side-hustle-type rabbit holes on starting an Etsy shop/a YouTube channel/a Patreon page. But when it comes down to it, I don't actually feel any passion about doing any of those things, and I can't get a narrow enough niche figured out to even come up with a potential audience. I've avoided specializing because I wanted to do all kinds of things, and now I've done that, and I feel like maybe it was a mistake. I just want to have the resources available to do what I want. Bills are paid, life is good, but I feel like I am spinning my wheels: even writing this out is like a roller coaster of feeling shame that I'm not satisfied or that I'm ungrateful, then being frustrated I can't make it happen the way I want, on my own.

Because see, I didn't say I deserve more money; I want the opportunity to earn more money. There are a ton of things I would be perfectly happy doing for a living, or for a second job. And more money might not even help—if I was a trust fund baby I be in a similar situation. But what the fuck should I be doing then? I guess what I really want is for someone to say "Hey, I need this job done, I'll give you $XXk a year to do it" like it's 1980, and then I know I am serving a purpose? And I wouldn't feel guilty about time left over, because the job is Done. But part of me is afraid that, even if that somehow magically materialized, I would feel the exact same way I do now.

so what do tilderinos?

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!

I'm new to tildes and thought I'd start a topic about frugality, as it's something constantly on my mind. (hopefully ~life is the right place, apologies in advance if not!) I try to look at spending a few ways; cost, environmental impact, and time. The time is important, because some frugal tips take up so much time that they end up not being very frugal in the long run. So here are some of the things I've done or started doing in the past few years to try and bring our monthly budget down without giving up much.

Started using Flipp, Ibotta and Flash Food.

These three apps aren't going to save you a ton but enough to make a difference without much effort. Flipp uses your location to gather all the circular ads for stores near you so you can compare prices on items more efficiently. Ibotta is a rebate app that is quick and easy, just claim anything you might buy and once you hit 20 bucks you can redeem for gift cards or cash. The key is to only buy things if it ends up being cheaper than the option you normally buy, or stuff you buy already. Flash Food is a new favorite and isn't everywhere but can be really beneficial for produce particularly. Participating stores list items that are overstock or near expiration for significant discounts. You buy right on the app, and head to the the flash food station in the store to pick them up. Mine is by the self checkouts, there's a big freezer with the logo stationed there. They have huge produce boxes often for only 5 bucks! The assortment of goods will vary by store and time of day so I check every so often if I know I'll be near or going grocery shopping anyways.

*If you don't have flash food, there's another called Too Good To Go, It's not in my area so I can't say how useful it is. However, it works similarly for stores but also includes restaurants.

Switched to a double edged safety razor

with a bit of practice, they are just as easy to use as a cartridge razor. The best part is after the initial cost they are CHEAP and you aren't throwing away plastic cartridges anymore.

Vacuum Sealer and Deep Freezer

I slept on a vacuum sealer for far too long, theses keep frozen goods better for so long without worry of freezer burn. Combine that with Flash Food, and you can really save without much effort.

Switched to a Menstrual Cup

I did this many years ago and never looked back. I will be upfront and say that it isn't going to be for everyone, we are all shaped different! However there are many more options for reusable products these days if a cup just doesn't work (discs, cloth pads, and period panties to name a few.) I have endometriosis and I'm a heavy bleeder so this has easily saved me thousands in disposable costs and worked better for me anyhow.

Gardening

This one is tough because it's easy to go over board with costs, but if you get creative with containers and boxes, buy loads of dirt instead of bags, and start from seed indoors and it can be a pretty cheap way to have fresh produce. Add in the vacuum sealer or canning and you can make it even more worth the time. To go with that, I collect rainwater. This is dependent on your local regs of course so find that out first!

Instead of going out to dinner with friends, host pot lucks instead.

This saves everyone money, you still get to see your buds and have a super nice meal. Throw in some board games and it's sure to be a good evening and only cost you the price of a dish.

Rotate your streaming services and other subscriptions

You can't watch them all at once, so why pay for them all the time? I'm sure they are all about to make it harder to share following in Netflix's footsteps so it's a good time to sit down and look at what you are paying for and what you are actually using. You'd be surprised how easy it is to shave off some costs.

Eliminate single use items where you can

I've already touched on this, but things like paper towels, paper plates, plastic storage bags etc add up if you are using them frequently. There are so many things that fill our landfills just for convenience and you are paying for the privilege! There are so many great reusable items these days, it's become more affordable for upfront costs. Coffee pods, makeup wipes, razors, swiffers, bottled water -- it's never ending and all cost more than their frugal alternatives. For instance, I drink tea and switched to a reusable diffuser and loose leaf as well as using an electric kettle instead of turning on the stove or microwave using much less energy and the used tea is good compost and breaks down faster than the bagged variety.

Use your dishwasher

It seems silly, and obviously not everyone has one, but a relatively newer dishwasher is going to use a lot less water than handwashing and it disinfects better.

Feeling like you need that decor item? Try moving decor around instead

You should be deep cleaning your home anyways, and if things feel stale and you are itching to spend try moving things around instead. You'll often find that you are just bored with the current layout of things. So while cleaning, switch it up!

Keep inventory of your freezer

Deep freezers are easy to lose things in, or forget are in there when you go shopping. I use a notes app shared with my husband with a list of stuff in the freezer so we don't buy things we already have and it's easier to figure out a meal at a glance at the list.

At least try to fix or mend things instead of buying new

It's certainly not feasible with some things anymore, and sometimes it ends up being more expensive but it never hurt to take a second look at something before rebuying. Mending clothing, buying a cheap part etc can save you some money and keep things out of the landfill.

I'm excited to read any ideas you guys have. My next venture is going to be meal prepping, so any tips for that would be extra awesome!

Always curious what others peoples finances look like, what they use to manage it, etc.

Do you use budgeting software? Do you follow a certain "method" to achieve your financial goals? How strict are you with your budget? Do you automate your retirement investments/contributions?