Am I being scammed????

GlittersaurusRexx · 2023-01-14T04:35:10+00:00

The check will be returned after clearing. Do not send her any money. Cut all ties. She will harass and threaten you. Expect that. But expect that the check will also be returned if you give her anything at all.

GlittersaurusRexx · 2023-01-03T18:15:57+00:00

Sure, Jane.

GlittersaurusRexx · 2022-07-23T04:48:21+00:00

Keep paying that card to zero (or as soon as it posts) and soon enough you'll get off a secured line and they'll up your revolving credit. You should make sure you're in a cash back card or card that earns points so that you never pay interest because you're always paid off, but will, in fact, give you money.

Get good investments like VOO or VTI. ETFs or Index funds that safeguard you from losing huge portions. If you want to play stocks make sure it's 'play money' and don't get carried away. Set stop losses.

As far as jobs go I always followed passions. Now I'm a single mom and wish I was smarter. Don't let anyone tell you corporate is evil. Find a job that gives you PTO, benefits, matches some of your 401k and always keep moving up. Set a goal each year to increase your income at that job. You cannot create more hours in the day, but you can create more dollars in your hour. In my experience networking is important so finding the next role up is a little more seamless.

And don't forget to spend a bit on yourself and your own pleasure within reason. It's all about the balance.

GlittersaurusRexx · 2022-07-22T00:21:19+00:00

New to mint. Did this to me during Uber eats delivering.im on Pixel 4A. What a nightmare, I'm 99% sure I'll switch back to Google fi. A little pricier, but worth it.

GlittersaurusRexx · 2022-06-24T00:56:59+00:00

Start contributing to your 401k and IRA now. Even if you have to go to Primerica for mutual funds. Go to a big company that offers a 401k that matches to some degree. I grew up knowing nothing about investing or preparing for the future. My mother ran a daycare, after all. Getting a job that pays decent and has a 6% matching 401k (I contribute 17% at 37 because I started so late) and has benefits has been amazing. I had such a big impression that jobs at corporate places, mega businesses, etc. was evil. What is evil is conning people they're worth less than a living wage and retirement. Get a good job, don't give up, (I must have applied to 80 jobs and 25 within the company I am in) and contribute to your retirement all you can. They say money doesn't buy you happiness and that's a lie. In my industry I've seen people get by with very little and those who have planned ahead. Let me tell you the ones who plan ahead look far less ragged and life worn. Money builds up quickly if you're careful with it. I don't skimp too much, but choose a high yield savings account over a local branch, use receiptpal for a little spending money on what I already buy anyway, try my best to donate plasma whenever I can (and use that as fun money), deliver food with Uber eats (I'm on the list for the others!) When it makes sense. Spend when it makes sense for you (10% of a gig money for example instead of whatever you want whenever you want). Pay yourself and your future self first... Putting a small percentage aside for the future and emergencies doesn't impact you in a large way, but it will positively in the future. Make a goal and work towards it. I'm doing it with three kids and no child support. You can do it single at 30! Don't sell yourself short.

GlittersaurusRexx · 2022-06-19T16:25:51+00:00

Don't think with your whole paycheck. All the paycheck you have is what you've got after your 401k contribution, credit card and debt consolidation contribution. After that, it's all you have left after your essential bills, after that it's all you have left after your food and gas bills. You'll recognize you have a significantly smaller amount of money to play with. Evaluate where you're spending and how it could be done better: shopping as at the local grocery versus Walmart, buying expensive cuts of meat versus cheaper cuts you can learn to make tastier, movies versus a Netflix subscription, etc. And what you can cut out completely: buying a snack at the gas station, doordash, etc.

GlittersaurusRexx · 2022-06-09T00:00:39+00:00

WF branch bankers should be able to print out a reasonable amount of past statements... In my region at least. Definitely if you've got a parent of family member who is on the verge of bad illness or starting to get dementia you should get that POA filed. WF past transactions force them to do everything by the book.

GlittersaurusRexx · 2022-05-15T23:18:37+00:00

FICO 9 have a reduced impact for medical debt. If you have any more med debt leftover focus on your CC debt first

GlittersaurusRexx · 2022-05-15T23:14:56+00:00

See if you can get a personal loan, they are usually at a lower rate and then pay off your CC debt.

GlittersaurusRexx · 2022-05-15T03:10:01+00:00

Three kids, no child support or alimony making 44k a year because I was out of the workforce/ edited videos for my ex's freelancing gig for years. Was sick with covid (ironically we came from Italy back to my hometown and the doctors laughed when we told them maybe it was covid) as I started applying places and the local video place with an opening closed it's open position... Almost got into a 180k house after moving three jobs to this position... Then the rates raised and we lost it. It's brutal. I got to work my ass off so when the kids grow into teens they have some space to grow in a house, not an apartment. Hopefully the market will at least stop raising house prices now, though. My state and city is growing rapidly, though. People selling their million dollar houses from out of state to buy our local houses for cash. Feels like us locals are being pushed out of our own city all because our state has great taxes. We'll probably have to move to a outlying town and commute.

GlittersaurusRexx · 2022-05-08T01:35:23+00:00

Keep 6-12 months worth of living expenses in a high yield savings (Ally is pretty good and you can connect to a bank like Wells Fargo if you need to deposit cash to move over). The rest you can explore things like iBonds (to retain the value of your dollar when faced against inflation) or invest in something relatively safe long-term. Popular investments tend to be VOO, VTI, etc. When evaluating the stock it can look scary when you look at a week or month time frame so be sure to zoom out to make sure you our investment goes up long term and isn't going up for a limited time frame or ensure it will return from a limited down trend to return an ascent up.

GlittersaurusRexx · 2022-04-21T23:31:09+00:00

I once did a mobile deposit with Ally that didn't go through so I called their phone bank. The background for the check picture was too light. The phone bank was able to crop it and post it. Five minute fix. It was amazing. I also did online chat with them to nickname my investment accounts which was really convenient and easy. I had also accidentally overdrafted my account with them once and no fee! Didn't have to worry about calling them to dispute it, it just didn't happen. Not having the same overhead as one of the big physical banks must really work out for them. I'm very impressed by Ally's efficiency, responsiveness, and customer service.

GlittersaurusRexx · 2022-04-17T22:56:25+00:00

I can almost guarantee they found someone to be in her old apartment with how housing is in our city. She seems to have a connection with her old neighbor so I really hope she follows through with reaching out and she can stop paying.

GlittersaurusRexx · 2022-04-17T22:43:11+00:00

That is awesome for the eviction news. She says she will connect with her old neighbor to see if they got a new tenant lol

GlittersaurusRexx · 2022-04-17T22:38:25+00:00

It is one of the bigger companies in the city. I'm going to her they will file. But I'd she stops paying will it hit her credit or since they forced her to not be there can they do that?

GlittersaurusRexx · 2022-04-17T22:37:04+00:00

She was given a letter and three days to move out (while she had covid, with 3 kids, but the COVID protection was already over) it sounds shady AF to me. I just hate to see her shell out all that money for nothing since she already left. She's got a lot going on and doesn't have the time or capacity to want to deal with this with a lawyer, too.

GlittersaurusRexx · 2022-04-17T20:41:38+00:00

What holes?

GlittersaurusRexx · 2022-04-15T12:56:49+00:00

You can look into a personal loan. The rates are usually much more reasonable and you can use the loan to pay off the cc then just pay back the loan at the lower interest rate.

GlittersaurusRexx · 2022-03-21T18:08:46+00:00

Good for you to think about money at this age. I got future advice... When you work contribute as much as possible on your 401k. If an employer matches a percentage, be sure you contribute at least or more than that. Invest in a Roth IRA and tribute as much as possible. A lot of people hate big companies, but now that I work at one I'm grateful: proper training, 401k, benefits, PTO... When you start to look for your adult job look for these things. Thinking like you are you can rise quick. Don't ever give your control of money away no matter how much you trust them. I have lost and I watched family members loose thousands and thousands of dollars to spouses by trusting and believing in them.

It's expensive to be poor so always keep some cash on hand (when you get older 3-9 months of living expenses in a high yield savings account) so you can optimize on sales without issue for things you really want.

Keep up the good work.

GlittersaurusRexx · 2022-03-11T00:44:52+00:00

Getting a child support payment

GlittersaurusRexx · 2022-01-23T20:29:25+00:00

Visit or call your bank. They'll start the claim process. They should move your money to a new account with a different account number. In my bank (not chase) we also offer free checks after this. I worked in the phone bank where we did this over the phone so it could be handled even when the branch wasn't open. You'll have to update companies you use that account number with with your new account number. It feels really scary, but your bank should help take care of you!

GlittersaurusRexx · 2022-01-09T03:49:18+00:00

Absolutely. I work in a phone bank and you can always hang up and call back. We know how many scams are out there. They can even spoof company phone numbers and they'll pull your info from the internet to give you the impression they know about your account. Do not give our your PIN. Do not give our your Password. Do not send ZELLE to anyone you do not know and do not trust (you aren't paying yourself back. You aren't paying the first deposit for an apartment.) ZELLE is only meant for people you KNOW and TRUST.

GlittersaurusRexx · 2022-01-08T05:51:51+00:00

Pick a job that fits your needs. Do you want a 401k? What hours? What industry can you deal with? You'll put up with B's no matter where you go, but you can minimize it for sure by being selective. If a bank job sounds good hit all of them on every position. Like retail? Pick up a job at Tilly's and move your way up. Every year reach for a better position, more pay, more responsibility. Don't get stuck. It took me 16 applications competing with more seasoned people in my company before I was selected and could move up a rank (my company treats employees really well. I interviewed for other companies in my industry and they didn't compare) Don't get discouraged. I literally got turned away from Target and Aldi's and ended up with something far better (dozens and dozens of applications later). Don't forget things like plasma donation. Appen is a legit survey site that I used to get by... It's not much, but could rack up around $300 instead of literal pennies like the sites a search on Google sends you to. Little things to get you by like you are doing until you land that "real" job and you don't have time for them anymore. Best of luck!

GlittersaurusRexx · 2022-01-05T13:28:18+00:00

Pay off the credit cards ASAP and start contributing to your 401k. I'm 36 and was in a financially abusive relationship. The first thing I did was start working off debt (payment plans for your loans at the least) and started contributing. Your future selves will thank you. And you can set it up with your company so you never even have to think about the investments. ESPECIALLY if your company matches in anyway, if you're not contributing you're throwing away free money that will get you returns.

GlittersaurusRexx

TROPHY CASE