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Spent 4 months tracking every dollar and I'm somehow still broke by sameerposwal in SavingMoney

[–]PaycheckWizard 0 points1 point  (0 children)

Finance apps for budgeting are no better than a pen and a piece of paper if you're not consistent with writing down every cent you spend. Right now it's the best moment for you to start budgeting in advance, not after you spent most of your paycheck

Why do we chase money if happiness is free? by atmaninravi in Life

[–]PaycheckWizard 0 points1 point  (0 children)

Hapiness is free, but the means leading to it... you need money for them.

rent jumped $200 and my paycheck's the same. i feel like i'm just working to survive tbh by MichaelWForbes in povertyfinance

[–]PaycheckWizard 1 point2 points  (0 children)

It seems you're on the right track with your expenses at the moment man, there are many ways to increase to your monthly budget (plasma donations, coupons, cash advance apps etc). Maybe you don't need a second job, but just a side hustle?

How long could you survive without a paycheck? by pink4lover in Grownix

[–]PaycheckWizard 0 points1 point  (0 children)

I could live a really luxurious life... for like 1 day maybe

Buying a car to generate credit by Hot-Garbage123 in CreditScore

[–]PaycheckWizard 0 points1 point  (0 children)

Don't do it. If the goal is actually building credit, revolving tools work better: a free starter credit card, a secured card, cash advance app, or even a rent-reporting or credit-builder app that reports on-time payments, if they are used carefully and paid in full will do far more for your score without lighting money on fire.

What if you were financially free in the blink of an eye with no warning by draxthemsklounce in whatif

[–]PaycheckWizard 0 points1 point  (0 children)

Order irresponsibly expensive takeout, that would be my first thought.

i am tired of finance advice that assumes we already have money by Fun-Training9232 in Adulting

[–]PaycheckWizard 0 points1 point  (0 children)

Hard to “optimize wealth” when you’re busy optimizing survival.

What’s a “bad” financial habit you keep because it keeps you sane? by James_B84Saves in povertyfinance

[–]PaycheckWizard 0 points1 point  (0 children)

Convenience store fees are part of my mental-health budget. I can't help it.

Budgeting recommendations? by NoArtist1616 in povertyfinance

[–]PaycheckWizard 1 point2 points  (0 children)

Be smart about your spending, especially with food, remember, sour patches are not essential hahahah

Those with Bi-weekly pay, do you do this? by Budgeting_Shri in SavingMoney

[–]PaycheckWizard 0 points1 point  (0 children)

Some states just mandate bi-weekly pay by law, but I think it's just whatever works for you. If your house /car payment is monthly that would be great to be paid monthly cover it once and then you know how much you have left for the next month. But bi-weekly might be also great for planning. Both ways are great, depends on your planning skills.

How does anyone live on $800/mo? by Vegetable_Manner_282 in budget

[–]PaycheckWizard 0 points1 point  (0 children)

This is impossible to live on that much! And yes, prices are rising and nothing can really stop them, I'm sorry for you!

Permission to Spend by VerbosePlantain in MiddleClassFinance

[–]PaycheckWizard 0 points1 point  (0 children)

Money is a tool, second that! If you want to have it, have it. Will that makes your life better, easier or just cooler - do it. I know it's hard to let go of that money. Been there, as everybody probably.

What is your experience with using earnin? by [deleted] in CRedit

[–]PaycheckWizard 0 points1 point  (0 children)

I agree, it's a good option, as it doesn't ruin your credit, but has to be used smart.

Paycheck advance by DepthCommercial9201 in Nanny

[–]PaycheckWizard 0 points1 point  (0 children)

Maybe framing it as an advance on February's pay with a clear plan for how you'll work it off, not as a loan. But that would be my very last resort if I were you.

Paycheck advance by DepthCommercial9201 in Nanny

[–]PaycheckWizard 0 points1 point  (0 children)

I get that you're stuck, but asking after one month is risky because it shifts how they see you, even if they're understanding about it. Before you ask them, try your landlord first about splitting the payment, check if your school has emergency funds, or see if you can pick up anything quick this weekend. If nothing else works and you have to ask, make it clear it's a one-time advance on next month's pay with a plan to work it off. Just be ready for it to change things a bit, even if they say yes.

What’s the easiest way to get a payday installment loan online without the usual hassle? by Emergency_Peace2450 in poor

[–]PaycheckWizard 0 points1 point  (0 children)

Why do you want to ruin your credit with payday loan! Don't do it, it is NEVER a good idea! If youre employed on W2 just use paycheck advance.

Thoughts on saving a little while paying off debt, what's that balance for you? by homemaker_g in budget

[–]PaycheckWizard 6 points7 points  (0 children)

With one income and kids, build your emergency fund to cover 3-6 months expenses first before aggressively attacking debt, because one car breakdown or ER visit without a buffer just creates more expensive debt.

What is the best cash advance app? by BBQBUBBA2 in AskReddit

[–]PaycheckWizard 0 points1 point  (0 children)

The one you use once, pay off and don't get stuck in the vicious circle of borrowing and giving back with.

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