#Reddit r personalfinance how to#
#Reddit r personalfinance update#

Details: My wife and I are in our mid 40s and have been married ten years. 60K in consumer debt, but Expenses in my household have gotten out of control, and I feel like my only recourse is to withdraw from my 403 (b). I type % amount of each bucket and then it calculates all the amounts based on my paycheck transfer / account balance. by dumbquestions4reddit Reddit, I am in a jam. I have a spreadtheet I use to do exactly that. Personalfinance books recommended by reddit The Bogleheads Guide to Investing I Will Teach You To Be Rich The Millionaire Next Door The Total Money. I imagine I would type in a % amount I want to set up for each of the transfres (it would represent a % of my MAIN Acct.) and confirm it all with a simple click of a button. I need some app, be that mobile or web, which allows to manage your money by setting up automated transfers by percentage of what flows into your account. I'm turning my fate into your hands dear reddit users. I'm sure there must be a better way, hence this post.

#Reddit r personalfinance update#

And the changed transfer amounts don't even update in real time (#bankingsoftware, am I right?) so I have to take a screenshot of the transfers before and mark each one I change as I go to not keep making mistakes by changing the same transfers. I'm going crazy, since it's a time consuming process to edit and confirm with mobile authorization.

Please let me know if you have any questions. Now, every month my paycheck differs, so I have to go and manually update each and every one of my automated transfers to reflect a specific % of my income I have precalculated in a Spreadsheet.Īlthough app isn't bad, it lacks this finance management feature I just have to find somewhere. Unfortunately, due to the last prime increase your payments are now 478.50 so we need to amend the existing pre-authorized debit agreement to reflect not only the new Loan payment plus the 6.50 for the account service charges total of 485.00. By bucket system I mean having a set of accounts for which I have separate transfers set up each month for specified amounts which execute on specific days. A place to discuss personal finance for New Zealanders. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.Īs my income isn't fixed and I'm obsessed with efficiency, I just hate using the Santander app to manage bucket system.

#Reddit r personalfinance how to#

Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. r/PersonalFinance is a community made up of 16.4 million members that describes itself as a community where you can learn about budgeting, saving, investing and retirement planning. Scam alert: Ignore any private messages or chat requests.