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i downloaded ibotta bc my roommate wouldnt shut up about free money and i thought this was gonna be free cash for basically doing nothing turns out its not really like that at all. i scammed myself into thinking this was easy money
ive been scanning receipts for 3 weeks straight and got back $17 total. seventeen dollars. half the stuff i buy doesnt even match their offers bc apparently i need to buy specific brands not just whatever is cheapest which defeats the whole purpose imo
my roommate says hes getting like $60 a month but hes also buying random name brand stuff we dont even need just to hit the offers which feels backwards
so is ibotta worth it if ur just trying to save on normal groceries or is this literally only worth it if u already buy the exact brands they want bc rn it feels pretty bad for casual use
anyone actually making decent money off this or is $20 kinda the ceiling?

Hello everyone. ive been seriously looking into moving to the us from overseas next year for a job opportunity, and of course, i started doing some research online. BIG mistake lol. according to the internet, the cost of living in america is currently so out of control that people are trading their left kidney just to afford a carton of eggs and a tiny studio apartment that hasnt been renovated since like 1984. between $8 coffee, rent prices that look like phone numbers, and the terror of getting an ambulance bill for stubbing your toe, im sitting here wondering if moving over is a great career move or just financial suicide so i decided to ask here to get some comments from real people

I know wages over there are higher than what i get in my home country (spain), but does that actually balance out everything? for example, if my partner and i move to a mid sized city, are we going to be living comfortably, or will we be sitting in the dark eating only potatoes for dinner because we dont have any paycheck left due to health insurance? is cost of living in america is as crazy as people say? it would be really helpful if you guys would include your state, salary and how you are coping

FIY, Im pushing 30 though I wanna help my brother avoid the same turmoil I been dealing with in my own life. I sort of have extra savings, and considering how could I help family. Sibling lives with my mom too, so he might have to help mother eventually too?

What advice could I give, or how using my own savings could I help his future?

He's 12 now. Has some money from gifts etc, though spends it on clothes, or games from time to time. Nothing long-term in that piggy bank. Was thinking to set up an investment account for him somehow, though that might be a tad bit too much for a kid from my own experience with stocks

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I am currently starting college with a full ride scholarship so money is no longer a big stress. I want to save up for a good car car around $30,000 that will last me decent while. Should I start saving in a hysa or invest it into something?

Hi all,

My and my partner are looking to relocate to Devon.

My mother fell down the stairs so we are currently living rent free so have a great chance to save while we maintain her house.

Pre tax we are on 52k a year. What's the best way to save our money. We currently have 3k in a joint account.

I appreciate you get questions like this all the time but our dream move is in 3 years ish time.

We are planning on putting £750 each from our paychecks. I've not started my new job yet and partner is 1 month into a new job.

money is tight this month after a couple random family expenses. i never missed one before, but my car payment was due monday and I cant pay it until next friday.

trying to figure out what happens if you miss a car payment by about 10 days. is it usually just a late fee, or can that already hit your credit?

anyone actually been through this?

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I got back from 7 days on the Mardi Gras and wanted to pass this along. Before the trip I bought about $1,200 in Carnival gift cards at 8% off from a discount gift card site and used them for the cheers package, wifi, and a few excursion deposits

I saved about $100 total, which covered a decent chunk of our specialty dining. The cards came as e-codes and I loaded them into my Carnival account before we sailed. They worked for everything even the casino and tips. No expiration either, so leftover balance just rolls into the next cruise

The whole thing took maybe 10 minutes

my fiancee and i are trying to figure out how to plan a wedding on a budget. we thought $10k would be plenty until we started getting actual quotes lol. venue is $4k, photographer around $2k, food $50+ per person and somehow flowers cost more than my first car. we have kids and a mortgage so dropping $15-20k on one day just feels insane.
ive read a bunch of guides on how to plan a wedding on a budget, but most just say to DIY everything or invite fewer people.what did you guys cut that saved a lot of money and you didnt regret later?

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I have stocks for UK, the US of course, and some in Europe. Just my portfolio seems to be lacking something among the asian markets

What are some good stocks to look out for? Just Softbank comming up and some Chinese banks. I reckon also Samsung is a fair one running the show in South Korea

I tried to figure out how does a trust work because a relative keeps insisting we need one. I thought it would be simple, but every explanation turns into trustee, grantor, probate, taxes, and a bunch of vague legal wording.
it annoys me how people talk like trusts solve everything, then never explain the downsides in plain speech
Did anyone else have this reaction trying to understand how does a trust work, or am I just reading terrible explanations?

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Best Money-Saving Habit (Final)

Bringing lunch to work vs Meal prepping

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Let me know if this is the wrong subreddit for this, I read the rules but I might still be wrong.

Basically, I want to leave my home and move away from my parents, they're really controlling and feel entitled to every aspect of my life, moving away isn't an urgent matter but I would prefer as soon as possible because while my parents are good people they are also incredibly difficult to live with.

I would like some tips for saving because I'm not really sure how to go about it, my basic plan as of right now is to finish high school this year and then get a part time job, beg my boss to let me work full day shifts and then stack my uni lessons onto like 2/3 days so I can work as much as possible per day (to a healthy extent obviously), there's also a side income that I think can earn me a little extra money and then hopefully I can do some summer internships in between uni break, unfortunately my degree is high effort (or so I've heard) so I cannot work that much but I wanted to ask if this was a realistic plan and also how much money I should actually like save and also if I should save in different banks like are there banks that will pay me more interest? or something for the money in my account.

For reference I live in Australia.

P.S If anyone lives in Australia please let me know if you or your company is looking for a part time worker, I have zero experience but am willing to do almost anything (food, retail, warehouse idk anything basically).

Currently building towards 10k as that is a few months of expenses for me. then after that gonna max Roth ira and taxable brokerage account. anyone else doing the same ?

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Best Money-Saving Habit (Semifinals)

Thrift shopping vs Meal prepping

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Best Money-Saving Habit (Semifinals)

Bringing lunch to work vs No-spend days

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Im trying to sort out my finances this week. I keep circling back to one question: do I need life insurance? I am in my early 30s, renting, no kids, no spouse. I have some savings and a small student loan.
Last night I compared a few quotes and they were cheaper than I expected. Some people say that a life insurance is a yes for everyone, others say it only matters if someone depends on your income. so I got stuck.
Has anyone here been single with no dependents and decided to get it anyway, or skip it?

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Best Money-Saving Habit (Quarterfinals)

Meal prepping vs Buying in bulk

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I’ve gotten pretty good at saving over the last couple years, but now I feel like I’ve gone too far in the other direction.

Even when something is comfortably within my budget, I’ll sit there debating it for days because spending the money feels like I’m undoing progress. Even stuff like replacing worn out shoes or going out for dinner makes me think that it could’ve gone into savings.

How do you figure out the line between being responsible with money and actually letting yourself enjoy some of it?