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On I Was a Victim of Fraud and I Don't Care
@Megs i thought this is what would happen and laughed and laughed until someone overdrew my account by 4 figures and i just went deep into the negative. OVERDRAFT PROTECTION WHY ARE YOU ENABLED :F turned that right off. careful out there, kids.
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On Great Clipart, Turbotax
@lalaland if you work freelance, you just get a big check from the client for the whole amount of the job- you have to set aside money for taxes yourself, and then pay it later (estimated quarterlies or on april 15th). this is as opposed to getting a weekly paycheck with your taxes and ish already taken out, where you can spend the whole thing. so if you get a check for 1,000, you have to set aside $250 or $333, and you can only spend whatever's left (which can be difficult when you need ALL THE MONEY). but then at the end of the year, you owe taxes on every check you brought in. it's about SELF CONTROL, ugh. it is a common freelance trap, to forget about the taxes or to spend that money you've set aside.
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On Adventures in Tooth Care Adventurous/Terrible/Expensive, Even With Insurance
@highjump i read once to promise to only floss one tooth, and then once you get in there to floss it you're like eh whatever and just keep flossing. this works great for my lazy self. also, i rarely flossed before my husband showed me those little dental bow and arrow picks. AMAZING!!! i floss recreationally now.
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On I Have an Idea, Said Someone, Let's Sue Our Students
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On SPENT
@Stina that is a weird feeling but i have had it too! i came into some work recently after a while with no work and was just so happy to be able to manage noodleface's vet bills and not freak out too terribly about how expensive it was. we love the animals tho, what else can we do :)
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On SPENT
@bgprincipessa that is the point which i lost the game. DEBT FOR ME! I need my puppy healthy!!! ironically it is the story of my life right now too. NOODLEFACE MACKENZIE I LOVE YOU YOU'RE WORTH EVERY PENNY
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On More on the 401(k) Problem
@kellyography don't mean to shill but just some helpful places to start: iwillteachyoutoberich.com has some good stuff on investing from a while back (dude is mostly selling career development courses now), but he published a book that's well worth picking up, cleverly titled "i will teach you to be rich" that covers a lot of the investment basics. also check out "smart women finish rich", because of its alluring title, you smart pre-rich lady you. it's a little slanted towards women, but more in the long-term family planning view, not like "omg you need shoez and makeup amirite?". and it goes over investment options and different overall financial strategies and explains what all the different retirement vehicles (401k, ira, roth ia, sep, reits, mutual funds, index funds, lifecycle funds, etc) are, what they do, advantages/disadvantages, etc, so it's handy to keep around as reference. it's also got some really informative charts that display how investing early, as a young person, can be drastically to your advantage- it really kicked my butt into saving early. anyway, good luck :)
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On More on the 401(k) Problem
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On Is It Worth $5 to Return This Bread, What About $4 for These Headphones With a Microphone in Them
ooh, just had a similar thing happen, i bought a cutie little $5 sweater, brought it home, it didn't fit. sad! it sat on my chair for days while i debated if it was worth $5 to walk down the street with it, at one point i was leaving home with it in my hand, trying to talk myself out of it (!). so easy peasy tho, they took it, no moar sweaters to exchange :( but i got some twee little blue leggings and extra bobby pins. VICTORY!
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On I Want to Live Alone
@Titania yup, one of our neighbors got the boot for doing airbnb. nyc.