budgeting

I'm currently renting/cohabitating. The electric bill is included in the rent and the rent is covered by HAP so housing/electric comes to roughly €280 per month. The rental we're in has occasional issues but financially I think it's been good for us. There's uncertainty about my future living...

Hi all! I popped a question on this sub about 2ish years ago after I inherited about R100k at 18, asking for advice on how to utilise that money. Much to my surprise, R100k doesn’t go very far in this economy, especially when you’re young and dumb lol. However, I maintained then what I still...

I've noticed Ph.D. students' salaries (not very negotiable since they are usually government-funded) in Germany tend to be considerably higher than in Austria and I began to wonder how difficult it may be to live for three years of a Ph.D. programme in Vienna given the gross salaries are around...

First off I understand a finical adviser would probably beter bet. But I would love suggestions from ordinary people like me. My goal is one day to live from passive income. So this is my current situation. I’m. 24, turning 25. I make 35k p/m. Around 28k after tax, 29k if I did standby that...

Recently started paying for my own electricity bills in Ireland for the first time (previously in flat shares with bills included). House is a very small single-story terrace, BER G, no gas only electric, only me living here, work from home 3 days out of 5, travelling away 1 week per month...

I struggle keeping a long term perspective on my budget on a day to day basis. In the past this lead to making a series of large impulse buys without considering the month-to-month impact on my budget, resulting in me rapidly racking up CC debt. After several years of trying to pay down my CC...

Hi, New here but let's not waste time. My wife and I earn R62K gross collectively in a month. Her car is old and I have spent 50k on it in 2 years and currently, it is worth around R80K. We are considering selling it and buying a Corolla Cross for R400K. We want to put down a deposit of R100k...

I'm 31 and on 81K a year. I've doubled my income over the last 3 year period. I'm not very clued on when it comes to anything financial. I made heaps of mistakes taking out loans and credit cards when I was younger and I'm just starting to get things under control now. I've had a few defaults...

So long story short is, I'm 28, and my wife, 27, has 3 kids, ages 7, 5 & 2 years old, from a previous relationship (I won't go into detail) and we're expecting another (ours) in 4 months time. She works Mondays to Fridays from 8 to 5 as a florist, and she earns roughly R7200 pm. I just started...

Hi, I’m looking to receive financial advice. I’m an international uni student and receive an allowance of about R4,000. I’m 20, F and I really want to take handling finances seriously since I’m away and have to be independent. Should I invest in bitcoin with the money I put away? Should I keep...

Are there any channels that are better than other channels for purchasing prepaid tokens? I.e there's a cash back or smart shopper points etc etc ? Just curious.