Google high yield savings account UK. Typically online banks have better rates (3-4%)

Personally I'm a fan of the discover HYYSA but that's because I also hold a credit card with them so it isn't really wasn't a big deal to open up one for me. The rate isn't the best on the market right now but it's not horrible. Just kind of depends what else you use the account for or if you want to be able to drive to a physical location and take money out

The owner of the house determines what fair rent is. Probably not 50% of the mortgage but if you're actually going to get married eventually then it won't matter anyways.

Splitting anything based on income hardly makes sense.

The rest is relationship advice, in terms of how you agree to split things. The fairest, healthiest way when married is 50/50 split unless 100% certain agreed not to for a variety of possible reasons.

On one hand it's whatever works for you.

On the other A owns the home and pays all bills, repairs, taxes, insurance and B pays 50% of market rent on the home.

Utilities are split down the middle.

If A wants to reduce the charge because the home would otherwise not be B's pick or because they want to eliminate the 'profit' portion of rent to be affordable that's fine but justifying any lesser s[;ot charges because of income is silly. I don't pay less for milk because I'm poor. Why would I pay less for rent?

This stuff always gets weird when you're dating your roommate. Talk about it and decide what would make both of you happy. Marriage seems like it solves all the problems.

Do they have a SS# or ITIN?

Not being on the mortgage shouldn’t matter. They’d be renting from someone else if not from them.

Only time I’d see it be a problem is if the owner is trying to make a profit off the other.

If the end goal is to get married (not sure I’d sign a 30 year commitment without it), then would it really matter if “owner is getting equity and I’m not!”?

Health insurance. Any lurkers here please note this. GET HEALTH INSURANCE. You may think you’re in perfect health but you never can predict an accident like this. A week long hospital stay is NOT going to be cheap.

People pull confidence schemes everywhere, not just in the city.

Ignore the note and move on with your life. If you didn't notice hitting them when you pulled in, that's it. You were there, they weren't.

Having liability at least equal to your net worth is smart.

I'd also consider a $300k umbrella policy that kicks in after your liability is tapped and covers other liabilities after renters or just general life liability. Super cheap insurance.

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This is just a budget question. You need a budget. How much do you need/want?

Let’s say $50,000 in 3 years. That’s $1388 a month. Can you save that monthly? Adjust accordingly. $30,000 is $833. This depends entirely on how much you need and how much you have left over monthly

Look up on the internet for the process on how to deal with collection companies. It starts with having them prove the debt. Watch your credit report and dispute the charge if it shows up.

If learning and honing your power of hindsight only costs you $6k then count yourself lucky.

Lots of people spend far far more to never learn the lesson of what it is that money can do for them that does make them happy and fill a void and what they do that is just rote action that they do to do.

Spending your limited money on the things that will give you the best utility is what it's all about and no experience is a total loss unless you fail to learn.

You should still be able to contact their customer service with the same login information you used to create the account.

And asked them why they didn't inform you of the "debt" you had with them because even if you canceled your subscription, they should still have sent an email stating that you had a balance due at least a couple times before they sent your account to collections.

Next he's gonna say the blocked his phone number or they hacked his phone to prevent it from dialing their number.

The best thing I did for my relationship with money was form a zero based budget. It let me responsibly decide how much I could spend on frivolity without sacrificing big picture goals. It’s a very useful exercise, i highly recommend it.

There are several software options that can help you set it up - or Excel. I use YNAB4, but they don’t sell it anymore. I highly recommend it if you can find a copy online

There are a few similar systems I haven’t tried

r/actualbudget r/AspireBudgeting r/Budgetwithbuckets r/everydollar

The new r/YNAB is subscription based and IMHO, overpriced. There are threads there about alternatives from time to time

Your parents would rather you make less money than take the step towards higher pay? I don't understand this about a lot of folks, especially parents. A higher salary job isn't going to just fall into your lap. You need to make strategic career moves, including physical ones, to advance your career. I understand everyone's situation is different. But the argument that moving out offsets the salary increase is moot once you realize that the cost of living will always increase and your pay will remain stagnant unless you make these jumps. But barring physical disabilities where children may be playing caretaker roles, parents cannot be stunting their adult children's growth for the sake of feelings. I also can't imagine how it affects one's mental health to be working from their parents' home 100%. Good luck in this new endeavor! You've earned it!

yes you can. setting>click your name>subscriptions

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The “hobby” didn’t actually put you in debt? Pack it away. Finish school. Get a job. Deal with it later.

A 90-minute round trip daily commute is 7 ½ hours a week. That's a full work day. On top of which you're losing a day off by working 5 days instead of 4.

Plus, you're going to end up spending about 50 extra dollars a week on gasoline. Not to mention all the extra money you are going to spend on lunches.

If I were you I would not take it and try to find other ways of making extra money instead.

They hold their value too well to be the culprit. Or so I tell myself…

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