That way you can just deposit cash when needed and transfer it.Įdit: also adding that if you pay a cell phone bill with your debit card your cell phone is covered up to $1000. Just open a free checking account at a local credit union or a larger bank with free checking. Assuming the new APR for Texas would be around 7, the estimated price of the total mortgage (tax/insurance included) after refinancing would be around 2.2K. Lesson learned is you’ll potentially make a lot more investing portions of your spare cash instead of it sitting in a 0.25% account. The rental income is currently 2,645, with the property manager taking 185 (7), and mortgage almost 1.6K meaning not accounting for other expenses, we pull about 860 per month. SoFi has a dividend ETF that pays out dividends every Friday. So My new plan is to use SoFi and keep a some of cash in stocks of my choosing and maybe 30-40% in some really safe ETF’s based in bonds/dividends. Link a SoFi investment account and buy stocks for free. If you’re out and about and your hungry pull out the app and check out the local offers. They pay at least 0.25% as of now for extra cash in your account.Īll ATM fees reimbursed worldwide with no foreign transaction fees.įree printed checks whenever you need them. ![]() Once you pay for that goal then just move the money over to fund that charge. They have vaults which are savings goals or piggy banks. Please read the information page (not much to read) to understand what to do. For iOS: open Reddit setting, go to open links and change it from ‘in app’ to ‘default browser’. I already had accounts with them but never utilized their checking, just investments. Hey gang, version 2.0 is here or try this link then open google drive and check recent. Having said that I would also recommend SoFi. I realized that once I started really heavily investing this year that my previous mindset was a mistake. I, like you, would chase an account with higher interest so I would earn something while the money is sitting there. So one of the banks that I use, Simple, is going to close. ![]() I am using Google Sheets rather than Excel because I am utilizing Google Query. I like Mint but I dont like the limited control I have over what I can do with the data and the data itself, so I guess I made this loosely based on mint. 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. I created a Personal Finance Dashboard using Google Sheets. Get your financial house in order, learn how to better manage your money, and invest for your future.
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