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What are your "poor person" money life hacks? (lemmy.world)

submitted 11 months ago by return2ozma@lemmy.world to c/asklemmy@lemmy.world

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Let's get a list going. Like with a Target debit card you can get $40 cash back and it takes 1 to 2 days to be withdraw from your checking.

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[-] Cowbee@lemm.ee 8 points 11 months ago

You actually don't have to spend money with an HSA, ever. You can invest it, and it rolls over. FSAs must be spent within the year you contribute, though.

[-] Chetzemoka@startrek.website 7 points 11 months ago

Sorry, I didn't say that clearly. What I mean is you have to remember to use the damn HSA card when you go to buy Tylenol instead of your normal payment method. This is...where I tend to fail lol

[-] DrMango@lemmy.world 3 points 11 months ago

If you save the receipt you can send it in to your HSA provider and have the expense reimbursed from your HSA. You can do this for many many years after the actual purchase date

[-] Cowbee@lemm.ee 2 points 11 months ago

It's also good to not use it, if you can afford to keep it and spend normally. HSA space is extremely limited, because it's by far the best retirement account available. FSAs are fantastic for spending, as they don't have as many restrictions and don't carry over year over year.

this post was submitted on 05 Dec 2023

307 points (96.9% liked)

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