Personal Finance Hacks Summary

Managing Expenses and Investments

• Set and forget: Use low-cost index funds for investing and prioritize maxing out Roth contributions.
• credit cards: Utilize a good credit card with cashback/points and pay off balances monthly.
• Delayed gratification: Focus on saving and making more than spending.

Housing and Loans

• Avoid mixing insurance and investments.
• Avoid getting financial advice from banks.
• Freeze credit files to avoid identity theft, utilize resources like Experian and Equifax.
• Use Google Sheets or portfolio tracking apps to track investments. Consider formulas to import data from AMFI or other sources.

Tax Credits and Savings

• Claim WFH tax credit for expenses like internet and energy.
• Claim flat rate occupation expenses for uniforms or tools.
• Tax relief on medical insurance can be claimed if not provided by employer.

Other Tips

• Take advantage of credit card balance transfers for 0% fees and APR.
• Explore hacks like buying cars through credit unions and utilizing tax credits for various expenses.
• Use revenue websites for detailed tax credit information and reach out for support on unfamiliar claims.

Remember that researching, shopping around, and utilizing available resources can significantly impact personal finance management and savings.