Given that it appears like your mom has borrowed money in an effort to help you with your schooling, I think the best thing to do is to pay her back. 10k and open up your own personal account. 1k for a crisis finance and do put the rest in a CD as recommended previous.

If you wished to, yes, you could make investments some money in the market, but easily were you, I’d keep carefully the amount relatively small and make investments it in something very safe just like a basic S&P 500 index account. 1k in your account. Don’t fight with your mother over money Just, it won’t be worth it.

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15k clears any and all debts between you two to day. I agree with opening up a store cards. Wait a couple of months and then try. If you’re approved, a month after utilizing it to begin with, and paying that in full for 6-12 months, try again for the student card.

Now if you are denied for the store card, visit a website like Bankrate and compare secured credit cards. 100 to secure a secured credit card which would also enable you to build a credit score. With regard to CDs, the interest rate is exactly what you are paid in interest on the money you invest. It does not enable you to build credit. Your bank or investment company will look at it when you make an application for loans much like how they’ll view a checking account. It depends on your rate. It can’t hurt to compare your current rate from what Navy Federal offers to produce a decision.

I know nothing at all about Navy Federal, but I’ve noticed good things about SoFi, and that means you should too take a look at their rate. Oh okay, have you ever heard of a money market account? I am told it’s simar to a checking account where you set up money and gave certain limitations but I’m not sure I remember exactly what they were. Also, I am definitely gonna make an effort to get the pupil card again just not now since I have this one responsibility, I don’t want stretch myself thin. But many thanks so much for the given information you gave, I’ll take it into consideration.

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