Announcements

This week’s Community Announcements 2.14.20

Maryann
Hi everyone, Happy Valentine’s Day! Anyone have any fun plans to share? I’m curious to know if you’ve planned something budget-friendly. :) In the spirit of Valentine’s Day, I thought I’d highlight some relationship-related threads. Whether it’s a spouse, family member or friend, our relationships have a lot of say-so in how we manage our money. We’d love to get your perspective on these threads: This single Penny Hoarder feels uncomfortable with not having someone to bounce her financial...Read More...
@dboothe Thanks! We both don't really care to much for "possessions" and so we try to be thoughtful about what we spend our money on when it comes to gifts. So many people just buy things because that is the typical gift to get that time of year and that is why holidays are so commercialized. But I believe that thinking outside the box a bit and doing something unique can be much more memorable!Read More...
Grandkids are such a gift!! Enjoy your time with her "Bubbie"!!Read More...
Last Reply By Moore Income · First Unread Post

Community Buzz

Financial Fitness February: Day 20

Moore Income
20 days of keeping track of things financially has really helped me to get a better perspective of my finances. I don't know that I would recommend everyone write out a long post every day as I am doing, but I would suggest keeping a daily journal of your WINS, losses and every day expenses. Here are my financial WINS for today: 1.) Another Day With eBay Sales I have noticed sales starting to pick up on my eBay store. Usually, January is a pretty slow month for most resellers and February...Read More...

Help me out here. Theater or no theater?

Forum: Save Money
Elice Max
I have gotten pretty good at saving money. It’s a long shot but I am trying to save for my eldest son’s college. But there is a once-in-a-lifetime show happening in a theatre near to where I live. Its Edith Nesbit’s Railway Children , something that both my kids and I would love to see. Although I’m pretty sure that I can make up for the money I would spend here (more freelance work for me), a part of me is worried that this would open the floodgates and I wouldn’t stop spending afterward.Read More...
Mike @Michael Metzger Great advice! @Elice Max I agree, it should not be an impulse purchase but it sounds like you are putting some thought into it which is good. After a day or so, if you still can't get it off your mind then it might be worth it. We all work hard to keep our finances in check but we also have to realize that sometimes, it is moments like these that are the reason we work so hard on it in the first place. As far as not continuing to spend, it will take some self control,...Read More...
Elice- it's hard to say not knowing your situation a bit further. However, I can share how I tend to look at these situations. I first wait a day or two to make sure it's not an impulse purchase. Then I wonder how that particular expense will effect my financial situation. Will I have to pay interest on this expense? Will this prevent me from paying other bills or enjoying other activities that I do on a normal basis? Whats the over-reaching impact that this expense might create? And then I...Read More...
Last Reply By Moore Income · First Unread Post

Financial Fitness February: Day 19

Moore Income
Wednesday came and flew by and I am just trying to figure out how we are already half way through this week! Here is what went down financially for me today: 1.) Edited & Posted a Video A lot of my morning was spent on editing a video that I got done and posted this morning. It is taking me a lot longer than I wish it would to get videos posted on my channel, but I just have to keep in mind that it is a learning curve and the more I do it, the better I will get. While right now, posting...Read More...
@MsKimberly That is great! It is always good when you can find a job to provide income to also help you to develop a skillset that can be used elsewhere! My wife works at a Montessori school because she loves teaching even though she doesn't have all the certifications to be the lead teacher there or elsewhere yet. But once she finishes her education, she will already have quite a bit of experience under her belt!Read More...
Tutoring---I need current experience in teaching. That is one of the reasons I took on a job at a daycare.Read More...
Last Reply By Moore Income · First Unread Post

Cable TV, Internet & selling wardrobe.

Forum: Save Money
Jobelle Collie
I’m looking through my budget for things I can cut out. I have a major event in December, 2020. I need to keep internet service because of house alarms, laptops and devices. I bought a ROKU device and I find I only watch my Hulu, Netflix and Youtube. I know where to find news and critical weather news online or on my ipad or iPhone. $160/mo is what I’m paying now. Can I get internet and a tiny TV package cheaper? This sounds obvious, but I’m I dizzy blonde. lol I’m also stopping my YMCA at...Read More...
Sounds like a lot going on. As far as internet goes, if you go online to cordcutters.com or cord cutters news. You can find all kinds of info. They're on YouTube also. Good luck.Read More...
Last Reply By Al biscotti · First Unread Post

Buying Generic Over Name Brand

Forum: Save Money
Nicole D.
Who here opts for generic or store-brand products over brand-name items to save money? I know I do. Sometimes the savings are minor, like 20 cents off a can of beans, but other times, I can save over a dollar on an item by not going with the brand-name version. Of course, there are some products I'm picky about, like my moisturizing cream. I buy the Cetaphil brand because I feel like it's the best quality for my skin, even though the store-brand version is always cheaper. What things do you...Read More...
I will buy the generic brand of almost anything, mostly because I really don't have any preference for the most part. Even some over the counter medicine I will just get the generic brand. For example, I needed to purchase some Sudafed a while back and then I saw the generic brand which was quite a bit cheaper. On the box, it even said it was Sudafed and it worked just the same. The only thing I would say I am picky about is clothing, and specifically pants. But in this case, it is not so...Read More...
@sthom and @KellyFromKeene , I'm also an Aldi's fan! I recently moved and am so glad to have an Aldi's close to home. @Jobelle Collie -- I definitely agree with you about those one-ingredient staples like sugar, salt and pepper. I don't see the difference in using the name brand, so I pick the store brand to save money.Read More...
Last Reply By Moore Income · First Unread Post

Financial Fitness February: Day 18

Moore Income
Today I spent a lot of time working on doing bookkeeping for my business but I did have a few nice financial WINS to share today 1.) More Dropshipping Sales The sales continue with my dropshipping products, it is still things related to lighting. I believe it must be the time of year when people update their lighting both indoor and out because I sold one indoor lamp and two sets of landscaping lights. With each sale bringing in roughly $5 in profit, that's $15 in extra income and the orders...Read More...
@MsKimberly I do get tips on a lot of deliveries but there are always some that don't tip me. Last I checke I got 2 more tips from those 5 so that would mean that 2 of them did not tip.Read More...
@sthom The description of this item goes as follows: " For plaster, drywall, wood. Sprays on like paint but dries like rubber! Prevents cracks from reappearing. " So in short, I think yes.Read More...
Last Reply By Moore Income · First Unread Post

I Need Debt Consolidation Knowledge

Forum: Debt
Bob Swift
I was reading this article but I did not find anything related to debt consolidation . I want to get a brief knowledge of it. Once I visited and they were saying through their article that before consolidating multiple debts you need to take the advice from an expert in this field, technically they were right. But I want to make the decision about whether I should go with this theory or not. Look my background is bio-science and I don't know much of it. I need knowledge, not any advice.Read More...
Instead of consolidating your debt, you might want to look into a debt relief program. I worked with Freedom Debt relief and paid off $35000 in credit card debt in 3 1/2 years.Read More...
@Bob Swift Here is the new topic I created from your reply on my post. If I understand correctly, you are looking for a basic understanding of what debt consolidation is and how it works?Read More...
Last Reply By DOROTHEA MAYHEW · First Unread Post

Financial Fitness February: Day 17

Moore Income
I really don't have a lot for today's post other than to say that overall it was a great day. I ended up staying up until 4 in the morning today so that I could pick my wife up from the train station since she was coming back from Illinois. Because today was Presidents Day, she didn't have to go to work (at a school) so we were able to sleep in and then just spent most of the morning relaxing. In the afternoon and evening, I got a few chores and errands done while my wife was babysitting and...Read More...
Thank you, Kelly!Read More...
Congratulations @MsKimberly ! I hope it is a great move for you all the way around.Read More...
Last Reply By MsKimberly · First Unread Post

car warranty

Forum: Save Money
Van Jalaber
Is a car warranty worth purchasing? Cost $3500 for 24,000 miles. Used car 2017 Kia Serento,70,000 miles.Read More...
You have to weigh the odds of whether or not you think you're going to need more than $3500 worth of work on your car within the next 24k miles. A 2017 is almost new, I can't imagine too much going wrong with it if you keep up the maintenance. To me (and this is me), I would rather put $3500 in an account and keep it in case something does happen, if it doesn't then you still have $3500. However, one thing about me is that I've never spent more than $2k on a car, so if I had $3500, and...Read More...
Last Reply By JeremyM · First Unread Post

hello

Evelyn Orourke
thank you for thinking of me, been busy i made amends with my creditors, 3 months ago when i got my income tax i was able to pay off fingerhut account and amazon prime account now i can call transunion to see if i get my full raiting back up to par, i love Penny Hoarder, i keep in touch much as i can .. i am still dealing with one collection co i want off my credit report they are bugger to deal with i already paid em 5 yrs ago .. i did not get credit for . medical bill i refuse to pay lol...Read More...
Good morning! Glad to see you here. Good luck with that medical bill. I hope you have documentation that it was paid! It's always hard when dealing with a large organization.Read More...
Last Reply By KellyFromKeene · First Unread Post
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