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For those Who do not drive, what is the cheapest way to get around? Featured

Forum: Save Money
For those of you who do not drive, what is the cheapest way for you to get where you are going? That may be work, church, shopping or the library. Is it a taxi, Uber, a private driver or some other day?Read More...
@MsKimberly I knew a teacher, in high school, who was kidnapped by a taxi driver on her way home from a party. You can never be too careful!Read More...
Hmmm, The Mass Transit bus system here in the Baltimore is subsidized at 50%, a waste of taxpayers money, the riders should pay full price for the service, yet they dont. There many criminal incidents on the buses and at bus stops that go unreported, it makes the mass transit system look bad. The taxpayers here pay for the buses and the trains (light rail and subway) to move people. Plus there are free buses-the circulator buses-to help people get around. So in answer to the...Read More...
Last Reply By Miranda Mattson · First Unread Post

Credit Collections

JessiB
I'm new here but I have a question that maybe someone could possibly help me with. Several years ago I had an unfortunate accident on my job that ended my career due to the injury I was unable to return due to debilitating circumstances. At the time of my loss of employment I was unable to make the loan payments on my vehicle and surrendered it to the credit union that the loan was with. After which the credit union sold the vehicle at auction for less than I owed. It wasnt until 2 years...Read More...
Not sure about this answer, but I do know that often times debts that were forgiven or written off are often "sold" to third party collectors and usually it's several years after the fact. It may be those collectors who are contacting you. If it were me, I would contact the credit union directly and ask to speak to the loan or collections department and ask them the status of the loan. If it shows that way on your credit report, there's a good chance it was taken care of and the third party...Read More...
I wish I had an answer for you but I do not know! I'm hoping that someone else has some experience with this...?Read More...
Last Reply By tg · First Unread Post

Travel

Anthony Thomas
For those interested in traveling you should try Next Vacay! They provide a service of finding the most inexpensive flights to some of the worlds most desirable places. Be prepared though to sign up for an annual membership. The cost for it is $25 per year. Recently someone found a flight from Charlotte to Spain for $300 round trip. Great deals!Read More...

Strange credit card tip

Forum: Credit
Hey, So I was listening to the radio one time when they started talking about a strange credit card tip. Put a condom on it--seriously. The reasoning behind this is that you'll be embarrassed to pull out your credit card due to the rubber and will think very carefully before using it. Hmm, that was unfortunate phrasing... Thought I'd just throw that out there. What's the strangest credit card advice you've ever received?Read More...
Freeze it in a block of ice. I didn't have a microwave then, so I had to thaw it with hot water and that took time.Read More...
Last Reply By KellyFromKeene · First Unread Post

How effective is Credit Shield 360?

Forum: Credit
Brodie Leap
My wife has been working very hard at boosting her credit and pays everything on time, uses her credit cards responsibly, and usually only for revenue producing items for her business. Irresponsibility of an ex-husband still lingers on a credit report like an anchor and it seems like her score will not budge. Question: How effective is credit shield for $9.48 a month? Should we just suck it up and go with one of the $79+ per month companies? Thanks in advance!Read More...
We actually wrote a story about a woman who had a lot of success with Credit Shield 360: https://www.thepennyhoarder.co...llection-shield-360/ But I'm also curious to see if any of our members have had their own experiences!Read More...
Last Reply By Briana · First Unread Post

Supporting community growth!

Briana
In order to continue to support our wonderful community and its growth, we wanted to give a heads up that we are now testing an ad-supported model. The reason we're testing this is to be able to invest more in the community by adding more features and providing even more ways for you all to connect with one another. Your experiences are a top priority and will continue to be. As we continue to enhance the community, we will keep the lines of communication open. We appreciate your loyalty and...Read More...
OK! Thanks for the heads up. I honestly likely would not have noticed, since ads are everywhere...Read More...
Last Reply By KellyFromKeene · First Unread Post

Can you help answer these questions?

Your fellow Penny Hoarders are looking for your tips, thoughts, and experiences! Here are a few threads that are waiting for your response - think you have a tip or experience to share?

What happens to my FSA if I leave a job?

How do you distribute your income?

What type of return does investing in real estate trusts usually garner?

Community announcements

This week in... The Penny Hoarder Community!

Briana
Happy August - and Tuesday - Penny Hoarders! I hope all of you are having a fantastic week so far! Announcement 1: As most of you know, each month we crown a Member of the Month - someone who is super helpful and active in the community. Each winner receives a $25 gift card and their face displayed in the community for everyone to see! This month’s winner… @AverageJoe is a super active, compassionate member who is always there to lend a comforting word or wisdom or piece of...Read More...
@AverageJoe , Let's not call it 'old' I remember that song!Read More...
KELLYFROMKEENE...as the song of old says, "I second that emotion!"Read More...
Last Reply By KellyFromKeene · First Unread Post

This week in... The Penny Hoarder Community!

Briana
Happy Tuesday, Penny Hoarders! Welcome to your weekly dose of announcements, top discussions, and threads that need YOUR help! Announcement 1: We’re still looking for members to share their thoughts on the new community with us! Interested in recording a short 1-2 minute video where you’ll get to talk about how you found the community and what you like the most? We’ll use these videos to share with the company and other potential new members! Interested? Reach out for more info! Announcement...Read More...
Brianna am interested in the second announcement!Read More...
Like the idea of a Penny Hoarder feedback group.Read More...
Last Reply By Prince_Alarming · First Unread Post
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