# Money Management **URL:** https://community.thepennyhoarder.com/c/money-management/45.md?page=1 [Latest](https://community.thepennyhoarder.com/latest.md) · [Categories](https://community.thepennyhoarder.com/categories.md) · [Tags](https://community.thepennyhoarder.com/tags.md) **Page:** 2 --- ## [Credit Card spending is slowing down](https://community.thepennyhoarder.com/t/credit-card-spending-is-slowing-down/3821)
**Author:** [@Wings1134](https://community.thepennyhoarder.com/u/Wings1134)\ **Replies:** 1\ **Last updated:** [October 1, 2023, 1:09pm UTC](https://community.thepennyhoarder.com/t/credit-card-spending-is-slowing-down/3821 "2023-10-01T13:09:09Z")
Buyers have remained surprisingly strong in the midst of a series financing cost climbs pointed toward cooling expansion. Notwithstanding, there are ongoing indications of a shift. Customers are as yet purchasing more t… --- ## [Three ways to grow your Net Worth before the end of 2023](https://community.thepennyhoarder.com/t/three-ways-to-grow-your-net-worth-before-the-end-of-2023/3879)
**Author:** [@Royalty](https://community.thepennyhoarder.com/u/Royalty)\ **Replies:** 1\ **Last updated:** [October 1, 2023, 1:07pm UTC](https://community.thepennyhoarder.com/t/three-ways-to-grow-your-net-worth-before-the-end-of-2023/3879 "2023-10-01T13:07:58Z")
Growing your total assets is a long distance race, not a run. Certain individuals figure out how to resign with a total assets of $1 million. Yet, have confidence that $1 million total assets is a long time really taking… --- ## ["Effective Strategies for Saving Money: Tips and Tricks to Build a Strong Financial Future"](https://community.thepennyhoarder.com/t/effective-strategies-for-saving-money-tips-and-tricks-to-build-a-strong-financial-future/3919)
**Author:** [@mercy94](https://community.thepennyhoarder.com/u/mercy94)\ **Replies:** 1\ **Last updated:** [October 1, 2023, 1:06pm UTC](https://community.thepennyhoarder.com/t/effective-strategies-for-saving-money-tips-and-tricks-to-build-a-strong-financial-future/3919 "2023-10-01T13:06:45Z")
In today’s fast-paced world, saving money has become more important than ever. Whether you’re looking to achieve financial stability, plan for a big purchase, or create an emergency fund, adopting effective money-saving … --- ## [CHIME BANK Incentives $24](https://community.thepennyhoarder.com/t/chime-bank-incentives-24/3869)
**Author:** [@lori.wulff](https://community.thepennyhoarder.com/u/lori.wulff)\ **Replies:** 5\ **Last updated:** [September 30, 2023, 12:18am UTC](https://community.thepennyhoarder.com/t/chime-bank-incentives-24/3869 "2023-09-30T00:18:29Z")
I recently changed my checking account to Chime Bank. For switching over I will receive a $240 bonus. The checking account î --- ## [Bi-weekly Paychecks vs. Monthly Budget](https://community.thepennyhoarder.com/t/bi-weekly-paychecks-vs-monthly-budget/3822)
**Author:** [@stephanie.c](https://community.thepennyhoarder.com/u/stephanie.c)\ **Replies:** 4\ **Last updated:** [September 29, 2023, 12:00pm UTC](https://community.thepennyhoarder.com/t/bi-weekly-paychecks-vs-monthly-budget/3822 "2023-09-29T12:00:25Z")
I have an Excel file that I use to track our monthly income and expenses and we are currently paid biweekly. I’m running into a couple of issues. Firstly, if I create a single use monthly budget solely based on income w… --- ## [Part 2 on the money saving tips and tricks topic](https://community.thepennyhoarder.com/t/part-2-on-the-money-saving-tips-and-tricks-topic/3920)
**Author:** [@mercy94](https://community.thepennyhoarder.com/u/mercy94)\ **Replies:** 1\ **Last updated:** [September 29, 2023, 11:58am UTC](https://community.thepennyhoarder.com/t/part-2-on-the-money-saving-tips-and-tricks-topic/3920 "2023-09-29T11:58:32Z")
Great tips! Here are a few additional strategies to help you save money: Use Coupons and Discounts: Take advantage of coupons, promo codes, and discounts when shopping for groceries, clothing, or other items. Look for… --- ## [Build A Suitable Student Debt Repayment Strategy With These 7 Tips](https://community.thepennyhoarder.com/t/build-a-suitable-student-debt-repayment-strategy-with-these-7-tips/3737)
**Author:** [@pierre](https://community.thepennyhoarder.com/u/pierre)\ **Replies:** 1\ **Last updated:** [September 16, 2023, 10:21pm UTC](https://community.thepennyhoarder.com/t/build-a-suitable-student-debt-repayment-strategy-with-these-7-tips/3737 "2023-09-16T22:21:45Z")
The pandemic-era student loan pause is now coming to an end, and those with student loan bills will be expected to start repaying as early as October after being placed on hold for more than three years. In total, aroun… --- ## [Here’s Seven Smart Money Moves To Make When You Have Extra Cash On Hand](https://community.thepennyhoarder.com/t/here-s-seven-smart-money-moves-to-make-when-you-have-extra-cash-on-hand/3386)
**Author:** [@pierre](https://community.thepennyhoarder.com/u/pierre)\ **Replies:** 1\ **Last updated:** [September 14, 2023, 10:49am UTC](https://community.thepennyhoarder.com/t/here-s-seven-smart-money-moves-to-make-when-you-have-extra-cash-on-hand/3386 "2023-09-14T10:49:59Z")
Over the last several years, droves of consumers have been tightening their purse strings in an attempt to stretch their paychecks further each month as sticky inflation continues to drive up the cost of nearly everythin… --- ## [Simple Budgeting Advice That Everybody Should Know](https://community.thepennyhoarder.com/t/simple-budgeting-advice-that-everybody-should-know/3484)
**Author:** [@Kristine\_Calico](https://community.thepennyhoarder.com/u/Kristine_Calico)\ **Replies:** 0\ **Last updated:** [August 23, 2023, 1:30pm UTC](https://community.thepennyhoarder.com/t/simple-budgeting-advice-that-everybody-should-know/3484 "2023-08-23T13:30:44Z")
The first step toward a sound financial future is budgeting. It enables you to take a close look at your monthly revenue and develop a detailed action plan for how you will spend your money before you actually do. Whethe… --- ## [Swift Money-Saving Tips for Financial Well-Being](https://community.thepennyhoarder.com/t/swift-money-saving-tips-for-financial-well-being/3456)
**Author:** [@Good\_News\_All\_Day](https://community.thepennyhoarder.com/u/Good_News_All_Day)\ **Replies:** 0\ **Last updated:** [August 21, 2023, 9:10pm UTC](https://community.thepennyhoarder.com/t/swift-money-saving-tips-for-financial-well-being/3456 "2023-08-21T21:10:12Z")
Are you seeking ways to swiftly bolster your savings? Whether you aim to bolster your emergency fund or meet specific financial goals, such as back-to-school expenses, the good news is that you don’t need to wait for you… --- ## [Looking for Ideas](https://community.thepennyhoarder.com/t/looking-for-ideas/1953)
**Author:** [@shannon.peel](https://community.thepennyhoarder.com/u/shannon.peel)\ **Replies:** 9\ **Last updated:** [August 10, 2023, 7:51pm UTC](https://community.thepennyhoarder.com/t/looking-for-ideas/1953 "2023-08-10T19:51:29Z")
As an entrepreneur, what problems are you facing that you need a solution for? I’m a writer and my style is to write from the point of view of someone doing research to answer a question or solve a problem. I’m running … --- ## [Planning A Destination Wedding? Here’s Five Tips On How To Budget For Your Destination Wedding](https://community.thepennyhoarder.com/t/planning-a-destination-wedding-here-s-five-tips-on-how-to-budget-for-your-destination-wedding/3249)
**Author:** [@pierre](https://community.thepennyhoarder.com/u/pierre)\ **Replies:** 2\ **Last updated:** [August 7, 2023, 10:46pm UTC](https://community.thepennyhoarder.com/t/planning-a-destination-wedding-here-s-five-tips-on-how-to-budget-for-your-destination-wedding/3249 "2023-08-07T22:46:43Z")
Planning A Destination Wedding? Here’s Five Tips On How To Budget For Your Destination Wedding Stuck on whether to host a traditional or destination wedding? Well, surprisingly enough, up to one in four American couples … --- ## [When should couples start sharing finances (if at all)?](https://community.thepennyhoarder.com/t/when-should-couples-start-sharing-finances-if-at-all/2664)
**Author:** [@will](https://community.thepennyhoarder.com/u/will)\ **Replies:** 13\ **Last updated:** [July 24, 2023, 10:22pm UTC](https://community.thepennyhoarder.com/t/when-should-couples-start-sharing-finances-if-at-all/2664 "2023-07-24T22:22:19Z")
The Penny Hoarder recently conducted a survey that found that 47% of couples who share their finances do so within six months after they started dating. Now, I’ve been with my wife for several years, but we still have co… --- ## [What app are you using to invest your money in?](https://community.thepennyhoarder.com/t/what-app-are-you-using-to-invest-your-money-in/1188)
**Author:** [@al.vergara](https://community.thepennyhoarder.com/u/al.vergara)\ **Replies:** 6\ **Last updated:** [July 24, 2023, 10:17pm UTC](https://community.thepennyhoarder.com/t/what-app-are-you-using-to-invest-your-money-in/1188 "2023-07-24T22:17:02Z")
I have heard of very many different apps and websites but which are you personally using to make a profit with your money? What is the entry cost or fees to use it? Feedback would be appreciated if you have been investin… --- ## [School supply help is on the way!](https://community.thepennyhoarder.com/t/school-supply-help-is-on-the-way/3050)
**Author:** [@mont3carlo82](https://community.thepennyhoarder.com/u/mont3carlo82)\ **Replies:** 0\ **Last updated:** [July 13, 2023, 3:25am UTC](https://community.thepennyhoarder.com/t/school-supply-help-is-on-the-way/3050 "2023-07-13T03:25:19Z")
New York CNN — Looking for class kickoff fundamentals, for example, garments, shoes and hardware, will be a greater battle for families this year who are attempting to deal with their family spending plans with less e… --- ## [Employer provided Insurance](https://community.thepennyhoarder.com/t/employer-provided-insurance/2175)
**Author:** [@kellyfromkeene](https://community.thepennyhoarder.com/u/kellyfromkeene)\ **Replies:** 9\ **Last updated:** [June 22, 2023, 7:08pm UTC](https://community.thepennyhoarder.com/t/employer-provided-insurance/2175 "2023-06-22T19:08:48Z")
Is it just me, or is insurance MUCH harder to navigate than 10 years ago? I am trying to schedule some minor surgery and a few tests prior to it, and WOW, the amount of phone calls, website research, and emails back and… --- ## [Five Pro Tips On How To Set Financial Boundaries When Thinking Of Moving In With Your Partner](https://community.thepennyhoarder.com/t/five-pro-tips-on-how-to-set-financial-boundaries-when-thinking-of-moving-in-with-your-partner/2961)
**Author:** [@pierre](https://community.thepennyhoarder.com/u/pierre)\ **Replies:** 0\ **Last updated:** [June 8, 2023, 6:01pm UTC](https://community.thepennyhoarder.com/t/five-pro-tips-on-how-to-set-financial-boundaries-when-thinking-of-moving-in-with-your-partner/2961 "2023-06-08T18:01:25Z")
As the cost of living bites deeper into people’s disposable income, younger people are entering “inflationships” in an attempt to save money and pay off debt quicker, at least that’s what they think they’re doing. Many c… --- ## [Should I trade options in the stock market or the crypto market?](https://community.thepennyhoarder.com/t/should-i-trade-options-in-the-stock-market-or-the-crypto-market/2877)
**Author:** [@Phoebe\_Dahl](https://community.thepennyhoarder.com/u/Phoebe_Dahl)\ **Replies:** 6\ **Last updated:** [June 3, 2023, 8:54am UTC](https://community.thepennyhoarder.com/t/should-i-trade-options-in-the-stock-market-or-the-crypto-market/2877 "2023-06-03T08:54:16Z")
Hi :speech\_balloon: I’m 30 years old and now living in Germany. I’ve some savings in my bank account that I want to invest in options trading. I’m considering whether to trade in the established stock market or the emerg… --- ## [Does anyone know of any good stock market trackers?](https://community.thepennyhoarder.com/t/does-anyone-know-of-any-good-stock-market-trackers/2862)
**Author:** [@jakelag](https://community.thepennyhoarder.com/u/jakelag)\ **Replies:** 6\ **Last updated:** [May 11, 2023, 10:21pm UTC](https://community.thepennyhoarder.com/t/does-anyone-know-of-any-good-stock-market-trackers/2862 "2023-05-11T22:21:20Z")
I want something like Morningstar but free --- ## [Suggestions on investments?](https://community.thepennyhoarder.com/t/suggestions-on-investments/1655)
**Author:** [@jill.m](https://community.thepennyhoarder.com/u/jill.m)\ **Replies:** 5\ **Last updated:** [April 30, 2022, 9:02pm UTC](https://community.thepennyhoarder.com/t/suggestions-on-investments/1655 "2022-04-30T21:02:30Z")
My husband and I have been very careful about saving our money. We currently have a savings account with about 6 months worth of expenses saved up. We also have a 401k through my job that I contribute to and a Roth IRA w… --- ## [Top Picks From The Penny Hoarder](https://community.thepennyhoarder.com/t/top-picks-from-the-penny-hoarder/2777)
**Author:** [@abe](https://community.thepennyhoarder.com/u/abe)\ **Replies:** 0\ **Last updated:** [April 13, 2023, 5:00am UTC](https://community.thepennyhoarder.com/t/top-picks-from-the-penny-hoarder/2777 "2023-04-13T05:00:00Z")
This week’s top picks from The Penny Hoarder include a money challenge that can your grocery bill by $600, 7 ways to grow your money by not playing the stock market, how to double your tax refund and more. :moneybag: … --- ## [Credit Card Count](https://community.thepennyhoarder.com/t/credit-card-count/2491)
**Author:** [@rick.campbell](https://community.thepennyhoarder.com/u/rick.campbell)\ **Replies:** 15\ **Last updated:** [April 4, 2023, 11:51am UTC](https://community.thepennyhoarder.com/t/credit-card-count/2491 "2023-04-04T11:51:27Z")
How many CREDIT CARDS do you have? Only credit cards that are reported to the credit agencies. I will start, I have 16! Just thought I would post this to get some discussion going. Also, do you use them all on a regul… --- ## [When (and how) do you file your taxes?](https://community.thepennyhoarder.com/t/when-and-how-do-you-file-your-taxes/2572)
**Author:** [@will](https://community.thepennyhoarder.com/u/will)\ **Replies:** 15\ **Last updated:** [April 1, 2023, 2:30pm UTC](https://community.thepennyhoarder.com/t/when-and-how-do-you-file-your-taxes/2572 "2023-04-01T14:30:31Z")
It might be a little early, but has anyone here filed their taxes yet? How do you typically file your taxes? It’s not uncommon for me to have a few miscellaneous tax forms arrive in the mail through the end of February,… --- ## [Inflation and Food Purchases](https://community.thepennyhoarder.com/t/inflation-and-food-purchases/2130)
**Author:** [@paula.reilly](https://community.thepennyhoarder.com/u/paula.reilly)\ **Replies:** 3\ **Last updated:** [March 4, 2023, 4:55am UTC](https://community.thepennyhoarder.com/t/inflation-and-food-purchases/2130 "2023-03-04T04:55:05Z")
I currently receive $240 in SNAP and I made 5 visits to 99Cent store, Walmart, Luckys ( supermarket). I only have $24 left to use for the rest of the month. I am not an overspender and look for the lowest prices. Prior t… --- ## [Car Loan (Impact on Credit Score)](https://community.thepennyhoarder.com/t/car-loan-impact-on-credit-score/2039)
**Author:** [@rick.campbell](https://community.thepennyhoarder.com/u/rick.campbell)\ **Replies:** 4\ **Last updated:** [March 3, 2023, 1:53pm UTC](https://community.thepennyhoarder.com/t/car-loan-impact-on-credit-score/2039 "2023-03-03T13:53:09Z")
I am considering purchasing a new or a newer car in the future, if they can ever get enough parts to build them and get some on a lot to actually drive. My question is this, those that have done this recently, how much … --- ## [Credit Cards and Credit Scores Suck!](https://community.thepennyhoarder.com/t/credit-cards-and-credit-scores-suck/2446)
**Author:** [@rick.campbell](https://community.thepennyhoarder.com/u/rick.campbell)\ **Replies:** 23\ **Last updated:** [February 25, 2023, 4:01pm UTC](https://community.thepennyhoarder.com/t/credit-cards-and-credit-scores-suck/2446 "2023-02-25T16:01:04Z")
Credit cards and credit scores suck. They seriously need to change how the score is calculated so that you can actually ENJOY the privilege of having credit and not be penalized for it! I have noticed that any debt will… --- ## [800+ Club Official Club](https://community.thepennyhoarder.com/t/800-club-official-club/2021)
**Author:** [@rick.campbell](https://community.thepennyhoarder.com/u/rick.campbell)\ **Replies:** 13\ **Last updated:** [February 23, 2023, 6:04pm UTC](https://community.thepennyhoarder.com/t/800-club-official-club/2021 "2023-02-23T18:04:07Z")
I did a search and could not find a post like this so I decided to make one. It takes hard work, discipline and sometimes or often some sacrifice to have a 800+ Credit score so we deserve a place to celebrate. The only … --- ## [Month 1 is closing out soon...how is everybody doing?](https://community.thepennyhoarder.com/t/month-1-is-closing-out-soon-how-is-everybody-doing/2499)
**Author:** [@sthom](https://community.thepennyhoarder.com/u/sthom)\ **Replies:** 20\ **Last updated:** [February 12, 2023, 10:46pm UTC](https://community.thepennyhoarder.com/t/month-1-is-closing-out-soon-how-is-everybody-doing/2499 "2023-02-12T22:46:58Z")
I didn’t make many resolutions (I like to call them “commitments”) but grinding out debt was one of them, and also not to charge anything new that I couldn’t pay off by the due date. I made a start this month by paying i… --- ## [Credit Score Drop because Mortgage Sold](https://community.thepennyhoarder.com/t/credit-score-drop-because-mortgage-sold/2192)
**Author:** [@rick.campbell](https://community.thepennyhoarder.com/u/rick.campbell)\ **Replies:** 4\ **Last updated:** [January 24, 2023, 9:32am UTC](https://community.thepennyhoarder.com/t/credit-score-drop-because-mortgage-sold/2192 "2023-01-24T09:32:25Z")
I got an alert today that my credit score dropped 12 points all because my current mortgage was sold to a new company and I had nothing to do with it. Will my score go back when the new loan is added or will it drop aga… --- ## [Video: 9 Tips on How to Buy a Home for First-Time Homebuyers](https://community.thepennyhoarder.com/t/video-9-tips-on-how-to-buy-a-home-for-first-time-homebuyers/2299)
**Author:** [@will](https://community.thepennyhoarder.com/u/will)\ **Replies:** 8\ **Last updated:** [January 23, 2023, 5:01pm UTC](https://community.thepennyhoarder.com/t/video-9-tips-on-how-to-buy-a-home-for-first-time-homebuyers/2299 "2023-01-23T17:01:05Z")
Buying a house has never been cheap. Since 2011, the average price of a house in the U.S. has more than doubled — rising from $176,000 in 2011 to $358,000 in 2022. Yikes. While recent months have seen home… [Previous page](https://community.thepennyhoarder.com/c/money-management/45.md) [Next page](https://community.thepennyhoarder.com/c/money-management/45.md?page=2)