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This week in... The Penny Hoarder Community

Ashlee
Hi Penny Hoarders! This week we want to give our Veterans a special shoutout. We’ve been celebrating you all week long and are so thankful for your service. Here’s your weekly round up of announcements... In the market for a home? Here’s how to qualify for a conventional loan, which could save you thousands. Check out this quick video our team put together explaining everything you need to know. You can also read the entire article here . Have you found a cool way to make money outside of...Read More...
Hello penny hoarders I’m trying to build my credit up and people telling me to get a credit card and make my payment on time but I never had a credit card before and my credit will not let me get one anyway could someone tell me another wayRead More...
Too bad I missed the early bird pricing on the event. Who knew you guys would be hosting an event on my birthday when I will be in the area as my wife and I finish up the driving part of our 50 State tour! I will be in Orlando which isn't too far of a drive from the event so I am going to try to see if I can make it work for sure. I don't drink but it will be great to meet some fellow Penny Hoarders and learn from some successful side hustlers!Read More...
Last Reply By Lola Jones · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday! Whew! Where has this week gone? Here’s your weekly round up of announcements to get you through today and into the weekend... We’ve crowned our November Member of the Month. Join me in congratulating Lisa Acu ñ a (@lismox) for being selected this month’s winner! We all appreciate your help around here, Lisa. Each month we look to crown a new winner. We’re looking for someone who is super helpful and active in the community. Each winner receives a $25 gift...Read More...
Not a problem, @Lesley Michele .Read More...
Thanks Average Joe😁😁😁😁Read More...
Last Reply By AverageJoe · First Unread Post

How to Organize Your Financial Life With a Budget Binder

Ashlee
Having troubling keeping up with everything in your financial life? A budget binder can help. Here's how to make one! Have you tried this approach to budgeting? I would love to hear more about your budget binders.Read More...
@MountainFan , I'm a big fan of TBM. So glad I found her method!Read More...
After reading some of The Budget Mom's posts, I was looking into making something like this for my home. I was so happy to see this article from The Penny Hoarder shortly after, it was uncanny! I like to combine this idea with bullet journaling a little, making my own mash-up version. I love it.Read More...
Last Reply By KellyFromKeene · First Unread Post

Happy November!

Ashlee
We’ve made it to the end of the week and the start of a new month Penny Hoarders! Who here can’t believe it’s already November? 😳 This week I want to know if you’re a planner or a procrastinator… Do you start planning and budgeting now for holiday purchases or wait until the last minute? What about your New Year’s resolutions? And now for this week’s announcements… We just hit a HUGE milestone Penny Hoarders… 10,000 community members! Join us in a celebratory happy dance, then go check out...Read More...
@Susan L. Miller We have used Freecycle off and on for years. We got the foot and headboards for our queen-sized bed through the program. We have seen many items we no longer use go to other homes that would use them and recommend it heartily! We have also used our "Marketplace" here in our area on Facebook to buy and sell things. There are so many ways to go and programs to use! Happy selling...and as one of our mentors says "Think..and grow RICH!"Read More...
I'm not sure how many were here when I joined the Penny Hoarder Community, but I do know that it seems as if we've grown by leaps and bounds. I've met some interesting people and like having information and ideas coming in! May we continue to grow in numbers as well as in wealth.Read More...
Last Reply By AverageJoe · First Unread Post

Hello, everyone! Nice to meet you!

Ashlee
Hey, everyone! I am Ashlee, your new Community Ambassador. I have worked at The Penny Hoarder since the beginning of the year. I am super excited about my new role in the community and spending more time getting to know all of you here! And, in case you were wondering, my top financial goal right now is saving for the long term. So now for my first official announcement... First, some big news! W e've put together a member survey that will help us better help YOU on your way to accomplishing...Read More...
Hey @BeckAtsila , welcome! Glad to see you here.Read More...
Hi @BeckAtsila , it's nice to meet you!Read More...
Last Reply By KellyFromKeene · First Unread Post

Topics

MERRY CHRISTMAS

HI EVERYONE, Hallmark will pay you a $1000.00 for watching movies you just have to go to Hallmark to apply...unfortunately it's not applicable where I live but for US citizens go for it!!Read More...
Too bad I don't have cable...Read More...
Hi Everyone Apparently you go to Hallmark and apply on their website for this opportunity. Thanks!! Happy Monday!Read More...
Last Reply By MsKimberly · First Unread Post

Amazon credit

Hi all! With the holidays just around the corner--was it lobotomize the turkey, leave out beer for the Great Pumpkin, and carve Santa--I get confused ;), I wanted to share some ways I managed to save money on Amazon. There's an app called S'more, and it gives you 10 cents minimum in credit a day just for having it on the phone. There are some other ways to earn money on S'more, but this one is pretty easy. If you can tolerate 10-minute surveys, QuickThoughts pays $1 in Amazon credit for each...Read More...
I have seen advertisements for this app and have used a similar app in the past. I personally prefer not to give up my lock screen as it gets a little cluttered for me but it is definitely a great way for someone to earn a little extra for the upcoming holiday season! I do however use quite a few other apps that allow me to earn money in exchange for gift cards. One even that just runs in the background and I collect points that every so many weeks I can trade for gift cards. The Penny...Read More...
That is awesome you were able to earn enough to help with the cost of holiday gifts @BeckAtsila ! I had never heard of this app before, it sounds really interesting if you don't mind giving up your lock screen.Read More...
Last Reply By Moore Income · First Unread Post

Have you found a "Money Buddy" yet?

Briana
The challenge: Find your Money Buddy We all know that reaching our goals is a lot easier, and much more enjoyable when we have someone to cheer us on and check in on us, right? In our latest post on The Penny Hoarder, we're talking about how finding a Money Buddy can set you up for success. What's a Money Buddy you ask? You can read more about it here . I'm curious -- have any of you found a Money Buddy in this community yet? Someone to check in with, share ideas with and someone who is...Read More...
I and my sibling recently opened a joint account. We are required to deposit $200 to help each other save. My brother is one millionaire the primary reason why we decided to open a bank account. This will help him save since among the three of us he is the one who loves spending all his money with branded stuff.Read More...
MOORE INCOME thanks i missed that postRead More...
Last Reply By margarette stine · First Unread Post
In a financial class I attended recently, the teacher said "The easiest way to become a millionaire is simply to NOT spend a million dollars" The truth is, most of us will make more than a million dollars in our lifetime, so if we would just not spend so much, we could be in a better financial position automatically. Now I understand that life has expenses, but if you really take the time to look closer at your spending, you will be sure to find areas in need of improvement. Not spending...Read More...
@Annette V. It is true, when your finances are varied it can make it difficult at times. The goal here I would say would be to look more closely at some of the unnecessary expenditures and try and eliminate those as much as possible. It is definitely easy to fail at this but the important thing is to put in the effort and when you do fail, just make sure to get back on track as quickly as possible.Read More...
@TheHannaLee and @Annette V. are you a part of our newsletter yet? If not, we actually just released a budgeting bootcamp that will teach you how to start a budget, different methods to try and more! We even created a special community group here where you can talk to others who are also going through the bootcamp. You can sign up for it here: https://www.thepennyhoarder.co...itybudgetingbootcampRead More...
Last Reply By Moore Income · First Unread Post

Ubering my way to a better kitchen

I joke I don't have food at my house, I have ingredients. I make a lot of things at home for a fraction of the cost of the store. This calls for a lot of kitchen equipment, most of which I got for free. There's an app called ShopYourWay.com, and it gives $1 cashback per Uber ride. Since I frequently work nights and mass transit where I live is unreliable, I often Uber it home. Over time this has added up, and I've gotten a lot of kitchen equipment for free or for the cost of shipping. You...Read More...
That is awesome! Ibotta also gives cash back for Uber and other online vendors. It does stack up after a while!Read More...
I have heard of Shop Your Way but I did not know they give you cashback for Uber rides. I don't use Uber but it is definitely a nice money saving hack that is good to know! Thanks for sharing!Read More...
Last Reply By Theodora · First Unread Post

Keep chickens and sell eggs for money

Rachel Jean
I keep chickens and sell their eggs. Now I have pets that I love who earn me 5 cents an egg which includes their food and hay.Read More...
I would love a few chickens but unfortunately my town doesn't allow them at this time.Read More...
One of my fond memories of childhood on my grandparents' farm is looking for eggs in the henhouse. I'm blessed to have a wonderful exotic vet in my city who treats pretty much everything but dogs and cats. I heard her comforting a family with a dying chicken one time--"I know how it is, you get them for the eggs, and the next thing you know they have a name and are part of the family." I've seen a lot of chickens and even a duck at her office. While I would consider it, I don't have chickens...Read More...
Last Reply By Nicole · First Unread Post

Cut Your Monthly Expenses

Kirsten Cherry
I have learned from experience that it is fairly easy to cut your monthly expenses. I’m not talking about cutting the amount you pay toward debt. This would be more like calling your internet company to negotiate a lower payment for a better service. A lot of times, companies sign you up for a low rate for 12 months, then bump it up after that contract is done. If you are on autopay, you may not notice the extra money leaving your account. Most times if you call a company directly, you can...Read More...
These are some great Penny Hoarder tips, thanks for sharing! I may have to use a few of theseRead More...
FREEBIEPHARM this is interesting to me. I did send you a message so when you get a chance you can read it.Read More...
Last Reply By Briana · First Unread Post

Playing Cashflow. Is it helpful for finances?

Moore Income
I realize this post doesn't fit exactly in this challenge category, but it does because of the fact that I want to challenge you, if you haven't played the game called Cashflow , I challenge you to do so! Cashflow is a game invented by Robert Kiyosaki (who wrote Rich Dad, Poor Dad) and is designed to help you better understand the world of money and how the Rich and poor handle their money. My wife and I played the game tonight with a group of friends and I have to say, playing the game...Read More...
@MsKimberly @Bonnie Squires the game is both education, fun and slightly addicting my wife and I played again with her sister and my brother this afternoon!Read More...
@Moore Income it does sound interesting and fun. DEON CHRISTIE I though the same thing as you did. MSKIMBERLY i agree with youRead More...
Last Reply By Moore Income · First Unread Post
Today's step to a better financial future was inspired by a discussion here on the forum about the KonMari method . It reminded me of a need to look at the stuff I own and see what stuff I really can live without. It doesn't take me much time to realize that I have quite a bit of STUFF that I don't need, don't use or don't really want. Some of it I have because I bought it with the intent to resell and just haven't, while other stuff is simply things that I have accumulated over time. The...Read More...
Couldn't agree more @Moore Income . Not only does all the " stuff and gadgets " place strain on your finances. But also on the environment. Because eventually all that plastic and junk sadly en up mostly in our oceans. We do sometimes accumulate stuff to fill spaces. I pretty much keep my stuff to a minimum. So nothing to clear out at this time I'm afraid.Read More...
I’m a single senior with a teenage son and 2 small pups. We’re relocating from a 4 bedroom to a new construction 2 bedroom rental house that is 2 months behind on completion date. It’s given me time to purge every drawer, every cabinet, every closet. Sold, donated, gave, threw away stuff. I know general consensus is don’t do garage sales, but I’ve done 2 in last 4 months—got rid of lots and pocketed over $2000. I’ve been packing boxes since Nov to go with me to new location—now I almost want...Read More...
Last Reply By Deon Christie · First Unread Post
Today is the last day of the month of February! That being said, it is also the last day of this challenge. As I pondered what should be the focus of today's post, I thought there could be no better way to end the month than to challenge each and every one of you to NEVER GIVE UP! Life is full of challenges, especially when it comes to our finances but we cannot allow that fact to keep us from achieving our goals and dreams. There will be plenty of reasons for you to quit and throw in the...Read More...
@Moore Income great post some thing time and time i've done is never giving up.Read More...
Last Reply By Bonnie Squires · First Unread Post
Do you have dreams and goals for your life? I hope you do! Having dreams and goals to work towards help us stay focused on what is truly important in life. It is very important to have dreams and aspirations when it comes to our financial situation. Money should not be the most important thing in our lives but if you don't take a focused approach to how you handle your money, things can get out of hand really quickly! When it comes to creating a better financial future, having big dreams...Read More...
@Moore Income thank you very much. I'm going to be consistent because I want better for my life and my family. To I want to be out of debt and own my own businessRead More...
@Bonnie Squires thanks for sharing your dream. If you keep consistent, in a 10 year period I have no doubt you will have no trouble building a business that will be able to provide for you and your family. I wish you the best on your endeavors!Read More...
Last Reply By Bonnie Squires · First Unread Post
Hard work never hurt anyone! That's what my mom used to tell me. Now one could argue that there are instances in which someone could be injured when working hard. But the point is, we need to have a healthy relationship with hard work. We live in a day and age in which hard work is frowned upon by many. Many people are trying to simplify their lives with gadgets and gizmos and things just keep getting easier and easier. For some, it has created an unhealthy laziness and absolute hatred for...Read More...
When it comes to life, the skills you have can have a profound affect on your finances. Because of this, it is very important that you continually be learning and developing new skill-sets. The person who believes they have arrived and doesn't have anything left to learn will end up hurting themselves in the end. Growing is a part of life and an important part when it relates to your financial fitness. Learning and developing new skills is a part of professional development and the person...Read More...
@Moore Income yes i all ready have a domain name. I've had my blog for a year now but with every thing that was going on i couldn't really focus on it. so this month i'm going to renew for another year and start working on the site.Read More...
@Bonnie Squires for what you are doing, Godaddy is a great place to start. Do you already own the domain name? I know Godaddy always has quite a few coupons for people who haven't bought much from them before. They usually have a hosting coupon which allows you to purchase a year of hosting along with a free domain for about the normal cost of a domain name. I recommend just doing a quick Google search for Godaddy coupon codes, you would be surprised what you find. I personally am not a huge...Read More...
Last Reply By Bonnie Squires · First Unread Post
If you are serious about financial fitness and getting your finances in order, finding a way to earn extra income on the side is a great way to achieve your goals faster. A few years back, if you wanted to earn a decent side income, you had to find a second job. Nowadays, there are many great ways to earn an income on the side without having to get a typical job. The internet, along with other things such as Uber have created a world in which the sky is the limit to how you can earn extra...Read More...
@Sharonmccabe if you are referring to work from home jobs, I don't have much experience with actual jobs that you do from home. If you are looking for a job from home, you can check out this page on The Penny Hoarder which has a list of jobs. As far as work from home jobs that I have come across, I know that Amazon generally hires quite a few work from home customer sales reps. I think this is mostly over the holidays but something you could check into. I also applied once to be a customer...Read More...
What are some reliable home employment companies that don't charge you to work for themRead More...
Last Reply By Moore Income · First Unread Post
Mistakes happen! As much as you may try to avoid them, they are just a natural part of life. The number of times you make mistakes should become less over time, but to make a few mistakes only proves you are human. This is especially true when it comes to finances. Financial fitness is a learning experience and because you don't know everything right off the bat, you are bound to mess up every now and then. The key to creating a better financial future is found in what you do when these...Read More...
One of the keys to financial fitness is to learn the difference between assets and liabilities. As my mentor taught me: An Asset is something that puts money into your pocket every month. A Liability is something that takes money out of your pocket every month. The key to becoming wealthy is to own more assets than liabilities and to constantly seek to grow your assets and limit your liabilities. We live in a generation in which people place much more importance on liabilities (fancy cars,...Read More...
Your time is the most valuable thing you have. Once spend, you can never get it back. This is why, when it comes to financial fitness, learning to manage your time well can actually have a huge affect on your financial situation. We are getting closer and closer to the end of this 28 day challenge, but just because I am bringing this up closer to the end does not mean it is any less important that all the other things I have shared. As a matter of fact, learning to manage your time might be...Read More...
This is so true, time is the one thing you will never get back. I fully agree with your perception of " time is money ". Time is not money because what time really is, is opportunity. And how well you use that opportunity will take care of the money. Time management is crucial, but also need to be objective. And I have to agree that most people's time is spent at work and sleeping. But if you do not work on your own dreams after work, then you're not really tired. But rater uninspired I...Read More...
Last Reply By Deon Christie · First Unread Post
When it comes to financial fitness, it will do you a whole lot of good to learn this simple, two letter word: NO! As simple as it is to say this word, it is funny how difficult it becomes when our emotions are involved. The marketing of our day and age is geared towards tapping into our emotions and getting us to react to our emotions rather than reacting logically. Sales, offers and deals are all there to cause us to spend on things we don't necessarily need. Learning to say "no" both in...Read More...
And so right you are. Personally I do not buy anything I cannot afford or do not really need. What I will do however is to save until I have enough to buy a certain something cash, because I hate accounts and owing someone else. I remember saving for months to purchase training programs back in the day when I started my online career. Saving up to afford something had become a frequent habit, and it has saved me many tears of regret. I have actually said no to quite a few telesales offers on...Read More...
Last Reply By Deon Christie · First Unread Post
Day 2 is upon us for this February Financial Fitness challenge. If you want to follow along you can read more here or see Day 1 here . Today, I started reading The Financial Matrix and How to Escape It by Orrin Woodward. It is about breaking free from the financial traps that many people find themselves stuck in. Right before the first chapter there is a quote: This quote really rings true and sets a precedent for today's financial fitness principle. Investing in yourself especially when it...Read More...
@Kristy Hoy Thanks! Adding that to my reading list!Read More...
I love reading about finances and business philosophy. One of my favs for my business is Giving Candy to Strangers by Stan Holden. This book teaches you to be a better person in business and in personal life. The author truly gave a gift by writing this book. Enjoy.Read More...
Last Reply By Moore Income · First Unread Post
When it comes to the topic of finances, it can be a very depressing topic for some people. The thought of financial fitness can at times seem overwhelming and frustrating at time. I am a strong supporter of taking a balanced approach when it comes to creating a better financial future and that is why I believe that even when finances are tight, you should still make it a point to have some fun. Today my wife and I got to go to a work function where we were able to hang out with my coworkers...Read More...
As you learn things along your journey to a better financial future, you begin to develop habits, life lessons and a mindset that will lead you to success. But keeping it all to yourself and only worrying about your own personal well being is a sure way to have a very unhappy future. Even if you get to a point in your life where you have achieved financial freedom and are "living the dream", I am sure you have heard the saying "it's lonely at the top". This couldn't be more true when related...Read More...
Finding a mentor is one financial fitness step that will go a long way in helping you create a better financial future and stay on track with your finances. I will take a moment to stress finding a "successful" mentor. Talking to your friends and family who are in the same financial state as you, while nice, is not the same thing as having a mentor. If you want to be successful in managing your finances, you need to surround yourself with people who know how to do just that. Finding a mentor...Read More...
We are already over half way through the month and well on our way to creating a better financial future! If this is your first time seeing one of these challenge posts, feel free to check out the challenge tag where you will find all the previous and future days. Today's challenge is to take the time to track your money and your financial progress. While it is simple to do, it does take some effort on our part to do it effectively. Today was the first Saturday in a while that I was not...Read More...
Today's challenge has less to do with the actual finances and more to do with the mindset of being financially fit. Money can be a big deal, especially when there is little of it to go around. It can be a huge cause of problems especially when it comes to relationships. But the fact is, stressing out about money problems never solves the problem. There are times like today when I didn't have such a tight restraint on my money and made a few purchases (food) that I didn't necessarily need.Read More...
@Professor Kel , glad you found it helpful. Finances can be a stressful topic. The goal with finances should be to stress less about them by becoming financially free. But just because your finances are in good shape doesn't mean you won't still feel like stressing out. We have to start now teaching ourselves how to stress less about the financial woes and rather come up with solutions to address the issues we face.Read More...
I admit that I do stress out about my finances. As I was reading what was said there are things I can do to make my finances better. The mistakes I have made was spend money on things I really didn’t need. I also will be looking at things I have to let go of and sell.Read More...
Last Reply By Moore Income · First Unread Post
You've probably heard the saying: This is especially true when it comes to finances. It is one thing to desire to live a life of financial freedom, but it is a completely different thing to actually take the time to set achievable goals to reach that point. Throughout this challenge, and especially today, I have had to really spend some time revisiting my financial goals. Some goals are big goals, while others are simply small goals for where I would like to be in the near future. If you...Read More...
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