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

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

Topics

How to save when grocery shopping

Brianna Herbert
It’s only my husband and I, but we spend hundreds of dollars each week on groceries. We are both on specific meal plans and prefer to eat clean/organic when possible. After clipping coupons, scouring sales ads and only buying items when there’s a deal we STILL end up spending so much just to feed us for about a week. We just bought a house and have been through multiple unsuccessful fertility treatments so our budget is TIGHT. How can we save more without starving?Read More...
I'm with you! It's just me and my cat and I don't eat out too often so pretty much know how much I spend. I use the zero balance bi-weekly pay budgeting. What works best for me is to actually buy less. I used to stock up but now I budget for each two weeks and use my budgeted amount. It helps with meal planning and not going over. Last night I was (silly) excited when I planned to spend $100 on groceries (only) at Target and my total after my Target card and Target app discounts were...Read More...
Hi, all. I also try to eat clean and organic. It’s just my chihuahua and me in the house, and surprisingly it can get expensive. I keep a running grocery list, see how much money I have leftover after bills and look for coupons/deals. I have tried shopping at Lidl, Aldi, Fresh Market and Trader Joe’s but everything I need is at Whole Foods if I want to save time and make one trip. I buy frozen organic fruits and veggies so they last longer. Or I’ll freeze meat and seafood as well. It...Read More...
Last Reply By Jeanne Featherston · First Unread Post
I wrote a breif of my mystery shopping experience a few weeks ago and go such an overwhelming response that I thought I would write another to elaborate a little more and just in case anyone missed the first one. I began mystery shopping back in 2013. I was skeptical and unsure if it was a scam. I started with MarketForce. They offered shops at a local hamburger restaurant and reimbursed up to $13 for food in return for a short and simple survey. I though, what do I have to lose. I am eating...Read More...
@Valerie Magorrian , Thank you so much for sharing this and your experience! I'm going to check this out. A side thought, do any of the mystery shopper programs have apps?Read More...
I have started doing mystery shopping recently and am really enjoying it. Thanks for sharing your experience.Read More...
Last Reply By Prince_Alarming · First Unread Post

Travel Tips, anyone have any to share?

Valerie Magorrian
Hello, I LOVE the fact that you can do quizzes on AARP.com under their rewards for good and earn rewards while also learning some pretty valuable tips. There is no cost and no age limit in oder to sign up and you trade points for discounted gifts cards, etc. For example, you can purchase a Carnival Cruise Line $100 gift card for $90. By the time you buy enough to pay for a cruise, you have really added up some savings. My question is, does anyone know of any sites that do something similar...Read More...
I’ve also used Rewards for Good in purchasing Carnival Gift cards. Saved a few hundred dollars off our last cruise as well as gratuity and WiFi. They are changing the program and it will be called AARP Rewards starting in September. Current points can be used up till September. I’ll definitely continue to use this resource for future cruises.Read More...
Volunteer to be bumped if you're flying. I did this in college and frequently got nice compensation, including a flight out of Indianapolis on Race Weekend in first class (that's like winning the lottery; flying out of Indy in May is insanely crowded, especially after the race).Read More...
Last Reply By TinaS · First Unread Post

Acorns

Patti Weaver
I’ve been investing with Acorns for over a year now. It’s easy fun and takes the stress out of saving money as it’s done for you. Start saving for that rainy day.Read More...
I am trying a new startup idea here in Australia. It gives you shares (2% of spend) for every receipt uploaded from the big grocery stores. It's better than giving your change or paying fees, as there are no fees. I wonder if you know of any other grocery return programs? Here there are also Motoring Association reward discounts and Holiday Club discounts on big box stores too.Read More...
@Moore Income , you said that Acorns is one of the least favorite you use -- what are your favorites?Read More...
Last Reply By Jennifer Lancaster · First Unread Post

Extra Job

ShellyW
Okay, I am wanting to get serious about saving an emergency fund, and I am about to start a part time job. I have three total income sources now. My main job, child support, and now what I will bring home from the new part time gig. My biggest issue is which one do I actually start my savings habit with? I just want to start somewhere, and be committed to a goal maybe start with $250, and hopefully work my way up to $1,000. If anyone has any ideas, or suggestions. I would appreciate it.Read More...
@ShellyW Sorry to hear about your situation. I don't know how I would react if I were in your shoes. Sounds like you are definitely putting in a lot of effort to make things work. I wish you the best and I know with your drive, you will get through it and come out stronger. Don't hesitate to reach out for any advice and keep us posted.Read More...
Sorry to hear that @ShellyW ! It sounds like you're doing what you need to do in the meantime - I know you'll be back on your feet soon! If you need any other suggestions, we have an amazing community who will be happy to lend some advice or just be here for moral support.Read More...
Last Reply By Moore Income · First Unread Post

Saving Money on a very fixed income

Linda Woodcock
Hi Everyone: I just joined this community. I am in need of putting some money away for mostly medical copays and other expenses. I am on disability and work a part time job that I enjoy but the pay is not enough to meet my monthly bills or copays. I am 63 and full of life and I also would like to enjoy my life by going on a small mini vacation sometime, but I am not able to. What are some tips that you can share with me on how to save... I already am in my pt jobs 401K however my income is...Read More...
Hi Linda- Are you receiving all the services you are able to based on your disability? I would take a good look at that first- sign up or get on wait lists for housing assistance, fuel/heat assistance if you live somewhere you need that, medical assistance, food, etc etc. Review your budget and see where your money is going and what can be cut out and what should be prioritized. Also consider opening a no-fee savings and put $5 in it with every paycheck. When you do this for awhile, you can...Read More...
There are many online hustles that can generate a little money if you do the follow thru. google mystery shopping, paid surveys or follow the class action lawsuits. I just got a $95 check from Hearst magazines because they kept rebilling me without notice! who knew?Read More...
Last Reply By KellyFromKeene · First Unread Post

The Power of Saving Money || Where to save

Antonio Bonton
Hello Penny Hoarders, I've been reading on the different types of savings account available and wanted to take a moment to say what I personally think is the best option because there is so much information out there! I believe that the best vehicle for saving money is an Online (high yield) Savings Account. These accounts offer anything at/above 2%. Personally, I use Marcus by Goldman Sachs which offers 2.15% but Wealth front also has a very good savings account which offers 2.5% The best...Read More...
I agree, 2% is honestly barely (at best) pacing inflation! But I think it is okay when you are using it for an emergency fund or a purchase within the next year or 2 because you could risk losing it in the stock market (short term) or getting basically nothing in a checking account. I use saving to have a nest egg for emergencies and short term purchases (house and car down payment) the rest of my savings money goes into the stock market where I can get a return closer to 10%!Read More...
It is good to see banks finally starting to raise the interest rates, but even 2% is okay at best. At the rate of inflation, most of that interest is lost by the next year due to inflation. That being said, for saving money short term, it is still better to get 2% for it rather than getting a fraction of that which most bank accounts offer. Some other banks that pay higher than most are Aspiration and Haven Money. For long term savings, I prefer to put it into a Real Estate Trust (I use Rich...Read More...
Last Reply By Antonio Bonton · First Unread Post

Best ways to save money in shopping

Elice Max
Hi, My name is Elice Max actually I want to know some great ways to save money while shopping. Please, anyone, share me your experiences!Read More...
Definitely a fan of RetailMeNot and Groupon. Some other sites I recommend for online shopping are BeFrugal, Ebates, WikiBuy and Honey. One specific way you can save money when shopping for such items is to buy discounted gift cards to the stores you are planning on buying from. It's not a lot but you can sometimes find gift cards that cost anywhere from $2 to $10 less than their actual value. I frequently use this method to save money when eating out and would use it for any stores I planned...Read More...
Shopping for clothes, makeup, and other apparel...Read More...
Last Reply By Moore Income · First Unread Post

Free Food Giveaways - Do you participate

Shannon H
I was recently working out of town near a DHHR office and upon leaving we saw bins of free veggies in front of DHHR. My co-worker and I assumed they were for those receiving government benefits and not the general public at large. Would you or do you take advantage of free food giveaways where you live?Read More...
Free food can be really tempting. I would prefer to donate though, honestly. Even if I'm struggling a little with money, I know I have it better than a lot of people. My spouse has a huge heart and will always donate to anyone in need. I guess it's rubbed off on me.Read More...
I like free food... but in most cases the food being offered for free does not fit in my personal healthy diet that I am trying to follow so I would probably not get free food.Read More...
Last Reply By MountainFan · First Unread Post
Summer is in full swing! For those of us up North, it is definitely the most beautiful time of the year as we forget those frigid memories of negative 30 degree weather with windchill. That being said, living in an apartment, the heat is paid but the AC is electric. It is currently 78 degrees here in Fargo, and rather than running the AC, I have opened the windows. While it still feels a bit warm, it is not bad and I am happy to do it to save some money on electric. Just curious to know: How...Read More...
Here in our area the bill isn't much higher if any at all. Usually the few months of winter are the highest months. In summer we usually set our thermostat at 75-77, and in the winter it sets at 68 permanent. It's brought our bill down significantly. Usually one can request an "air loss" or "air constraint" testing from the local power station. Sometimes they will have specials on upgrades and you'll receive credits for helping conserve power by getting these upgrades.Read More...
Here in West TX, AC is a requirement. I'm from the AZ deserts so I've lived with AC forever. My bill doubles in the summer. That's the way it goes.Read More...
Last Reply By AverageJoe · First Unread Post

do it yourself

barbara mariottini
yesterday day i made an organizer to help me keep track of every thing so idont go to store to spendRead More...
Definitely a step in the right direction. Keeping track of things is a must if you want to know the true state of your financial health.Read More...
I am always looking at ways to budget and organize. What is yours like?Read More...
Last Reply By Moore Income · First Unread Post

Do You Ever Pick up A Stray Penny?

Penny2
Lately my husband and I have been finding so much stray change on the ground we decided to place into a separate bowl to see out of curiosity what it would come to at the end of the year. Near the end of 2018 we were out walking our dogs before a big snowstorm and my dog was over by a tree so I walked over there and what looked like a green leaf was actually a $10. Very cool. We started a separate bowl now in 2019. So do you keep that change or throw it and make a wish?😊Read More...
I have a knack for seeing change everywhere . My spouse jokes that it's a superpower (or to reference Seinfeld, "You’re eating onions, you’re spotting dimes, I don’t know what the heck's going on!") Also stopped at a stop sign one day to see a $5 bill by the curb-- I absolutely jumped out to get it. Usually find coins in parking lots though. We've also found a nickle from the 1920s which might increase in value some day. Combined with the change from cash spending, we've got around $25...Read More...
Oh yes, I picked up one just yesterday (heads up).Read More...
Last Reply By MountainFan · First Unread Post

Do drive-in movie theaters save you money?

Briana
I used to love going to the drive-in theater - not only for the cool atmosphere but also for the price tag! I'd always get tickets for so much cheaper. Does anyone still have a drive-in near them? Is it still cheaper than regular movie theater tickets for you?Read More...
Whoa! $10 a carload is a great deal!Read More...
We have one in Wichita, KS. The tickets on regular nights are $7 a person. They offer 2 screens and 3 movies each. You can definitely get your money's worth if you can stay awake for all of them. The have special nights every now and then. You pay $10 a carload. As a kid with 8 in the family, this was the only way we saw movies. My husband and I went to them a the time when we were dating.Read More...
Last Reply By Briana · First Unread Post

What to buy (and not buy) from Fourth of July Sales 2019

It is the Red, White, and blue season. From a girl’s nail paint to the sales rack, you will see star-spangled things everywhere. Fourth of July comes to boost the patriotic spirits in every American. From fireworks, parades, festivities to a BBQ bash at the backyard, desserts, and mocktails, you will see the colors of freedom all around. To sparkle the patriotic holiday celebrations, retailers offer colossal deals. But do not get crazy over the exciting deals and make an impulsive buying...Read More...
@Briana Thank you! That is good news.Read More...
Yes, they do, and they're always coming out with newer versions too. I can see clearly on mine @MsKimberlyRead More...
Last Reply By MsKimberly · First Unread Post

Airfare

Kelli Tate-Larson
where can I find the cheapest airline tickets?Read More...
@Kelli Tate-Larson There is no cut and dry answer to where to find the cheapest airline tickets, it really comes down to where you are going and where you are flying from. In some cases you can get really cheap tickets on budget airlines but you can only fly to and from certain cities. As @KellyFromKeene mentioned, it is important that you search for airline tickets from a "Private" window in your browser. If you do not, airline websites can track your history and if they find you are...Read More...
I don't fly much anymore, but I think @Moore Income had some comments about that a little while back? I remember reading something about clearing your browser while searching for cheaper tickets....Read More...
Last Reply By Moore Income · First Unread Post

SAVING MONEY ON A FIXED INCOME

Debbie Carr Oliver
I live on a fixed income and was wondering if anyone has any tips on how to save and where to save with limited funds.Read More...
I am retired and recently was scammed out of a lot of money. I have a Costco Credit Card which pays me cash at the end of the year. I charge my daily expenses, however, I never charge more than I can pay off each month. Unfortunately I was scammed/frauded out of a lot of money. I am fortunate as I have investments which I am now having to use to pay off my debts. The taxes that I will pay is a lot less than paying the interest on my CC. I am looking into changing my insurance as well as...Read More...
If I have cash, I save the change in a jar and watch it add up. Also I have a weekly budget for groceries at 100.00. If I spend, say 80.00 that week, 20.00 goes to my savings acct since it was in the budget anyway. Little tricks like that ensure that I always have savings even during tight months. I also use Ebates. Love them. And I use digital coupons at Kroger for food and fuel. It all adds up.Read More...
Last Reply By Susan3 · First Unread Post

Always buy used when possible

Ken Lyons
I've learned (through hard lessons) to always negotiate on prices of things and always buy used when possible. For example, if my family needs a new sofa, we have visited a local furniture store and written down the brand and style of what we like. Then, we search through Craigslist or Marketplace on FB for that item. Almost always, I've found what we wanted used, often fairly new and in great condition. It has saved me hundreds if not thousands of dollars on everything from furniture to...Read More...
Wah! We don't have NextDoor in our area, but there MUST be something, so I'll keep looking. Thanks for getting me on the right track!Read More...
Thanks for the tips. Heading NextDoor right now! I'd never heard of it.Read More...
Last Reply By dboothe · First Unread Post

Over Couponing

A few months ago i got into using the Dollar General and Family Dollar apps for their digital coupons. The main items that i seek are household items such as laundry detergent and fabric softener. I would only buy the items if they were less than $3 after using the coupons. I thought this was a good idea to load up while i can get them for cheaper than their regular non-sale price. Is it a good idea to load up certain household items for a cheap price even though you may not necessarily need...Read More...
I love couponing at Family Dollar and CVS. I love digital coupons. CVS has started sending 30 percent coupons to me by mail. I stack those with digital and paper coupons along CVS store coupons. I coupon for my daughter as well. I have a stockpile and give items as gifts. I made a gift basket for a housewarming party, and giving away another for a friend's birthday.Read More...
NICOLE Yes Dollar General does have digital coupons but you can only use it once. Which means if you needed more than one you can't get it. Even if you went to a different store you still couldn't get it. I'm just saying.Read More...
Last Reply By Veronica · First Unread Post

Track extras!

Tracey Lalena Tabers
I had no idea how much money I was wasting until I dove deep into my monthly bank statements. App purchases and even small monthly services were adding up. Keep a running list next to your computer and write down the continual monthly and once a year expenses. Signed up for a free trial? They will charge you without asking after the trial is up. Keep track, people!Read More...
No more free trials for us. I cancelled Amazon Music @$7.99 monthly, and Amazon Fresh @$4.99 monthly. I still have 0.99 Hulu till December, Netflix, Amazon Prime, and Kindle Unlimited (paid until 8/2022). My husband still has LA Fitness @$29.99 monthly. We will cancel Netflix in October for Disney @$6.99. I never even used Amazon Fresh and paid the subscription for at least 6 months.Read More...
The free trials have caught me a couple of times, too. I like your list idea, @Tracey Lalena Tabers for keeping track of how quickly they add up. Here's something I've found works for me: Before I sign up for a free trial, I figure out what the end date is going to be (since the subscription services rarely tell you that info). I set an alert in my Google calendar for three days before the trial period ends to give myself the cushion of a couple extra days to log in and unsubscribe (finding...Read More...
Last Reply By Veronica · First Unread Post

Emergency fund, travel fun, etc.

Joanne Reinbold
I put all my 5 dollar bills I get from change in a ziplock bag for my travel/emergency fun. After 3 years I have $1500 plus.Read More...
I always follow a 50-20-30 plan myself. Every time I get a paycheck, I put 50% towards bills and essentials, 20% in savings/emergency funds, and 30% in fun money. It really helps when you have irregular income because you don't over spend during the good months and barely get by during the bad ones.Read More...
JOANNE REINBOLD yes it does add upRead More...
Last Reply By Miranda Mattson · First Unread Post

Savings tips I implemented while traveling

Briana
As most of you know, I just returned from my first overseas trip after being away for two weeks - which means I had to budget for TWO WEEKS of travel. WOW. How was I going to make sure I didn't run out of money on my trip but also have enough money when I returned to pay my rent? I knew I still wanted to do things, but I also wanted to make sure I saved money in the process. Here are a few ways I saved money: * Look for FREE guided tours This was the coolest thing I experienced in London. I...Read More...
That's so cool @Nicole ! It was fun to ask locals about places to go - they know how to avoid the tourist traps too. These are great tips @Olivia ! I used a money belt the entire time and we actually booked flights pretty far in advance to avoid higher prices. All in all, I learned that it's completely possible to have a fun, affordable overseas trip!Read More...
When the kids were younger and still at home, we had opportunity to visit Italy as a family. Someone suggested looking up Rick Steves and his online materials. (Europe Through the Back Door). The ideas were real money savers. Picnicking, less expensive alternative accommodations, (we stayed at a Catholic charismatic guest house in Rome), doing free and cheap stuff, using public transport, sink washable and quick dry clothes. Another moneysaver was snagging a cheap flight and leaving from an...Read More...
Last Reply By Briana · First Unread Post
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