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Suggestions for Automated Savings?

MountainFan
I've read through this article a bunch of times now, and I still just don't know. I've tried Acorns and honestly never saw much benefit with the small bits of savings I was able to put in the account. I like the idea of Digit but I'm worried a little about how it works. (Like does it offer protection to not overdraw?) Investing seems a little outside of my scope for now. I love the idea of setting goals for the savings, like for an emergency fund or vacation. I recently opened an Ally...Read More...
This is what my husband and I do. We set up a separate savings account with a good APY. It is not linked to any of our main accounts, and takes a special trip to the bank to get money from it. We have part of every paycheck direct deposited to this savings. I get more regular raises than my husband does, so I will up mine a bit everytime I get a raise. As you said out of sight, out of mind. Since it takes more effort to get money from it, we aren't tempted to use it for meaningless things.Read More...
I have a savings account in another bank without easy access to transfers. It's what works for me too.Read More...
Last Reply By Echo · First Unread Post

Topics

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...
I agree there is a need for more options.Read More...
It seems like Nashville is going to eliminate the scooters. Mayor Briley was just defeated for another term as Mayor in last nights election, and I believe his replacement is going to be in favor of eliminating the as well. They have become a nuisance in Nashville as they are left where they're not supposed to be in the first place, don't adhere to the rules of the road, and are used to commit crimes with less suspicion. They're responsible for many auto accidents and hitting pedestrians as...Read More...
Last Reply By MsKimberly · First Unread Post
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Saving money on pet meds

Patricia Gauss
This is my first post, and let me begin by saying that this is not self-promotion, and I have no personal interest in promoting this company/web site, but I saw the article this morning on saving money on pet expenses, and thought I would share this info. I have saved a ton of money on my dogs' (6 of them - all but one are rescues) flea and heartworm meds during the past 10 years or so by buying from a web site called bestvaluepetsupplies.biz . They are located in Australia, and you do NOT...Read More...
That's awesome! Good to have a "Plan B. " I will check it out! Thanks!Read More...
I also wanted to share MY favorite discount pet med/supply site, also in Australia, PetShed.com. I have been using them for about 20 years and just like the above site, you do not need a prescription for things like flea meds. I have used Revolution for Cats since it came on market after I noticed that Frontline does not work anymore, and PetShed has the best prices and fantastic customer service. The meds are the exact ones we use here (made in USA) but use the metric system (same amount of...Read More...
Last Reply By Patricia Gauss · 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...
@Moore Income Which apps do you like better than Acorns?Read More...
Sounds good we have an app here called Shopkick they give points for stores and scanning items in those stores I’ve done well with this one here in USRead More...
Last Reply By Theodora · First Unread Post

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...
Hi--I'm not sure what this question is asking, but I'll try to answer. We sure aren't experts at using less, but we do recycle a lot and try not to buy things we won't actually use. I try to buy quality items that will work well for us, whether long-term things like clothing or short-term items like detergent, etc. We don't use paper plates or utensils, etc., except for very rare events, although we do still use paper napkins (I go back and forth on that one). I've switched to more natural...Read More...
Saving money & saving environment can have different viewpoints. I use green bags to carry groceries, but don't get upset when I need plastic. I use those to line trash cans instead of buying trash bags. Also use those when my granddog visits for picking up the yard. I try to recycle all that I can - have been doing that since the late 60's from my parents influence. We had metal lunchboxes with tupperware containers for sandwiches, etc. and I still use that concept. Silverware and china...Read More...
Last Reply By Caroline · First Unread Post

Strange credit card tip

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...
Tha is really funny and I am guessing it would make you think more than once about taking it out to use.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 kittykat1960 · First Unread Post
As stated in my last post, mystery shopping is a great way to see concerts, NFL, NBA, MLH, MLS and more for free. If you go back and see my last two posts, they give you all of the insight on signing up and becoming a shopper and how to shop everything from fast food to luxury resorts. I just ran across new information to add which is a GOLD MINE for Las Vegas locals or those who travel there regularly. Service Scouts is rolling out a HUGE collections of shops which contain just about every...Read More...
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

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 Here: Is Your Electric Bill Affected by Running the AC?

Moore Income
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
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