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If Money Was No Object, Where Would You Travel and Why?

Moore Income
I am a lover of travel and a huge advocate for people having dreams and seeking to fulfill their dreams. That being said, I am curious to know where my fellow Penny Hoarders would travel if money wasn't something you had to worry about. What would be your dream trip/vacation and why would you choose that specifically? Time to do a little dreaming!Read More...
@Kat Langworthy Definitely a unique and quite intriguing trip!Read More...
I have an obsession with porcelain masks, the more elaborate kind. My bucket list contains a trip to Venice, Italy to celebrate Carnival. To see all the costumes and masks worn, I would stay there the entire celebration and spend money on new masks.Read More...
Last Reply By Moore Income · First Unread Post
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Topics

Hello new members!

Briana
Hello and welcome to the new Penny Hoarder Community! My name is Briana, a Social Media & Community Strategist at The Penny Hoarder. I'm in the process of paying off credit card debt and establishing a healthy relationship with my finances. I'm also saving for a long-awaited trip to Greece next year!Read More...
Welcome aboard! I'm Becky from Indianapolis--my boss at my restaurant job is Filipino and I've fallen in love with your food. There's nothing quite like fresh lumpia with coconut vinegar (that's my go-to dish at the restaurant), and chicken adobo is good, too. We've got members from all around the world, so don't be shy!Read More...
Hello, Everyone. I'm Junryl from the Philippines. I am so happy to be part of this community where I can share the things that I am going through right now. I am an email/chat support specialist with Earnin App. I just want to save up, earn more and find my money's worth. I want to live a comfortable life someday. I always dreamt of sleeping in an airconditioned room when I'm still a kid and still having the same dream now that I am an adult. I always believe that poverty can never be a...Read More...
Last Reply By BeckAtsila · First Unread Post
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Gambling

Junryl Lampazo
I have been trying so hard to stop it. I think I am at the lowest part of my life now! How can I stop gambling? Is there anyone here going through the same problem? I need people to help me through...Read More...
I've been there. It can be very difficult to stop gambling because it offers the promise of something for nothing, the most addictive drug there is. There are some support groups like Gamblers Anonymous (I don't know of any in the Philippines, but a Google search might turn something up). I found it useful to play video games that have a lot of unlockable content, such as Disney Magic Kingdoms. Medication and therapy helped a lot, too. I will keep you in my thoughts.Read More...
Last Reply By BeckAtsila · First Unread Post

Retirement or debt?

Mexpensive
My husband is 64 and he works full time . He has never had an option to invest until now. His company offers a Simple IRA with them matching amounts. We have about 15000 of credit card debt. I am not working and I have started investing in Stash and Acorns. I have no retirement saved at all . Should we keep doing what we are doing? We pay more than the minimum of the credit cars but it seems like never ending debt. We own our home outright and are empty nesters. Anyone have any suggestions?Read More...
@Mexpensive , so glad to see a local person here! Feel free to PM me if you want more info or anything. PS, are you just loving this weather? I am, but glad it doesn't last too too long.Read More...
This comes with a caveat to do a lot of research and perhaps speak with a financial advisor but if you own your home outright you may be eligible for a reverse mortgage. I'm suggesting this without having done recent research myself. Reverse mortgages, when they first appeared on the market, had a lot of fine print issues that were not good for the homeonwer. That has changed, but there are a lot of things to consider before jumping into one. The positive, is that you can still live in your...Read More...
Last Reply By KellyFromKeene · First Unread Post

Hoarders Unite!

Sometimes other issues keep us from reaching our goals. I am a hoarder. Anyone else out there that feels overwhelmed by this?Read More...
@Moore Income I am right there with you. I want to be a minimalist, but in reality, I am not. Being a seller, it is impossible to be a minimalist. People have changed. Amazon Prime has helped people change. They want new things cheap. They want it delivered. Sometimes they forget that they pay for that service. Then there is the keeping up with the neighbors. Selling can be frustrating because people don't show up or they ask a million questions, and they are not really interested or they...Read More...
In my mind, I like to think of myself as a minimalist, but then I look and in reality I can't believe how much stuff I have. I am working on that though. But since I am a re-seller, I find it a struggle because part of how I make money is buying and reselling stuff. If you saw my pile of stuff to resell, you would definitely figure me for a hoarder. I am still trying to work on a good method of buying, listing and getting stuff sold right away. It's a work in progress to say the least...Read More...
Last Reply By MsKimberly · First Unread Post

How to Earn Extra Money

Teresa Ridgeway
Hi, Can anyone tell me how I can earn extra money working from home on the Internet? I see things on the Internet, but don't know how legitimate they are. Thanks.Read More...
There are many different ways to make money on the internet. It really comes down to what are you interested in doing and if there are any specifics as to what opportunities you are looking into. I am not someone to outright call something a scam without first doing more research but if I know what it is, there are some tell tale signs that will be very evident from the get go that help me identify whether something is in fact legit or a scam.Read More...
It can be surveys , or data entry jobs, or customer service. I do surveys but just get 20 cents , 50 cents etcRead More...
Last Reply By Moore Income · First Unread Post

Interested in sharing a community testimonial?

Briana
Hello Penny Hoarders! Would anyone be interested in sharing what they like about the community and/or what brought them here in a quick (1-2) minute video (on your cellphone or laptop)? We're putting together a video to showcase our Penny Hoarders and the amazing community we're building -- and we'd love to feature you! Comment below, if interested, and I'll happily share more details =)Read More...
It's a great community. Don't be shy fellow Penny Hoarders!Read More...
Last Reply By Moore Income · First Unread Post

What Would You Do If You Won The Lottery?

Moore Income
By no means am I an advocate of playing the lottery... but I am curious to hear others point of view on the topic. I personally do not think it is a wise financial decision but it can be interesting to think about what you might personally do if you were to win a boatload of cash. There have been quite a few examples of people who won multi-million dollar lotteries who ended up losing it all in a matter of years. With that in mind, I think it is safe to say that just because you have a lot...Read More...
Hi, my name is Elaine and I'm new to Penny Hoarder!! If I won the lottery, I would pay off all of our debt and give some to my children and other family to enjoy. I would take my mom to Ireland where our family is from. I would donate money to causes that I am passionate about. I currently am not employed and I think it is because of my credit rating so Experian and them can, well, you know. I would definitely invest it. And I would travel. Something I thought I would be afraid to do. But...Read More...
Travel all around the worldRead More...
Last Reply By laughing broke · First Unread Post
Gaylord National Resort "This luxury resort and conference center is unique in several ways—it features an indoor rainforest, boutiques, and a spa. But guests won’t be able to find the hotel’s Presidential or Concept suites online—unless of course you’re a VIP. “For travelers looking to stay in a room unlike any other in the world, we have developed eight suites that are themed by color,” said Rachel Dinbowkowitz, communications manager for the hotel. “In addition to the color, each room...Read More...
Wow, so cool. Hope that one day I'll also spend such an amazing timeRead More...
Last Reply By SamanthaJones · First Unread Post

Retirement presentation

Good morning all I am a public speaker and I recently (about a year ago) had this great idea. I would love to focus on "Retirement" presentations. Not the kind of presentation about your finances, social security/medicare or that sort of thing. There are more than enough financial advisers/books. My presentation would be about your goals, your manifesto, mission statement, starting a business traveling just to mention a few. I live a busy well educated city. I would love to explore...Read More...
#TATA I cannot wait to hear what you decide to do. Remember to entice the senses!Read More...
great suggestion, that is my thought a complimentary presentation. thanksRead More...
Last Reply By MsKimberly · First Unread Post

Side Income

Kennadee
I am looking for a way to start a freelance side business. My ideal situation would be freelance bookkeeping as I have some, but little experience with QuickBooks. Has anyone started their own freelance business? If so, what advice would you have for a young beginner? I know it will be difficult establishing customer relationships.. Thank you!Read More...
@Kennadee Check out this article: https://www.thepennyhoarder.co...r/?aff_sub2=homepageRead More...
Hey Kennadee, I would check out info on the Penny Hoarder about BBL, Bookkeeper Business Launch. You don't need any experience with bookkeeper or QBO or anything. They teach all of it. You need to be detail oriented, like numbers and be a hard worker but it's a great opportunity. I joined BBL in 2017 and the course is amazing, the Facebook group is the most supportive, helpful and encouraging I've seen on Facebook. I can't recommend it enough. I hope that helps! BryanRead More...
Last Reply By Theodora · First Unread Post

Applying more each month to payments

AverageJoe
When you receive your bills each month, ie, water, electric, satellite/cable or phone, do you put any extra money towards the bill each month in case something was to ever come up to stop you from being able to have enough for a payment? If so, what percentage of each bill do you put towards that bill? If you haven't done this in the past, would you do so in the future if you had the money? My wife and I have done so over the past fifteen years, and when she had her wreck in December of 2015...Read More...
It really works. I wasn't around the last four months to pay on the water bill. Was too busy going back and forth to GA because my sister was dying of breast cancer. I still have $15.00 credit, and I'll have more after this next payment is applied. I haven't paid a water bill since December, and they usually run $30-$45 per month. I kept paying on the electric, because I had 2 accounts, one for the electricity itself, and then one for the heating and air unit I got during a special through...Read More...
Brilliant!Read More...
Last Reply By AverageJoe · First Unread Post

Considering retirement and need advice on pension

Hello everyone, I am a just joined newbie - I need advice from self-employed folks on how they structured their pension. I have a family owned business that I started in 1972. The shareholders are myself and three children. Have one employee, a granddaughter, so as you can see it is a total family operation. I will be 75 in November and feel like I might want to start cutting back in the next couple of years. Thought it might be nice if I kept working full time until April '22 when I would...Read More...
I don't think you can lose either way. Maybe sit down, do a post-retirement budget including your Social Security, any other savings you may already have and your expenses you expect in retirement. Then working with those numbers, you can arrive at a figure that you're happy with and the company is able to handle. Best wishes to you.Read More...
Last Reply By LeighofMar · First Unread Post

New member

JoLynn Norfleet
Good morning everyone, I find myself on this website /app not knowing how to get it work for me. I'm usually pretty good at figuring out new applications, but I have to admit that l'm stumped. Can anyone help out with instructions on how to work the site so as to earn money? JoLynnRead More...
Good morning @JoLynn Norfleet ! Happy to have you in the community. This is a space where members come together to ask questions, share personal finance tips, experiences and more. It's not a site to earn money. We do, however, have a work from home jobs portal, as well as tons of make money content on The Penny Hoarder website. You can find that here: https://www.thepennyhoarder.com/wfh/ Let me know if you have any other questions. You can also ask your fellow Penny Hoarders questions in...Read More...
Last Reply By Briana · First Unread Post

How does a spouse establish a credit Rating

Scotirish
As a 74 yr. old with a pretty good credit rating, and in waning health; How does my wife establish her own credit rating. We have rented our entire 39 years of marriage and the only thing we have ever purchased was a used car 9 years ago. Would she have to purchase something in her name? Would it have to be something that would require credit approval?Read More...
I wanted to add that if your wife doesn’t have any credit, an alternative is to add her as another user to your credit card. This will help her start building her own credit. Once she built her own credit open a new card in her name only. Keep in mind that the joined account will affect both of your credit, so make sure you pay off the balance every month.Read More...
Thank you sir, excellent advice. I'll look into that route.Read More...
Last Reply By Missy_P · First Unread Post

Equifax, Transunion and Experian.

Wilma Ingram
Why does the three anive companies say" If you apply for the sugested credit cards," checking/applying "won't hurt your credit score" ? Boloney ! I did as they suggested. My credit score dropped ! Also I've had wrong thing's listed on my 3 credit scores, I keep telling them, they don't listen.Read More...
@Wilma Ingram I don't know anything about that. Thanks for bringing it up. I will be keeping that in mind.Read More...
Last Reply By MsKimberly · First Unread Post

Need a new cell phone

Kathryn Stempel
My cell phone is malfunctioning -battery not holding a charge back cover is coming off. I've looked into buying a new one but they are crazy expensive- $300+ for the cheapest one from At&t. I don't want to pay $20+ for 30 months. Any tips where to find an affordable phone?Read More...
Try H20, $27 a month, runs on ATTRead More...
I recently purchased a new Samsung Galaxay A30 from Walmart for my mom for less than $250 delivered to her. Phone new and unlocked so able to use with any carrier. She likes it and is still learning to use it.Read More...
Last Reply By Rainbowgc46 · First Unread Post

Zero Based Budgeting

Scotirish
Let me get my morning dissertation out of the way because I have big plans for today. I do have to remember its National Fried Chicken Day and I have to fit that in later as well but I better not wait to long. Zero Based Budgeting: The term seemed frightening at best especially since In the letter I had sent out that I only had the 'Rudimentary skills of a bookkeeper' And even that course I learned in prison some 13 years ago. I also mentioned in the letter that I ha d just gotten out of...Read More...
I Luved ur post! Good Job!Read More...
Last Reply By Mazydazy11 · First Unread Post

Secret Money Saving Hacks

Looking to start a thread of money saving hacks. For example, Verizon offers military discount and $5 off if you go paperless. If you order a new card from Bank Of America; go online and say it was stolen (save the $5 charge), negotiate with Sirius and Dish. Never buy water from WaWA (get the free large cup!). What's your money saving hacks?Read More...
I’ve saved with Honey on almost everything! It seems to find the most incredible savings for me that it just makes me giggle when I see my bottom line...I love it!Read More...
I’ve been using the Ibotta app for 4 years and have earned almost $500 on items I normally buy. All you do is add offers to your account - once you’ve bought the items, you take a photo of your receipt and then scan the UPC code on the product. You can also make extra bonus $ by joining a team and working together towards bonuses. Payment is made via PayPal. It’s so easy and the money adds us fast!Read More...
Last Reply By Christie · First Unread Post

Who else is on The Penny Hoarder while at work?

Deon Christie
The Penny Hoarder had rather quickly become my favorite platform. As I find myself spending more time here with the Penny Hoarder community than any of my other social profiles. So much so, I often pop in just for a quick check while at work. I am however fortunate enough to not have a boos looking over my shoulder, because I work in our family business as an Electrical Projects Manager. But I'm sure different companies have different rules when it comes to internet access and social...Read More...
Earlier this year, ABSOLUTELY as I enjoy reading all of the tips, ideas and sharing with you all. However, the last couple of months I have been so busy with work that when I get home in the evenings the last thing I want to do is look at the computer. Slow down is coming soon for me at work as I need home/work balance again...Read More...
DEON CHRISTIE I sure will let you know if i need help with my blog. I don't do well in winter because of the athirst that i've. Now i understand when my mom would say her bones ache her. This winter we got down to -1 here yuck don't like it.Read More...
Last Reply By Shannon H · First Unread Post

Credit Report

So there is something on my credit report that should actually be on someone else's report because they were the perpetrator but it was in my name. How can I fix this?Read More...
Glad I could be of help @DebbieH5 , let me know if you have any other questions.Read More...
Oh, thank you so much for your prompt response.This helped me immensely. I took the leap of faith and now own shares also. So, again thank you for getting back to me.I really appreciate it. Have a great weekend and I will see you online.Read More...
Last Reply By Moore Income · First Unread Post

In between jobs, but my parents have financial control

Maya
Hi everyone, I'm in a little bit of a sticky situation. I'm in between full-time jobs, and only working 1-2 days on the weekend for about 4 hours a shift at about $12/hr. I live on my own with my cat, so I don't have many expenses, but they do exist, and my part-time job doesn't cover squat. The good news is: I have a lot of financial support from my parents. The bad news is: I have a lot of financial support from my parents. While I know that I'm extremely lucky and I appreciate my parents'...Read More...
Have you thought about an online work from home Job, I know a few that can help.Read More...
Have you looked into mystery shopping? It really doesn’t pay much, usually a couple bucks above the required purchase, but you can get paid to eat fast food or donuts, or go to the movies. Some companies post full day audit jobs too. I know when I was strapped for cash having a couple bucks to go to Taco Bell instead of eating out if the fridge at my parents was nice. You can gain experience in what expectations are in different service jobs, too.Read More...
Last Reply By Gary DeBoer · First Unread Post

Moving to Seattle

Hi All! Just joined and really excited to be here! Not sure if anyone has any thoughts, but I'm moving to Seattle (lived here 30 years ago - things have changed just a bit ). I want to rent a house and have spent about 6 hours looking at various property management sites as well as the usual Craigslist, Zillow etc. with no luck. Does anyone have any good suggestions on a good resource (or resources) that worked for you? Thanks so much!!Read More...
I also recommend you find a local real estate agency for information and suggestions. They know the different areas and also many of them manage rental properties. You might ask someone at your new place of business for a recommendation on a realtor. Good Luck!Read More...
I would check with your renters insurance company. Thereis www.findmyseattle.com Lease.invitationhomes.com I would try to get a referral from your current landlord if you are renting now. That might help if you're trying to get approved. There is the concierge thing someone mentioned with a real estate company but a cheap house in Seattle or anywhere along the Pacific coast is 2k/mo. so if you want them to help I wouldn't mention anything that sounds like your not going to spend the rest of...Read More...
Last Reply By Carol Burns Marshall · First Unread Post

The person moving that needs help finding a rent house

Contact a Realtor Company in the area, they are the best resource.Read More...
I would recommend looking for a home, condo or apartment outside the City of Seattle unless you enjoy excessive rules, regulations, taxes, drug dealers and homeless people harassing you. I used to love Seattle but no it's a cesspool.Read More...
Download the (apartment list app) it lets you be very specific about what you are looking for and then gives you options in many categories. It’s very helpful!!Read More...
Last Reply By Carol Ann Hughes · First Unread Post

Payoff my Mortgage

How can I pay off a 30 year mortgage before I retire in 10 yearsRead More...
An example of my own mortgage. I make my mortgage payment and balance goes to XX,990.00. On the amortization schedule, I'm at payment # 151/360. I make the 90.00 overpayment the following week so now my balance is XX,900.00. On my amortization schedule, I'm now at payment 152/360 just from making the overpayment. So I've cut off another month with a small overpayment and inch ever closer to paying off my mortgage faster than somebody who just pays the minimum payment and will for the next 30...Read More...
How does the 0.00 help pay down debt quicker? seems as though you are still paying the same amount.Read More...
Last Reply By LeighofMar · First Unread Post
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