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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...
Welcome to the Penny Hoarder Community, @Larry Colangelo . Somehow I must have missed welcoming you. We look forward to hearing what your financial goals are and trying to help you reach them with any information that we can provide. Your wife is welcome here as well if she would like to post. We hope to see you both posting here soon. AverageJoeRead More...
Help me on this one so I can get my love and my wife here for are first Christmas and Happy New year to be together for Christmas ❤️.Read More...
Last Reply By AverageJoe · First Unread Post
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Topics

January No Spend Challenge

AnnMarie L.
Brand new here and am wondering if there’s a group that’s doing this? I’ve read about it in the past but never gotten through a whole month...Read More...
AnnMarieL, To save money on your groceries, make sure you use whatever you have already in the house, then expound to include those items in your meal plans. It's amazing how much you can save when you use up all that you have and nothing expires. Win-Win.Read More...
REDCATCEC, I would LOVE having a washable filter, but honestly I've never heard of it and don't know where to get one. I suppose I COULD GOOGLE it! (after the January no spend challenge of course). I could wash it when I change my water pitcher filter which already has that little calendar on it. Good idea reusing the plastic K-cup for seedlings. If only I were a gardener. I have a brown thumb and kill everything by either forgetting about it or killing it with kindness...overwatering,...Read More...
Last Reply By dboothe · First Unread Post
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Invisible Emotional Costs

Ray Taylor Tetreault
After my divorce in the early 1990's I made the decision to move from the inner city of Cleveland to a sleepy suburb two cities away. At first glance the higher rent seemed untouchable but turned out to be less overall. Here were some of the invisible costs that I uncovered. You may find similar rationale to any seemingly unreachable goal on your list... The car insurance costs for suburbs are usually less than inner city and in my case, the suburb was closer to my employer's location which...Read More...
I hope it gets easier for you. Meanwhile do not neglect your mental health.Read More...
There is an organization called Retrouvaille (ReDiscovery) Searching for this name also goes to www.helpourmarriage.org (same non profit organization). My wife and I went on this program (a weekend in a hotel) and a follow up of 8 meetings. Its really a great program and they don't speak to you about your problems . Three couples share their stories in areas of marriage, you just sit and listen and then do a method of non threatening communication about the topic. We were a hopeless case,...Read More...
Last Reply By Zara Zoey · First Unread Post
I have gotten a lot of support and help from complete strangers here on this site and would like to give back a little if I can. So if you are stuck at a particular part in your life trying to decide whether to go one way or another. Then please feel free to ask and I will do my best to help you with the best choices to choose from that you may simply be overlooking. Additionally, if you are at any point in a relationship but are unsure what to do next or how to handle a common issue that...Read More...
Thank you Mr. Demario for getting back with me. I have told him a number of times straight up. "If we can't get along being husband and wife, I am not interested in being your friend". I have blocked him from phone and text. The thing I've discovered is that phones still take VM from blocked numbers. And yes I have responded to phone messages in hope of him returning some of my important paperwork that he's in possession of and was agreed upon to return to me via mail. His idea of friends is...Read More...
Good afternoon Deborah, Thanks for reaching out, as this is very common once a relationship ends. It can also lead to additional abuse similar to what you’ve already experienced, as well as lead to more violent outbursts that you may have never seen him capable of doing in the past. As one, or both parties get to actually see how deep and meaningful the relationship impacted the functionality of their everyday life. Some may find it scary in a sense to live a life without the aspects the...Read More...
Last Reply By Deborah Wilt · First Unread Post

RENTERS INSURANCE

lori wulff
Hello fellow penny hoarders, I am wondering about renters insurance, and if it is worth getting. I have been hearing about more and more people are getting it. What is the yearly or monthly fee? I have Geico for car insurance. Anybody have any advice or suggestions,?? Thank you and Happy New Year!🎉🎊🎉 Lori Wulff [email protected]Read More...
thank you kindly all of you for your replies. I am going to get it.Read More...
I too have had renters insurance and am glad that I do. I have never used it, but I pay about 11$ month for it. I'm glad that I have it. I work in housing and have seen a real need for it.Read More...
Last Reply By lori wulff · First Unread Post

Working from home

Brandi Edenfield
I am just curious to know if anyone could recommend a work from home job that is actually legit, and not some kind of scam.Read More...
I second what Adam said, and I'd also suggest Rat Race Rebellion - www.ratracerebellion.com .Read More...
Hi @Brandi Edenfield , If you haven't already, take a look at The Penny Hoarder's work-from-home jobs portal . We (our team of journalist writers and editors) personally find, vet and write about the remote jobs we include in the portal. Common openings include customer service, marketing, media, advertising and writing jobs. What kind of work are you looking for? -- I'm a staff writer at The Penny Hoarder. I write about the gig economy, entrepreneurship and work-from-home jobs. Say hi on...Read More...
Last Reply By lismox · First Unread Post

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...
i am obua ambrose who have just joint the community, my main aim is to start business am from Uganda thanksRead More...
@Shari L Dilley Your situation does indeed sound complicated, and I'm sure it is. Not living in PA, I don't know what if any support is out there for you. I know that we have had friends and my sister-in-law and nieces living there. The youngest niece has a situation very similar to yours. She has had to file for child support for one of her children from the father of that child, but he has refused to pay. Even with the possibility of having to go to jail, he won't pay. She has received...Read More...
Last Reply By obua ambrose jolly · First Unread Post
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I’m new here.

Jobelle Collie
I’m new to Penny Hoarder, but have always been very frugal and I’m a budget nerd. I can show you every monthly budget from 1978 to present. I’m retired, my children have finished college and are in their careers and have families. I use Excel spreadsheets to project my annual budget, since I’m on a fixed retirement income. For 2020, I want to kill off $5000 in debt, should done by June 2020. I’m also selling my current home and buying a new home. I’m increasing my downpayment amount, even...Read More...
Thank you. I’ve never lived in an apartment or a rental. My Parents and Grandparents were from the Depression Era, so learning how hard it is to make money, keeping track of it is the only way to live. The average rental in my area is about $1,200/month but that’s a huge house payment. If I stay between $800 to $1000 for a house payment, at least it’s mine. (about a 2,000 sq ft house) I have to live somewhere. I taught my children the same frugal and budget wise methods I was taught. I’m...Read More...
First of all, Pilot is so cute! Also, welcome to the community! Keeping a monthly budget since '78 is impressive! Great job staying so organized, I have a hard time getting started on a budget but this year that is one of my goals. It seems like you have a pretty good handle on your finances and are making smart financial decisions for your future. As for your question about age and buying a home, I would say that you have earned it! If it is what will make you happy and comfortable and save...Read More...
Last Reply By Jobelle Collie · First Unread Post

Happy New Year 2020!

Moore Income
Happy New Year fellow Penny Hoarders! Here's to a great 2020 for all! I look forward to what the year holds and to interacting with each and every one of you on here. Cheers!Read More...
Shannon H!! That is fantastic!! Getting rid of that ridiculous high interest rate!!Read More...
Congrats on your hard work!Read More...
Last Reply By mintjulep · First Unread Post

Earning money

SCREENPLAY TRAINING
Greetings, I am a script writer, and I have PDF ebook on script writing tutorial and I wish to make money from it but I have no website, my question is, if I have to publish it on someone's blog or website how am I going to make money from it? I have many things I can put into writing and make many from it but I really don't know how to go about it, I need your professional idea. I don't have money to own a website, what should I do? Thanks in advance Chibueze.Read More...
Thanks all for your contributions, please more ideas with detailsRead More...
Have you considered formatting your eBook and publishing it on Kindle. With Kindle, you have access to more customers through Amazon and it would make it easier to promote your book. Just a thought.Read More...
Last Reply By SCREENPLAY TRAINING · First Unread Post

Credit

Donald Tobias
My situation is this, I've been working on getting my credit at a good level for several years. I applied for cards. Got one or two but not getting that score to go up at all. Pay in time for six or eight months and notice the score is one point higher. I have a mishap and my score will drop 50 points. One late payment cost you more than not having credit at all. I'm just trying to figure it out. Help.Read More...
Also, I wanted to share a few more links from The Penny Hoarder around credit scores. Hope these help! 10 Tips if Your New Year’s Resolution Is a Better Credit Score in 2020 These 5 Factors Are What Actually Matters When It Comes to Your Credit What is a Credit Score? Here are the Facts Behind Your NumberRead More...
Hey, @Donald Tobias ! Ah — I'm sympathetic. A number of community members have expressed something similar. What you wrote here reminds me of something Warren Buffet was quoted saying, " It takes 20 years to build a reputation and five minutes to ruin it." I suppose I think of credit scores as a financial reputation. It takes time and consistency to build it back up. Like you wrote, a late payment can really affect your score. Are you enrolled in any programs that can analyze your credit...Read More...
Last Reply By Maryann · First Unread Post

Pre-Black Friday Sales

Shirley
Hi, just wondering what you think of the Pre-Black Friday Sales? I haven't taken the time to really look into the Pre-Black Friday sales. That is why I am asking is it worth it and the time? Do you think you save more during the sales then other times of the year?Read More...
Hi I actually work in retail, and my store does some big deals pre-black Friday. Some of them are worth it and some aren't depending on the item and the store's policies. What I think the real danger is, is that I often see people come in, get caught up in the sales, and accidentally spent too much because the "deals were too good!". Even some of my regulars who are really good budgeters and put things back if they don't have the money, get caught up in the perceived sales and overspend. So...Read More...
Hi - At this point I think that the pre-Black Friday sales are so common everywhere you look that they have pretty much eliminated huge deals unless you’re looking for something very specific that you’ve done research on. It seems that every day is a pre-Black Friday sale and it’s gotten to be a very ho-hum.Read More...
Last Reply By Gabby · First Unread Post
Admiring a fancy dinner with your partner ? Or a Champagne-filled party out with friends? A catered meal at home? Restaurants are all set to serve you on this New Year’s Eve. Most major chains of Restaurants will be open on New Year’s Eve and New Year’s Day with fantastic offers and celebrations. Wave goodbye to 2019 and welcome 2020 with scrumptious meals and tempting drinks. Applebee’s: Most locations will be open from 11 a.m. to midnight. Bahama Breeze: Be a part of the New Year’s Eve...Read More...
Thanks for sharing this helpful little list for people who want to start 2020 off right by saving some money from the get go!Read More...
Last Reply By Moore Income · First Unread Post

What are your favorite Saving hacks?

Madiha Jamal
Saving and budgeting are the most celebrated word among Penny Hoarders. As a saving expert, I have shared many shopping saving tips and amazing ideas to save money in my buying guides. Now, I want to know your favorite shopping hack which you always use and love it. Mine is the cart abandonment and hunting deals and coupons. And yes grabbing freebies is my favorite hobby. What's your's?Read More...
Happy accident when I discovered this. To keep it speedy (appreciated by the people in line behind you) I have everything written down and hand it to the ticket agent. All dates, seat selections, baggage info and since they have all your information in front of them because you just checked into a flight, they can process reservations quickly........most of the time. I also look at the reservations online before heading to the airport, Allegiant publishes their flight schedule and rates at...Read More...
That's interesting.Read More...
Last Reply By mintjulep · First Unread Post

Thinking of getting a Graduate Certificate in AI: Pros and Cons?

I am looking to go back to school for a professional certification in a field I have no experience in. I am debating which school I should attend and weighing the pros/cons of a more pricey school (but the curriculum is good) vs a less expensive school ( i have no clue how the curriculum is). Any thoughts on how I can figure out the best route?Read More...
Giving us more information would help. What will you be studying? If it's an MFA or something like that it may not matter as much. Also, you may want to contact the career services center at the schools you're considering to see what their job placements are in your chosen field.Read More...
Last Reply By lismox · First Unread Post
I have too many credit cards. I really want to not use them and let several of them close by the issuer for lack of use. Right now I use less than 1% of my available credit. I have read it is OK to use up to 30% without negative consequences. My credit score is 813. I would like to keep it this high. Will letting some cards close hurt my score?Read More...
Most likely yes because your debt ratio will go up percentage-wise. Even if you leave them open and do not use them they still report your available buying power and falsely inflate your worth. You would need to increase your CL with the remaining CC's to avoid that. I recently closed 4 perfectly paid credit cards and was slammed 100 points. I had my head spinning. Now I am carefully opening new credit to have current payment history to show. Even though my point was to get out of the credit...Read More...
Last Reply By Leslie Kay · First Unread Post

This is how I save a little bit here and there.

Tara Baynard
I've been reading on here that many folks are looking for ways to save money each month. I have found a couple of ways by following one of my dad's habits. I am very careful about what I throw away. I recycle as much as possible . I have a burn barrel to burn my confidential papers, but that can be shredded and used as packing material as well. If i have left over food or things that can be put in a compost i place it in a plastic bag and take it to a compost area i have created. I live in...Read More...
Not all people like used clothing but upcycling is the new buzzword. Check out ThredUp and other upcycling web sites for major savings on better name brand clothing. I'd rather save 50-80% off name brand clothing than cheap no-brand clothing - the better quality ones last longer and wear better thus saving you money in the long run.Read More...
If you are using dryer sheets to stop static cling, cut the sheet in half. You'll stretch those dryer sheets dollars by 100% and not have the 'perfumed' smell of full size sheets.Read More...
Last Reply By Umleitungme · First Unread Post

I want to backpack to EUROPE

Zara Zoey
I have been planning to backpack to Europe and ever since I mentioned this in a family dinner, they do not stop talking about souvenirs. Can you guys suggest affordable range ones in France, Holland, and Germany? And what are the best stores for that!Read More...
Yes!!! I love the idea of an album with notes to family.Read More...
You could take lots of pictures on your smartphone and have copies made. Then make them each a photo album.Read More...
Last Reply By Zara Zoey · First Unread Post

Holidays and Unemployment Services

DailyGrind
I was unemployed between July and September. My state's unemployment services office discovered there was one over-payment which I have started to pay back. I called the unemployment service office today to make sure my payment was received and that everything is in good order. Although I am working now, I don't receive benefits from my job, such as paid holidays and paid leave, so when the office is closed I don't get paid that day. So I asked the unemployment service rep if I can file for...Read More...
I am sorry that you were treated badly. Money is stressful enough without someone threatening to audit what you have already received and usually spent. My recommendation would be to just call back and speak with another rep. If the questions come up then you could explain the disconnect. These are government employees so they really in a unique position because a complaint probably isn't going to help you in any way. Though I believe in reviews and feedback whether I am treated well or...Read More...
My daughter, too, works for a company where they don't get paid for days off, holidays, sick time, etc. She is a one-on-one aid for school students with disabilities and loves the job, but, in addition to all the days off during the school year, of course she is off all summer. We are in New Jersey. Can she file an unemployment claim?Read More...
Last Reply By Leslie Kay · First Unread Post

Credit cards

Susan L. Miller
I have just paid off all my cc debt and want to know if I should close accounts that I am not going to use, like Discover and store accounts. Thanks for your comments!Read More...
I would close them. Especially the store cards. I would probably only hold on to two. One would have the highest limit. And the oldest one.Read More...
Hi Kelly- Thanks for your comment-actually the opposite. My score is very high, I don't plan to make any big purchases like a home or car, and I want to have less chance for the bad guys to steal my info! I saw a report that said dark web will sell thousands of identifying info for $50!Read More...
Last Reply By E Allen · First Unread Post

Do you find video ads annoying?

Deon Christie
You're busy watching a video, when suddenly an ad fills the screen. Really? So I ask myself if people are getting annoyed with video ads. Popping up while the video is playing. I suppose with proper presentation it can create curiosity. I'm just wondering how international audiences feel about video ads. Share your thoughts on video ads. Do you click on ads, or just close them to continue watching the video?Read More...
I don't like the interruption, but it does make me think about why they are targeting me! Also I find it good for my brain to see how much I can ignore. IMHO the advertisers are shooting themselves in the foot by causing more irritation than interest! Then again, an 8 year old boy just made $22 MILLION dollars from his YouTube channel reviewing kids toys. What a wonderful world! <g>Read More...
The feeling is mutual @KellyFromKeene , I too get a little annoyed with ads. I like videos not only for the information but also the traffic capability with online marketing.Read More...
Last Reply By Susan L. Miller · First Unread Post

cover letter

stella cheatham lerch
when in school learning about cover letters and graphics I made a cover letter with a very big yellow and black butterfly and that was received very well; and for my final once I made a power point using recorded music and graphics with a Beethoven melody that went over well too. :) I guest the more you put into something especially something out of the box it draws attention in a positive way:)Read More...
Agree, @KellyFromKeene ! In my own experience, I've found cover letter formats are really dependent on the industry. I've had friends have luck with ultra creative cover letters / resumes, but they are in creative industries where that sort of thing is highly valued. For my own industry (PR/Marketing), I tend to keep it pretty traditional but I add fonts and try to format any application materials in a way that's clean and easy to read. Curious to hear what other Penny Hoarders have had...Read More...
I think it all depends on the field you are working in. I applied for the same job in 2 different agencies in the same area. One of them I used a traditional resume and cover letter and the other I used a more modern one with a different layout, font and a picture. I was, honestly, a perfect fit for the jobs. I got an interview and eventually an offer with the traditional one, and not even a call with the modern one. Crazy.Read More...
Last Reply By Maryann · First Unread Post

Great Budget Friendly Gifts

lori wulff
Most of the people today are tech savvy and easy is the key. FOR ALL. I make up "gifties" cosmetics, bath & body, haircare, and techie. Everyone loves to get a bunch of gifts, and a bunch of little helpers for daily living get used; there not gifts that get put in the closet. I suggest to stay safe and get what your people use.Read More...
I am giving one of my daughters a haircare giftie. She loves scrunchies. So, I have a bunch of them, hair oils, wet brush and i always throw in hand sanitizers, charms, and chapsticks. They love it!Read More...
I hate to say this but I have come to the conclusion that making gift bags have always seemed to come out to be more expensive than buying a gift like for my younger cousins and their kids buying Dollar stuff to go in bags is going to come o ut to idk for instance what's say $20 a gift bag by the time you put enough to make it a gift.... okay we're as I could go out and get let's say for my kid cuz i could probably get her a toy on sale for five or six dollars on sale that's normally a 20...Read More...
Last Reply By lori wulff · First Unread Post

Help

I am elderly it gets harder every year to make ends meets no matter how I budget, trying to save is futile the best I can do is live month to month.Read More...
GoodRX is an app that will save you a good amount off of prescription co-pays.Read More...
Also check with your utility companies. Most do have senior assistance when it comes to bills and other services that can assist with your expenses. Especially when peak seasons arise. If you have internet, check your provider for cheaper options or promotional plans. And think about a different cell phone service especially if you are not a heavy user in the full course some service providers charge for. Budgeting can only take you so far, so I understand that frustration. Since raising...Read More...
Last Reply By Leslie Kay · First Unread Post
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