General Discussion

Instacart?

Don Everett Smith Jr.
Hi there Tonight I met a woman who was shopping for Instacart. It’s like Uber for shoppers. I was curious if anyone tried using it or had worked with Instacart? Thanks! DonRead More...
@krisnick09 Glad to see you had a good experience as a customer of the service. Instacart is really focused on providing the best service for their customers and their delivery drivers alike. Without one or the other they have no company!Read More...
Hey Don I’ve used Instacart here recently. My local grocery store offers a shop and pick up at the store feature. But; if you can’t get a good time they offer Instacart. I don’t have anything negative about my experience with them. They were very efficient and timely. I even had good conversation with the person who delivered my items. The service is good because you can avoid going to the store and dealing with issues like if they don’t have enough lanes open. They give you the option of a...Read More...
Last Reply By Moore Income · First Unread Post
I have to admit, I do that rather often. Because people's ignorance can really be astonishing sometimes. The problem with " Common Sense " is that it's not that common anymore at all. Ignorance often ends in accidents, or irritation or damage of some kind. With regard to acts of ignorance, I sometimes wonder how we made it as a species this far? Like this morning, I noticed a truck attempting to reverse into a rather tiny goods delivery entrance lane. The truck driver was completely in the...Read More...
DEON CHRISTIE we have a Sam Club here you can buy in bulk but you have to pay $40 for a membership for the year.Read More...
For me it's a shop called Makro @Bonnie Squires . Where you can buy in bulk with rather large savings. I save almost 45% on my groceries considering quantity. Which makes it easier to not having to buy groceries as such every month. Apart from the everyday items like bread, milk and fresh veggies.Read More...
Last Reply By Bonnie Squires · First Unread Post
For me the one superstition in particular is walking under a stepladder. I would climb over the ladder or even walk around a building to avoid going under a stepladder. It is believed to be bad luck going under a stepladder. But I don't think it's the bad luck part that have me not walking under a stepladder, or at least not the only reason. Because it is also dangerous going under a stepladder especially when people are working. Tools and equipment can fall and cause serious injury. Are you...Read More...
DEON CHRISTIE yep thats what i was told.Read More...
I knew there was something with itching hands @Bonnie Squires . Although I had my wires crossed and thought one meant getting money. And the other to be spending money...lol!Read More...
Last Reply By Bonnie Squires · First Unread Post
I think the real reward lies in the joy on someone's face. Or rather relieve. And a rather familiar feeling if you had once been in a similar situation. I think the world needs more kindness. And in my opinion true kindness does not come with any expectations of gain in any way. When you help someone, do so because you want to. Not because you want to remind them ever so often, or use it as publicity. In fact I think acts of kindness should be done completely anonymous. But kindness is often...Read More...
Indeed @Moore Income . Tiny acts of kindness give us hope. The world needs more of that.Read More...
There are still good people out there @Tracee . That is pretty amazing. And also how I believe we should help people, completely anonymous. People don't need to know everything right?Read More...
Last Reply By Deon Christie · First Unread Post
Opportunity to be featured in a Penny Hoarder article Have you found a personal loan through the Fiona marketplace (by Even Financial)? We'd love to hear about your experience. What'd the loan help you accomplish? By responding to this request, you are OK with your full name being used in an article by The Penny Hoarder and you are available to be contacted for further information regarding your experiences.Read More...
@Briana I personally do not have experience getting a loan through them. I did however go through the initial process but I did get a little confused when they redirected me and I got quite a few emails that confused me a bit more.Read More...
Last Reply By Moore Income · First Unread Post

coming out of my shell

don't really know how to talk to people when it comes to anything about my lifeRead More...
@collins Crystal, you are taking the first step by being on this forum. I know it can be uncomfortable at first talking to complete strangers, but I have found that when you reach out and genuinely take an interest in others, conversation begins to come naturally. As you talk to people, you will find times when you may have a life experience that would be helpful in the conversation, by sharing your life experience you bring value to the conversation and it can be extremely helpful. If there...Read More...
Last Reply By Moore Income · First Unread Post
I have only been to different destinations in Africa. Haven't left the continent...yet...lol! But I did enjoy both Zimbabwe and Botswana. The latter in particular. Such a peaceful place. From Gaborone to Kasane is basically the entire Botswana. With Kasane in the heart of the Okavango Delta. In other words a Paradise. Where wildlife is highly valued and nurtured. We had awesome game drives and even heard of buffalo passing through our tented accommodation. A rather exhilarating experience I...Read More...
@J Glenn Bryant thank you for your service! The military does offer a great opportunity to travel in some cases. It sounds like you have done pretty well for yourself financially and rewarding yourself by traveling is a great option! What were some of your favorite spots that you visited or some places on your bucket list?Read More...
I can only imagine the knowledge you've gained @J Glenn Bryant . That's quite a profit you had there, well done!Read More...
Last Reply By Moore Income · First Unread Post

hello

Hi! I'm Crystal from Johnson City NY. I'm a stay at home mom that loves to save money, couponing & contesting (sweepstakes). My goals are to live debt-free while life keeps sending us curveballs that use up all our savings so that we need to start again . I like to save money for camping & travelling too. also doing arts and crafts with my kidsRead More...
Hi @collins nice to meet you and glad you are a part of this community! You have definitely come to the right place that aligns with your goals. I hope you find a lot of value from this community and I look forward to the knowledge you have to share as well! If you have any questions or if I can be of help in any way, please don't hesitate to let me know!Read More...
COLLINS nice to meet you Crystal. How many kids do you have and what kind of crafts do you like doing? All most all our kids are grown now. We have 8 and expecting our 6th grand child in NovemberRead More...
Last Reply By Moore Income · First Unread Post

Expectation or planning, which is more important?

Deon Christie
Expectation has ruined more dreams than fear ever will. Fear of failure when in fact you never really fail but rather learn a lesson and gather knowledge. Especially with making money online, expectation often far exceeds actual reward. When planning is so much more important. Plan specific tasks for a specific result and get a system in place. Allocate certain tasks for certain days and stop expecting unrealistic results. You need to find and build your online structure. Personally I use...Read More...
And you're quite right @Moore Income . It is rather important to see results, although results are not necessarily always in the money. Therefore I do agree that the two does go hand in hand. Which is why mindset is so important.Read More...
When it comes to business and finances in general, I believe it all comes down to mindset. I do think things need to be well planned out but as part of planning, I think it is important to also expect to see results. If you fail to plan you are planning to fail, but also, if you aim for nothing, you will hit it every time! I would say that the two could possibly go hand in hand.Read More...
Last Reply By Deon Christie · First Unread Post

How far will you go to reach a goal toward your dream?

Deon Christie
The one difference between success and failure. Lies between those that kept going and the ones that stopped. It is the only time that you really fail, and that's when you stop believing in yourself. The rest is nothing but lessons learned and knowledge gained. Which really is just opportunity in disguise. But chasing your dreams must also be objective. And unrealistic result expectations often leads to desperation. Which has killed more dreams than anything else. Some goals take a lot more...Read More...
DEON CHRISTIE so very trueRead More...
The only time you really fail is when you give up @Bonnie Squires . I'm the same. In fact it's my stubbornness that got me this far. Because when I decide to accomplish something I don't stop until it's done. Nothing is impossible. Some things just take longer to achieve than others.Read More...
Last Reply By Bonnie Squires · First Unread Post

Have you watched Game of Thrones and Vikings?

Deon Christie
My two absolute favorite ongoing series. So much so it did result in me neglecting my PC just a little (on several occasions). The added advantage for me is the way they speak English. Especially in these kinds of stories. I find it often showing up in the way I write. And I have to admit...I find the Dragons fascinating. Which is also why Merlin is another favorite along with Gladiator. I have a thing for the " Old Myths " and " Ancient History " stories. And of all the Penny Hoarders I...Read More...
That they do @Bonnie Squires . I still prefer Netflix though.Read More...
DEON CHRISTIE sounds interesting i'll look and see if they still have it. Netflix does take some show off there programming list.Read More...
Last Reply By Deon Christie · First Unread Post

Google+ is shutting down?

Deon Christie
Does anyone know anything about this? I read on Business-Insider that Google+ is shutting down as a result of a bug. This is going to have a serious impact because my Google+ Profile with Communities and Collections was SO much work!Read More...
Thanks for sharing @Moore Income . I was kind of hoping it wasn't true. Did quite a bit of work with Google+ Communities and Collections. Much like Facebook Pages and Groups. Luckily the content is mostly blog posts and videos I shared.Read More...
There was a rumor of this for some time but it was a while back that they actually announced to the public that they were shutting down. Google was just never able to get the site where it needed to be and their user base was almost non-existent over the past few years. Then with all the recent buzz about privacy issues with social media networks, Google had to admit that they were experiencing some concerns as well and rather than spend the money and effort to try and fix them, they decided...Read More...
Last Reply By Deon Christie · First Unread Post

How did you get started working towards your financial goals?

Briana
Learning about how to manage your finances is hard! Today, we are inundated with tons of personal finance content - do this, don't spend that - but what's the right advice? Where do we start? For me -- it's the whole "pay yourself first method," which is exactly what I've started doing to start building a savings (and travel fund!) Each paycheck, I'm intentionally depositing a portion of each check into my savings account - that I'm not allowed to touch. Instead of going out to eat numerous...Read More...
And a very effective way of saving @Briana . I do the same with regards to savings and emergency funds. But that is placed aside and cannot be accessed easily. I have saved up for many things this way, because I don't like accounts. Apart from mortgage, insurances and the really necessary stuff. But I never buy appliances, linen, clothes etc through accounts. You save quite a bit on interest costs this way.Read More...
I've $1,000 in the bank and each friday will add $10 to this. I've paid 2 credit cards off with my tax returns and I'm using the money from those monthly payments to pay off other credit cards I'm all so working on my website and selling flash cards,puzzles and other things like that to home school teachers. All so I'll be making candy wrappers. I'm all so looking into selling mugs my be other things. Most will be down loads so no going to the post office. This money will be used to pay off...Read More...
Last Reply By Deon Christie · First Unread Post
Among my favorites are Quora and Medium. I also see many Quora answers showing up in Google search results for high volume search phrases. There are several great sites like the Penny Hoarder to be a member off. But it always is and always will be about offering value. Personally I think audiences are getting rather annoyed with copy/paste content. Being a member on these high authority sites like the Penny Hoarder. Is all about building recognition and gaining trust through presentation.Read More...
Agreed @Mo Brownies . The Penny Hoarder is in a league of its own indeed. Especially enjoying a rather engaging audience I must say. Penny Hoarder is among my Top Influence Building Sites. Allow me to invite you to read a little on just how Huge the Penny Hoarder has Grown in a very short time ( Why Penny Hoarder is the Place to Be ).Read More...
I completely agree @Moore Income . The Penny Hoarder is by far one of my most active audiences. They are in a league of their own indeed. And if you looked at the Penny Hoarder Stats ( Why Penny Hoarder is the Place to Be ). It's astonishing at how Large Penny Hoarder has grown in a relatively short time frame. I also enjoy communities within my niche. And yes becoming influential is one of the stepping stones to success. Recognition is worth a lot more than the actual sales.Read More...
Last Reply By Deon Christie · First Unread Post
Video has taken YouTube to the Second Largest Search Engine position. Second only to Google who owns YouTube. In position 3 is Facebook, who also now started getting in on video action. Because you can also upload your videos to Facebook. But we all have different preference when researching. But I do believe we all use a balance of the two, being reading and watching videos. Personally I prefer watching a video to follow steps or guidelines. Which do you prefer, a 1000 word article or a 3...Read More...

What are your thoughts on Extinction Level Events?

Deon Christie
It would appear it's in our Nature to destroy ourselves and everything around us. With rather devastating evidence. And what we don not often pay attention to is the fact that the 6th extinction level event is already happening on Earth! And will reach full swing within the next Century! We've been doing an awful lot of Space Exploration lately...just saying... I recently decided to do something completely different from my niche. So I started researching into the Megalodon Shark. The shark...Read More...
And rightfully so @Moore Income . As I soon came to the conclusion that everything we " think " we know? Is just someone else's research and perception at the time of discovery. So there really is much room for debate. Completely outside my niche I must admit. I literally stumbled on the idea (or rather suggestion) through YouTube video comments. So, I started researching. Just find it rather fascinating.Read More...
I don't know that I would agree with a lot of the information here. But I must admit that this is not a topic I have given much deep thought too. Interesting topic nonetheless, just not my cup of tea.Read More...
Last Reply By Deon Christie · First Unread Post

Glad to be here

Hi all! My name is Geena. I’ve been following Penny Hoarder for about three years because they have the most relevant and useful content. I am a mom who does her best to save in every area that I can do I am able to have more to do more with my children and grandchildren.Read More...
Welcome to the community @GypsySoul we are super exited to have you here. Please feel free to join in the conversation on any of the topics and we can't wait to hear more about your experiences! Maybe you could start a thread to share some of your saving tips that you are putting into practice. I would love to hear them!Read More...
Welcome to the Community @GypsySoul . I agree, Penny Hoarder have really outstanding content. And this Community is surprisingly active and growing exponentially.Read More...
Last Reply By Moore Income · First Unread Post

Money

Imagine having the oportunity to spend 3 days in Rome for free but after that you don't have to eat for 3 days. What would you do?Read More...
It wouldn't be easy, but I think if someone offered that to me, I would gladly accept the chance to spend 3 days in Rome for free. As long as I can still drink water on the 3 days I am not eating, I would be fine. I have actually gone without eating for 3 days for dietary reasons and I actually felt much better after. So from my point a view, a free trip to Rome in exchange for a fast is a pretty good trade!Read More...
Last Reply By Moore Income · First Unread Post

What is the worst financial advice you've ever received?

I'm feeling playful today--what is the worst financial advice you've ever received? Mine was so bad it was epic and funny, at least to me. I am a professional author of a trade paperback and two e-books, one of which is self-published. This "make a six figure income and travel the world" guru wrote that you could get a six figure income by hiring a ghostwriter (I've done that, too) to write 100 books and sell them on Kindle. This is funny to me because of what all goes in to writing a book.Read More...
The worst advice I ever got was to go with a debt settlement company! My experience with what I thought was going to be a help, ended up being a nightmare. My credit was ruined, and my creditors had no patience with me, when they found out, I had chosen a debt settlement company. It was one of the worst experiences of my life, and caused me extreme stress and discomfort!! The lesson I learned was that there is no short cut to paying one’s bills, and that if a medical emergency comes up, and...Read More...
When I was a broke newly married college student I spent a lot of time reading up on how you could make money by getting your car wrapped in advertisements. I could get paid to drive around! Sadly most of the programs that were hyped up online required you to pay to get more info. I never fell for that scammy part but man, I wasted a lot of time on that research!Read More...
Last Reply By Duane · First Unread Post

2K Member Milestone!

Moore Income
We just hit the 2K member milestone here on The Penny Hoarder forum!!! I logged in and saw the number and just had to take a screenshot. It is exciting to see how much it has grown even since I joined at around 400 members, now there are 2,000 and growing! That's cools stuff right there!Read More...
@Deon Christie I sure will check them outRead More...
You always have the kindest words Briana, looking forward to our chat.Read More...
Last Reply By Bonnie Squires · First Unread Post

New Member

Hello, my name is Karen and I just joined a few minutes ago. I am a 69 year old grandmother of 9 who is still working a full time job supplemented by Social Security. I would like nothing more than to be able to retire some day with zero debt but at the present time, I am not able to see a clear way to make that happen. I would welcome suggestions. Thank you!Read More...
@fuztree welcome to the community. You are definitely in the right place to find lots of helpful information about finances. Feel free to look around the forum at all the topics that have been covered and if you have any specific questions, don't hesitate to ask. You can either ask a question on a topic already created or create a new topic if needed. Also, if you have any questions for me or any other community member there is a great private message feature to connect directly with them.Read More...
Hello my is Kelz Sparks father of 11 kids married for a year now and I'm just looking for a financial break threw for me and my familyRead More...
Last Reply By Moore Income · First Unread Post

Who taught you your most important money lesson and what was it?

Briana
Growing up, I didn't necessarily have one specific person I leaned on for financial advice. But I spent a lot of time watching how my own parents struggled, which taught me that I didn't want to do the same. Now, I actively pay attention to what I can and can't afford and how to set myself (and my future family) up for more financial success. What's one money lesson you've taken with you?Read More...
Once I get my tax return I putting a good amount of money in the bank. Once I get a bill from my old place paid off than that will go into the bank account it wont be much only $10 a week but that an extra $40 a month in the bank.Read More...
To pay myself first is the good idea for example if may salary is less do I have to pay half of my salary to make my tithe and I would be left with nothing to pay my bills and my children remain without food in the house.If I pay what I can afford is it a problemRead More...
Last Reply By Bonnie Squires · First Unread Post

Newest member

Scotirish
Avid reader of The Penny Hoarder. My first side income was teaching a group of kids Creative Writing, Geography, and Math; using nothing more than baseball cards as my tools. A baseball card has the players origin of birth (Geography) small bio, (Creative Writing) and Averages (Math). I started in my basement offering the class free to the kids, the Park District heard about it and offered to pay me to teach it at their facility. We had a banquet at the end of the year and invited the...Read More...
I am new enjoying reading interesting posts which talks about recreationRead More...
First of all, great post! The World needs more teachers like you!!! Second of all LOVE Recreation & Park Departments! If we didn't have these Departments throughout the Country how awful our outdoor (and for that matter indoor) recreation experiences would be! I just read an article about how important it is to our health that we REcreate!Read More...
Last Reply By Kenny Mathe · First Unread Post

New Member and glad for it!!

Just wanted to say my name is Rich and i am glad to be a member now of this community. I have been receiving the Penny Hoarder in my email for probably over a year now; and i love it!! especially the sections dealing with consumer lawsuits. Got to admit you folks turned me onto the whole idea of filing when its a failed product of one type or another especially when it actually something you have purchased and had it fail for you personally. Also have to admit to date i have probably made...Read More...
I am new to this forum.I want to read more post so that I know where I'm going with the forums.Read More...
@Christina Corey Welcome to the forum! What topics would be helpful for you? Feel free to go around and comment on other people's topics here on the forum. That is a great way to get started and start getting to know some of the awesome members of this community!Read More...
Last Reply By Kenny Mathe · First Unread Post

1 Month Milestone!

Moore Income
I just received a notification in my alerts that I have just passed the one month milestone in this community. I want to take a moment to say that I have enjoyed interacting in this community over the past month and I look forward to the direction this community is headed. Comment below to let me know if you have hit the 1 month milestone, or let me know when you hit it! That being said, if you know anyone (friends, family, coworkers, neighbors) who would benefit from this community, be sure...Read More...
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