General Discussion

If anyone has a question on tenant rights in NYC..I'm that chick.

Hello everyone. I am from the city that never sleeps...NYC. They say if you can make it here, you can make it anywhere! Well...it's true bc boy let me tell you guys, it is so tough. And to find a roof over your head is yet the toughest. There are a lot of scam artists, haters, fake, money hungry, pessimistic, energy vampires, little spirituality, broke, lazy people here. Oh don't get me wrong, New Yorkers are more than not, willing to lend a helping hand yet you must be alert and careful on...Read More...
Hi Lolita, sharing some of the situations you've gone through would probably help a lot of renters. Unfortunately, the landlords usually know the landlord/tenant laws but renters do not. Many renters don't even realize they have rights when they sign a lease or be forfeiting those rights if they don't sign a lease.Read More...
Hi @Lolita I have been to NYC once, but I don't think I could ever live in a city that big! Good to know someone who knows the ins and outs of housing there though! I have heard that there are a lot of scams when it comes to renting apartments etc. Have you personally run into any of these?Read More...
Last Reply By mintjulep · First Unread Post
Hi, I have missed this group dearly over the last 2 months! I'm trying to catch up on all the great posts I have missed. I thought I would share a few ways I was able to save some money while my 10yr old son was in the hospital for 52days. I did get a few days warning that he would be going in for 2 weeks so that the doctors could adjust his feeds & medications, unfortunately things didn't go as hopped & we ended up being there for 7.5weeks! Because I had some warning this was going...Read More...
We had 2 fabulous social workers following up on us. They do have a great amount of knowledge & were able to guide me in the grant applications as well.Read More...
I'm so glad to hear that your son is doing well and that you are all home together! And wow, your handling of the money issues while he was in the hospital is amazing. Great job! (And as a fellow Social Worker, we have great resources and knowledge of resources. It's our job- Always ask )Read More...
Last Reply By Nicole · First Unread Post

Easy Christmas money

Betty Kay Ramsey
I started putting $10.00 in quarters in a piggy bank each month, plus all leftover change from breaking bills. Every December I take the change to the bank to convert it to dollars. I usually have around $200.00. It's a little change in behavior, but it really helps at Christmas time.Read More...
I enter contests & sweepstakes to win prizes and some I will save up for Christmas & birthdays for my family & friends. I also redeem points for gift cards to use to buy gifts.Read More...
I agree, that I can become quite the engaging game! My kids know to look for change on the ground, pop bottles for recycling, etc to get themselves some extra money.Read More...
Last Reply By Nicole · First Unread Post

Easy access to the Community from ThePennyHoarder.com

Theodora
Hey all -- don't know if you've seen it yet, but there is a shiny new navigation on the main Penny Hoarder site: thepennyhoarder.com where you can access community easily now! So...if you ever forget the url and don't have a bookmark handy, you can visit the site and click on the Community tab!Read More...
Thanks for sharing!Read More...
I saw that! Also the links within the articles to discussion groups here. Great way to promote.Read More...
Last Reply By Moore Income · First Unread Post

Jail Problems

I work in poor communities and one of the issues they have that no one wants to talk about are the financial problems born primarily by the poor communicating with an incarcerated loved one. We live in literally the worst time in U.S. and world history for imprisoning the poor. The United States now imprisons more people than any other country in the world and in the history of the world. Here's the numbers: 650 people for every 100,000 people. We have 327.2 million people in the U.S. I am...Read More...
Sandy...writing letters helped in my situation. Although I couldn't talk to my partner every day, I could hear his voice in the letters. We had to censor what we wrote because every letter got opened and read for content. They took a bit over a week from sending to receiving. I wrote nearly everyday. His paper, stamps, and envelopes were a commissary purchase.Read More...
Are jail inmates allowed to have a phone? I doubt it. But I'll check. The families that qualify usually have the phones. This does not reduce the costs for most people. Most are working class families, living a few bucks above the poverty line. Those three million people in jail all have families, most work. Many of these people are innocent. That's why they have organizations like the Innocence Project. Thank you for your reply and your suggestion! I do appreciate it. Our prisons for profit...Read More...
Last Reply By Aoife · First Unread Post

selling on offerup, letgo and marketplace

socgirl
I have had 4 or 5 things sitting in each of these places, w/ pictures for 2 weeks now. what are some suggestions to get the items to move?Read More...
i sold 2 prs of sunglasses on next door, saturday. i'm going to list some more stuff and then i'm going to begin lowering prices on stuff. btw, the sunglasses i sold were dollar store sunnies, that i sold for $5/prRead More...
I know what you mean I have had a purse that isn't movie either.Read More...
Last Reply By socgirl · First Unread Post

Tell me about Stash and Aspiration

Patricia Jernigan
(Hi all! First time on here.) Those of you who use either one of these--or both--what can you tell me about them? Other than what their websites do, I mean. Also, what has your general experience with them been like? I'm giving some thought to using them, but I'd like more information before I do. Thanks!Read More...
I have just stared using Stash also. So far so good. They make it so simple to do. I like that they have so many options to choose from and that there is always help and education on the site to help you through your money and investing questions.Read More...
I have been using both Stash and Aspiration for quite some time now. Aspiration is a great bank account that pays a decent interest rate. I use it personally to stash away some money and earn better interest than I would at my local bank. Stash is an investment app that allows you to purchase fractions or whole shares in a company. I personally like Stash as an investment app because it is easy to use and they give you all the information you need to make a good investment decision. They...Read More...
Last Reply By Mexpensive · First Unread Post
I have been selling items on Craigslist on & off for over 6 years now & make really good money when i put the time in. But it does require one to be organized when you have lots of items to sell. I was curious if there is an App out there that can help me be more efficient when selling on Craigslist?Read More...
I know of none. Someone who knows code could make one.Read More...
I know what you mean! I have been selling on eBay for quite some time and buying items and keeping track of them for resale can be a hassle! I would love to find an app to help with that but don't currently know of any.Read More...
Last Reply By Mexpensive · First Unread Post

Where Else Can I Cut Expenses?

Jim F
I just signed up for medical benefits through my employer but the weekly cost is significant: $160 a week! (I remember when it was $85 a month). So this equates to over $600 a month out of my paycheck. So we are looking to cut back on expenses. I pay nearly $200 to (the evil) Sprint for our two phones. I'm looking to move to Consumer Celluar and the total cost for the two phones should be $55 a month. But I need to call Sprint. Insurance costs us $440 a month which covers two cars and three...Read More...
I would find a new cell Phone service. I use Consumer Cellular.I pay 55 a month for 2 lines. Then ditch the landline.I would then cut the cord for your TV . I still use them for my internet. I use an antenna and stream Hulu and use my Amazon for streaming . Get a Ruko for that set it up to your TV you are good to go. I would then shop around for your insurance needs. This can be done on the internet.There is also lots of free streaming channels to choose from.Read More...
I need to check out that T-Mobile deal. That sounds really great. I hope they will allow us to bring our own devices. As for YouTube TV, that was a pig in a poke. The streaming from a PC to our TV resulted in stuttered streaming with no close captioning. It may come down to a combination of NetFlix, Hulu, Prime Video and CBS All Access. But you still have to have an Internet connection to view all of this. My 19-year-old son, an attorney in the making, is going to deal with Sprint later this...Read More...
Last Reply By Mexpensive · First Unread Post

My comments / Posts are not being displayed

Denise Hilton
I recently joined ThePennyHoarder community and created my profile. I posted replies to a couple of posts. When I submitted my replies it worked fine but my posts were not visible. They are not even showing in the pending post section. What could be wrong?Read More...
Alright. Thanks for clearing this up.Read More...
Yes, @Denise Hilton , your first five posts will be moderated before they are published in the community. Once you hit five, you'll be able to post without approval needed. Happy to have you in the community!Read More...
Last Reply By Denise Hilton · First Unread Post

What's the best way to teach kids about money?

KellyFromKeene
I have two boys, 11 and 14. I give them a small (probably too small) allowance, and they will earn extra money sometimes doing stuff for my parents after school. Usually I make them do it for free to help out, because we all have to look after each other. Regardless, they have a bit of pocket money. I speak pretty openly (not totally transparently) about what I take home, and what things cost, how bills are paid, and how I save. It's a fine line though, becuase I have a worrier, and he gets...Read More...
KELLYFROMKEENE When our kids was younger. We had 3 jars for them. 1 was for spending 1 Donate 1 for family fun . We give our kids allowance each week about $10 to $20 They had a choice when it could came to spending there money. They could spend it rite away or save it for some thing bigger. The Donate was for them to give to a charity homeless person or school,church. There choice. Last 1 was for family fun they could choice what ever they wanted as long as they had the money for it. When...Read More...
@Buddy Hooper , that tree of plenty time bank looks interesting!! Have you used it? What's your experience been like? Thanks, @jmarr , for the info. I'm very big on gratitude and thankfulness, and think that's SOOO important to a happy life. I love hearing about young people with that attitude.Read More...
Last Reply By Bonnie Squires · First Unread Post

Working at Universities

Melinda Longtin
Hi everyone! I am going to apply for jobs at the university my fiance was just accepted into as a student. Does anyone have experience applying for and/or working for universities that would not mind sharing some general tips?Read More...
I worked at a university library years ago, and my ex continues to teach as a adjunct at several local colleges and the university. I don't have any tips to offer, but I will say that I am available to answer any specific questions you may have!Read More...
@Kiki48910 @Moore Income Thank you for your encouragement and input.Read More...
Last Reply By KellyFromKeene · First Unread Post

In need of.

Soulflowaa1
Hello I am need of a refurbished computer or laptop, if anyone may have one their not using or don't need, I am unemployed and could really use one to work from home, it would really change my life for the better, I have been doing a lot of research and searching for help with the this, I know it's a stretch, my apologies for any inconvenience if caused. Namaste.🙏🏽Read More...
You may have better luck searching around locally (on Facebook or asking friends and family). Shipping on such an item can be quite expensive and might not be worth it depending on the condition. Also, in my case I have two laptops but I use both on a regular basis. Laptops are harder to come by but if you are able to come up with a little money, you may be able to find an older used computer at a thrift store or an estate sale or garage sale that might not cost too much.Read More...
SOULFLOWAA1 there people that use there phones to make money these days. All so if you can't get a computer or lap top you can use the libary computer.Read More...
Last Reply By Moore Income · First Unread Post

Emergency Fund vs Good Credit

Wen Dee
I am interested in opinions on this subject... Which is better to have money in an emergency fund or use your funds to pay the past debt owed and have good credit? My dilemma is, if I use the money I have and pay my past debts off, I'll have good credit and no emergency fund for car/house repairs, funeral costs or mortgage. If I put the money in an emergency account, I'll have money if needed and bad credit. Not sure which is better. We have only SS disability income. Thanks for your advice.Read More...
WEN DEE your very welcomeRead More...
@Bonnie Squires I did start the process to have my main loan discharged and am working on paying off the smaller loan. ThanksRead More...
Last Reply By Bonnie Squires · First Unread Post

Watermelon Fun - How do you get the best mileage out of your food?

Hi everyone, I just started writing for ConstantContent.com and am working on an article on watermelon--specifically, how to get the most bang for your buck out of one. Did you know 100 percent of the watermelon is edible? You can pickle the rind, make it into coleslaw, or use it in a stir-fry. Toasted watermelon seeds are also popular in Africa, as is watermelon seed oil (which ain't cheap!) Anyway, I hate to see food got to waste, so I thought I'd post this. If you want a good website with...Read More...
THESUGARFREELIFE you so much i sent your last one to my daughter she does the caner. There no way i can lift the pot i brought her.Read More...
@Bonnie Squires I've used the same formula for almost all berries and kiwis (sounds strange, I know, but tastes great). Those are basically the only fruits I'm allowed. The only difference is the length of time you need to let it simmer as some contain more liquid than others. If when you mash the fruit, it's very watery, use 1 cup of water and it will cut down on the simmer time. It only 'jellifies' when it has been refrigerated.Read More...
Last Reply By Bonnie Squires · First Unread Post

Emergency utility bill help

Kiki48910
Hello everyone, My husband and I are currently in Chapter 13 Bankruptcy and our money is very limited. We've been trying to keep up with our utility bills by getting on their budget plans and were doing well until he got switched to 2nd shift from 1st shift and he's getting less hours therefore the money is less. Now we've fallen behind and we've been begging and pleading with them to not shut off our water & electricity but there's no more negotiating and we have no way of paying even...Read More...
KIERSTEN HEDKE I know how you feel. Just went to get meds filled for our son and was told he was taken off medical. i just want to crawl back in bed today but i'm not given up. Your local churches my be able to help you. All so this my sound crazy but if you have kids in school or not they my know of some one who can help you. I did this years ago even called a school district we wasn't in but same county and got help that way. All so depending on your health issue they my not be able to...Read More...
Check with agencies like United Way and Catholic Charities or other church organizations..... they may be able to assist you.Read More...
Last Reply By Bonnie Squires · First Unread Post

What Does Being a “Penny Hoarder” Mean to You?

Kirsten Cherry
Yesterday I was thinking about all the things I do to save money for my family. We always use coupons when eating out, we don’t buy things we don’t need, I call companies directly to ask for discounts, I shop around to get the best deal. I even purchase outdoor clothing at name brand so they last longer and save money in the long run. These are some things that define me as a “Penny Hoarder”. When you think of yourself as a “Penny Hoarder”, what things come to mind? KirstenRead More...
Being a penny hoarder is a means to an end. To pull resources from things that are less important to put into things you value more. It's creative solutions, reuse, fixing before discarding, new skills, contentment, looking at the long term. In one sense, I'm not a true penny hoarder. Not spartan or minimalist. I like to have beauty along the journey. So even though the long term focus is on the future, that's not all of it. My husband tells a story about his mom. She had a beautiful set of...Read More...
For me being a Penny Hoarder means learning to save money,getting out of debt side hustles. Coupons for my family. Saving things that you though would go in the trash. I'm learning so much from this community and hoping I'm helping some other to.Read More...
Last Reply By Olivia · First Unread Post

Giving to Charity

Moore Income
Do you give to any charities? I am personally trying to improve in the area of giving. My mentor has taught me that if you don't give even when finances are tight, you won't be a giver when you are financially free and have a lot of money. I am just wondering what others perspective is on giving, and especially giving to charitable organizations. Not every charity is the same in that some of them give a majority of the donations to the actual cause while others take a lot of the money for...Read More...
MELINDA LONGTIN thank youRead More...
@Bonnie Squires The social media graphic for Spreading Joy is scheduled to post on Thursday, April 11 on all of inspirwing's social media accounts. @Regeniu$ The social media graphic for Holy Sews is scheduled to post on Thursday, April 18 on all of inspirwing's social media accounts.Read More...
Last Reply By Bonnie Squires · First Unread Post
Page

What financial wins (big or small) can you share?

Briana
We're all working towards our own personal financial goals and I'm curious... What are some of your (big or small) wins that you've accomplished this week or month? Do you have any specific goals for April? Let me know!Read More...
@Shannon H That's Awesome! Keep it up and be sure to let us know how it goes!Read More...
April will be a good month for me as I get to travel for work and get to visit family while I'm there so almost a free trip on my part. Plan to keep packing lunch daily as working out of the house all month to keep food costs to a minimum. All work expense reimbursements are going to final credit card and hoping to be free of credit card debt by end of June..... which is 18 months ahead of what was originally put into the budget.Read More...
Last Reply By Moore Income · First Unread Post

Resumes

Mexpensive
Have you ever paid someone to help write your or revamp your resume? I need a new resume done as I am trying to re-enter the workforce after years of not working. Any suggestions?Read More...
@kelleyg , I would recommend going to the local Workforce Development office (Unemployment office, or whatever it is called in your region). They have programs to help people get set up for employment, and one of the free services they offer is assisting with resume development. Those offices have a LOT of resources and are underutilized.Read More...
What if you have no idea how to put one together? I do, having been in the workforce for decades.Read More...
Last Reply By KellyFromKeene · First Unread Post

Financial Accomplishments (SHARE YOURS)

Moore Income
Every small step in the right direction is one step closer to the goal! When it comes to financial fitness, every accomplishment (no matter how small) is important, as it helps you create a better financial future. Even something as small as not buying a coffee and instead putting that money you would have spent into savings is a financial accomplishment worth celebrating. The more times you do these small things, you begin to create good financial habits that you will carry with you the...Read More...
@Mary G Sounds like you are putting to practice some great financial principles. I am still learning and just starting to put into practice good financial principles for a better financial future.Read More...
MARY G sounds like you have a really good plan there.Read More...
Last Reply By Moore Income · First Unread Post
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