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Suggestions for Automated Savings?

MountainFan
I've read through this article a bunch of times now, and I still just don't know. I've tried Acorns and honestly never saw much benefit with the small bits of savings I was able to put in the account. I like the idea of Digit but I'm worried a little about how it works. (Like does it offer protection to not overdraw?) Investing seems a little outside of my scope for now. I love the idea of setting goals for the savings, like for an emergency fund or vacation. I recently opened an Ally...Read More...
Thanks. I will check out the article for the $5 challenge! ShopKick never makes me sign in, the app opens and that's all there is, ready to go. Maybe they have improved, signing in each time would be a deterrent and I agree with you, too much hassle.Read More...
I stopped using Shopkick. Having to remember to sign in before you walk into the store is too much work. I do use a cashback credit card. Whenever I reach $50 in savings -- right into the savings account. I pay the card back in full twice a month so I never carry a balance. It's basically my debit card. Pennyhoarder just did an article on the $5 challenge and how to do it if you don't carry cash. Check it out.Read More...
Last Reply By redcatcec · First Unread Post

Topics

Savings

When we return from a shopping trip > We set aside the monies saved with coupons. Also restaurants and fast food savings.Dennis Sent from Mail for Windows 10Read More...
I love to say for a rainy day. I was raised to be responsible with my money. My mom always says never compromise on health, no matter what. so, IDK, someone suggested to opt for healthy lighting and I cannot stop purchasing those and gifting it to my mom! Humor but it is helpful!Read More...
This is really a smart way to save money.Read More...
Last Reply By Zara Zoey · First Unread Post

Auto Ins based on usage

Hi everyone, just this week I heard about Auto Insurance based on actual usage. I'm newly Disabled so reorienting some areas of spending. It doesn't make sense to pay so much when hardly driving at all. Before inventing the wheel, I thought asking here might yield results for all of us. Is this really a thing? It's Its certainly not common knowledge yet, if so. Are there legitimate companies/ comparisons? Thanks!!Read More...
These are details I am not aware of yet best thing is to look on their website. Root usage-based Auto Insurance. They're not available in my state yet, which is North Carolina, but in most others according to the map. Good luck!Read More...
It seems like a good idea to have a auto insurance policy based on usage, the consumer ends up with significant savings on their rates. Can you explain what happens if you have an accident or any events when they are monitoring? Are they very forgiving?Read More...
Last Reply By Kumba · First Unread Post

Super Easy Tips for Saving $1000 or More in 2020

Elice Max
At the start of 2019, I was introduced to the Penny Hoarder by a friend while we were discussing our money problems. After being a silent reader for a few months, I decided to join the community and share some of my experiences. I’ve learned quite a lot about financial management on this forum and this article is a summation of everything that has worked for me. I’ve set a minimum limit of $1000 to save within a period of one year. With a stricter discipline, one can, however, save more.Read More...
I love coffee! My friend and I enjoy a good cup of coffee and a pastry of bagel once a week, we do not plan on giving this up. But, as a way of saving and enjoying later, we visit places where you can get free to go cups of coffee to savor later. This is Panera and a local bagel store. Panera also gives you a free birthday treat, as well as visits/purchases adding up. Occasionally they have promotions on their gift cards, think it is $10 back on $50-usually this occurs around graduation and ...Read More...
Thanks for these reminders, ELICE MAX! Love your name.Read More...
Last Reply By redcatcec · First Unread Post

Saving for and with grandchildren

I have six grandchildren, ages 16, 15, 12, 9, 6 and 3. I want to start saving money for them, but I want them to participate in the savings program. I'd like to give the older kids an allowance plus a savings account. I don't have much money so I'm not going to be investing in the stock market or anything like that. But I could manage maybe $100/month to split between the six of them. Any ideas?Read More...
Have you considered a 529 plan for saving for college? We contribute to our grandkids plans every year around their birthday. Their parents set up the account, not us, so you can set one up for each child or contribute to a 529 set up by others. It must be used for education purposes, tho not necessarily a 4 years college. It can be used for a trade schools as well. Fidelity (Investments) has a good read about 3 different types of school savings plans...Read More...
I would start by having an honest conversation with them about money. They should know what you're trying to achieve and this would make them respect the process. As for the savings part, I believe a simple savings jar for the kids under 12 would do the trick. Meanwhile, consider opening accounts for older children.Read More...
Last Reply By mintjulep · First Unread Post

What kind of store bought pizza is almost or as good as pizza chains?

Think of how expensive it is to have pizza delivered. If ordered frequently, you could be losing a lot of money long term. What kind of store bought pizza is almost or as good as pizza chains? What is the worst? I don't know what the best is. However, the worst is Celeste. It's tastes like it is made with American cheese rather than mozzarella.Read More...
I have seen that in my grocery store so many times, and I am always tempted. I signed up for free coupons. The advertisement that came up was so original. It made me hungry!Read More...
We like Screamin Sicilian and can only find the brand in our area at Publix. Publix runs BOGO frequently, and if you sign up at the SS website, they email $1.00 off coupons every 4-6 weeks (expiration dates are short, so take note)/And SS doesn't spam! We do jazz up with extra mozzarella, but do any store bought pizza! https://www.screaminsicilian.comRead More...
Last Reply By MsKimberly · First Unread Post

What has been your money epiphany?

Sid
I'm just curious to find out what has been your aha! moment when you realized a cool way to save money? When did you finally decided that now is the time to stash some money for rainy days?Read More...
After a divorce in my early 30's, and the need to find a good, reliable income, which turned out to be real estate sales, and some roller coaster income years........well, the lightbulb went on. My neighbor happened to be a CPA and I consider his financial advice to be the best ever received at a crucial time in my life!Read More...
Grandkids are amazingly pricey!! I realized this when I started tracking my spending 6 years ago! Wow! And tho I knew I was probably being too generous, just how generous showed up in bright RED!!! LOL! It wasn't all the spoil, either. When they stay weekends or weeks, the special foods, entertainment, activities all add up. Wouldn't have it any other way, but goodness it was an eye-opener!Read More...
Last Reply By mintjulep · First Unread Post

Saving money

The first step to saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Consider using your credit card or bank statements to help you with this. Bank of America clients can use the Spending & Budgeting tool , which automatically categorizes your transactions for easier budgeting in the...Read More...
Pretty much a success story of saving money. It's been months I have been saving to solo backpack to Europe. The mantra other than an intensive scrutiny of budgeting is to see what really matters and what seems like a excessive junk!Read More...
The Every Dollar app is also a great budget app! Very easy to figure out, and you can add customized budget categories and it tells you when you’ve gone over your budget.Read More...
Last Reply By Zara Zoey · First Unread Post

SAVING MONEY ON A FIXED INCOME

Debbie Carr Oliver
I live on a fixed income and was wondering if anyone has any tips on how to save and where to save with limited funds.Read More...
I live in a small city in Iowa. We have 3 food stores. A chain store, a health food store and Walmart. The chain store is slick but understaffed, poorly run and expensive, often raising prices on a $3.00 item by $1.00! The health food store is well run and stocked for those who have no money issues. Walmart has by far the lowest prices. For instance we feed our dog food with chicken bone broth. The same item, same size is $3.50 more expensive at the chain store. I do read the flyers and...Read More...
I am retired and recently was scammed out of a lot of money. I have a Costco Credit Card which pays me cash at the end of the year. I charge my daily expenses, however, I never charge more than I can pay off each month. Unfortunately I was scammed/frauded out of a lot of money. I am fortunate as I have investments which I am now having to use to pay off my debts. The taxes that I will pay is a lot less than paying the interest on my CC. I am looking into changing my insurance as well as...Read More...
Last Reply By Brad · First Unread Post

Aldi is awesome

lismox
I went into Aldi today after my bike ride, and I was reminded of why I need to shop there regularly. The prices are amazing, the selection is good, and the store was really clean. I love Publix because of the selection, but the prices are much higher. I will continue to shop at Publix for certain items, but I'm going to make it a point to go to my local Aldi's for everything else. I got this really good Thanksgiving stuffing and cranberry pasta. Does anyone else use Aldi's and like them?Read More...
Aldi is my go to store for most everything these days since I began slowly removing processed foods and replacing them with veggies & fruit. The prices are better and the quality is the same.Read More...
I was at Aldi's this week stocking up on butter, stocks, etc. For a change, I didn't purchase any meats (already stocked up). It is not my "always" store but like a poster mentioned earlier, it is just one in my arsenal of attempting to save on groceries. Now, if I could just stop all the little, mindless, snack shops at convenience storesRead More...
Last Reply By Shannon H · First Unread Post

How to save money at the vet's

lismox
I have 3 cats and had to put two down this year (we didn't have 5 at one time, only 3). I used both my regular and emergency vet this year out of necessity, but I will be avoiding my vet as much as possible now, and doing the following things instead: 1. Using a vet tech who comes to our local Petsmart. Literally I spent $10 per kitten for their first two vaccines. It would have cost hundreds of dollars at my vet's office. Check with your local pet store to see if they have mobile clinics,...Read More...
I have four rats: Raleigh, Caroline, Blitz, and Krieg. Nationwide insures exotic animals, but I didn't get it for them yet. My vet takes CareCredit and is very reasonably priced, especially considering she's a specialist. The rats are my emotional support animals and I spoil them rotten. I've also found ordering food in bulk on Chewy helps me save money.Read More...
@AverageJoe Dogs give so much joy. Many times they touch our lives more than people do. It is very hard when they pass away. If I decide to get a dog, I think I would be better off with one that is not hyper.Read More...
Last Reply By BeckAtsila · First Unread Post

Amazon purchases

Carol Bontrager Sveglini
I read awhile back about some apps to use when ordering online. Planning on making several purchases on Amazon. Was Ebates one of them? Are there others? CarolRead More...
Ebates, Honey, Be Frugal, Coupon Cabin, Shop at Home. Just to name a few online cash back extensions for Google.Read More...
I have used Ebates a lot in the past and have gotten quite a few nice little checks from them for cashback on travel purchases and online shopping. Lately however I have been using Be Frugal as they generally tend to always offer a little more cashback at most stores than Ebates. I do have to say that I have not cashed out with them yet. They do offer a $10 bonus (message me for info) for signing up and they offer quite a few ways to cash out including gift cards that you can cash out when...Read More...
Last Reply By Leslie Kay · First Unread Post

Wedding Planning

Amber Hurd
Just out of curiosity, has anyone ever planned a cheap but decent wedding? No idea on a budget yet, but I do know that I'll have to be planning one probably next year. Wanting ideas before I look on Pinterest for other ideas. Thank you :)Read More...
@Amber Hurd and @Teresa Myers congrats to you both! My husband and I's goal when we got married was to not go into debt for one day. We set a budget and made sure every vendor we worked with fell into it. We gave our selves a little over a year to save and plan. I also DIY'd a lot. The biggest savers for us was finding a venue that included tables, chairs, some decor, and an entire weekend in the cost. We also made sure the caterer we went with could staff a bartender for us, rather than us...Read More...
I need advice too please! I'm going to be planning one in 2021! I'm 47 and never been married! So I want this to be very special for me and my soon to be husband! He's never been married either! We will definitely be on a budget so any ideas or suggestions will be greatly appreciated! Thanks so much!😘Have a great day!💯🌞❤️Read More...
Last Reply By Ashlee · First Unread Post

Traveling All 50 States On a Budget

Moore Income
Hi all! It's been quite a while since I have posted on here. While I still try checking in from time to time, my time on the internet has been limited. My wife and I have now been on the road for over 1 month. We are on a trip to visit all 50 States in the U.S.A. and to date we have been to 18 of them. (Driving 48 and flying to Alaska and Hawaii) Our goal is to finish 49 by December and then fly to Hawaii in early January to complete the trip. Many times we get the question, "How can you...Read More...
They do take taxes out of your pay. I love Philly, but would not want to live in the city. Surely, the suburbs would have less crime. That sounds like a fantastic idea--making knitted items and giving part of the funds to St. Jude. We have lost family members to cancer, too. My mom died from lung cancer. No, Mechanicsburg is not a suburb of Pittsburgh. Harrisburg is the capital of Pennsylvania. There are what we call the East Shore and the West Shore. The East Shore are the suburbs right in...Read More...
@BeckAtsila I lived in Decatur when I was in the second and third grades. I went to Lincoln Grade School both years and had Mrs. Zuttermeister in 2nd grade and Mrs. Harrington in third. Of course, as I've stated that was 50 years ago. I'm sure they're long gone and departed to be with the Lord. It was Mrs. Zuttermeister who discovered that I was dyslexic and had my parents get me a reading tutor. By the end of the year, I was actually reading on a college level! I'm thankful for her and for...Read More...
Last Reply By MsKimberly · First Unread Post

Vet Bill's and saving

Toni Mccall
You can save a ton of money in vet Bill's by going to your local feed store or Tractor Supply store. You can purchase deworming, flee control, and they usually have low cost vaccinations a couple of times a months.Read More...
Take an empty water bottle with cap on tightly placed into a tube sock. Tie a knot in sock so bottle doesn’t come out. Instant free dog toy!Read More...
Yes! I also purchase 40lbs of pine pellets ( usually for horse bedding) for $7. This is what we use for cat litter. I often add a bit of baking soda too. With or without that, the pine smells so much better, is way more economical + my cat digs it. 😁Read More...
Last Reply By Lori Dyer Rhoton · First Unread Post

Tossing 7.00 in trash bags a month!!

Annette Perez
I am single and only require 1 box of garbage bags, but I stand and look at the outrageous price KNOWING they are trash bound. Ha Ha! After owning horses all o=f my life I found the 50 lb feed bags to be sturdier, less, breaking and FREE! Go to a local stable and they will happily save them for you. get the plastic ones.Read More...
Great idea and a great way to make use of something that would otherwise be discarded without being put to second use. I don't live near any stables but my wife and I will reuse grocery bags as well as any spare boxes that are otherwise just getting sent to the dumpster.Read More...
Hi Annette, I have horses as well. I always use the feed bags at the barn but didn't even think to use the rest in my home garbage. You are brilliant. Thank you.Read More...
Last Reply By Moore Income · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday! Whew! Where has this week gone? Here’s your weekly round up of announcements to get you through today and into the weekend... We’ve crowned our November Member of the Month. Join me in congratulating Lisa Acu ñ a (@lismox) for being selected this month’s winner! We all appreciate your help around here, Lisa. Each month we look to crown a new winner. We’re looking for someone who is super helpful and active in the community. Each winner receives a $25 gift...Read More...

How To Save Money on Groceries

Six on a Budget
How do others save money when buying groceries? I have two ideas that have worked really well, among others: First: Ask what do we have to eat; not what are we in the mood to eat? That simple question saved us remarkably by making do and getting creative with what we already have in the house, rather than frequently running back to the grocery store for a "few more things". Next: Call your local grocery store and ask what time of day that store clearances meat, produce and bakery items. Shop...Read More...
Growing up using Aldi's, we had to use both frozen AND fresh fruits and veggies. With eight of us and friends to boot around all the time, we always had apples, oranges and other things around to eat after school. Of course, we had chips and the fried apple and cherry pies as well, but we were usually directed to the FRESH things first! Mom always made sure of that. We were also blessed in the fact that we had a friend who grew veggies in an acre leased lot close to our church who brought us...Read More...
I love Aldi!! I even found that you can use coupons on some of the name brand items that they have in the store. We save money with our family of 6, five gentleman and myself, by couponing as well. I buy fresh vegetables and fruit but sometimes purchase the frozen because they last longer in my house.Read More...
Last Reply By AverageJoe · First Unread Post

How to get a cheaper cell phone

I would appreciate suggestions on how to have a cheaper Smart Phone. Mine is costing me 100.00 or more a month. Only $13.00 of that is the monthly phone payment. Because of my location I am limited to US cellular or similar for Northeast Iowa.Read More...
I use A T & T for my iPhone which is paid off, and my mom gave me for free. It's a 6, but hey it's paid off! I pay $43 a month, taxes included, since I have a pre-paid plan. Before I was paying around $75-80 a month, which was just way too much money.Read More...
Tello-$9-$40. use your existing phone or pick up a refurbished new unit to save money. This new service is the cheapest that I have seen. Not sure of coverage areas.Read More...
Last Reply By lismox · First Unread Post

Prime discount for vets

Amazon has a Veteran's Day special going--$79 a year for Prime if you're a vet. Existing Prime members can apply. If you order from Amazon or shop at Whole Foods frequently this could be a good deal. Fun fact: The Army has more planes than the Air Force and more ships than the Navy. Hooah!Read More...
Fun Fact: Who would have ever expected that?Read More...
Last Reply By MsKimberly · First Unread Post

Happy November!

Ashlee
We’ve made it to the end of the week and the start of a new month Penny Hoarders! Who here can’t believe it’s already November? 😳 This week I want to know if you’re a planner or a procrastinator… Do you start planning and budgeting now for holiday purchases or wait until the last minute? What about your New Year’s resolutions? And now for this week’s announcements… We just hit a HUGE milestone Penny Hoarders… 10,000 community members! Join us in a celebratory happy dance, then go check out...Read More...

BROWSER EXTENSIONS

Debbie Carr Oliver
Can those browser extensions i.e. Chrome, Honey, Amazon Assistant, be downloaded to a smartphone or do they only work on a computer? I've tried using Honey on my phone and it didn't work & I couldn't find any info as to whether they were only designed to work on computers.Read More...
@Debbie Carr Olivier You are very welcome!Read More...
Thanks! Debbie Oliver On Sun, Nov 3, 2019, 9:02 AM The Penny Hoarder Community, < [email protected]> wrote:Read More...
Last Reply By MsKimberly · First Unread Post

Main drain clogged

Don Rotanz
Here is a money saving idea that has saved me hundreds of dollars. Main sewer line is clogged and plumber wants at lease $150 just to come out. Open up the cleanout or vent and slowly push the disc (which is attached to a handle) all the way to the bottom and pull up really fast. I have cleaned out 3 main drains within seconds using this. Good luck, DonRead More...
@Don Rotanz Anything that will help one to stop them from paying out money they need not pay to someone else is money they can invest in their retirement, their emergency fund or elsewhere. The Penny Hoarder Community is exactly what this is all about, so thanks!Read More...
Yes, I have used this approach many times. It's a great way to keep the drains clean. My neighbor uses vinegar and baking soda several times a week and at times I pipe cleaner. They're not always as effective as your method. So you've brought us a great idea. Thanks.Read More...
Last Reply By AverageJoe · First Unread Post

Acorns

Patti Weaver
I’ve been investing with Acorns for over a year now. It’s easy fun and takes the stress out of saving money as it’s done for you. Start saving for that rainy day.Read More...
The thing I like about Ibotta is that sometimes I get free stuff to try or almost free or even partly free that I wouldn't have tried. I don't buy a lot of name brand stuff but I cashed out $20 at a time multiple times. There are other apps that I don't care for. We each are entitled to our own opinions and Ibotta works for me!Read More...
13 investment apps is a lot to keep track of. Oh my gosh!Read More...
Last Reply By Dipat · First Unread Post
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