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Dear Penny
Hey, friends! I hope you’re all staying safe and healthy during these trying times. This week, I’d like to invite you to submit your questions about what coronavirus means for your money here in The Penny Hoarder community group. It’s a scary time we’re facing right now, but we’re all in this together. Send your questions my way and I’ll do my best to answer.Read More...

Topics

Looking For Cell Phone Plans

FOTWW
I am currently looking for cell phone plans options. To begin with, I currently have a cell phone, (not a smart phone). I have it for while I am driving, for emergencies or if something comes up and I need to make a call. I am the type of person who does not like phones or texting and only have them for emergencies. The cell doesn't work at home, so the bare minimum landline is still needed. I currently have ATT Pay as You Go and it is $100/year, (10¢/minute). With my not using the phone...Read More...
I'm looking at Mint mobile as a few youtube videos which explained that you can get for $15 a month with 1gb data...and if you do 3, 6 or 12 month, the cost is even less..... I have not looked at service area yet.... that may be deal breaker....Read More...
Check out Visible - unlimited everything for only $40/month and operates on the Verizon network!Read More...
Last Reply By Shannon H · First Unread Post

Baking bread

Colleen Sikosek
I'm in Hornell, NY in the Southern Tier. My husband and I are making our own bread as usual, which I think is pretty easy even if you don't have yeast. Google sourdough bread starter and you're on your way. We're fortunate that he's able to work remotely. I got onto the Wufoo site and sent a template to our local small business collaborative group so anyone can purchase a gift card on line. We live in a rural agricultural community and hope this will help.Read More...
Is there one recipe that you prefer? I've been trying a few to see which we like best as I'd like to skip the grocery for several weeks if possible. Milk and bread seem to be what keeps us going out of house.... I fixed milk issue as I froze some! Now just need to find bread I can make that we both like.Read More...
I am sure you have a lot to do with the good in him.Read More...
Last Reply By Shannon H · First Unread Post

BEING THRIFTY DOESN'T MEAN CHEAP STUFF

lori wulff
I am always being THRIFTY no matter what. I look for a deal on anything that costs $$. Allot of people think shopping at thrift stores, clearance racks, and being at Walmart for instance is always getting cheap *** stuff. For example of my thrifty self 😀, I like name brand products. Toilet paper like Scotts 1000 sheet rolls is a great value and can be cheap on the wallet. Every 2 weeks or so CVS puts Scotts products on sale. You can get 12/ 1000 sheet rolls for $7.49 verses $15+. That's one...Read More...
Here is New England, spring and summer saturdays are definately for yard saling, but during the year my go to is Kohls, great sales, cash back and coupons. My boyfriend always jokes that even if we ever hit the lottery i'll still look for discounts when i buy items.Read More...
Totally relate about garage sales, which are an Olympic event in Indiana. And thrift stores are good, too. One thing that I like to do is shop for video games on GOG.com--it's got a great game selection and a money-back guarantee. This is embarrassing to admit, but I've bought more than 100 games from the site, most while they were on sale. And no, I haven't played them all. I only play a handful at a time. It gives me something to do during quarantine!Read More...
Last Reply By LauraD · First Unread Post

Saving on vegetarian food

What is the cheapest vegetarian food item you can buy in the grocery store?Read More...
Hi Penny! Who would ever think you could do such things with chickpeas juice? I love it. I am making falafel which calls for chickpeas, and I have some hummus on hand. Thank you very much. I am inspired.Read More...
Hi Kimberly! It looks like it was published, so it may have been marked in error. Sorry about that. In terms of cheapest vegetarian food. Hmm. I'm thinking back to my vegetarian days... I always found canned chickpeas to be pretty inexpensive and you can use it to make so many different kinds of meals too. I watched this Youtube video this past weekend, which really inspired me to think of ways I could use the chickpeas I have.Read More...
Last Reply By MsKimberly · First Unread Post

Saving at the Grocery Store

Rosemary McKinley
I am a firm believer in eating well and saving money. These are not mutually exclusive. I buy vegetables at the near-expired section in the produce department and cook them the same day in vegetable soup. Carrots, broccoli, kale, cauliflower, and red peppers all taste delicious in soups. I use an immersive blender with a potato for thickness. This serves as my lunch almost every day. A great way to add vegetables to my diet and save money, too.Read More...
Great ideas for saving! We go to Save a lot stores but there is no Aldi's near us and since March 1 we have to bring our own bags to any store. They passed a law in NY that stores can't give out plastic bags and if you want a paper bag, they charge 5 cents each. Right now we are avoiding going to any stores unless we need something. Being senior citizens makes us more at risk for coronavirus. The local stores have special hours for us and I'm probably going to take advantage this week to get...Read More...
Yes!!! Keep savingRead More...
Last Reply By Savingsmama · First Unread Post

Energy saving -- via Arcadia Power or any other similar service?

Theodora
Has anyone had any experience with Arcadia or any other clean energy service? Looking for your savvy tips, Penny Hoarders!Read More...
Good to see the replies. This company sent me an email about converting over and I was hesitant. The organization is offering a free google mini.Read More...
I endorse Arcadia Power 100%!Read More...
Last Reply By Leon · First Unread Post

Emergency fund

Bena Elloheem
I have found the best way to save a little cash is to impose a 10% sales tax on yourself or every time you buy something with cash put your 1dollar bills away. Not spending the ones adds up rather fastRead More...
Olivia, Can you tell more about the cash back rewards on your credit card?Read More...
Think like a squirrel. Put all the bits and pieces into good places. All grocery shopping, eating out, and gas is paid with cash. So leftover change goes into a jar. This is earmarked for irregular giving. (We plan our yearly giving in December, but sometimes a good cause pops up, or an unexpected occasion.) Leftover gas and eating out dollars go into an envelope towards vacation "blow" money. All extra grocery cash is set aside for the garden expenses or charitable giving as well. All cash...Read More...
Last Reply By redcatcec · First Unread Post

Off the road and home

Shannon H
I've been working away from home for a little over 12 weeks....hotel living was somewhat nice as someone else did the cleaning. I was home for Christmas and weekends but really didn't have much home life...finding my routine again has become a struggle.... I spent too much on frozen foods or convenience snacks for hubby which has not been great for budget or saving money...... Trying to get back into my weekly meal planning and seem stuck in food rut... make chili on Saturday and have plans...Read More...
Good way to stay on a budget, and keep your body fit if you don't overload on carbs.Read More...
Chicken, rice, and beans...which is great on the budget! Inexpensive and easy. My husband mixes up the flavoring by adding green olives.Read More...
Last Reply By AverageJoe · First Unread Post

How I save money on pest control

Elon Must Save
Pest control can be so expensive. I have seen prices from $99 to $130 for quarterly treatments. Bugs are annoying but that is a high cost to get rid of them. I recently found and started using a more affordable option. The company is called pestie.com and it's so much more affordable and so far its worked great. Hope this helps!Read More...
FYI Pestie.com started its sale today.Read More...
I wanted to mention that got a notification that the spring sale started with that 20% off. Good luck!Read More...
Last Reply By Elon Must Save · First Unread Post

Maybe Obvious, Maybe Not

Jenny Waldensi
I haven't seen this addressed, so maybe when you read this you'll think "No brainer," or maybe you'll think "Ah! Another way to save money!" At that, I'll take the risk and pass it on. Here in Missouri, the State offers 2 nature magazines free of charge for any MO resident. (There is a fee for those out of state.) Missouri Conservationist (adult readers) and Xplor Adventures in Nature (for children) are colorful, glossy magazines that inform and entertain. They are great for Home-School...Read More...
@KellyFromKeene LOL!! I can't think of much better to do to start the day , love saving money!Read More...
Thanks for your support, MINTJULEP and KELLYFROMKEENE! I hope they help you. It's so fun to share good news with others, isn't it?! Have a blessed day!Read More...
Last Reply By mintjulep · First Unread Post

Financial Fitness February: Day 2

Moore Income
It's day 2 of my Financial Fitness February challenge so here are the things that took place that had an impact on my finances: 1.) Returned an item I really didn't need on Amazon - I had purchased a Bluetooth speaker, and although it was nice, I realized I really didn't need it and I can make better use of the money. Since it was still within the return period, I went ahead and sent it back to Amazon. That put $32.24 back in my pocket. Also, since I chose to drop it off at Kohl's which was...Read More...
People need to be aware of what their medical benefits are and make sure they are not blindly paying every medical bill that hits their mail box. @Moore Income Thanks Jon, for the reminder to return items that are sub-par or if that is not possible, to at least email the company to let them know exactly what happened. Be prepared to give them the UPC code, the store and date where you bought the item. You will usually get a coupon for a free product. I have only done this when there was an...Read More...
@dboothe We've gone up against a Medicare denial for a miscode by the Dr office. It happens way too often.Read More...
Last Reply By dboothe · First Unread Post

try this

Wayne Jandula
Buy what you need not what you want. Once a month treat yourself. 99ct store works great. Secondly......learn to say NO. Borrow me 20.......NO. Can i borrow your car........NO. Can you help me with this..............NO. Can i borrow your lawn mower.....NO etc. Try it for a month. You will see how much easier your life becomes. It's not that hard. If people get upset with your new life style it doesn't say much about them.Read More...
@Jenny Waldensi Love this, Jenny. I truly think this may be the secret of life!Read More...
Don't love money - love people. When you have enough clothes to look clean, pleasant, and appropriate [even when you need to do laundry], its time to stop buying clothes. Practice: Gratitude. A thankful heart. Contentment. These things are in the Bible, but not practiced by many. Go back to #1: Don't love money - love people. There are massive amounts of people who need our help. Instead of treating yourself, treat them. Instead of going out for a fancy meal, set the table nice, put a meal...Read More...
Last Reply By mintjulep · First Unread Post

Help me out here. Theater or no theater?

Elice Max
I have gotten pretty good at saving money. It’s a long shot but I am trying to save for my eldest son’s college. But there is a once-in-a-lifetime show happening in a theatre near to where I live. Its Edith Nesbit’s Railway Children , something that both my kids and I would love to see. Although I’m pretty sure that I can make up for the money I would spend here (more freelance work for me), a part of me is worried that this would open the floodgates and I wouldn’t stop spending afterward.Read More...
Elise, I don't mean to cause stress if that is not your issue. I was having a particular struggle at that time. Sugar is my drug of choice and I was CRAVING like crazy because I didn't refuse a free cookie. Lesson learned. A free cookie is not a wasted opportunity but avoiding a catastrophe for me.Read More...
Hey kiddo how many times have we spent money on things that were not very satisfying. You say ONCE IN A LIFETIME OPPORTUNITY. Go for it . Devise a plan to pay for it. Your smart you know how to do this. Regrets should not be in your vocabulary. Don't let this be one.........Mr WayneRead More...
Last Reply By dboothe · First Unread Post

Buying Generic Over Name Brand

Nicole D.
Who here opts for generic or store-brand products over brand-name items to save money? I know I do. Sometimes the savings are minor, like 20 cents off a can of beans, but other times, I can save over a dollar on an item by not going with the brand-name version. Of course, there are some products I'm picky about, like my moisturizing cream. I buy the Cetaphil brand because I feel like it's the best quality for my skin, even though the store-brand version is always cheaper. What things do you...Read More...
It depends. I try out everything, and land on the item with the best quality at a good price point. We were Skippy PB folk, but it rarely went on sale, so we shopped around and found a couple decent store brands. We found this excellent jam made in Egypt with real sugar for $1 a jar. I tried different dish detergents and found Dawn works the best with our water, so stock up when it's on sale. Unless we get a better deal we go with Malt O Meal cereals. So buying generic or name brand varies...Read More...
I almost always buy generic unless there is a better buy in a name brand. The name brand purchases happen often at the grocery stores with Buy One Get One Free weekly offers, so I get the better buy, which ever that would be at that time. Medicine, always generic, when available. We do shop Aldis for some things but give a thumbs down to their canned pork and beans. There is more sauce, less beans; and the last case we bought didn't have the tomato sauce base, it was some type of colorless...Read More...
Last Reply By Olivia · First Unread Post

Cable TV, Internet & selling wardrobe.

Jobelle Collie
I’m looking through my budget for things I can cut out. I have a major event in December, 2020. I need to keep internet service because of house alarms, laptops and devices. I bought a ROKU device and I find I only watch my Hulu, Netflix and Youtube. I know where to find news and critical weather news online or on my ipad or iPhone. $160/mo is what I’m paying now. Can I get internet and a tiny TV package cheaper? This sounds obvious, but I’m I dizzy blonde. lol I’m also stopping my YMCA at...Read More...
You have great ideas with cutting down on expenses, and how wonderful that your family is helping you sell unneeded items.Read More...
Sounds like a lot going on. As far as internet goes, if you go online to cordcutters.com or cord cutters news. You can find all kinds of info. They're on YouTube also. Good luck.Read More...
Last Reply By PiNaY · First Unread Post

AMAZON PRIME Everyone can get it

lori wulff
Hello fellow Penny Hoarders 😀 I have found out some great news. Amazon Prime membership is available for people on a small budget also. If you receive Snap benefits "aka" food stamps you can qualify for a big discount toward membership. Low income folks can pay as little as $5-6 per month for a prime membership. Hope this information helps someone out there.Read More...
THANKSRead More...
How do you apply?Read More...
Last Reply By Winston Dunbar · First Unread Post

free flowers for Valentine's Day 2020

Madiha Jamal
Where do you get free flowers, a rose, snacks, or chocolate on Valentine's Day? I know there are some people who celebrate this day wholeheartedly by giving away free stuff.Read More...
Thank you for the information, @Madiha Jamal !Read More...
Well I'm interested! Valentines Day for free, I'm in! It's not free, but I did find a bright bouquet of dried flowers to give to my wife for Valentine's Day. At least they will last much longer, which felt like a financial win for me.Read More...
Last Reply By KellyFromKeene · First Unread Post

car warranty

Van Jalaber
Is a car warranty worth purchasing? Cost $3500 for 24,000 miles. Used car 2017 Kia Serento,70,000 miles.Read More...
You have to weigh the odds of whether or not you think you're going to need more than $3500 worth of work on your car within the next 24k miles. A 2017 is almost new, I can't imagine too much going wrong with it if you keep up the maintenance. To me (and this is me), I would rather put $3500 in an account and keep it in case something does happen, if it doesn't then you still have $3500. However, one thing about me is that I've never spent more than $2k on a car, so if I had $3500, and...Read More...
Last Reply By JeremyM · First Unread Post
As a senior citizen, I been through the gadget-buying stage of life many years ago and now just appreciate sticking to the basics to accomplish most jobs. The gadgets are stuck in a closet or long-ago donated. That said, I've got some gadgets that do pay for themselves (in either time or money or both) and I'm very happy with: 1.food saver vacuum system 2. slow cooker 3.food dehydrator 4. computer 5. pressure washer Would you share some of your gadgets that you feel save you time or money...Read More...
The crockpot, absolutely, is the best.Read More...
ninja - make fruit smoothies which eliminates want to buy ice cream. Sadly, it's motor is dying/died. I'm hoping newer food processor is just as good at making smoothies but I'm missing the individual size container.Read More...
Last Reply By sthom · First Unread Post

Cheap Valentine's Day date

Another way to save money on Valentine's Day (or any other holiday) is to use your public library and borrow DVD's or music CD's. They won't cost you a penny!Read More...
The library is a great resource for everyone. They have events and programs for all ages and usually they are free or low cost.Read More...
I love to visit the public library and read books, magazines and newspapers! I also browse the internet. The library can be quite a relaxing place.Read More...
Last Reply By Savingsmama · First Unread Post

$4000 trip to Hawaii for $1500

Elon Must Save
Ok, everyone, I know the subject line might sound unrealistic but it's true. Also just a heads up this might not work for everyone but it did for me and my wife. October of 2018 we went on a trip to Maui Hawaii for $1500 total for 2 people. Here is how we did it. The Flights I saved up airline vouches by taking the later flight. I used to work for a company that had to fly me around twice a year. I needed to be at my office the next morning but they would always put me on the 5:00 pm flights...Read More...
@Elon Must Save Thanks so much for sharing this, Elon! Very impressed with your strategy!Read More...
Wow, incredible deal! Great findRead More...
Last Reply By Theodora · First Unread Post

My Money Saving Gadget

Frustration with the price of a new Verizon Smart Phone to replace my old faltering phone led me back to TracFone, the provider of my old emergency flip phone. TracFone was running a special on a Samsung Crow J7 with a larger screen then my previous phone for less then $100.00! This beats the $1000.00 and up I was quoted by Verizon. TracFone also beat the $150.00/monthly bill that would have gone to $200.00/month with a new phone purchase via Verizon. Credit on the new phone was also given...Read More...

Financial Fitness February: Day 4 (And a Money Saving Tip)

Moore Income
Day 4 of February wasn't too crazy for me, here's what went down financially: 1.) More "Investments" In Items to Resell - I am trying to make a point to get around to all the major retailers in my area since getting back to Fargo. I am trying to get a good amount of inventory as I work towards making reselling my biggest source of income in 2020. Now is actually a great time to be doing this I have found as most stores are running winter clearance trying to get rid of all the left over...Read More...
My husband is too, so HE never gets a "free lunch". LOLRead More...
@dboothe I love it when I go to a restaurant that serves enough for me to have an extra meal! But I'm kind of a big eater so those restaurants are harder to find for meRead More...
Last Reply By dboothe · First Unread Post

Extreme Couponing Tips to Add More Money Into Your Wallet

Madiha Jamal
We should cut back on our spending habits as the world's economy is increasing at a fast pace. If we don't save today, then we can't build a financially stable future. And saving means creating a strict budget and spending the bare minimum strategically until your debts are satisfied. One excellent way to maximize savings is to follow the tradition of using coupons while shopping. Coupons are one of the most authentic money savers that warrant savings. But how can you use them strategically...Read More...
MADIHA JAMAL, Thanks for the information and the link.Read More...
You guys are really very budget-savvy. You know how to spend smartly rather than just making an investment. You are actually making the most out of your hard earned money.Read More...
Last Reply By dboothe · First Unread Post

Living off a paycheck after paycheck

I personally don't have a bank account and I'm living off a pay check after pay check. I want to be able to save for my kids need or need a second job..Read More...
I keep an expense journal. If you see it in writing you are aware of how each penny is being spent. I write a budget for known expenses. When you post the known expenses like electricity always lists you for a certain amount to put back for savings. Avoid late fees and try to pay each credit card off each month.Read More...
Hello! You don't really say exactly what you need advice or help on, assuming that is what you are asking. Are you looking for ways to save money, earn extra income, a combination of both? There are a lot of great resources here and a lot of knowledgeable people here in the community. There are also alternatives to checking accounts, including numerous prepaid debit cards with little or no fees that you can direct deposit into. Good luck!Read More...
Last Reply By carolyn coleman · First Unread Post
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