Save Money

What are you doing to prepare yourself for retirement? If you're reading along, what tips have you found helpful from “Napkin Finance?” I don’t know about you, but I wish I had a time machine to send me back about a decade so I could get an earlier start on saving for retirement. I struggled with money in my 20s and didn’t have enough financial savvy to truly grasp the importance of starting at a young age. “Napkin Finance” is one of those books that people of all ages should get their hands...Read More...

Is anyone doing the no spend challenge? I would like to challenge everyone in the month of January to a no spend challenge with me! I have never tried this and am curious how much money I can actually save in one month if I commit to this. Let’s hold each other accountable!! If you’ve done this before, please give me a little more insight on what you did and how much you saved. This should be interesting!! 😁Read More...

Hi all! I'm looking for a money buddy to motivate me to stick with my savings plan. Anyone have good websites or how to use this one to pair up with someone? Thanks! -KerryRead More...

What are your goals in saving money?Read More...

I just signed up for the Credit Karma Savings account that is new. I only have $10 a week being transferred in each Wednesday and I already have $30 saved that I completely forgot about. I have been a terrible saver over the years unless I am saving for a specific goal. Anyone else trying out this new account offering? Any comments or thoughts on the program? Thanks for your time.Read More...

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...

I remember reading about a company who provides green energy via solar or wind without the equipment for either. The Kwh price was very reasonable. If I remember correctly, about $0.017 Kwh. Can someone provide me a link to learn more about this money saving energy alternative? Thanks in advance, MikeRead More...

If you have been thinking for a long time that you want to have a savings reserve but you never get it, in the following lines you can find a list of tricks to save money and tips so that you can achieve it. 1. Be careful where you keep your money You may have been in your bank for many years and it is comfortable to continue there, but many banks charge very expensive and sometimes abusive fees and interest. Research and analyze other banks to see if there are better options for saving...Read More...

Anyone used Yotta Savings before? Saw them on a Youtube video and opened an account, but didn't feel comfortable enough to put in more than $500. Anyone know if they're legit? It's like playing the lottery in that you get a weekly ticket for every $25 deposited and the top prize if $10 million. It just feels like the prizes must come from existing deposits, though they say they're FDIC insured.Read More...

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...

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'm sure I'm somewhat overanalyzing this but bear with me! The concept of a sinking fund is to put in a little bit of money each month into a savings account in anticipation of an irregular expense in the future. If you have a $3,600 expense every year you would divide it by 12 and know that you need to save $300 each month so that you have the money ready when the expense happens. Obviously you'll have multiple expenses fall into this bucket (e.g. Car repairs/tires, clothing, gifts, home...Read More...

Hye tell me how to save moneyRead More...

My experience with Aspiration has not been what I expected after following advise using Penny Hoarder. Yes it's true about the free atms but the cash back is not true. They actually take a small amount of your money every 2-3 days $2.78 & $3.14 for example and it goes towards planting trees. I'm all about saving the planet and I've been reading the Penny Hoarders different blogs since 2014. I actually love it. But this bank be very careful. They will not allow you to close your account...Read More...

Does anybody have any experience with the Qapital app? Opinions on how it's working for you etc? Thanks.Read More...

How should I start saving the little I earnRead More...

Are you currently considering refinancing your home? Maybe you have heard how interest rates are a 5 year lows or that FHA refinance loans and their updated programs have become wildly popular. Lucky for you, both of those things are true making for an excellent refinance opportunity. And it is no more difficult to apply for an FHA Loan than it is for a Conventional Mortgage. Before you decide to refinance, you should know the basic requirements for FHA Mortgages. To be eligible for FHA...Read More...

Hello! I was on the hunt of budget friendly costume that won’t scare my wallet and I tried to find some online stores with reasonable prices and quality fabric. So I found five stores where I saw prices are low as compare to other stores. All these stores mentioned below are best stores for Halloween shopping. Halloween Costume Spirit Halloween World Costume Supercenter PureCostumes Party city If you want to make your Halloween more budgets friendly then you can use Halloween Coupons for...Read More...

instead of buying baggies for food storage you use the plastic bags that you get at the market to put fruit and vegetables.Read More...

While Prime Day can be a great way to save on something you've wanted for a while, it can also be really easy to buy stuff just because it's on "sale". Make a list of what you've wanted to buy, if it's on sale and within your budget, take advantage of it. However, if it's not, then don't buy it! https://youtu.be/2YhNaF_IWj0 Remember the best way to save money is to not spend it in the first place.Read More...

Hi everyone! I was just editing a piece of content about using direct deposit to boost your savings, and it caused me to wonder what tricks and mental hacks you all use to help you save money or cut back on spending. I have two that I use: 1. I hack my reward system. This is something I picked up from the Calm app (which I am obsessed with and use every day!) The idea is to make your brain's reward system to work for you by refocusing yourself on what will really bring you some lasting...Read More...

Best book- Idiots getting Rich-very basic, very clear. Best advice. Pay yourself first. Try to put away 10% of what you bring in- if you can't do that put $50.00 away every pay period. You would be amazed at how fast it grows. Forget it is there!!!!Read More...

Whenever I read articles like the one by Nicole Dow today about Affordable Academic Help, I’m always perplexed that public libraries are not included. I get that public libraries are different sizes and have different offerings and there’s not a single link to provide. But that shouldn’t stop The Penny Hoarder staff from recommending that people visit their local libraries website to see what’s available. Many libraries offer homework help, study guides, writing help, world language...Read More...

Debit card you can earn money usingRead More...

If you, like Madonna, are a material girl and find yourself having visceral reactions to a store-wide sale notification landing in your inbox, this one's for you. I love clothes. And jewelry. And shoes. And bags. I think a lot of guys and gals out there do. While I know I am not alone, and feel no shame surrounding my constant impulse to shop (or my "shopping is my cardio" tank top) there comes a time in every adult's life when other things start to garner more financial prudence over...Read More...

A few years back, I found a library book where the title, "How To Shop For Free" caught my eye. My initial reaction was "the lengths some people go to in order to sell books" but in my frugal world, free is not a four-letter word. What did I have to lose? “Wow… just Wow” would be a very good recap on the impact that Kathy Spencer'’s book had on me by the end of the 226-page quick read manuscript. I was so impressed that I immediately joined the www.howtoshopforfree.net web site that...Read More...