Save Money

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...

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...

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...

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...

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...

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...

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...

My credit union doesn't charge as long as the change is deposited.Read More...

@lismox The bank I use does not charge anything for change exchange.Read More...

From Where dear??? I would suggest to you India Tour. I hope you feel better and you can enjoy the trip.Read More...

Try: Cheaptickets, Skyscanner, Cheapflights and Jetsetter websites....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...

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...

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...

@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...

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...

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...

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...

Not a problem, @Lesley Michele .Read More...

Thanks Average Joe😁😁😁😁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...

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...

Fun Fact: Who would have ever expected that?Read More...

@Susan L. Miller We have used Freecycle off and on for years. We got the foot and headboards for our queen-sized bed through the program. We have seen many items we no longer use go to other homes that would use them and recommend it heartily! We have also used our "Marketplace" here in our area on Facebook to buy and sell things. There are so many ways to go and programs to use! Happy selling...and as one of our mentors says "Think..and grow RICH!"Read More...

I'm not sure how many were here when I joined the Penny Hoarder Community, but I do know that it seems as if we've grown by leaps and bounds. I've met some interesting people and like having information and ideas coming in! May we continue to grow in numbers as well as in wealth.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...

@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...

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...

I love the idea of the moonjar for my grandchildren, but feel it's a little pricey for what you are actually getting (according to the pictures on the internet). I think I will go the extra mile and make them something according to their interests. Hopefully, I will be saving as I am teaching them to save and it will have that personal touch.Read More...

I love this, it's called a Moonjar, and it's available from Amazon.com: Moonjar I gave this to my niece. It has slots for spend, share and give. It's cute and I highly recommend it.Read More...