Hello All, I'm interested in getting a handle on my finances, so that I can have a good budget; pay off debt; save for emergencies; and be able to travel without putting it on a credit card and taking a long time to pay it off.
Becky O'berg I am behind on reading but you have a very adventurous life, some of which I'm sure you could have done without.You ever thought of writing a book about yourself? I haven't read the book, The Richest Man in Babylon, but will try to find it at the library this weekend. I need encouragement. Just had to have mold remediation in house and replace bathroom vanities. It has been an ordeal and cost way more than I realized so now I have that to pay off. But at least I have new...
Hi there. I'm Carol a former firefighter and nurse. I'm currently unable to work (that's a story in itself) and looking for anyway I can to save money and still live well. I'm married to a wonderful semi retired CDL instructor and enjoy cooking, canning, raising chickens, my 2 dogs and 4 cats and am an avid reader. I admit to spending more than I should on books and pet treats.
Hi fellow Penny Hoarders, My name is Claudia and I am close to" retiring", only to me it is not a retirement, it is a career change. Retiring is a term that needs updating because it is a change in life style and of course income. So at this point, what I need is a source of income that is interesting and creative that can generate a additional funds. My background is in the medical field and it will be wonderful to have a lower stress day to day plan. or no plan.I am a recent suscriber the...
Hi everyone My name is Chris and I am working to save money ....I use coupons and budget everything. We live in Massachusetts and need tips and tricks to save more .the biggest win this month Made our Last Car payment Aug 5 2019 !!!! Yayyy us
@Sister Hipster welcome to the community! @Carol Ann Hughes welcome! @redcatcec I like your definition of retirement Claudia! In this day and age, there are lots of great options for generating extra sources of income. I recommend finding something you enjoy and seeing if it can be turned into a profitable side gig. @CI1120 Welcome to the community. Lots of members have great ideas and tips for making money. Look forward to seeing you around! @Christine Chapin You are definitely in the right...
I am looking forward to lerning a lot from other Penny Hoarders-tips and tricks to hold onto money and spend it wisely. What needs to be done in my perception, is to find ways to make money from what I have in the house, stuff that is just there and not being used. An example that comes to mind is we have 1/2 paper grocery bag filled with pens, donation centers don't accept them. Any thought on who would want them?
KELLEYG, many of us face setbacks and financial crises' several times in our lifetime. It's not always an easy thing to cope with, especially when you also have to start cutting back on other expenses. One thing that most of us learn, though, is that these little setbacks (or large ones) help to make us better people in the area of finances. It forces us to learn what we can or cannot live without, and what IS or ISN'T a true necessity in our lives.
Hi, my name is Sarange from Kenya and I just signed up to join this amazing community. I am an Administrator with much interest in financial matters. My main goal is to learn and share new business ideas and how best to utilize the internet to become financially free. I depend on a monthly paycheck with unending loans to cover my increasing expenses. My biggest dream is to live a comfortable life
SARANGE welcome to the community. I look forward to your input and believe you will be a great addition here. I believe with a positive attitude and the position you already have, you will go far! Blessings.
Hello everyone still new went on a staycation and worked 2-14 hour and 1-9 hour shift and ended up in the hospital. I get paid out in December of sick time. Last year used it due to cancer surgery so never got a check. Want that check get $210 week from disability insurance I have myself. So ???? I think frugal living is in order still in hospital
Hello Admin Briana, thank you for the welcome and introduction. My name is John, a new member of the community.i'm in the process of paying off an academic loan and establishing a healthy financial status. Hope to achieve my dream through this site.
Hello, I'm new at Penny Hoarder and am surprised at all the many types of topics available on this site to either discuss for advice or assist with ideas. I am retired, am not yet eligible for SS, and I receive a modest retirement from where I worked for 32 years. We pretty much live on my husband's retirement and SS retirement income. In 2016 we refinanced our home and changed it from a 30-year loan to a 15-year loan. Big Mistake. My husband was working with another partner in a law firm...
@mrsjaxrbtr , welcome! Sounds like you have exciting opportunities and paths laid out. Your lightening fast typing skills must come in handy! I envy that. How long do you anticipate it will take you to complete your schooling?
@mrsjaxrbtr , welcome to the community. I can type fairly fast, but not as fast as that, at least not on my laptop. My laptop lags, so I have to keep stopping to wait and see that it has the right words and punctuation. Good luck with your schooling, and may you be able to finish quickly.
MRSJAXRBTR Good morning. If you find something you can earn money at typing I would love to know. I used to do medical transcription in a previous life and still am pretty fast at typing. Last test was around 104 minutes with 2 errors. I am like you just scared of getting taken for money and I have none to spare. Good luck on your endeavors.
Hello, My name is Jeanne from Michigan. I am debt-free, work 35 hours a week at a job I enjoy and am a year or two away from my retirement. Looking toward retirement I feel that my biggest challenge will be learning how to (should the need arise) rebuild my emergency fund or in general be able to build a savings account while living on a fixed income. Any/all suggestions are welcome!
Thank you. Honestly paying off my debt came with the loss of my mother. I received two checks as part of my inheritance and one of them was within a couple hundred dollars of the balance of my mortgage. I swear in my head I could hear my father's voice saying "Pay it off!"
@1cent , retirement is a scary thought for many these days. Many had major setbacks during "the Great Recession", my wife and I among them. One just has to keep setting some money back each week, even if just $5 at a time. Even spare change. I'm happy for anyone and everyone here who has the money to retire. Keep your head up, your mind sharp, and look for those opportunities to cut unnecessary expenditures. Keep spare change in a jar, coffee can or somewhere where it's "out of sight out of...
Thanks I had to use money to eat. No income coming in. Will be out of work this month. I keep trying to get different work from home jobs. No luck. Thank you though. I will get better and get debt paid get housing and the rest of my life will be good
@1cent hope your health is getting better and that you can find a work from home job to help you out. Debt is a health drag in itself. So hard not to let it worry you day and night. But you're in the right place so hang in there.
To stay out of unmanageable debt you need to spend less than your total net income. When life throws me a financial curve I get a second job, sell stuff, and cut expenses to the bone. Within a short period of time I am back on track. I have learned that I need to acknowledge the financial crisis sooner rather than later. It is a daily process. I hope this helps others. I am raising 7 children on a limited income. I have found a way to make it work for us.
@BONBON My wife and I know just how it is to cut things to the bone. We've had to do it many times, and we're trying to do it right now. Seems like life likes to throw all of us a curve ball at times when we feel things are going well, but we should always try to be prepared. Sometimes my wife and I are, and at other times we're not. We've been thrown a curveball by DirecTV this week by being told that we need to have upgraded equipment put into our home, but we don't have the televisions...
This may be a little late but check out Cambly which is ESL teaching right from home, no training, choose your hours. All done online. Pays each Monday via paypal. Pays by the minute, when you are online with a student. Every call is a different situation or country to talk with. Not a ton of money but can reach around $10 per hour. Some situations you are guaranteed paid if you get calls or not. Totally flexible hours and days. 10-21 cents per minute. Good support and technical assistance.
@Leslie Kay This sounds like something nearly everyone who can speak English could do to make some extra money, especially for the holidays or for a part-time subsidizing of their Social Security or disability incomes. Thank you.
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