Skip to main content

Tagged With "Do It Yourself"

Member

Brenda Person

Brenda Person
Member

Vertical Rent

Vertical Rent
Member

Marie Nojelos

Marie Nojelos
Reply

Re: Who taught you your most important money lesson and what was it?

Moore Income ·
Pay yourself first. This I learned from many books and successful people. It is a principal that truly works when you start applying it. There is a lot that could be said about it but the best book I have read on the subject would have to be The Richest Man in Babylon. You can find it on Amazon but if you want to save some money and get more books for less, I recommended Thrift Books.
Reply

Re: Hello new members!

Moore Income ·
Hi all! I am really enjoying being a part of this great community of people coming together to help each other navigate the huge topic of finances. My name is Jon Moore, I am 23 years old and I just got married in July 2018. My wife and I have a little bit of credit card debt to pay off (3 months is the goal) and then a car loan. I have recently been reading a lot of books about personal finances and learning principles such as paying yourself first, living below your means, investing in...
Reply

Re: How Do You Do Your Taxes? Yourself or Someone Else?

Lisa Eichinger ·
Sorry. @Moore income: turbo tax and H&R block are still good places to do taxes on your own cause they will walk you through everything online. It will generally be up to you if you want to pay to get them done and how much you are willing to pay. Credit Karma also offers free tax filing if you have an account with them. Even with the changes in your life in the past year, it won't make things too difficult in the tax aspect if you decide to do them online by yourself.
Reply

Re: How Do You Do Your Taxes? Yourself or Someone Else?

Moore Income ·
@Lisa Eichinger Thanks for the clarification. I was hoping that would be the case but wasn't sure.
Reply

Re: Who taught you your most important money lesson and what was it?

Sewspcl ·
My mother. She always said make a trash small. Save your pennies, pick up a penny. Water down everything to make more including soup, spaghetti sauces, gravies. We made and popcorn and VHS tapes to entertain ourselves. Always pay yourself 1st period try saving $50 a week by the end of the month you've got $200. If not weekly try bi-weekly. Don't throw out old clothes just cut them up and make a blanket or throw. Being thrifty doesn't mean being cheap. Because you always end up with more...
Reply

Re: Who taught you your most important money lesson and what was it?

Sewspcl ·
Pay yourself 1st then pay your bills and tithing. Is not ego it's economics. If you get sick because you're not eating could you can afford food but you going to church every week who are you helping? Let go of ego and pay yourself 1st. Then get back to others. Make sure the church that you are giving to does not squander your money on wines and fine china like my church did.
Reply

Re: The Community is Growing!

Moore Income ·
Just wanted to give a welcome shoutout to the NEWEST members who I currently see have joined the forum. @Sharon Leczel , @Lucy , @Marsha Vaughn @Jeia_Cheree , @Darrell , @Johneric , @Karen Smith , @Paranoid Mary Marvel @Peggy Downing , @TjBurns , @Erek Bierlein , @Carmen M Badeau @Carmen , @Baby D , @Torilanee Welcome to the community. Feel free to introduce yourself in the comments and tell us a little more about yourself!
Reply

Re: The Community is Growing!

Moore Income ·
I wish I could welcome every new member but more and more keep joining. It is exiting but hard to keep up. So I will just continue to welcome those members on the newest member section whenever I log on. Welcome to the community new members, feel free to introduce yourself here! I look forward to hearing your story! @DPlamondon , @ElizabethD , @ClockWork , @C.Christman , @Tammy Lange , @Mary Banks , @Teresa Fallen-Marcum , @MadNinja069 , @MsKim , @TNT , @Kellz , @Jeanel , @Judi , @Amyblaize1...
Reply

Re: The Community is Growing!

Moore Income ·
Welcome to all our newest members! You guys have helped us achieve the 2K Member Milestone so way to go! @Breezyhollywood D Hollywood | @David Fitzgerald | @Dylan Prince @DottieRose | @Lyonni | @Martini | @Kim O. @Jody Smith | @annaii | @Sharon Norberg | @Marquese king @Judy720 | @Rwebster | @Ashley13 | @Scoop Be sure to introduce yourself and invite all your friends so we can keep growing this community!
Reply

Re: Hello new members!

ThrifTchic ·
Hello everyone my name is Wendy I amI am so glad I found your community I have a little bit of knowledge with helping people pay off credit cards and their they're home mortgage early all by themselves anyone can do it It just takes discipline and you can do it for free so please don't get taken by any of these companies out here selling a a product you can all by yourself absolutely free. That being said I am looking for new & different ways to make money and save money I already refill...
Reply

Re: Hello new members!

Briana ·
Welcome, Wendy! We're so happy to have you as a member of our Community =) We've got tons of amazing members who are happy to help answer any questions you have -- and we can't wait to hear some of your pay off strategies! If there's anything at all you need or have questions about, don't hesitate to reach out.
Reply

Re: Hello new members!

Deon Christie ·
Hi @ThrifTchic and welcome to the community. The knowledge you have is all you need to generate an income online. I'm an affiliate marketer and blogger. And often turn knowledge into an online product like an eBook. Have you ever thought of turning your knowledge on credit card debt and paying off a mortgage fast into a digital product? I can help you do that and publish on Amazon at no cost.
Reply

Re: What are some good books to read?

Moore Income ·
For financial books, I have a couple that I recommend that I think everyone should read as a good foundation for finances. 1.) Rich Dad, Poor Dad by Robert Kiyosaki - this one goes into detail about how to think about your money correctly and the important of owning assets over liabilities. 2.) The Richest Man in Babylon by George Clason - this book talks about the importance of paying yourself first and shows you how it works These two books I think are fundamentals. I am sure that list...
Reply

Re: Which places you have traveled to did you enjoy most, and why?

Moore Income ·
@J Glenn Bryant thank you for your service! The military does offer a great opportunity to travel in some cases. It sounds like you have done pretty well for yourself financially and rewarding yourself by traveling is a great option! What were some of your favorite spots that you visited or some places on your bucket list?
Reply

Re: Resumes

Moore Income ·
@Mexpensive when I wrote my resume, I had very little experience as I was just entering the work-force. I used an online resume creator online and was able to make a pretty nice looking resume by including things like the online business experience I had. I didn't think it mattered much but by putting things like my experience on social media in there, I was able to eventually land a job as a digital marketing specialist which I have had for just over 3 years now. Resume writing services...
Reply

Re: Have you found a "Money Buddy" yet?

Bonnie Squires ·
FREEBIEPHARM you are the one that knows what motivates you. If given yourself a time frame or dead line would motivate you than I say set one. If you think it wont help you than don't set one. With me I like setting goals and keeping to them.
Comment

Re: If you could squash one of your bad financial habits today — without having to work hard at it — which one would you choose?

MsKimberly ·
You could do that. Give someone you trust a $20 bill. Tell them you get it back if you can spend one month following your grocery list. You can make a competition out of it. You are competing with yourself. The longer you do things like this, you more you will not even have to do it. It will become a habit.
Reply

Re: Hello new members!

Moore Income ·
Welcome @Kathy J Anderson I understand what it is like to try different things and be frustrated when they don't turn out. Sounds like you do have quite a few skills but are lacking some inspiration and encouragement. It sounds to me like you may be being a little hard on yourself in saying that your skills "are not good enough" I am positive your skills are worth something to someone, it just may take some time to figure out how. Would love to hear one of your poems! I would also like to...
Reply

Re: This week in... The Penny Hoarder Community!

Mathmommie ·
Okay, just signed up and I remember the email about the community mentioning a place to introduce yourself. Can anyone point me to that thread? Thanks!
Reply

Re: This week in... The Penny Hoarder Community!

Moore Income ·
@Ame3boys Here is a link to the forum thread posted by @mintjulep , you should be able to find the list there. @Joyhopp75 glad to see you are putting yourself out there, this is definitely a great place to do that. Keep up the good work with your finances!
Comment

Re: You heard someone on TV say student loans are “good debt” that pays for your education and usually carries low interest. Go or no-go?

AnnieB ·
I don't go with something just because someone said it's a good idea. Depends on the circumstances. Is the person looking to get a job in a higher marketable field? Student loans MIGHT be a good idea. Are they looking to get an education in a field that isn't hiring or hard to break into? Student loans MIGHT be a nightmare. Bottom line: you have to go into them with the idea that you'll need to find the money to repay them. They cannot be bankrupted here in the States. My first order of...
Reply

Re: If Money Was No Object, Where Would You Travel and Why?

Regeniu$ ·
Europe. All of it. I long to experience the beautiful churches and experience the sights, sounds... and the food. I have an exchange student/sister who lives in Switzerland. So Switzerland is a must! I would also go back to Poland—believe it or not—I had to go there for an international competition with my daughter. It is a beautiful country with friendly people. As a bonus, they love Americans. They have not forgotten. Visit Auschwitz and you’ll understand. A bit of advice: keep politics to...
Reply

Re: Using loans

Yvonne Hill ·
Run and run fast ....fees for everything ......don't do it !!! My friend did and they didn't do any better than what she could done for herself by just calling the company herself and working out a deal!!! Ask for certain terms .. negotiating the loan balance yourself bc let's face it they rather get some money than no money .....u ask for to pay 1/2 if the balance and no more interest occurring on the acct and u get it ......let us know how it goes when u call them
Reply

Re: Hello new members!

AverageJoe ·
Welcome, Michelle Sims.. Glad to have you here where others have either had the same experiences as yourself, or know how to take steps to help you make your goals. Glad to have you here. Chrissysid- I'm finding that your situation is becoming more and more common throughout the USA these days. Why? For the reasons you mentioned. Many agencies are so backed up that they just can't help as quickly as you need or want. But, there are other agencies that work through some non-profits which may...
Reply

Re: Hello new members!

charlottel ·
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...
Reply

Re: Living off $720 s month

LeighofMar ·
I'm so sorry for your struggles as that is definitely not a livable amount of money. I assume someone else pays rent/mortgage? You didnt mention a car so at least you don't have those expenses too. What about utilities? If someone else pays for your shelter, utilities and you have Medicaid, then your bases are covered. Then I would suggest also going to food banks so you can stretch your food dollars. They are a great help. In the winter you can see if you qualify for utility assistance. I...
Reply

Re: Hello new members!

AverageJoe ·
@Shari L Dilley It is a good thing your grandchild has a loving, caring grandmother such as yourself. I have to say that I agree with the previous poster, that if the parents of your grandchild are alive and able to help support this child, they should do so or be forced to do so by law. The truth is, this child is THEIR responsibility, not yours unless you have legally adopted it. It may seem harsh, but it's true. It has negatively affected you and your partner's financial well being. If...
Reply

Re: What are some good books to read?

DMB ·
Unless you wish to outright own the books, I'd do a search and then request what you are interested in from inter-library loan. Most libraries are a part of this system; just check. There is usually a form to fill out and it might take a few weeks but the books do come in with no cost to you. I've found that the time allowed is about the same as checking out a book from the local library (about two weeks). Plenty of time to make notes. The only exception is that you cannot request a book...
Reply

Re: job search/resume/cover letter

KellyFromKeene ·
I'm no expert, but I always encourage people to use cover letters and I use them myself. It gives you a chance to make it personal and specific to the position, agency, yourself.
Reply

Re: Credit cards

KellyFromKeene ·
If you are trying to increase your Credit Score, then don't close the accounts! I learned this the hard way Keep them open UNLESS having them is too much of a temptation and you will get yourself deep in debt with them. You can cut them up while keeping the accounts open.
Reply

Re: Credit cards

Susan L. Miller ·
Hi Kelly- Thanks for your comment-actually the opposite. My score is very high, I don't plan to make any big purchases like a home or car, and I want to have less chance for the bad guys to steal my info! I saw a report that said dark web will sell thousands of identifying info for $50!
Reply

Re: Money

redcatcec ·
Are you talking about money or yourself?
Reply

Re: This week’s Community Announcements 12.20

MsKimberly ·
I have found that my favorite gifts to give are to the people who love sentimental gifts. Being creative, it is pretty easy to come up with gift ideas that are sentimental.
Reply

Re: January No Spend Challenge

AnnMarie L. ·
Eber, what a great plan! You’ve really thought this through. I’ve never done a whole month so no expert, but have read other people’s stories on the Penny Hoarder and elsewhere. A no-spend challenge can be whatever you want it to be—trying not to spend ANY money or cutting back on extras, like Starbucks, fast food, or whatever you find yourself spending too much on. For me, it will be separating what I WANT to buy from what I really need and breaking the cycle of mindless consumerism. Back...
Reply

Re: January No Spend Challenge

redcatcec ·
There is a email you can get called Yummly, yes, that is how you spell it. It has loads of recipes and all kinds of variations on them...all for free. Plus you get to rate the recipes, if you want to. To help conserve food, when my onions and garlic start growing inside the house, I take them and plant them. The garlic in the winter grows well in cool temperatures and the flavor of the tops is more light and delicate when cooked-called green garlic, the bulbs are small, but usable. Like many...
Reply

Re: January No Spend Challenge

redcatcec ·
Positive reinforcement, you'll have to figure out a way to give it to yourself, there are different techniques that people have. One lady says she does the really important tasks at work first rather than procrastinating and rushing to get them done, after doing them, she rewards herself with some freed up time at the end of the day as a reward. What a relaxer! It is the earning that makes us feel valuable, if you did not have to work for it, it has less meaning.
Reply

Re: I am a well versed matchmaker but also a Relationship & Life Coach

Mr. Demario ·
Good afternoon Deborah, Thanks for reaching out, as this is very common once a relationship ends. It can also lead to additional abuse similar to what you’ve already experienced, as well as lead to more violent outbursts that you may have never seen him capable of doing in the past. As one, or both parties get to actually see how deep and meaningful the relationship impacted the functionality of their everyday life. Some may find it scary in a sense to live a life without the aspects the...
Reply

Re: Inheritance

Gretchen Mann ·
I'm so sorry that these times are so difficult for you and your husband. I have some suggestions. Your credit card debit probably has the highest interest rate. I would pay this first and pay it off entirely. Your home mortgage will qualify tax deductions, so this is the last loan to pay off. The emergency fund is also very important to do at this time. Six to twelve months of emergency funds in a liquid vehicle would be appropriate. In view of this, you might want to beef up your emergency...
Reply

Re: This week’s Community Announcements 2.7.20

Marie Nero Black Plumb ·
I cut out delivery of newpapers, magazines and soda pop, also I don't smoke so cigarette money is saved. If you take medications ask pharmacy if you can get straight from the manufacture company. Or call them yourself. Also stop going to the store for a few items. Do a good grocery shopping once a month or every two weeks, buy in bulk and freeze, also watch movies on TV rather than go to the theatre or go to the library where they are free. Go to senior centers they also are free for...
Reply

Re: How do you deal with mooching family members and friends?

redcatcec ·
Hi Mint Julep, Many thanks for the link to an informative article, lots of good information I would never have thought of. Sometimes we make the worst decisions of our lives based on the request of others-meaning family, friends, and others. Seniors can be very gullible especially when it comes to family and deals that sound too good to be true, with dreams of repayment. A good source of information is available at senior centers, they have presentations on how scammers work and how to...
Reply

Re: I'm really annoyed with family/friends entitlement.

Kathryn McDonough ·
I would take atleast a short "vacation" away from these mooching folks. You worked & saved but for yourself & your family. There is a neighbor who has regularly been stealing from me for over 4 months now...to the tune of ~800 dollars. I believe she thinks she's entitled to steal from me, can you imagine?? She has a question- able, sketchy past & skipped out on creditors. Now she is harassing me big time and I've taken concrete steps to remove her from my sphere. So I can relate...
Reply

Re: Financial Fitness February: Day 11

Moore Income ·
@mintjulep That is so awesome to hear! Investing in someone else's financial future is even more rewarding than doing it for yourself! And yes... coffee is always tempting but it can really hurt the wallet if we aren't careful!
Reply

Re: Hello new members!

Choose$freedom! ·
Hi everyone! My name is Deb and I live in the northeast. I am a retired Reg, Nurse whose entire career (almost 30 yrs)was working in gerontology starting at the age of 14! I have always enjoyed working and learning from generations past as their grit and ingenuity, along with the determination they showed that pulled this country through some extremely difficult times, just like now. As a nurse, I + my many co-workers found themselves in situations that we HAD to come up with OUR own...
Reply

Re: Help - overwhelmed by bills

Jenny Waldensi ·
Hi Cathy, We've hit "rock bottom" at one time or another. This is an extra hard time with the coronavirus going on, but I believe there are people out there that still want to help. I will list several ideas. If one doesn't work, please consider the next. I pray you'll find help and direction as you need it. Sincerely, Jenny Waldensi 1. Start with those closest to you. Family, friends, associates from work, ministers, etc. People you can trust with your embarrassing situation, and will...
Reply

Re: Stimulus Check

Leslie Kay ·
There will be a Treasury website that will allow you to register yourself hopefully by the end of April and those checks are an eta of September. I do not think that you can get the stimulus for your grandchildren unless you file a 2019/2020 tax return and claim them as dependants. Which is free and should be done immediately. If you choose that route. If you are depending on the registry to get your check you will not get paid for dependents. This info is a compilation of articles I have...
Reply

Re: Long term effects of Covid-19

Savingsmama ·
There will definitely be a lot of changes in the world when this is over. Many people will lose their homes and some businesses will probably not reopen. The stimulus checks will probably not help some people very much since rents in many places are $1000.00 and up. As for people overeating, I know it is hard. Keeping busy helps keep the boredom at bay for a while. Try having a glass of water or cup of tea instead of a snack. Clean out closets and drawers, mend things that you have put off,...
 
×
×
×
×