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Tagged With "cash back"

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Re: Side Hustles

Men On A Budget ·
My "side gigs" started when I was in sixth grade (age 12) and I haven't stopped even in my retirement. I was working five or six side hustles through my junior high and high school years... yup, back in the 1970s! You've surely heard of teen millionaires, right? Well, I was NOT one of them. I was, however, able to support private art lessons and supplies in the following ways: Selling unimprinted calendars in the Fall / Winter with overstock from neighbors who ran a printing press in their...
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Re: Side Hustles

Brian Winch ·
I started a side gig back in the day when it was referred to as "moonlighting" in 1981 and grew it into a profitable full-time business that I continue to operate. I clean up litter outside commercial properties on foot using simple hand tools. It's almost as easy to do as going for a daily walk! My latest side hustle is my book, Cleanlots, that shares my experience with others wanting to do the same.
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Re: What are some really effective ways to boost a credit score?

Adam ·
If you're just establishing credit, a secured credit card might be good. They usually make you pay a deposit to start the card, then after a certain amount of successful payments, they give you the deposit back plus interest and you graduate to a way better credit card with a better APR.
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Re: Giving up cable -- what's the best replacement option?

Khiemosabi ·
I cut cable out about 5 - 6 years ago and never looked back. My favorite service is Netflix and with its current run of original content, it provides a ton of entertainment for roughly $11 a month. In addition, I share a spotify account with my girlfriend and because she's a student, we get access to Hulu. That is $5 a month. Lastly, I rounded my it all out with amazon prime video, which is $119 a year or $10 a month. My total entertainment cost is $26 a month which is far below any cable...
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Re: Buying your first home? Here's what you should know.

Bonnie Squires ·
Thanks this was good info. I've finally found some one I can trust and buying my home from its small but i like it and allot cheaper than my other place. I wont be in my 80's and still paying off a home but i'll be in my 60's. I'm going to put some extra money down on the home when i get my taxes back.
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Re: Budgeting for 2019!

Nicole ·
We live on a strict budget but do use the credit cards for everything to get the cash back bonus each December. I have had to create a new budget column (Last August) for hospital parking for when we can't get the free parking on the street. I make a grocery list each month to do our big monthly shop & stick to the dollar amount, there are no extras, milk & produce is bought weekly after that with the remainder. The credit card is paid off in full each month. With the credit cards...
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Re: Who taught you your most important money lesson and what was it?

Moore Income ·
Good question. I personally view tithing as giving back a portion to God in thankfulness for what He has given me. Therefore I would apply the principle of paying myself first after tithe. For those of us who do this, it means we have to learn to live off of only 80% of what we earn instead of 90% but I think it is a good way to learn to live below our means. And if you practice the principle of tithing first, you can trust God's promises in His Word to take care of those who holds Him in ...
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Re: Hello new members!

AverageJoe ·
Moore Income, glad you're starting early. We did, and we kept on for a couple of years. Then family emergencies, moving, long distance trips that had to be made, ate up everything. We also worked for some businesses that didn't quite make the grade in honesty and integrity and lost our shirts. Stock prices went down and they kept investing our 401K's in these stocks and before we could move them, they were practically non-existent. Live and learn. We're near the retirement age now and...
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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.
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Re: How Do You Do Your Taxes? Yourself or Someone Else?

Jeff ·
I have used H&R Block to do them myself for over a decade, after experiencing the additional fees with Turbo Tax that you mentioned, makes it accurate. Before those programs, I used a CPA for my businesses and he plugged in the numbers and charged a fee, was disappointed with what I got back and double-checked everything. They don't always ask questions as to why you did something and/or how you used it, which cost me a ton of time to redo my tam and get quite a bit back. (Ex: I bought...
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Re: Problems smell money

Moore Income ·
I totally feel ya! It does seem like when you are getting to a good place financially, something comes up and sets you back. I personally have started implementing the "Pay Yourself First" principle, which I learned a lot about in the book "The Richest Man In Bablyon" Somewhere else I read that this amount (typically starting with 10%) that you pay yourself is supposed to be completely separate from even your emergency fund etc. I can see how this might be difficult and require some...
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Re: Hello new members!

Ladyboss414 ·
Hi everyone...my name is Stephanie, single mom from milwaukee Wisconsin trying to get out of debt, stop living pay check to paycheck, go back to school for IT (not sure exactly which specifically but I am a total tech nerd) or find a new career making more money than I do as a hairstylist. (Which now I’m in debt $20k after going to school for 1 1/2 years)
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Re: Can Budgeting Come with Baggage?

Moore Income ·
You hit the nail on the coffin here when it comes to budgeting. All of those have been things that have held me back from really creating and sticking to a budget. I am still working on it actually, but at the beginning of this year I made it a point that I would do what it takes to get my finances in order and that includes budgeting. On the topic of fear, I just read the book Who Moved My Cheese? and it talks about the fact that a lot of times what we fear and image the outcome of...
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Re: Hello new members!

BeckAtsila ·
Hi Stephanie, I'm Becky. I'm taking some courses in designing apps for Android for free through Google--they might have some IT courses. You can pay a fee to get certified, but I'm not doing that. My goal is to learn enough to be able to design apps for local businesses.
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Re: Hello new members!

mdouglasf ·
Hi Stephanie and welcome to the community. I've been in IT for 19 years and I'm a level 3 support tech for Dell Inc. If I can be of any assistance pursuing a career in tech, please let me know. We can also connect on LinkedIn, and I can pass some job opportunities your way!
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Re: How To Save Money on Groceries

Nicole ·
I am a big time couponer (in Canada) but I have noticed that the coupons are getting a little more scarce since the fall. I have a recipe box (well 2 actually) that I bought at the dollar store & some blank recipe cards (my MIL gave me hers that she doesn't use) & wrote titles on them to create dividers. One is dedicated to Grocery Shopping specifically. I have dividers for grocery departments such as Produce, Deli, Dairy, Meat, Cereal, etc that sort my coupons into as I get them (so...
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Re: How To Save Money on Groceries

AverageJoe ·
menonabudget, both your post on the 10% rule and the couponing were spot on. My wife and I used to coupon quite regularly, but then we stopped receiving the paper. Guess we're going to have to start that again. We can also print coupons off. But, we saved over $4K in one year doing that. And we also go "gas points"...and this saved us on gas when the gas at Wal-Mart's station was too high. Any time we could buy something with a coupon on it that was something that we regularly used, we did...
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Re: How do you "budget" when taking a Vacation?

BeckAtsila ·
I take the train. A few years ago I took a vacation to Quebec, but found the flight home and the train were about the same price. So I booked myself a train trip from Montreal to New York City, one of the most scenic rail routes in the world (according to Amtrak), spent the night in New York, then went from New York to DC en route to Chicago. I spent the night on the train--slept great, by the way--and meals were included with my sleeper car. Once I arrived in Chicago, I took the Greyhound...
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Re: Let's talk WordPress plugins with a dash of Google

Moore Income ·
I have used All In One SEO in the past. Currently, I decided to give Yoast a try. Not sure how much I like it yet. I might ultimately end up switching back to All In One SEO. Have you used any plugins for comments? I have always just used WordPress' native comments but decided to give DISQUS a try. I have heard that Thrive Comments are also good but I think you have to use it with a Thrive theme.
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Re: Let's talk WordPress plugins with a dash of Google

Deon Christie ·
I too started with All In One SEO, but strongly advise you to keep going with Yoast. Nothing wrong with All In One SEO getting started, but more and more pro bloggers (Neil Patel) are using Yoast. The Yoast SEO Premium is a little expensive, but an investment well worth the sacrifice (around $88 I think). I have learned much of what I know about blogging SEO from Yoast. Through the free courses they offer as a premium subscriber. SEO is about a whole lot more than the keywords, because there...
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Re: The KonMari method and my financial situation

FreebiePharm ·
First I have heard of this method, but have focused on reducing clutter in the house in an effort to clear my mind and reduce expenses. It has helped reduced expenses because by reducing the amount of stuff in our home, the focus becomes on using what we already have. It is amazing to find all the things that sit around your home never used. And when you're focused on having less, you are less motivated to buy stuff and bring more back in your home.
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Re: The KonMari method and my financial situation

Caitlin Constantine ·
FreebiePharm, I had to laugh when I read your sentence about finding all the things sitting around your home that are never used. I have found *four* tape measures. Four! That would be a lot even if I were super into carpentry, but the most I've ever done with those tape measures is hang art on my walls. Yeah, probably not going to buy one of those again!
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Re: The KonMari method and my financial situation

FreebiePharm ·
At least it's stuff that's inexpensive, right? My father used to buy doubles of everything, including kitchen appliances. We were always like, why do you need two of those? Watching him be so wasteful has probably motivated my quest to reduce!
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Re: The KonMari method and my financial situation

Caitlin Constantine ·
Oh wow, I feel like I would run out of room in my house pretty dang quickly if I had that approach to buying things!
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Re: Problems smell money

Former Member ·
You still have to pay yourself first, even when you're paying off debt! Building that foundation of an emergency fund, even if it's a wee thing, can help prevent you from going back to credit cards when an expense crops up. One thing that's helped for me is taking advantage of a payment plan for unforeseen expenses when I can. For instance, I had to get some medical tests done a few years ago and it added up to about $900. I asked them flat out if I could get on a monthly payment plan and it...
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Re: Nickel Hoarding

Nicole ·
In Canada, pennies were retired in 2012. So I have joked on the Penny Hoarder FB site that I'm a Nickel Hoarder as we don't have pennies anymore. Currently I save my change for school needs (a few pizza days, snacks at school movie night, field trips), the tooth fairy & any last minute money needs. If I am going to the bank & have an excess amount of change, I will deposit it to our chequing account to put back into the cashflow. Any change I find in my travels goes into a vacation fund.
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Re: What do you do when you have a surprise expense?

Moore Income ·
My tendency has been to just put it on a credit card, however I don't think this is the most financially sound thing to do. Thankfully there haven't been too many "surprises" recently but it is something I believe we should all take into account. There is a bill coming up that we thought was supposed to be covered by insurance but might not be. If it ends up not being, that will set us back a bit. It might make us not be able to pay off our debt quite as fast as we hoped, but we are...
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Re: Make as much as $42,639 in the first week

Deon Christie ·
Exactly the message I'm aiming to get through to audiences. And thought this subject line will do just that. Really glad you took the time to read the entire article, because I will never promise audiences impossible results. I am however highlighting the fact that these kind of subject lines are nothing more than a marketing tactic. Cannot agree more, so many people fall victim to the "instant riches" scams. Heck, I used to be one of them back when I got started. Which is also why I need...
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Re: Hello new members!

Deon Christie ·
I know the feeling @Melissa . Also landed myself in the hot water with credit cards a few years back. In fact I paid them all up, and cancelled them. Then worked up a little money on the side. This way I have never really needed credit cards again. I'm a blogger, aspiring writer and affiliate marketer. Which is also how I managed to generate that little backup cash on the side.
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Re: Hello new members!

Deon Christie ·
There are endless ways to generate a little on the side @MissyD . But you have to take extra care, especially on a tight budget. One tip I can offer is to always be sure whatever you're planning to purchase in an attempt to make some money online. Comes with a full refund guarantee, because there are way too many copy/paste marketers these days. If they do not offer a money back guarantee, then they may not have quite enough confidence in the offer. And neither should you. I'm a blogger and...
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Re: Tax Return and Tax Reform

Lisa Eichinger ·
@Moore Income . There should be a place on the state form where it asks if you or your spouse lived in the state all year. For her you would say no then it would be a part time resident for state taxes for her. You might have to do it married filed separately, but your federal taxes back that up with the state codes on the W-2'S. I'm reasonable with my charges to do taxes. I don't have a set charge.
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Re: Hello new members!

Leah Caldwell ·
Hello, My Name is Leah Caldwell and I'm from New Jersey...I want to learn how to budget, coupon, and live Financial Freedom with my small business I started. I started my small business because I can no longer work in corporate world with all my illnesses that broke me down in the last 2 years...I need to recoup my saving acct I been living on and get back to life. Anyone is a couponer and what do you do to save money on limited income?
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Re: Go check out (and answer) our first survey!

DRGibbs ·
Same thing I do with every extra $100. Gas/Groceries/Girls. In no specific order or amount. My oldest daughter is 14 and my youngest is 10. They both have healthy appetites and are extremely social. Often, they are either out with friends or have friends over. I spend most of my time driving all of them from A to B, B to C and then back again.
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Re: How Did Your Upbringing Shape Your Relationship with Money?

AnnieB ·
I was raised broke, getting hand me downs from family members and living on government assistance. I got married and spent money like there was no tomorrow. Ended up in financial trouble. Now the pendulum has swung back the other way. I'm trying to pay stuff off and live life with a whole lot less stress.
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Re: Hello new members!

AverageJoe ·
Eric, buying a home is a great thing to do. I know that many financial guru's say that buying a home is a "liability", and it is, to a point. But, it's also an investment. For us, it will help us to be able to retire when we downsize, selling this home for either a condo or something else. I've seen many who are "self-employed" use their home as their 401K or IRA, and for most it's worked out great. This is our second time buying a home, and we've been in it for 15 years. There are 15 years...
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Re: Hello new members!

AverageJoe ·
Kiersten, having to go through a bankruptcy is NEVER a fun thing to do. My wife and I were forced into one when I went disabled in 2000. It wasn't until 2001 that we had to file. We lost our home, our cars except for a clunker we had and many other items. Most of the items listed on our bankruptcy were medical. We hated to do it and thought we'd never get over it. But, we did, and I did what I could to help my wife since she had become the primary breadwinner of the family. We did things we...
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Re: The Financial Benefits of Living Your Best Life

Leah Caldwell ·
@ERoberts ..Thank you! I was thinking that too..I need fresh air and to get back into life...I'm trying to build myself back up...It is weird not working in corporate world but I'm blessed to be here...I will have Dr for the rest of my life and take meds and have treatments but I have to let this illness know it do not have control of me nomore. I actually was out the house on Sat all day and was sleep all day Sunday...My body was overwhelm but I enjoy it..
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Re: Payday loans - essential or evil?

KerryE ·
Years ago I was stuck in a vicious cycle of payday loans. The only way I got out from under it was to borrow less and less each time I repaid/reapplied. Took me several weeks but I got away from them and never looked back. They are like escaping an abusive relationship. LOL
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Re: Grocery shopping for lower prices

FreebiePharm ·
I have been tackling the food budget for the last year as this is a controllable expense that I feel our family could do better on. We are a family of 5 and spend about $150 weekly for the big haul and then $40 a week on milk or fruit (things we run low on that perish quickly). We drive an extra 5 minutes to a less expensive grocer, the Market Basket, and I always check out the clearance sections. I can pick up yogurt for 10 cents, a pound of produce for $1, etc. I also have cut our grocery...
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Re: How Did Your Upbringing Shape Your Relationship with Money?

Anna Matetic ·
I have conflicting relationships based on my upbringing. We had enough but not a lot extra. For example, we did not eat out a lot, did not buy sugar cereals, and we were 6 people. So when I moved out, I ate out more, I bought the sugar cereal, and I still have a hard time 20 years later cooking for 2 people instead for 6. I am working on food waste issues and finishing off left overs that, when in my childhood home, would not have been there 3 days later. But on the flip side, I am frugal...
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Re: What do you do when you have a surprise expense?

Kirsten Cherry ·
We had some car troubles on both of our cars the last few months. It has cost us around $1200 to get it all fixed and we didn't have to dig into our savings. We decided to pay what we could with our debit card, then put the rest on our credit card and pay off the credit card when we get our next paychecks. It worked out perfect! We used to do something similar with money from our savings. We would transfer it to our checking account to pay a bill, then put it back once we got paid. We hated...
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Re: Does any one make home made crafts and sells them.

Moore Income ·
Yep! The best resource I have found and personally used to learn how to and also to buy my materials was Candle Science I still have some of my candle making stuff and might even start my biz back up again sometime in the future. I got branding stuff (stickers with logo) etc from Vistaprint. You can find cheaper ones out there it just depends on how much you are going to print.
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Re: Payday loans - essential or evil?

AnnieB ·
Payday loans prey on the poor and minority population. They are evil. Source: I used to work for one. Quit the job because I could no longer live with myself. We were taught to battle objections for paying back the loan. We had an entire BINDER on collections practices. I have seen employees take checks to the bank to convert the check to a cashier's check when clients did not come in to pay the loan. I have seen employees who would ask the questions of bank tellers, "Is this check good? If...
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Re: Head of household

Briana ·
Wanted to ping @Lisa Eichinger here -- she may be of help!
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Re: Car buying and owning.

Nicole ·
Of the last 5 vehicles we have had, 4 have been brand new. We tend to keep them for a long time. 1992 vehicle was 13yrs, 1993 vehicle was 19yrs, 2006 vehicle we still have & just were gifted a 2017 that we plan to keep for at least 20yrs. We were gifted a 1996 used vehicle that we had for 6yrs but it needed so many repairs as it wasn't well maintained before us & wasn't really able to pull our travel trailer anymore. I do know that vehicles depreciate the moment you drive them, but I...
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Re: Hello new members!

Maggie M ·
Hi, I'm Maggie. I live in Columbus, OH. I have two 2 dogs named Cookie Monster and Callie and I have a roommate named Ben. I am really glad I found Penny Hoarder. I have no idea how I started receiving it but I have found the emails to be incredibly helpful. I'm not great with money and at 35 I feel like I should be better. I have used a few tips I've learned in the last several months since I've started reading Penny Hoarder. I now use a budgeting app and I have a few apps that help me get...
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Re: Hello new members!

Deon Christie ·
Welcome to the Community @Maggie M . Just keep going, it does get better I can assure you. Penny Hoarder offers a lot of useful advice indeed.
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Re: Hello, to all

Moore Income ·
Hello @Karen White nice to meet you! I understand the struggle of trying to pay off debt! Just when things seem to be getting under control, something else seems to come up and set you back. I just encourage you to not give up hope! It will take a lot of work and effort but it is possible. If there are any specific areas you could use help with or need any tips or pointers please don't hesitate to reach out here on the forum. There are lots of friendly folks who are willing to be of help in...
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Re: Google+ is shutting down?

Moore Income ·
There was a rumor of this for some time but it was a while back that they actually announced to the public that they were shutting down. Google was just never able to get the site where it needed to be and their user base was almost non-existent over the past few years. Then with all the recent buzz about privacy issues with social media networks, Google had to admit that they were experiencing some concerns as well and rather than spend the money and effort to try and fix them, they decided...
 
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