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Tagged With "Work from home"

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saajr

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jacob oyoo

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BOSTON BOSCO

BOSTON BOSCO
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Re: Hello new members!

Nicole ·
Hi! I'm Nicole from Canada. I'm a stay at home mom that loves to save money, couponing & contesting (sweepstaking). My goals are to live debt-free while life keeps sending us curveballs that use up all our savings so that we need to start again. I like to save money for camping & travelling too.
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Re: Hello new members!

Scarlet Hope ·
Hello all, So glad to be here. I am presently a full time employee as well as an entrepreneur working with network marketing. My goal is to gain financial freedom from bills and be able to get finances in order so I can afford to do things I'd like to do from remodeling my home to traveling. So I am here to learn better financial habits and ideas that will help me accomplish my goals. I am also here to help others as well with issues I have knowledge about.
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Re: Hello new members!

Kirsten Cherry ·
My name is Kirsten Cherry and I am a stay-at-home mom and an avid side hustler. My financial goals would be to build a savings, pay off my auto loan, and save for a mortgage! I would like to learn more about credit scores and tips on how to find the best mortgage lender. I’m happy to be here to learn from everyone!
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Re: Side Hustles

Crystal ·
I’ve done several side hustles. I’ve babysat, mystery shopped, product testing, focus groups, medical studies, let a beauty company test hair products out on me (this was my favorite because I got a free blowout and $40), Amazon delivery, and delivering organic fruit and veggie boxes for a local company (I got to take my daughter plus pay and all our fruits and veggies were free). Currently I’m trying out buying liquidations and reselling on Poshmark and eBay. We’re currently saving money to...
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Re: How To Save Money on Groceries

Men On A Budget ·
The "average" household should not exceed 10% of take-home income for food. The issue that I have, with my wife and I on retirement income, is that we do not have the average income those cited financial experts are talking about. We are literally only a few dollars above the thresh holds for receiving many of the governmental benefits that would allow us more budget boosters. The good news is that we have more time than money that we can use to get to our target, allowing us to have more by...
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Re: Side Hustles

Kirsten Cherry ·
@Crystal Those are all amazing ways to bring in extra money. Now I’m going to be searching for more! And my dream house will have a separate space for Airbnb too! Love it.
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Re: Side Hustles

Briana ·
@Melissa you were just talking about some of these the other day!
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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: How To Save Money on Groceries

Men On A Budget ·
Couponing is just such a waste of time, right? I have a single female friend with multiple stores in her area wondering if she can hit a $3,000 total of savings from her local Stop & Shop by end of year. Not a bad part time "gig" in my opinion for a few hours of time here and there. ((Note: I have seen untouched photos from the same store chain in excess of $20k for a lady with a family very active with donating to charities)). I'm not as cuckoo for coupons but my wife and I do pretty...
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Re: Side Hustles

Briana ·
@Crystal how are you liking Poshmark? I just signed up not too long ago too!
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Re: Side Hustles

Briana ·
@Kirsten Cherry which side hustle have you enjoyed the most? I'd love to hear how it's benefitted you!
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Re: Hello new members!

Clark Body ·
Hello, Everyone. I'm Clark from Indianapolis, IN USA! I Look forward to sharing and networking with you all!
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Re: How *I* Shop For Free

Men On A Budget ·
From a "Good Morning, America" segment, this video from you tube, titled "Mom Feeds Family On $4 A Week" is evidence of Kathy Spencer's savvy shopping skill in how she shops for free. You would think that the Christian Children's Fund would be calling Kathy for advice on how they can reduce their 30 cents a day claims to only feed one child. https://www.youtube.com/watch?v=vbbW6WpXWjw
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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: Side Hustles

Crystal ·
@Briana so far I like it. I find it easy to use. Out of my personal stuff, I'm selling maternity clothes and baby clothes. I also bought a box of Amazon returns from liquidation.com. After shipping it came to almost $300. The description said it's retail valued at $3300, I'm finding it's actually more. I'm working on looking up the actual retail value of things and posting them for 50% off. There were over a 100 items in the box. There are a few items I'll probably take to goodwill. If all...
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Re: Side Hustles

Briana ·
@Crystal WHAT! That sounds like an incredible plan. You'll definitely have to keep me updated on how it goes. Do you see yourself consistently buying from liquidation.com and then selling?
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Re: Side Hustles

Crystal ·
@Briana- that's my plan. I'm a SAHM with a 3 month old and 2 1/2 year old. I'm working on trying to get everything posted on Poshmark when my kids are napping or after they go to bed. My goal is to post at least 5-10 items a day.
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Re: Side Hustles

Candice ·
@crystal How much roughly do you pay for shipping on Poshmark? Also, how are the fees on Poshmark?
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Re: Side Hustles

Crystal ·
@Candice - Poshmark takes 20% when you sell an item. The buyer pays a set shipping fee. When an item sells, they send you the shipping label. I bought a 100 poly mailers on Amazon for $12 to ship my items.
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Re: Side Hustles

Kirsten Cherry ·
I love doing VIPKID the most because I'm a very social person and I get to interact with kids who are excited to learn. The pay is also substantial so that makes the top of my list. I also love the ease of user testing because it takes 10-20 minutes and is decent pay for that little time!
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Re: Side Hustles

Briana ·
I've heard so many good things about VIPKID. Do you need to have a teaching degree?
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Re: Side Hustles

Kirsten Cherry ·
You don’t have to have a teaching degree but you do need a bachelors degree. I have a degree in biology and worked in healthcare for 3 years before I had my daughter. It has been a perfect job for a “stay at home mom” such as myself!
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Re: Side Hustles

Briana ·
Wow! That's good to know. I've been curious about trying it out, so I'll look into it. Thanks!
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Re: How To Save Money on Groceries

Men On A Budget ·
Here's an article from Penny Hoarder (November) with 32 Things Most of Us Don't Do at the Grocery Store That Could Save Us $100 or More... It's title is "32 Things Most of Us Don't Do at the Grocery Store That Could Save Us $100 or More" ((glad I know how to copy and paste ... LOL)) https://www.thepennyhoarder.co...eries/groceries-100/
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Re: What are some really effective ways to boost a credit score?

Men On A Budget ·
Great Question! According to the research that I've done and my experience with helping people remove errors from credit reports, the more you pay and the sooner will reduce your utilization rate the moment it posts (subject to next update of credit reporting) so "all at once" would quicken that for you. The rest of the factors, as you will read in this recap article, are not affected. The sooner you pay the less interest you are paying; however, to avoid needing credit and having to pay...
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Re: Hello new members!

Kathleen Garvin ·
Hi, everyone! My name is Kath and I'm on the marketing team at The Penny Hoarder. I'm a TPH OG -- I've been with the company for over three years now! -- and I've learned a TON about personal finance from working here. After paying off my student loans this year (happy dance), I'm looking to invest more and possibly save up for a property.
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Re: Giving up cable -- what's the best replacement option?

Men On A Budget ·
Hi.. Welcome to the Community! My wife and I have reduced our cable "bundle" from the bill-us-all-you-can package down to internet only, from around $180 per month down to $55 (including home phone VOIP service) with zero regrets and less than zero loss of quality programming because we now have more options... what to watch and when to watch is completely up to us. That $125 of savings has found much better uses elsewhere in our budget. First of all, I cannot thank you enough for the...
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Re: Hello new members!

Bonnie Squires ·
I'm new here. We just scaled our house down. Moved from a house that was 2100 square feet up and down in the basement and a hough lot to a little over 1,000 square feet. The house is only 703 square feet We will own this in 10 years instead of 30 years. Next year we will be down to 2 kids hubby and myself and 2 my be 3 dogs. I'm looking to pay my credit cards off and my home. I'm disabled and so my husband. I'm his care taker and i do get paid for this. But looking for some side hustles to...
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Re: Hello new members!

Treehugger ·
Hello, I have been an avid follower of the Penny Hoarder Facebook group for many years and have tried quite a few of the suggestions posted. From no spend months, cell phone plans that are less expensive than name brand national carriers, to robo investing options. I am a 40 something mom who will have a college freshman next fall and am looking forward to suggestions/posts. I work full time (Accountant) so am good with money, but really enjoy all of the ways people have found to save!
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Re: What are some really effective ways to boost a credit score?

Drumtrip ·
@Briana I used to work for a credit card company! Some of the best ways to quickly boost credit scores. 1) Don't close credit cards, especially your oldest one. Instead you can just shred the card if you never intend to use it. This keeps your credit line open on your credit report. 3) Ensure you have enough credit, this sounds counter intuitive but having the right amount of credit in good standing shows that you can handle it and helps in the algorithm, even if you pay it off every month.
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Re: What are some really effective ways to boost a credit score?

Briana ·
These are all great tips! Thank you so much! I was always questioning whether I should close one of my cards or not, so now I have my answer.
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Re: What are some really effective ways to boost a credit score?

Drumtrip ·
@Briana It is a balance, you want to keep your credit utilization low, you don't want to have too much credit, and you don't want to have too little If you have too much then closing an account is fine, just don't close the oldest one, that is actually a factor in calculating your score (at least in the older models). I suggest using something like creditwise from Capital One, its free, you don't have to have an account with them and it gives you tips!
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Re: What are some really effective ways to boost a credit score?

Kirsten Cherry ·
I was always told to stay away from credit cards. Even as an adult, I had moved out of the house and lived on my own for 7 years without having a credit card. So what I struggle with is lack of credit. I got my first credit card a year ago and then a few months after that, I bought my first car that required a loan. I have a decent score but hardly any history. I guess I just have to play the waiting game?
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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: Side Hustles

Vanessa ·
I do InstaGC, Swagbucks, and Prolific Academic. These are sites where you can take surveys, watch videos, signup for newsletters, print coupons, and a bunch of other stuff. I make a couple hundred extra dollars per month doing this on top of working a full time job.
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Re: Giving up cable -- what's the best replacement option?

BGriff ·
If you're a little tech savy, you can build an UNRAID media server out of an old PC. Then join a Usenet service for $10-20/month. Setup PlexServer and Sonar(simple through the UNRAID Docker service) on the media server and download the TV programs that you want to watch from Usenet via Sonar. There are many video tutorials on YouTube on how to do this. If you are a TV junkie and watch many programs daily this might not work well for you, but if you only like a few shows a week or like to...
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Re: Hello new members!

Mslovemovies ·
Hey Everyone! My name is Janet Davis on FB. Mslovemovies on Instagram and LinkedIn & A few other sites. I had my own tv talk show in Detroit, Mi. I moved to Ohio and have recently graduated from Ohio Media School 12/17/2018. Then I became an Entrepreneur and I am the proud owner of An Online Beauty Supply Store. weon1beautysupplybyjazz.americommerce.com Hopefully thru sales this will help me to pay off my student loans. I've got my credit score from 540 to almost 700. I am so proud of...
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Re: Hello new members!

Deon Christie ·
I hear you Tasa, and I know exactly where you're coming from. Whether my advice will work for you I cannot guarantee. But because this is a free method to generate some cash on the side, perhaps something that may come in handy? In fact, it is the only free method that I know for sure actually work. It involves publishing your knowledge in the form of an eBook at absolutely no cost to you. And regardless of how minute you may consider your knowledge to be. Remember that somewhere, someone is...
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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.
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Re: Hello new members!

AverageJoe ·
Hi, I'm Average Joe. My wife and I are nearing retirement age (within the next 10-15 years). We need to rebuild what two companies have destroyed so we can possibly retire by 70. I'm disabled, and my wife is working. We just want to be able to live, even if below our means. We've done that most of our married life. We've got 15 years on our home to pay and 3 years on our car. We just want to be financially free!
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Re: How Do You Do Your Taxes? Yourself or Someone Else?

Moore Income ·
I have personally shyed away from TurboTax because every time I have started using them they wanted to add on fees for different things. Have you found this to be the case or is it worth the fees?
 
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