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Tagged With "Member of the Month"

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Re: Hello new members!

Melissa ·
Hey there! My name is Melissa. I'm a Community Relations Specialist at The Penny Hoarder. My primary financial goal is to pay off my credit cards!! Credit cards can be amazing but they make it so stinking easy to over spend. A follow up goal of mine, is to track my spending on paper each month and stick to a limit. This way I'll remember each credit card swipe and hopefully I won't rack up credit card debt like this again!
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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!

Nathan Taylor ·
Hey Nicole how do you plan on becoming financially free? Do you have a coach or a community that is not online to keep you accountable? Do you have the tools needed to make your dreams and goals come true?
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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!

Nicole ·
Hi Nathan, Do you have any suggestions of apps or tools? So far, I keep accountable to my family & bank account. My situation is a little different.....I used to work in the financial industry actually. I'm a SAHM because I have a son with medical needs. Like most parents, I will spend any money it takes for my son to be healthy & happy. So our lives detour but we were still able to get lots of trips in last year as well as the unexpected 3 weeks hospital stay without incurring any...
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Re: How To Save Money on Groceries

Nicole ·
Meal planning is key for me. I do 1 'big' grocery shop a month for the basics & meat. Then weekly I buy milk & produce that we need as well as use any 'free product coupons' that I come across.
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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: Hello new members!

Men On A Budget ·
Hi Fellow Hoarders of Pennies! My name is Ray Taylor Tetreault. I'm a retired savvy senior shopper (and saver) in the Cleveland Ohio area. I've been a "conversation starter" on Facebook's Penny Hoarder Community for a while and really enjoy communicating with like-minded individuals. My wife and I have recently become (almost) debt-free with the exception of paying our car in a few months and a five year plan to rid our mortgage. I have a huge database of tips, tricks, treats, tweaks and...
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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: 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: Hello new members!

Candice ·
Hello everyone! My name is Candice. I currently wish to be debt free and to start saving a nice chunk for retirement.
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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: How To Save Money on Groceries

Wen Dee ·
I save 75% or more shopping using coupons, bogo deals , discount meat/bakery deals and Ibotta. I rarely pay full price for any grocery/household items. Many items I get is FREE. https://www.facebook.com/Coupons4newbies/ (my website). I shop once a month for meats and main items we need, then weekly for milk/cheese/fruits/produce.
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Re: What are some really effective ways to boost a credit score?

Deven ·
If you can afford to, all at once ! It stops the bleeding immediately. By bleeding, I mean all the interest that's tacked on each month. If you can't do it all at once, definitely cut off the highest interest one first, by paying the minimum payment required on the lower interest rates and throwing the excess on the highest interest one. Once you've reached zero balance on a card, just leave it at $0. You don't need to use it and you definitely shouldn't close it because closing that account...
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Re: Hello new members!

Jules ·
Hey everyone! I'm an SEO Specialist for The Penny Hoarder. I'm currently working to pay off some credit card debt, and I'm very excited to join you all on this journey!
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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: 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!

Renee Dubriel ·
I’ve been a reader of a penny hoarder for a couple of years and I love what do you guys wrote and I followed a lot of what you guys say and a lot of it has worked and I appreciate it I’m glad that this group is on the Internet
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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: Giving up cable -- what's the best replacement option?

Bonnie Squires ·
We dumped cable 4 years ago when we moved. Now we pay for amazon prime $5 a month hulu $12 and netflix free because 1 of our kids have it plus wwe for hubby $10 than our internet $30 a month. So $55 a month. Sling isn't to bad Husband didn't like it. There all so pluto i think is the name and its free. youtube has free movies that you can watch to. I can't think of any others but if i do I'll let you know
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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: Giving up cable -- what's the best replacement option?

Drumtrip ·
@Alexis Grant I use YoutubeTV, Hulu, and Netflix for about $60 a month. YoutubeTV has NBCSN its GREAT, so glad to be off cable. Works on everything except Amazon Firestick. Frontier also has $40/mon internet for 2 years going on now so my whole bill is around $100
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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: Hello new members!

Jana ·
Hello, everyone. I'm Jana. I'm a brand new blogger. I have a money-saving blog with discussions and resources on how to save money by getting freebies and winning prizes online. I've saved so much money doing this, and love to share how with others. My financial goals are aimed at being able to reduce my work hours (at my 'outside' full-time job) in 2019 and to be able to quit that full-time job in the future.
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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: 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!

Tasa ·
Hi, everyone. My name is Tasa. I've followed the Facebook group for a while now, although I don't post that much. I'm in between jobs at the moment, so my current financial goals are surviving my unemployment without going into debt and getting my finances stable again.
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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!

Nathan Taylor ·
Great website but may I state that hope is not a strategy. How do you plan on driving traffic to your site? What is your goal to get rid of your debt? What is the timeline for creating your book? All great things you are stating in your postl. Your site is really good you have a great niche. Just wondering if you need help getting your website off the ground with some money. Let me know if you want to connect and discuss an action plan to make things happen for you.
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Re: Hello new members!

Nathan Taylor ·
Re: Hello new members!
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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: Hello new members!

Deon Christie ·
As an SEO specialist at the Penny Hoarder, allow me to say " Outstanding Job! ". I would be over the Moon if my blog could be 10% as popular with regard to search traffic.
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Re: Hello new members!

Lealip13 ·
Hi everyone my name is Lea and I am new to Penny hoarder. I have recently started my hand at running an online business actually an online thrift and craft store. I am working hard at being able to.make a living using my passion and things that bring me joy, make me.smile. Thank you for bringing me into your community I have a feeling it's just where I need to be.
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Re: Hello new members!

Warnockd031 ·
This is warnockd031 and I'm looking to build my credit and be financially free!
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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: What are some really effective ways to boost a credit score?

AverageJoe ·
All at once is the best way to go! We did it, and we've never regretted it for a minute. We'd rather have that money going into the bank every month than into interest to another bank for what we borrowed. After the crash, the banks raised everyone's interest rates with promises to lower the rates. This wasn't the case. By taking away that interest payment on what you had borrowed, you're not only showing that you can get out of debt, you're showing your disapproval with the way they lied...
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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...
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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: Hello new members!

Lindsay Fernsler ·
Hi everyone! I was a lurker on the Facebook group, and I am trying to clear my debt.
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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...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
I looked into Cobblecord, and although a good service, it didn't tell me anything I didn't already know. I cut the cord a couple years ago and save about $150 a month of cable. I find that I'm good with an HD antenna, Netflix and Sling, while streaming Fox News on Youtube gives me most of what I want to watch. Sling $25.00 and Netflix $9.00. If I want to watch HBO or Showtime on any given month, I sign up via Amazon Prime and you can cancel at the click of a button (which also has movies) or...
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Re: Hello new members!

Sonbunny ·
Hello everyone! My name is Sonya and I live with my 3 sons out west in Colorado. Im a massage therapist and a widow. I am always looking into ways to possibly save some money or get a good deal. I have really enjoyed alot of articles on this site. Look forward to meeting new people and learning more!
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Re: Hello new members!

SDT ·
Hi, I’ve followed Penny Horder for quite a while and have learned new way to save and be smart about money. We are a year away from retiring and 2 yrs ago downsized to a condo, sold a lot of “stuff” our adult kids didn’t want , it has been a good move. We have a small mortgage and car payment and aside from regular living expenses are ok. Still not working full time and managing retirement is daunting to think about so being here is a great place to learn . I also have told my adult 3 kids...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Lisa A Bean ·
Just do Hulu for $7.99 a month less stress budget ur pocket..cable is pretty much out. Nextflix Hulu ,etc are taking over
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

KimK ·
3 months ago we switched from $120 DirecTV to $40 YouTube TV. We get all our locals; FOX News, CNN, etc; all ESPN channels, MLB, Big 10 Network, 4 FOX Sports networks; Freeform; TNT; plus numerous other channels. Only channels we are missing are HGTV and The Weather Channel. Saving $70 per month is awesome!
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Re: Grocery Shopping - How far away is your usual store?

jenakle ·
We live in a midtown area and have 6 stores w.in a 3 mile radius (3 Publix, Winn Dixie, Lucky's, and a Whole foods), plus Costco and Sam's on the other side of town. Numerous Asian and Latin stores I haven't even tried. I tend to drive to the Publix that's a little further away because the college kids make the parking lot a nightmare at the one closest to me lol. Lots of options but I usually go to "my" Publix weekly and Costco once a month, or Lucky's if they have good deals.
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Re: Philo TV

Briana ·
@Moore Income I'd never heard of this before. It looks like they have a few basic package options - starting as low as $16/month for 44 channels. I found the link if you're interested in learning more: https://try.philo.com/
 
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