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Tagged With "February financial fitness"

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Sidekick Erin

Sidekick Erin
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Rich rob

Rich rob
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Emily Morgan

Emily Morgan
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Emma Stone

Emma Stone
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Ezekiel Akpan

Ezekiel Akpan
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Re: Reading Goals

Melinda Longtin ·
I do not have specific reading goals, but I read and write all of the time. As a blogger and a poet, it is important to constantly be honing my craft and keep learning in general. However, I have a book ownership goal: Read and sort through/donate enough books to make it possible for all of them to fit on my bookshelves. Nice sources for free or inexpensive books: OnlineBookClub. They provide books in their daily gift card giveaway contests (Reading samples of or downloading the books they...
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Re: What's the best way to teach kids about money?

tg ·
When my son (now 32) was 2 he was constantly asking me to buy things at the checkout (candy and junk at kids eye level.) I solved it and helped him learn about money in one swoop. We gave him an allowance - $0.50 a week. To earn that he had to do one age appropriate chore (which he picked and agreed to do.) Other chores around the house were also done, "because he was part of the family." Each week he received his allowance and had 2 piggy banks, he had to deposit a quarter into each of...
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Re: Grocery receipts

redcatcec ·
I have opted for the Coin Out free app and am happy to say I like it, you won't get rich anytime soon! It is a little more jungle in my pocket today.Looking forward to an Amazon gift card. In the past I have tried Ibotta, found it too restricting-very specific on items that qualify that did not fit our lifestyles. It is probably very good for those who purchase brand name items on a regular basis.
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Re: job search/resume/cover letter

Liz Anthony ·
It depends on the position. If it’s a manager position or above, then a cover letter is typically a good idea. Otherwise, it’s probably a waste of time unless the job ad specifically asks for one. If a cover letter is needed, keep it simple, but customize it and include information specific to the position you are applying for (i.e. your relevant experience or skills/attributes, your passion for the type of work, why you think you would be a good fit for the job, etc.).
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Re: This week’s Community Announcements 12.20

Jobelle Collie ·
I was getting ready to close on both my current home and my new home. Three days before closing, the new home (about 2 years old) the home inspection report, all 25 pages, had so many expensive flaws I had to walk away. I’m tired of living with half my home in boxes, but the new house was extremely dangerous. Sellers decided they could fix a gas furnace by themselves. I’m a good accountant, but I’d never fool with gas or electrics! I’ve decided to sit back and regroup. I had to hire a lawyer...
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Re: January No Spend Challenge

redcatcec ·
For your furnace filter subscription (honestly I have never heard of this) have you considered getting the kind where you cut it to fit and then wash it every 3 months? Maybe put a reminder on the cell phone calendar? Or for a reminder attach a label to the furnace of near it and write when it was changed? My husband has the dollar razor blade club too, he manages that-that's pretty cheap. So good to hear you are using reusable K cups, that's a savings. Since we found a really good deal on...
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Re: This week in... The Penny Hoarder Community!

Deon Christie ·
Wow, that's great news @Briana . I'll have to think of something more fitting than my usual discussions. But then I also picked up a few interesting facts on my research journey through online marketing. I hope @Kirsten Cherry find a solution that will best fit their needs. It's quite a tough decision to make. And congratulations to @KellyFromKeene , @BeckAtsila and @MissyD for taking control. Always remember that if you don't work on your own dreams after the 9 - 5. Then you're not really...
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This week in... The Penny Hoarder Community!

Briana ·
Hey there, Penny Hoarders! Each week we'll be showcasing the latest community news and updates in an announcement post. This is a great way to keep you all up-to-date on the latest happenings. Announcements + Do you have something you would like to talk about but it doesn’t quite fit into a category? Never fear! The General Discussion board is here! Whether you want to discuss a topic that you don’t see a thread for, or talk about your fur babies, here’s the place. + Are you an Amazon...
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Zero Based Budgeting

Scotirish ·
Let me get my morning dissertation out of the way because I have big plans for today. I do have to remember its National Fried Chicken Day and I have to fit that in later as well but I better not wait to long. Zero Based Budgeting: The term seemed frightening at best especially since In the letter I had sent out that I only had the 'Rudimentary skills of a bookkeeper' And even that course I learned in prison some 13 years ago. I also mentioned in the letter that I ha d just gotten out of...
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Do you want to share your opinions with The Penny Hoarder?

Briana ·
Want the chance to be featured in a Penny Hoarder article? Interested in sharing your opinions with our writers? Have questions you'd like answered in a future article? If any of these sound like you -- you'd be a perfect fit for our new feedback group! How do you join? Send me a DM or comment on this post and I'll add you to an exclusive group where you can see what we're asking about! (A few of our writers are already looking for your opinions!)
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Out of work - questions about bill strategies

Joe Charles ·
Ok I’m out of work for at least a month, I applied for unemployment, hopefully it will go into my bank account soon , but I have a budget that is used to me making money to fit my budget, today I had to take money out of savings to cover my car payment. I have other bills, don’t know what to do? Should I Call my creditors to deferred payments, hurt my credit score, maybe refinance mortgage to get some money, or borrow $ to pay bills or just pay some bills and not other bills,again ruined my...
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Re: Saving on a Fixed Income

Arthur Mantzouris ·
Hey Jeanne, I'm on a fixed income and it really comes down to you separating your needs from your wants. For instance some times, eating out is a want, not a need, even tho sometimes people disguise it as a need. When you can do that, then you can stretch your money far and really build your emergency fund. And also you may want to do this, when your wanting to buy something, ask your self, How many hours does it cost me to recoup the money I'm going to spend on this? And if it is alot and...
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Re: Saving on a Fixed Income

Jeanne Featherston ·
Thanks. I do already live on a zero-based budget and it REALLY works for me. Hopefully my diligence and looking for extra side-income will keep me focused.
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Re: Home Meal Delivery

Karen Marie ·
Was this the meal kits, or the delivery of prepared meals? I find that both can be handy. As Theodora mentioned, it's nice to have the option to try new recipes you may not have otherwise. Having the ingredients shipped to you for a new recipe, and not having a ton extra after if you don't like it is great for reducing food waste and saving money as well. I also like the pre-prepared meal deliveries on occasion to have something with less preservatives and junk that I can throw in the...
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Re: cover letter

KellyFromKeene ·
I think it all depends on the field you are working in. I applied for the same job in 2 different agencies in the same area. One of them I used a traditional resume and cover letter and the other I used a more modern one with a different layout, font and a picture. I was, honestly, a perfect fit for the jobs. I got an interview and eventually an offer with the traditional one, and not even a call with the modern one. Crazy.
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Re: Financial Fitness February

redcatcec ·
I have the feeling a financial challenge is coming our way and it is in the form of grown children. They are a married couple and about 3 years ago moved from the area here in Maryland to Florida, my daughter-in-law took on a job overseeing an elderly patient's care, the patient passed and the good pay evaporated about 1 year ago. So she finally landed a job doing customer service at a large chain store, my son was employed also be the same store in a different dept. He lost his job in Nov...
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Re: Are you an Amazon shopper?

Anne Smith ·
I buy a LOT of stuff from Amazon. Lately, it's been stuff to organize my home: Undersink shelving, lid holders, pan racks, silverware holders, etc. Things that I have either A. Good intentions of using, but never get around to implementing or B. Items that just DON'T FIT for one reason or another (usually because I didn't measure a space correctly!) So I also have been doing a lot of Amazon RETURNS lately! lol That being said, I am a Prime member. The free shipping is "the ****" and...
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Re: Finances and Extra streams of income

Dear Penny ·
Hey @Leon ! If you can afford to pay at least the minimum for your bills, try to do that, even if the lender or service provider is being lenient. Even if they're being lenient about late payments and reporting to the credit bureaus, that's money that you'll still be paying back at some point. If you can't afford the minimums, focus on staying healthy and housed. That means groceries and prescriptions get top priority. Staying on top of your housing payments should also take priority, even...
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Re: Robo stocks

Dear Penny ·
Shay, robots are usually way smarter than humans at picking stocks, plus they work a lot cheaper! So I love that you're looking to get started on investing with a robo-adviser. It will ask you some questions about how much risk you're willing to take on and then pick investments that fit your profile. Here are some of our favorites. https://www.thepennyhoarder.co...e-to-robo-investing/ T hat said, since it sounds like you're new to investing, let's talk about a few things you need to know...
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Re: This week in… The Penny Hoarder Community

BJLEE ·
So glad to see all the different topics that the community discusses and the ways that it's helping everyone become financially fit.
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Re: Any ideas to save money on a cross country move?

Moore Income ·
Down-sizing is always the way to go when making any type of move. I always find it amusing when people spend a large amount on moving trucks to move furniture and items that would cost them less than that if they simply just got rid of them and bought them again at their new location. If you need a little extra space in your vehicle, you can always find a cheap rooftop carrier to fit extra stuff if necessary. Buying one of those helped me have to make one less trip when moving my wife's...
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Re: Any ideas to save money on a cross country move?

MrsD08 ·
Good idea on the roof carrier. Thanks so much.
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Re: The interest rate on your mortgage is 6%, and you plan on staying in your current home for a long time. Your financial advisor says it’s a great time to refinance. Go or no go?

AnnieB ·
Depends on how much equity you have in the house, what the costs of refinancing are, your credit score, what the rates will be, and what the break even time frame will be. Break even time frame = costs of refinancing vs reduction in the loan. How quick before you get that money back in lower interest rates? If your rate is 3-4%, then you'll recoup the costs quicker than if it was 5%. Also depends on the type of refinancing. Are you going 30 year to 30 year? Are you going 30 year to 15 year?
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john medina

john medina
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day blinds

day blinds
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Become a programmer

SHurley ·
Hi I wanted to tell you about my programming job and how you can become a programmer. I like science and math and finally got a computer job 20 years ago after previously being a secretary for 20 years - believe me it pays a lot more and I don’t have to participate in an ongoing beauty pageant at work. If you like computers even a little I would give it a shot. The only downside is having to fit in with the high income nerd culture - but since companies really need programmers they are open...
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