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Tagged With "Senior Discounts"

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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

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: Si, Si Senior ((50+))

Deven ·
Wow! "Social Security is not allowing us to be very social and there's not a whole lot of security either!" May I share this as a quote with attribution?
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Re: Si, Si Senior ((50+))

Men On A Budget ·
I hereby authorize Deven to use the above mentioned quote.
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Re: Si, Si Senior ((50+))

AverageJoe ·
Having been disabled for nearly 20 years, I started my Medicare in 2002. It was one of the best decisions I ever made. Some I knew refused to do so and now they regret it. I'm considering a medigap policy to pay what my wife's employer and medicare don't pay. Don't know how that would work, though. I've been told it would. Having a tertiary policy is not unheard of.
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Re: Si, Si Senior ((50+))

FreebiePharm ·
Not near retirement yet, but the thought scares me as I have met with financial advisors, I do not fathom how I can possibly stash away enough money for retirement....always good to start early!
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Re: Confessions of a Shopaholic

Lisa Eichinger ·
@ERoberts , I am a women, but dislike shopping. I get those urges maybe a few times a year and I'm like "let's go shopping", after about an hour I am over it. However, I am one of those people that will bundle my Kohls coupons and Kohls Cash and go on the most beneficial day (where all the coupons can be used). My fiancee is so shocked that I can take a $110 bill and only pay $25 after all of the coupons and such. I don't like to spend more than a certain amount on clothes or shoes. I cringe...
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Re: Confessions of a Shopaholic

Maureen Sullivan ·
I have found the best way to escape this “buy more, save more” mentality is to unsubscribe from all brand emails. When I plan on “big shopping” ( clothes, shoes, holiday) I sign up for whatever will send me a coupon/discount then I unsubscribe after I use the discount. I find avoiding temptation all together the best way to stay in budget.
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Re: How are you saving money this week/month?

FreebiePharm ·
My husband quit smoking Black & Mild's in February. With that came other impulse purchases such as booze and Red Bulls. To support him, I stopped drinking wine. We slashed $600/month!
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Re: How are you saving money this week/month?

Briana ·
Wow, that's both impressive and shocking!
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Re: How are you saving money this week/month?

FreebiePharm ·
I couldn't help but laugh at your reply, Bonnie! Glad he decided to quit because watching it add up was quite stressful!
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Re: Medical Bill In Collections

Roy ·
The first step is to ask the creditor to send you a copy of the mandate they received from the creditor. That will buy you quite a bit of time while they research it. Eventually if they are legit. they will send you a copy of your invoice from the creditor. Once you get that call the creditor direct and offer them about 20 cents on the dollar in exchange for full settlement. If they send you back to the collector tell them you are disputing the debt and need to take it up with their...
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Re: Buying or leasing a car

Karen Marie ·
Generally speaking, the best time to buy a new car and get advantage of as any discounts as possible is toward the end of the year. For example, I bought my car at the end of the year, just before Christmas. I did not purchase the most recent "version" of the car. This was at the end of 2015, and dealerships were trying to get the "old" 2015 stock off the lot, so I saved a ton of money by getting a 2015 instead of a 2016. It also opened me up to getting 0% APR financing, since they just...
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Re: Always buy used when possible

dboothe ·
I consider myself extremely frugal, more so lately because we've had a few large, unexpected expenses. I buy my clothes from a thrift store. It's very large and has a huge selection. I only buy what I love and is in great condition so I don't feel like I look like second hand Rose. We need outdoor furniture as our old set quite literally fell apart over the winter. I've been pricing outdoor furniture at discount stores and it is still quite pricey. I didn't think to look in a second hand...
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Re: Always buy used when possible

Ken Lyons ·
Good luck in your search! Sometimes that can be even more fun than looking in the expensive stores. Check out Nextdoor as well.
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Re: SAVING MONEY ON A FIXED INCOME

Debbie Carr Oliver ·
Thanks everyone for your input. I have been using a few apps like Ibotta & Fetch Rewards which save me money everytime I go to the grocery store or when ordering online. I also get coupons from my local grocery store from time to time for free items and find items discounted on their discount shelf & ask for my senior discount at restaurants.
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Re: SAVING MONEY ON A FIXED INCOME

CaseyM ·
Thanks for the reminder about asking for senior discount - I keep forgetting to do that and they are there to be found!
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Re: SAVING MONEY ON A FIXED INCOME

CaseyM ·
I emptied my change in a jar for a couple of months, took it to the bank and it added up to over $60! I also am using a fuel discount from grocery shopping and can get up to .09/gallon off. I also just discovered Ebates and it’s awesome. Thanks for all the great tips!
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Re: Save early save often

Dan Olsen ·
Good luck and sounds like you had good teachers. Best other lesson is don't panic when markets are down. Look at it as an opportunity to by quality stocks at a discount.
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Re: Travel Tips, anyone have any to share?

Moore Income ·
I have not personally heard of any services that allow you to get discounted airline gift cards. But I do agree with @E Allen , making travel purchases on a credit card do provide some protections that can save you money in the long run. And the rewards points are just the icing on the cake. When it comes to saving money on Airfare, I am signed up for a service called Next Vacay that automatically notifies you of really good flight deals from your nearby airport. I also like using Skyscanner...
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Re: How to save when grocery shopping

AnnieB ·
Talk to the manager at the store. Find out when the marked down food is put out. Buy it. If an item is discontinuing and you truly use it, find out if you can get a deeper discount to take it all. I am friends with my local store manager. I have the ads five WEEKS ahead of everyone else. They have to know what's going on sale in order to order it and corporate office needs to know in advance to have the item in stock to ship and update the registers.
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Re: Raise credit score

tg ·
You can be added as an authorized signer on another persons card (sibling, parent). You get "credit" for the payment history on that card, but (here's the rub for the one letting you sign on) you aren't financially responsible for the payments. It's great for teens to start their credit history - putting them on a gas card or local store credit card. Gas stations used to have less stringent qualifications. Otherwise, I would go to your local bank/ credit union and take out a small personal...
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Re: how to get a loan

[email protected] ·
Hello Penny Hoarders. If anyone can help me understand a medical bill I received from visiting the emergency room at a hospital in Fairfax County VA. I spent 4- 5 hours at the hospital, received a scan and an X-ray. A few weeks later I received a bill from the hospital for $10,000 plus. I was completely shocked about receiving a bill for that amount after spend no more than 5 hours at the hospital. (I do not have insurance because I cannot afford to pay for it along all my other bills and my...
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Re: how to get a loan

KellyFromKeene ·
@[email protected] , I find going in person and speaking to a human face-to-face is often helpful. I would go to the accounting/billing office and ask for an itemized bill, and start from there. You can then dispute the accuracy. If they can't release the bill, ask who can, and so on. Squeaky wheel sort of thing. A 90% discount sounds great, if, in fact, the bill is accurate. Have you applied for Medicaid? Even if you have been denied in the past, you may now be eligible.
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Re: Traveling All 50 States On a Budget

BeckAtsila ·
Wish I would have known you were in Indiana--that's my stomping grounds. I work for a hotel now and could have gotten you a discount. I've traveled widely as well and know some places worth checking out. If you go through central Texas, check out the town of West--it's a Czech town with amazing kolaches. The best shop is Czech Stop. If you go to Waco, Baylor University has the flag that flew over the Alamo on the second floor of the Student Union Building, or SUB. It also has the world's...
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Re: How to save money at the vet's

MsKimberly ·
@lismox That is fantastic advice. I don't have a pet. However, I am thinking of getting a service dog. I am wondering how much it costs to have one per year.
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Re: What are your favorite Saving hacks?

Former Member ·
In cart abandonment, if you leave something in your cart for later purchase, and don't check out, you can get a 20% discount promo code from the retailer within 24-48 hours. Most of the merchants usually send a discount or promo code via email to rescue the abandoned cart. This hack is seriously insane. you can get the item you like at some decent discounts. P.S: Not all retailers send the promo code to rescue the abandoned cart. You can find all the details about cart abandonment here:...
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Re: Saving at the Grocery Store

Jenny Waldensi ·
One way to cut costs is to avoid the center aisles. The outer aisles have the majority of the necessities, and the inner ones more of the "extras." So figure out what it is that you Need, and see what you can get filled on mostly that. if you start at the front, work your way around, getting fresh produce, dairy, meats & poultry; and whatever else is on the outskirts of the store. Then ask: what else do I Truly need? That will change as your family grows, and reduce in size as your...
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Re: AMAZON PRIME Everyone can get it

pamgb ·
@BJLEE I've gotten the SNAP/EBT discount for a while now. They recently went up on the rate by about $0.30 per month but it's still just a little over $6.00. I don't remember the process to sign up but I did have to contact them to get the instructions. Just go to the help section (all the way at the bottom of the website) and send them a request for the information. They were very quick to respond to my request and the email they sent told me exactly the process to sign up. You can also use...
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Re: How Do You Effectively Save Money On A Consistent Basis?

shelia Wright ·
I am 65 and have only bought food at a gas station 1 time in my life. we were traveling and there were no places to eat that sunday when we stopped for gas. we raised 3 kids and my husband and I worked full time and we always cooked dinner at home 6 days a week. for 12 years while our girls were home, i was an elected city official. My first day in office i had to inform our city manager i could not be in a 4:00p.m. meeting, because the girls would be coming home and i would need to fix...
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Re: Saving at the Grocery Store

Hdgurl13 ·
Where I lived years ago we had grocery wars and I was a big coupon user. Unfortunately the only grocery we have is Walmart and they aren't a super so we don't have the benefits of the discount veggies etc. We are beginning to eat healthier and trying to build on our health. Any suggestions for saving on groceries and freezing or best place for coupons and recipes? I'm open to anything.....and how do you know what mystery shopper sites are not scams....I have actually thought about this in...
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Re: SAVING MONEY ON A FIXED INCOME

sthom ·
@CaseyM Never forget to ask for senior discount every where.
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Re: SAVING MONEY ON A FIXED INCOME

Veronica ·
Aldi is the cheapest grocery store. Kroger does have good sales. I shop the sales. Buy a rotisserie chicken. I bought one, cut the meat off the bone, enough for 4 meals, that I froze. The carcass can be used for broth, or a soup base. Sam's Club has them for $5, and Costco. Sam's and Costco have cheaper meals. Buy less meat, and eat more vegetarian meals. Senior discounts are great. Buy clothes during off season. Buy classic clothes on sale that will last. Turn off lights when not in the...
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Re: Extra cash

Pax ·
@Former Member @Tammy Jones You can earn money in many, many ways. There is a saying "There is a million ways to make a million dollars." and that saying is very much true. For example, you can get either a full time or part time job. Yes, even in the current economic environment, there are still places hiring. Some are hiring remote workers (aka "virtual" and "work from home") and some are hiring at their locations. Go search them out. Penny Hoarder has a job listing web page. That might be...
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Re: Senior Couple drowning in debt

Lyndsey ·
Maybe it’s time for a bankruptcy and a fresh start! I know it’s a last ditch effort, but why live the rest of your life in such debt? You can keep your home in most cases . It doesn’t cost a thing to look into it. If you or your husband are veterans, they have free financial help available to you.
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Re: Senior Couple drowning in debt

Birdman ·
Thank you Lindsey. Yes, I am a veteran. I guess our 3 choices are Tirle 7 bankruptcy since we have no assets but the house and a life insurance policy, a reverse mortgage, or a Home Equity loan. Not sure which would be best.
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Re: Senior Couple drowning in debt

Ray Taylor Tetreault ·
Birdman: You may have problems with a reverse mortgage. My understanding is that a home needs to be paid in full which my math is showing to be $98K (72+26) between current balance and equity loan. While your equity (assuming full market value, not including fees or interest) amounts to $87K, you may or may not qualify for another equity loan it would only shuffle debt, not really pay it since you are talking about $80k in unsecured debt. Bankruptcy may or may not be an option but be aware...
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Re: Do any wanting to raise extra money ever...

Paula Marie ·
It's a great idea! I think it would be difficult to implement. Much depends on if your wife wants only "work from home" or if she would enjoy going to a job. I do surveys for Branded Surveys. If I spend 2 hours every day I can make 60/month. The Penny Hoarder has recently looked into doing surveys to make money. The PH also has an article(s). on other "work from home" opportunities. Find the menu link for . past articles.. My best advice is to go and get a part time job., I worked last 15...
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Re: A First Timer's Guide to Credit Cards

Moore Income ·
I too was once in the same boat. I had been taught not to get into debt from a very young age. But eventually I gave in to getting a credit card for the sake of building credit. The only problem is, I really wasn't taught well the correct way to manage my money so although I knew better, I began to use the card frivolously. Then unforeseen expenses came up and just made matters worse. I am just now getting to the point of having them close to being paid off. Thankfully I was able to manage...
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Re: Best Debt/Credit Card for Travel

Moore Income ·
I cannot think of one specific card that offers all these things but you can combine credit card offers, cashback sites and coupons to get the best deals on some of these things. Some of the credit card offers really aren't that great. For example, I signed up for one that gave "miles/points" for purchases. I spent over 2K on my honeymoon travel expenses and only ended up with about $25 in rewards. The real "rewards" were in being smart with how we booked our honeymoon accommodations and...
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How are you saving money this week/month?

Briana ·
Typically on Sundays, I frantically run to the grocery store to do my shopping so I can prep my meals for the week, but this week I remembered I'd purchased extra chicken (for a discount!) the week prior and actually put it in my freezer. So I was able to use that to make all of my lunches for work this week. I also (finally) cancelled my Planet Fitness membership since I use my apartment gym instead. That's $21 a month I'm saving! Small win, but hey, I'll take it! What are some ways (big or...
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How I Live On 50% Of My Net Income

Rob Loftus ·
When I saw the light New Year’s Eve, 2017. Uninspired, broke, living paycheck to paycheck. While trying to celebrate the coming of the new year, in my very first tuxedo, and at a very nice winery, I found myself miserable. Most noteworthy, my amazing mother, who was visiting and I hadn’t seen in years due to living a few thousand miles from one another, is a VERY upbeat and positive ray of sunshine. As a result, she, AND my realization I was failing at ‘adulting’, were my catalyst for...
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How To Fly High With Wi-Fi ... (for less)

Men On A Budget ·
I cut $20 a month off my high speed internet costs, one of many routine costs that I lowered from just a fifteen minute telephone call. But, wait... there's more!!! I was also able to boost my speed from 60 mbps to 100 mbps. Can you? Why not find out??? Below to a link to Broadband Now, a search tool that will let you find the available internet service providers in your area. Keep in mind that it's important to consider the speeds along with the pricing so that you are comparing apples to...
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How to save money at the vet's

lismox ·
I have 3 cats and had to put two down this year (we didn't have 5 at one time, only 3). I used both my regular and emergency vet this year out of necessity, but I will be avoiding my vet as much as possible now, and doing the following things instead: 1. Using a vet tech who comes to our local Petsmart. Literally I spent $10 per kitten for their first two vaccines. It would have cost hundreds of dollars at my vet's office. Check with your local pet store to see if they have mobile clinics,...
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Invisible Emotional Costs

Ray Taylor Tetreault ·
After my divorce in the early 1990's I made the decision to move from the inner city of Cleveland to a sleepy suburb two cities away. At first glance the higher rent seemed untouchable but turned out to be less overall. Here were some of the invisible costs that I uncovered. You may find similar rationale to any seemingly unreachable goal on your list... The car insurance costs for suburbs are usually less than inner city and in my case, the suburb was closer to my employer's location which...
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My townhome is just a money pit

charlottel ·
I bought an older (37 yo) fixer upper townhome last September and thought I got a good discount on it. Well I have replaced the whole heating and air system, had to run new duct work, had to replace windows to be able to see out. I had radiation treatments in Jan & Feb and was sick the whole time. Finally went to pulmonologist and found out I have mold in my lungs. So I'm in the process of having mold testing being done. They found a couple of places that were black and hairy and did a...
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Financial Fitness February

Moore Income ·
Last year this time I did a challenge where I shared with you all a daily tip I was trying to apply in my life to improve my financial wellbeing. February tends to be the month for me I tend to really get back on track with my finances. Because of that, I have decided to call it Financial Fitness February and I will once again be sharing with you the healthy financial steps I am taking. This time however, I will be sharing just the things I did each day that have an impact on my finances in...
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Financial Fitness February: Day 11

Moore Income ·
Not gonna lie, the days seem to be going by faster and faster and it seems like I never have enough time to get things done. I know I need to work a lot on my time management skills especially since next month I will be returning part time to my former job as a digital marketer for a promotional products company. Financially, here is what happened today: 1.) Sourced a Bit More I decided to check back in at Bed Bath & Beyond to see if they were still running their Red Dot Clearance event.
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Financial Fitness February: Day 12

Moore Income ·
Most of the day was spent at home today due to the -15 degree weather with heavy winds. Because of that, not a lot happened financially today. 1.) Another Day of NO SPENDING! Sort of... I didn't even spend anything on my business today which is fairly unique. As I mentioned, we had bad weather today so my wife was off work and I did not leave the house except in the evening when we went to church. The reason I say sort of is because their was money spent today but I will explain more in the...
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Prime discount for vets

BeckAtsila ·
Amazon has a Veteran's Day special going--$79 a year for Prime if you're a vet. Existing Prime members can apply. If you order from Amazon or shop at Whole Foods frequently this could be a good deal. Fun fact: The Army has more planes than the Air Force and more ships than the Navy. Hooah!
 
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