Tagged With "free"

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The American Dream v2.0

Rob Loftus ·
Out With The Old And In With The New The American Dream. A house in the suburbs, 2.5 children, fancy car in the driveway and a job with a pension and gold watch. This may sound a little bit outdated, but it’s still the structure, on the whole, of the American Dream. However, there has always been one flaw in this dream. DEBT. 78% of Americans live paycheck to paycheck and are literally two paychecks away from losing everything. When this happens, and it does, people find themselves losing...
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Is Your Life Taxing?

Men On A Budget ·
One of my neighbors was heading out last year to drop off a folder with his taxes at a Tax Prep office when I asked why he didn't do his own. "Well, I have the condo mortgage to claim," he said as though that made a difference. I explained that I, too, have a mortgage although the interest does not even make a dent in the standard deductions for our property values. He was intrigued. "I can show you how to do your own and save that hundred or so dollars." He was even MORE intrigued. :) There...
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How *I* Shop For Free

Men On A Budget ·
A few years back, I found a library book where the title, "How To Shop For Free" caught my eye. My initial reaction was "the lengths some people go to in order to sell books" but in my frugal world, free is not a four-letter word. What did I have to lose? “Wow… just Wow” would be a very good recap on the impact that Kathy Spencer'’s book had on me by the end of the 226-page quick read manuscript. I was so impressed that I immediately joined the www.howtoshopforfree.net web site that...
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Apps to earn rewards and cash

Ana ·
Ebates - earn money when you shop via stores on Ebates. Ibotta is a great way to earn money while you shop. Check out Fetch Rewards. Turn any grocery receipt into savings! Shopkick - Earn points toward a free gift card while you shop in stores or online - Get Upside - earn money back when you get gas for your car. I can privately send you the links to the apps with my referral codes in which you will earn a bonus. Just let me know. Are there any others that I should check out?
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Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Virginia J ·
Just read the 'Cut the Cord' article by Kelly Gurnett on Penny Hoarder today. It's very true that people are spending at least $1200 per year on cable and hate the fact that they are forced to pay for channels they don't want and don't watch. But with 200+ streaming services out there, it’s difficult to figure out which streaming services to use. So I thought I'd pass along that there is a free website and app called CobbleCord, which helps you cobble together the best combination of both...
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Can Budgeting Come with Baggage?

The Saving Scientist ·
Similar to how we enter into new relationships with some of our own baggage, we tend to do the same with our relationship with money. One area that often carries the most is budgeting. If I can draw parallels with emotional baggage, our mindset about budgeting may simply be caused by our unwillingness to address unresolved issues and fears. Is the stress of creating a budget caused by the fear of having to face the amount of debt you owe? What if it’s too overwhelming? Are you delaying your...
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Marketing Without Money

Men On A Budget ·
For the group members who are rocking it with profitable full and/or part-time businesses, you are probably well aware that keeping expenses as low as possible in your personal and professional lives has had the biggest impact on your success. This post may not be of much interest to you. For the rest of us looking to attract more followers and/or clients and customers, I just want to offer a book suggestion, "Marketing Without Money" by author Nicholas E. Bade. The most recent publication...
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Publish your eBook on Amazon at No Cost

Deon Christie ·
There are so many ways to generate an income online, it's overwhelming. But there are also numerous scams, just wanting money and more money as you go along. There are free ways to make money online, but the key is to find the ones that actually work. Like BookRix , a publisher I have been using for quite some time. A free publisher that will publish your work on all Major Online Bookstores like Amazon, Kobo and many more. They do not charge you anything for all their work, but does take a...
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Re: Publish your eBook on Amazon at No Cost

Mslovemovies ·
Wow! I am a new Author. I was line editing my 1st Book. Playing it all by ear. To me for me to see your post is so Heaven sent to me. Thank you! For sharing this info. This motivates me so much to get threw. I bought my book cover. I need to increase my word count. I will be ready to submit by Feb. You dont understand how inspiring this is!
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Re: Publish your eBook on Amazon at No Cost

Clark Body ·
Thank You! This is going to be very helpful to me.
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Re: Publish your eBook on Amazon at No Cost

Deon Christie ·
I'm humbled by your kind words, and glad I could help. You may also have saved a bit of money by designing your own book cover. And I'm going to give you access to the tools I use. For image editing from social posts to presentations, info-graphics and even book covers. You may want to check out Canva (just search your browser for the keyword) which I have been using for a few years. But you may also want some royalty free, high definition images. Which you can access unlimited free...
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Re: Publish your eBook on Amazon at No Cost

Deon Christie ·
Only a pleasure, glad I could help. Check out my other reply, for access to some image editing tools and royalty free image downloads.
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Re: Publish your eBook on Amazon at No Cost

Mslovemovies ·
Awww thank you. I just Graduated from ohio media school on 12/17/18. The day before I started my own Online Beauty Supply Business. A fellow student of mines told me about Canva to make my own flyers. This is so exciting and so blessed. God is directing my steps. Leading me to good people to help steer me in the right direction. You had to be a part of his plan for me. I cannot thank you enough! On Mon, Jan 14, 2019, 11:06 AM The Penny Hoarder Community < [email protected] wrote:
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Re: Publish your eBook on Amazon at No Cost

Tam ·
@Deon Christie this is wonderful information, as I too, would like to begin working on my content for my first book. It is so hard to get started and I’m nervous that my material will be lacking and/or fluid enough to attract and keep an audience, but after all of that stated, it is my dream. Your added resources will help in moving the train along. I wish I could afford a ghost writer, lol. Thank you for your valued info.
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Re: Apps to earn rewards and cash

Moore Income ·
I just tried out Get Upside the other day. It is not available in my area but I was traveling so I figured I would give it a shot. But every time I tried to upload my receipt it would fail, and since there is a time limit, I wasn't able to get my reward. Not a great first time experience. I just started using a newly launched app that gives cashback for purchases with many big retailers and in the future they are introducing more local ones as well as a cryptocurrency that you will also...
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Re: Apps to earn rewards and cash

Karen Campbell ·
Ana: Please send me information.
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Re: Apps to earn rewards and cash

Ana ·
@Karen Campbell I will send it you now.
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Re: Apps to earn rewards and cash

Ana ·
@Moore Income Sorry to hear about your experience with Get Upside. I haven't had that issue. I signed up for Dosh but haven't used it yet.
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Re: Apps to earn rewards and cash

Moore Income ·
@Ana the cashback is not that much honestly and you have to have $20 before you cash out but most cashback sites have a minimum. I have had the most success by referring other people.
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Re: Apps to earn rewards and cash

Ana ·
@Moore Income Oh ok. Thanks.
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Re: Apps to earn rewards and cash

KathyH18 ·
What’s the name of the cash back app you are referring to in your reply? I would like to try it.
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Re: Apps to earn rewards and cash

Moore Income ·
@KathyH18 are you referring to the one I am talking about? I will send you a message with details.
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Re: Apps to earn rewards and cash

Ana ·
Anyone use Earny or Paribus?
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Re: Apps to earn rewards and cash

Ehwilson ·
Kidazzler, super easy and I love the idea of building a kid friendly searchable database. We don’t launch until March, but my current potential monthly earnings is over $1500.
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Re: Apps to earn rewards and cash

Janna Johnson ·
I use CoinOut, Fetch, Receipt Hog, and Dabble apps for easy peasy $. I'm also using several mystery shopper apps and have been successfully paid. Referrals would be appreciated and returned. Just send a message or FB message for links. Thanks
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Re: Apps to earn rewards and cash

Moore Income ·
@Janna Johnson I haven't heard of CoinOut or Dabble, what do those do? Feel free to send me a message with more info.
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Re: Apps to earn rewards and cash

Maryanne Meyerriecks ·
A lot of the cash back apps don't seem to require you go to the app before shopping. You just link your credit card, forget about it, and when you happen to be at that store, use the credit card. I have Dosh. I got $5 for signing up and just got 2% on a Sam's Club purchase. There aren't that many offers in my area, and some offers aren't available from my local franchisee (Dunkin Donuts, for example, is listed, but my local Dunkin isn't listed as a local merchant.) Swagbucks has some shop...
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Re: Apps to earn rewards and cash

Alexis Grant ·
We did some work with Shopkick (I work at The Penny Hoarder) and I couldn't believe how loyal their users are -- they have a serious fan base! People who use it absolutely love Shopkick, so much that they sometimes spot each other at stores. Something interesting I didn't expect was that a number of the people we interviewed use the app not only to earn/save money (by earning kicks and redeeming for gift cards) but also to lose weight, because the app motivates them to walk a lot.
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Re: Is Your Life Taxing?

FreebiePharm ·
I have only ever done my own taxes. IRS website has great resources if you need assistance and I pay a minimal fee for Turbotax for extra guidance.
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Re: How *I* Shop For Free

FreebiePharm ·
That's impressive....$4/week. I have made meals for 5 for $4 but I could never see myself stretching our budget this well!
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Re: Can Budgeting Come with Baggage?

FreebiePharm ·
My biggest setback with budgeting is consistency. I feel I would start it but not continue. I am halfway there on budgeting. I write down my expenses bi-weekly but do not account for "small" purchases. This would be my goal as well as an envelope system.
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Re: How *I* Shop For Free

Bonnie Squires ·
Thanks I'll have to check this out
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Re: Is Your Life Taxing?

Bonnie Squires ·
thank you for the info
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

KimK ·
Erin M - we are saving about $80 per month by dropping DirecTV ($120/month) and adding YouTube TV ($40/month). No commitments; there's unlimited recording; you can pause, fast-forward, rewind; have 5 different accounts for $40; and we get almost every channel we got with DirecTV (to name a few: all locals, FOX News, CNN, all ESPN channels, Big 10 Network, FOX Sports channels, NFL, MLB, Freeform, TNT, numerous others). Three channels we don't get are Weather Channel, History, and HGTV; but to...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Former Member ·
But then you still have to pay for internet, right? The cable companies want to charge so much for only internet. It is the only reason I haven't cut the cord yet!
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Virginia J ·
Yes, you still need internet and unfortunately, you're right, many cable companies are either raising the rate of internet only plans, or pricing the video/internet bundle so competitively (to slow video sub declines) that they make it an offer you can't refuse -- that is, until the promotional rate ends -- and it always ends. You should shop around for other internet only packages in your area. Many times, there are smaller companies that offer internet-only services at competitive prices...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
UPDATE: I am extremely happy with HULU Plus with Live TV. I get the news channels I like to watch plus Live TV and can watch on any cell, TV, Tablet, computer I own. It's $49.99 for everything I want and like to watch instead of getting 50 million channels I don't care for. Yes, I pay for internet on the side $70 promotion for a year for fiber optics and yes it's very fast. After the promo is done I think it goes up to $80 or $90 which I will then go with a lower service. I really don't need...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
Update: Love Hulu Plus Live TV ($49.99) (I get all news channels, plus a plethora of must watch channels, i.e., HGTV, H, ID, FX, Nat Geo, TNT just to name a few. Still have Netflix ($8.99), but not too happy with the movies on there, so I will probably cancel it. Love Amazon Prime for the obvious reasons ($10.00) and ATT fiber optics internet for $70.00 promo 1 yr. After promo I believe it will go up to $80/$90 which I will then maybe go to a lower fast internet. Unless you have a home...
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Re: Marketing Without Money

Men On A Budget ·
TIP: I have collections of price shopping tools in my wheelhouse of wheels. My favorite resource for books is Bookfinder.com. Most of my "keeper" books are around $3, delivered.
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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: Is Your Life Taxing?

Lisa Eichinger ·
I also have been doing my own taxes for well over 20 years. It's a money saver if you know what you are doing. This up coming year will be a bit different due to tax changes but probably simpler for those who know how to do them.
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Re: Is Your Life Taxing?

Briana ·
What tax changes will be different this upcoming year @Lisa Eichinger ?
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Re: Is Your Life Taxing?

Lisa Eichinger ·
There are no more exemptions for each person, the standard deduction has increased, the tax rate has decreased, and W2 employees can no longer deduct unreimbursed work expenses, to name a few.
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Re: Is Your Life Taxing?

Briana ·
Thanks for sharing, I wasn't aware of some of these!
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Re: Is Your Life Taxing?

Lisa Eichinger ·
My pleasure! I prepare taxes as a second job so I have to keep up the changing laws
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Re: Is Your Life Taxing?

Wen Dee ·
In Florida and maybe other states AARP offers free tax prep/filing for anyone in the community. We have used this service for years.
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Re: Marketing Without Money

Moore Income ·
Thanks for the suggestion. I will add it to my list. I personally like purchasing my books from Thrift Books, you get free shipping if you spend $10 and you can get several books in good condition for less than the price of a new book.
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

jenakle ·
The best thing about streaming sites is the ability to switch or cancel with a button click. We typically hop between services depending on the season. HBO for GoT, Philio for Walking Dead and Doctor Who, currently using Starz for Outlander and American Gods. Hulu and Netflix rotate in and out too, but my son grabbed a great student deal for Hulu and Spotify so we share that one with him. With a $55.75 internet only from CenturyLink and a couple of streaming sites we are still under any...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

de1 ·
I will have to check these sites out, just got a new place and would love not to spend tons of money on cable... if anyone has more recommendations I'd love to hear!
 
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