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Tagged With "budgeting"

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Re: How I Live On 50% Of My Net Income

Men On A Budget ·
Awesome journey! Thanks so much for sharing it with us.
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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: School Lunches - questions

Mara61 ·
My younger son's school has lunch service done by a caterer, he is not interested and I briefly worked for the caterer and knowing how he prepared the food, didn't let my kids buy lunch. $8 is very expensive. That is crazy! If our school offered free fruit and milk, my son would take the fruit. I pack my kids lunches, even my high schooler. They make their breakfast and lunch on the weekends, so are very capable. I rather they get a bit more sleep so I do pack their lunch, neither buy. I can...
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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: School Lunches - questions

Chelle ·
My children are grown but here in Baltimore City, all lunches and breakfasts are free in public schools.
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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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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: 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

Michele Bain ·
How do I get to the article to read it ? When I click on it , it just takes me to the comments. Thanks
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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: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Theodora ·
@Michele Bain https://www.thepennyhoarder.com/life/cut-the-cord/
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
UPDATE: So I canceled Sling because it's missing FOX news. I instead am trying Hulu Plus Live TV and I am very pleased with it. It has movies, Live TV, and much more. It has every channel I like to watch. So Hulu plus LiveTV $39.99 (going up $4.99 in February) and Netflix $8.99 pretty much sums it up. I also believe Hulu gives you recording and pause, fast forward, etc. I may not keep Netflix because Hulu gives me pretty much all I want. No contract. So even at $55.00 I'm good and I won't be...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Savvy Susie ·
Netflix allows up to 5 users on one account. Consider sharing the account (and the cost). Pretty much the same with Amazon Prime. Plus free streaming TV--Pluto TV comes to the top of my mind--is totally free and provides some interesting content. You can also watch a tremendous amount of content on YouTube's streaming app. At Christmas I was surprised to find that my favorite holiday movie (Scrooge, 1970, starring Albert Finney) is available on many streaming services for a fee, but free all...
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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: Grocery Shopping - How far away is your usual store?

Melissa ·
I'm from a smallish suburban town. When I was younger the closest grocery store was a 20 minute drive (about 9.5 miles) away. I don't think it was too much of a problem, except for when the gas prices spiked. It was almost like an exciting outing when we drove into town. We always had a big list of items to buy so we made the most of the trip. My mom might have gone to a few specialty grocery shops here and there, but the one-stop shop at Hannaford was where it was at! Now, there is one...
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Re: Grocery Shopping - How far away is your usual store?

Moore Income ·
I live in Fargo, ND in an area of about 200,000 people. There is a smaller grocery store (Family Fare) right down the road about 2 blocks from my house. There is another store (Cash Wise) right behind the office building I work in which is about a 5 min drive from my apartment via the interstate. All the other major stores, Walmart, Target, Costco, etc. are about a 10 min drive away. It is crazy to think how convenient life has become. If I wasn't adventurous, I could basically live and...
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Re: Grocery Shopping - How far away is your usual store?

Shannon H ·
There is a small mom & pop store about 2 miles down the road, a Family dollar now a mile away. The mom & pop store has fruits & veggies but they are not as fresh as those at bigger grocery store and prices are higher. However, my regular grocery shopping happens in town about 8 miles away.... Kroger, Food Fair, Aldi and occasionally Walmart. It's about a 10-15 minute drive. Usually, shop once a week but am hoping to make that twice a month with implementing dinner meal planning.
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Re: Grocery Shopping - How far away is your usual store?

Zandra Velez ·
I live in E. Orlando,FL- I have quite a few local food, supermarkets,pharmacies within a 5-10 mile radius-Super Center Walmart, Walmart Neighborhood,Dollar General, Dollar Tree, Publix, Mcdonalds,Pizza Hut, CVS, Walgreens etc...but when you don't have transportation/vehicle 24/7 or issues with your car and you need to get to these places for nessecities it does create hardship in the household buses--barely see them lol & Uber can cost you, some supermarkets--ublix & Walmart charge...
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Re: Grocery Shopping - How far away is your usual store?

Nicole ·
I live in a suburban area. My favourite grocery store is a Walmart Superstore that is 30mins away. I got once a month for a big grocery shop. I have closer stores within a few miles but they are expensive & I just don't love them. There is a dirty little mom & pop grocery store 1.5blocks from me but its dirty, the staff are awful & the fresh food tends to be on its last legs. There is a drug store that has a small grocery section with great prices on eggs & clearance items. I...
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Re: Grocery Shopping - How far away is your usual store?

SDT ·
I have 3 grocery store [email protected] miles from me . Market Basket,Shaws and Hannaford.There is also a Target and Walmart with groceries about 10 miles away. Growing up there were 2 local stores about 15-20 min away. A car was necessary then and now.
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Re: Grocery Shopping - How far away is your usual store?

mintjulep ·
I stick with my favorite grocer which is about a 5 mile drive from my home. Once in awhile I drive a bit further to a Wal-Mart which is about 15 miles but only if my shopping list grows to add non-grocery items that I really feel have significant savings. I've learned the repetitive sales patterns for my favorite grocer, use coupons, and plan shopping around those sales. I've learned that getting to really "know" 1 or 2 particular grocers that are nearby end up saving me more money than...
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Re: Grocery Shopping - How far away is your usual store?

Former Member ·
@mintjulep I also avoid hitting Walmart for regular grocery trips unless there are other items I need that are hard to find in other grocery stores. But that alone can be a time suck. Last time I went to Walmart I did so many laps around the store trying to find the non-grocery items (some in the hardware section, some in the laundry section? I'm not even sure, I left without getting everything I needed) that I could have just made two stops: grocery store and hardware store.
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Former Member ·
How much do you actually end up saving from month to month, though? I feel like cable companies are getting smart and raising their internet-only bundles so high that it's almost not worth canceling cable. Thoughts? Does anyone save a significant amount of money?
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Re: Grocery Shopping - How far away is your usual store?

mintjulep ·
@Former Member Yes, it's true!! You've just given me another reason to avoid Wal-Mart. Thank you!
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Re: Stop the Paycheck to Paycheck Cycle by Being Mindful of Your Financial Habits

Moore Income ·
You can say that again! We tend to develop bad financial habits from an early age and they become hard to break and leave us wondering where we went wrong. I would have to say that a lot of times, life gets in the way when you are trying to stop the living paycheck to paycheck cycle. Just when you think you are getting some traction, life hits you with another surprise. I find often that bad habits such as a lack of budgeting and keeping track of finances and living above your means are...
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Re: Can Budgeting Come with Baggage?

Moore Income ·
You hit the nail on the coffin here when it comes to budgeting. All of those have been things that have held me back from really creating and sticking to a budget. I am still working on it actually, but at the beginning of this year I made it a point that I would do what it takes to get my finances in order and that includes budgeting. On the topic of fear, I just read the book Who Moved My Cheese? and it talks about the fact that a lot of times what we fear and image the outcome of...
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Re: Can Budgeting Come with Baggage?

The Saving Scientist ·
Exactly, Ron! I'm really glad to hear that you're taking steps in the right direction. I look forward to reading more of your posts and seeing how your financial journey goes. We can all learn something from each other! Feel free to reach out at any time if you need any advice
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Re: How do you "budget" when taking a Vacation?

Briana ·
I recently booked a trip with my sister to Greece - for almost two weeks! But we booked through a travel company that allowed us to pay each month for our hotels and excursions (which also included two meals a day!) so now when we go over in May, our trip will basically be paid for. I've been putting aside a little bit of extra money for any other food and souvenir items I want to buy while I'm there. But I can guarantee it'll be saving us tons of money in the long run! We also booked our...
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Re: How do you "budget" when taking a Vacation?

BeckAtsila ·
I take the train. A few years ago I took a vacation to Quebec, but found the flight home and the train were about the same price. So I booked myself a train trip from Montreal to New York City, one of the most scenic rail routes in the world (according to Amtrak), spent the night in New York, then went from New York to DC en route to Chicago. I spent the night on the train--slept great, by the way--and meals were included with my sleeper car. Once I arrived in Chicago, I took the Greyhound...
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Re: How do you "budget" when taking a Vacation?

Moore Income ·
@Briana what site allowed you to do that? Can anyone use that site? My co-worker recently took a trip to Greece and she said it was beautiful. I need to add it to my bucket list. You will have to let us know how the trip goes! @BeckAtsila that is a great tip. I have never personally taken the train, though I have considered it several times. Several of my family members have however for cheaper travel and they have had a good experience every time. One way I consistently save money when...
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Re: How do you "budget" when taking a Vacation?

Briana ·
It was https://www.momondo.com and yes! Everyone can use it. I can't wait! I'm super excited and will absolutely update everyone. Maybe I can try and implement some of these money saving on vacation tips I'm learning and let everyone know how it goes!
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Re: How do you "budget" when taking a Vacation?

Lucy ·
Great travel tips you guys posted. Thank you!!
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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: Debt Pay Down Tool - Now THIS is Cool!!!

Bonnie Squires ·
thank you this is my biggest thing now credit card debt and a light bill from our old place than my house payment
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Re: How do you "budget" when taking a Vacation?

LauraD ·
I own a timeshare so I have started searching for units that allow dogs. We then take a driving vacation and get to see and stop in some smaller towns on the way. This has cut the cost of our trips significantly since we no longer need to save for boarding and each unit has a kitchen so we can cook most of our meals there but still sample the local flavor.
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Re: How do you "budget" when taking a Vacation?

rtms77 ·
@Briana Which company allowed you to pay month to month for your vacation? Would love to pay for a trip that way.
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Re: How do you "budget" when taking a Vacation?

Briana ·
@rtms77 it's called Go Ahead Tours: https://www.goaheadtours.com/ . Definitely a lifesaver. It's much easier to save a little each month instead of coming up with everything all at once. And once we go over for the trip, everything will be scheduled and paid off! Minimizing the stress as well.
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Re: Debt Pay Down Tool - Now THIS is Cool!!!

FreebiePharm ·
I LOVE Bankrate! It allows me to visualize my paydown plan and edit as I need!
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Re: How I Live On 50% Of My Net Income

FreebiePharm ·
What an interesting read. Thanks for sharing your journey!
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Re: School Lunches - questions

FreebiePharm ·
I budget one meal per week for each child. They get the freedom to choose which day and it allows me to manage a budget for lunches. I send them to school 4 days a week with a packed lunch and portion controlled snack sizes to keep most snacks between 10 and 25 cents. Packing a lunch costs around $1 for us, which is a lot less than the $3+ for school lunch depending on the school.
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Re: How I Live On 50% Of My Net Income

Moore Income ·
Great to see people like yourself who are taking control of finances! March is right around the corner. I look forward to hearing more of your journey!
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Re: School Lunches - questions

Bonnie Squires ·
In Ks they have free and reduced breakfast and lunch here I all so know that kindergarten the parents have to pay for the child's snack and milk.
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Re: How I Live On 50% Of My Net Income

DottieRose ·
I have been trying to research ways to better my financial future on my own for a few years now. I'm not stupid but there is so much information out there that I'm overwhelmed. I was giving up hope and then by accident, I found PennyHoarder and your article. Your journey gives me hope that I can do this! Thank you for sharing.
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Re: Step to take to plan a business trip

Moore Income ·
The price of airfare is going to depend on how far in advance you book your trip so that is something that should definitely be a priority. If you are on a budget, there are several budget airlines to choose from though it really depends on where you are and where you are going. I personally like Frontier because they have some great deals on flights to quite a few major cities. Search google using phrases like "cheap flights to ___" TIP: Search in a "private mode" in your browser. If you...
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Re: What do you do when you have a surprise expense?

Moore Income ·
My tendency has been to just put it on a credit card, however I don't think this is the most financially sound thing to do. Thankfully there haven't been too many "surprises" recently but it is something I believe we should all take into account. There is a bill coming up that we thought was supposed to be covered by insurance but might not be. If it ends up not being, that will set us back a bit. It might make us not be able to pay off our debt quite as fast as we hoped, but we are...
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Re: What do you do when you have a surprise expense?

Paula Marie ·
The advice is to have an emergency fund to keep you afloat, fed, housed etc for 6 months max. That's hard to do,. especially if there's no one else participating. I planned about 5 years ago to shared living with my husband and my sister. Thus makes fewer worries!
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Re: What do you do when you have a surprise expense?

KellyFromKeene ·
I pull it from one of my savings accounts, and I keep an account just for unexpected things like this. This week I have had 2 medical expenses, completely unplanned, totaling about $800. It hurts to take that chunk out of my savings, but I have to remind myself that's what it's there for.
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Re: What do you do when you have a surprise expense?

Deon Christie ·
Unexpected expense requires planning upfront, something like a linked account to your primary bank account for instance. Money in a linked account cannot be accessed by using your bank card, because you have to transfer money from said linked account. Not all financial service providers may offer the option, but I'm glad that mine do. Every month, just put a few bucks (as much as you can afford) into said linked account. And forget about it, because that is your safety net. So when you do...
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Re: What do you do when you have a surprise expense?

Paula Marie ·
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