Tagged With "Amazon at No Cost"

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LAC

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Eddie Cobb

Eddie Cobb
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Beth Stewart

Beth Stewart
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Arrowmeds

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ALICE STEWART

ALICE STEWART
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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: How Do You Do Your Taxes? Yourself or Someone Else?

Jeff ·
I have used H&R Block to do them myself for over a decade, after experiencing the additional fees with Turbo Tax that you mentioned, makes it accurate. Before those programs, I used a CPA for my businesses and he plugged in the numbers and charged a fee, was disappointed with what I got back and double-checked everything. They don't always ask questions as to why you did something and/or how you used it, which cost me a ton of time to redo my tam and get quite a bit back. (Ex: I bought...
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Re: Hello new members!

BeckAtsila ·
Hey, I'm in your neck of the woods! Love Indy's low cost of living--I live near the Children's Museum and work in Fountain Square. Have you ever checked out Saraga?
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Re: Hello new members!

BeckAtsila ·
Hey! My name is Becky Oberg and I'm a writer by trade who works in a restaurant by day. Penny Hoarder has helped me get several side hustles going and helps me to live a comfortable life even though I'm on SSDI. I'm trying to pay off my credit card debt and would like to come off disability while still being able to afford my treatment--unlikely, but nothing ventured, nothing gained. I have a blog with occasional money-related posts, but I'm planning on launching an online arts and crafts...
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Re: Hello new members!

Deon Christie ·
Hi @ThrifTchic and welcome to the community. The knowledge you have is all you need to generate an income online. I'm an affiliate marketer and blogger. And often turn knowledge into an online product like an eBook. Have you ever thought of turning your knowledge on credit card debt and paying off a mortgage fast into a digital product? I can help you do that and publish on Amazon at no cost.
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Re: Curious: If you had $10k start up cost, What business would you start?

Adam ·
If anyone's interested, there are a lot of good franchise businesses that cost about $10k to start up, Chick-fil-a is one and the company is extreeeeemely popular in the South.
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Re: Curious: If you had $10k start up cost, What business would you start?

Bonnie Squires ·
WEN DEE I know when we lived in Florida we started our own produce stand. My husband would buy produce from local farmers. Than compare what he got to the store and be able to lower the prices than what the store had there prices at. We had a person drive 14 miles round trip just for tomatoes and onions. My husband was a good sales person because some one give him $20 and only buy $15 and the person ask for the change. He would say oh we got this or that and he end up getting the person to...
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Re: Curious: If you had $10k start up cost, What business would you start?

Deon Christie ·
That's really great sales skill @Bonnie Squires . And great ideas on what to do, well done.
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Re: Resumes

Moore Income ·
@Mexpensive when I wrote my resume, I had very little experience as I was just entering the work-force. I used an online resume creator online and was able to make a pretty nice looking resume by including things like the online business experience I had. I didn't think it mattered much but by putting things like my experience on social media in there, I was able to eventually land a job as a digital marketing specialist which I have had for just over 3 years now. Resume writing services...
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Re: In need of.

Moore Income ·
You may have better luck searching around locally (on Facebook or asking friends and family). Shipping on such an item can be quite expensive and might not be worth it depending on the condition. Also, in my case I have two laptops but I use both on a regular basis. Laptops are harder to come by but if you are able to come up with a little money, you may be able to find an older used computer at a thrift store or an estate sale or garage sale that might not cost too much.
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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: What's the best way to teach kids about money?

jmarr ·
I am very transparent with my kids. They are 12 and 13. We started telling them what things cost when they were 9 and 10. They sit down with me sometimes when I am paying the bills and I have gone over with them the importance of appreciating what they have and how much things cost. My son, the 13 year old, is grasping on a little faster than my daughter, the 12 year old. Now when he wants something, he looks at the cost and decides if he really wants it or if he thinks he will be bored with...
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Re: Where Else Can I Cut Expenses?

FinallySaving ·
Hello Jim F: A few things I've tried for those of us age 55+ are noted here. I retired at age 62 (not as young as many) and try to find discounts whenever possible. Re: Social Security: I don't recommend accessing Social Security prior to being elgible for full retirement unless one doesn't have a choice. With that, here are the discounts I seek out or receive. We have 2 cell phones through T-Mobile at a flat-rate of $30 each line with unlimited text, calls, and data (total for everything,...
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Re: Jail Problems

home base visitor ·
Are jail inmates allowed to have a phone? I doubt it. But I'll check. The families that qualify usually have the phones. This does not reduce the costs for most people. Most are working class families, living a few bucks above the poverty line. Those three million people in jail all have families, most work. Many of these people are innocent. That's why they have organizations like the Innocence Project. Thank you for your reply and your suggestion! I do appreciate it. Our prisons for profit...
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Re: You heard someone on TV say student loans are “good debt” that pays for your education and usually carries low interest. Go or no-go?

Motherof2 ·
My daughter a recent university graduate, received grants and worked full-time during college. However, she was still forced to take out a minimal amount of student loans. Technical and Trade school take advantage, by inflating the cost/fees and pressuring their students to take out excessive loans.
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Re: Hello new members!

Crissy Fultz ·
Re: Hello new members!
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Re: Hello new members!

Crissy Fultz ·
I’m also on disability can u suggest some of the side hustles to make a little bit of money I barely make it on my check thank u for your time
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Re: If Money Was No Object, Where Would You Travel and Why?

AverageJoe ·
Route 66 is a wonderful trip! I enjoyed it as a youth. I'd recommend it to anyone. My wife has never been. I know that some people want to get rid of Route 66 and take away another part of America's history. It doesn't cost a lot.
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Re: Family and Finances- How much did you learn growing up?

sthom ·
@Charlies girl I think we may have been raised similarly. I too am probably older than a lot here. My mom and dad were both babies in the Depression (1929) so I imagine they felt the brunt of it growing up as their families were probably very cost conscious...my mom in the country on a farm, my dad in a small city.
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Re: Family and Finances- How much did you learn growing up?

Moore Income ·
There is definitely a lot to be learned from other people's perspectives on finances. I am enjoying reading everyone's stories. Living below your means is definitely something that seems to go against the norms of society. Most of us grow up in a culture that is pushing us to constantly spend more than we earn and that prices things in "payments" rather than the actual cost. With the economy in the shape it is in, I am afraid many people are in for a rude awakening.
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Re: The Minimalists

Moore Income ·
@TheHannaLee Going on this trip has definitely provided some much needed motivation to downsize. It's crazy how much stuff you can accumulate just living in one place for any period of time. My parents are missionaries so when I was younger, we were traveling all the time and generally had to travel pretty light and were constantly downsizing. This helped me develop a good mindset about the true value of things. Besides that, just seeing stuff laying around not being used is sort of a...
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Re: Hello new members!

charlottel ·
Becky O'berg I am behind on reading but you have a very adventurous life, some of which I'm sure you could have done without.You ever thought of writing a book about yourself? I haven't read the book, The Richest Man in Babylon, but will try to find it at the library this weekend. I need encouragement. Just had to have mold remediation in house and replace bathroom vanities. It has been an ordeal and cost way more than I realized so now I have that to pay off. But at least I have new...
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Re: Hello new members!

mrsjaxrbtr ·
Hello, I'm new at Penny Hoarder and am surprised at all the many types of topics available on this site to either discuss for advice or assist with ideas. I am retired, am not yet eligible for SS, and I receive a modest retirement from where I worked for 32 years. We pretty much live on my husband's retirement and SS retirement income. In 2016 we refinanced our home and changed it from a 30-year loan to a 15-year loan. Big Mistake. My husband was working with another partner in a law firm...
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Re: Cell Phone Carriers

KellyFromKeene ·
I use Twigby for my kids- they do not have a smart phone and the calls and texts are unlimited. The monthly cost is $12 for each phone. I cant answer your data question.
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Re: Selling my Timeshare

MsKimberly ·
@Sharon S Metz How many people share the cost of one property and how much does it cost to own that share? How many times a year do you get to use it? Do you find it really cheaper than if you would rent?
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Re: The FAQ UnCertainity

dboothe ·
Hey, You're supposed to be encouraging us to give up all that extra cost stuff, but I think you just talked me into keeping my Netflix AND ordering Disney +!! Just kidding! I'll cut back on Christmas shopping, increase charitable giving a little, keep Netflix and NOT order Disney+ (until I give up Netflix).
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Re: What are some good books to read?

DMB ·
Unless you wish to outright own the books, I'd do a search and then request what you are interested in from inter-library loan. Most libraries are a part of this system; just check. There is usually a form to fill out and it might take a few weeks but the books do come in with no cost to you. I've found that the time allowed is about the same as checking out a book from the local library (about two weeks). Plenty of time to make notes. The only exception is that you cannot request a book...
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Re: Selling my Timeshare

Debra Benigno ·
Well, it’s a Marriott you get what you pay for. Your paying for the amenities they offer, guaranteed. Renting on a daily basis is way more expensive.
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Re: January No Spend Challenge

AnnMarie L. ·
Woohoo, DBOOTHE! Good for you! I’m Still spending too much on groceries for 2 adults & 2 dogs, so I need to do more meal-planning and stick to my shopping list to cut down on the second half of the month. Today I had to buy a new car battery (boo) BUT my dr. gave me samples for a new prescription medicine that would have cost way more than the battery (yay)! It’s so wonderful when things work out like that. keep up the good work...we’re halfway through the challenge. 😀
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Re: Future home and retirement

Jennifer Thurs ·
I've looked at condos, and they still cost too much in my area. I'd have to live in a bad neighborhood to afford one, or you might find a condo or house that's affordable but it needs too much repair work. I'm trying to get a mobile home right now, if the financing doesn't work out right now I'll have to save more money and wait.
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Re: Future home and retirement

maria rose ·
Be extremely careful in considering a mobile home. They are a bigger version of the tiny home--i.e. a home on wheels. Even if they are on a site (within a mobile Park, the cost of renting (you aren't buying the site just the home) will vary, plus you have to consider the long-range development of that specific sites. You are merely one person in that park, which works like an HOA only stricter. I had a mobile home in California, which was a great price to buy, but after I had brought it and...
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Re: Future home and retirement

Jennifer Thurs ·
Thank you for your well informed concerns. I did come across that same article about the grandparents and the grandson cant live with them. Some background about my situation. I am divorced with no children. The mobile home park that I am looking at is 1 of 11 that they own. I am looking at a used home that has been remodeled and the cost is pretty low. The lot rents in Wisconsin are in the 400s range.
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Re: Reloadable pre-paid debit card

JeremyM ·
If you don't mind not being able to get cash back at the register, the Bluebird card is free. It's from Walmart and is an Amex card. You can get money out at the ATM, but at the register it runs as a credit card, so you can't get cash back. There is no monthly fee, lots of free ATMs and no other fees. You can direct deposit to it, or load it at Walmart. You can also get family account cards. I got my kids each their own card when they were younger so I could give them lunch money while they...
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Re: Reloadable pre-paid debit card

Darla P Braddock ·
Check with your local credit union to see what they have to offer. I currently have a pre-paid Visa through my credit union for my daughter and it only cost $1.00 each time I add money to the card.
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Re: Inheritance

Gretchen Mann ·
I'm so sorry that these times are so difficult for you and your husband. I have some suggestions. Your credit card debit probably has the highest interest rate. I would pay this first and pay it off entirely. Your home mortgage will qualify tax deductions, so this is the last loan to pay off. The emergency fund is also very important to do at this time. Six to twelve months of emergency funds in a liquid vehicle would be appropriate. In view of this, you might want to beef up your emergency...
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Re: This week’s Community Announcements 2.7.20

Marie Nero Black Plumb ·
I cut out delivery of newpapers, magazines and soda pop, also I don't smoke so cigarette money is saved. If you take medications ask pharmacy if you can get straight from the manufacture company. Or call them yourself. Also stop going to the store for a few items. Do a good grocery shopping once a month or every two weeks, buy in bulk and freeze, also watch movies on TV rather than go to the theatre or go to the library where they are free. Go to senior centers they also are free for...
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Re: Financial Fitness February: Day 9

MsKimberly ·
I get a lot of cravings for pizza, and I wanted to order my favorite Pizza Hut Pan Pizza. Since that would cost so much money, I refrained and ate mixed vegetables. Great Value Rising Crust Four Cheese Pizza is $2.78. It is so good. I will be filling my freezer with pizza. I don't know how Pizza Hut stays in business. It is so expensive. I want to know who is paying the the big prices. If you have it delivered, it is even more expensive. I don't drive so I get those cravings if there is no...
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Re: Selling online as an income option?

FreebiePharm ·
Hi! I us tried out Mercari this week! It's convenient because they give you a prepaid Fedex label and you just drop it off. Very easy platform and they do most of the work. With the cost of shipping and a moderate fee, you probably don't earn as much of a profit as you would on another platform such as Ebay but the time to list and the work involved is only a couple minutes for Mercari. Worth trying out!
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Re: Stimulus check

Lynette Carothers ·
The question is good, but with one caveat, what if your SSD is below the threshold to file an income tax return? Many actually, most of us who are on SSD have not filed. I have even taken names and ID numbers of the IRS employees who have told me there is no reason to file. Is this practice going to cause a delay? Unfortunately, being disabled and in the "high risk" group the cost of every day things have put a strain on my budget. For example, just to have someone stop and get my garbage...
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Re: When will social security recipients get stimulus payments

maria rose ·
Hi Lorenda, I guess your level income and state requirements for filing taxes mean you haven't been filing taxes but IRS does have your information via those 1099 forms which you should get via the mail, yearly. You should be getting two-yearly letters/announcements from Social Security. One is the yearly notice on the amount you will get based on the COLA "raises" which also tells you the Medicare cost which is taken out of your benefit for some of us. This first one tells you, your monthly...
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Re: Long term effects of Covid-19

AverageJoe ·
@Veronica We are already seeing some of these things in our area. The cost of housing has skyrocketed, and to add insult to injury of being out of work with a "shelter in place" order, the Nashville and other surrounding governments want to add a 32% property tax increase to some of the highest-priced housing in the country. Ridiculous. They can't maintain a healthy economy with nobody working, or few to say the least, and they can't become solvent again by taxing people who have no money.
 
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