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Eslam Gamal

Eslam Gamal
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ALICE STEWART

ALICE STEWART
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Re: Hello new members!

Nathan Taylor ·
Hey Nicole how do you plan on becoming financially free? Do you have a coach or a community that is not online to keep you accountable? Do you have the tools needed to make your dreams and goals come true?
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Re: Hello new members!

Nicole ·
Hi Nathan, Do you have any suggestions of apps or tools? So far, I keep accountable to my family & bank account. My situation is a little different.....I used to work in the financial industry actually. I'm a SAHM because I have a son with medical needs. Like most parents, I will spend any money it takes for my son to be healthy & happy. So our lives detour but we were still able to get lots of trips in last year as well as the unexpected 3 weeks hospital stay without incurring any...
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Re: What are some really effective ways to boost a credit score?

Men On A Budget ·
Great Question! According to the research that I've done and my experience with helping people remove errors from credit reports, the more you pay and the sooner will reduce your utilization rate the moment it posts (subject to next update of credit reporting) so "all at once" would quicken that for you. The rest of the factors, as you will read in this recap article, are not affected. The sooner you pay the less interest you are paying; however, to avoid needing credit and having to pay...
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Re: Giving up cable -- what's the best replacement option?

Ken Lyons ·
DirectTV Now is an awesome alternative. Recently, they featured a deal where if you prepaid for six months, you received a free Apple TV 4k. The plans are very simple to understand. The streaming works well, but you may have to upgrade your internet speed. https://www.directvnow.com
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Re: Giving up cable -- what's the best replacement option?

Khiemosabi ·
I cut cable out about 5 - 6 years ago and never looked back. My favorite service is Netflix and with its current run of original content, it provides a ton of entertainment for roughly $11 a month. In addition, I share a spotify account with my girlfriend and because she's a student, we get access to Hulu. That is $5 a month. Lastly, I rounded my it all out with amazon prime video, which is $119 a year or $10 a month. My total entertainment cost is $26 a month which is far below any cable...
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Re: Giving up cable -- what's the best replacement option?

Men On A Budget ·
Hi.. Welcome to the Community! My wife and I have reduced our cable "bundle" from the bill-us-all-you-can package down to internet only, from around $180 per month down to $55 (including home phone VOIP service) with zero regrets and less than zero loss of quality programming because we now have more options... what to watch and when to watch is completely up to us. That $125 of savings has found much better uses elsewhere in our budget. First of all, I cannot thank you enough for the...
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Re: Giving up cable -- what's the best replacement option?

Men On A Budget ·
Alexis : I am researching the options that you have for Soccer (UK) in order to provide you with a more concise response to your specific needs. Can you tell me what channels you are currently accessing that give your husband the games that he's most interested in? I don't want to research three hundred UK based cable subscription channels in an effort to reinvent the wheel when you two already have the answers that I need to save us both time and trouble. /rayt
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Re: What are some really effective ways to boost a credit score?

Drumtrip ·
@Briana I used to work for a credit card company! Some of the best ways to quickly boost credit scores. 1) Don't close credit cards, especially your oldest one. Instead you can just shred the card if you never intend to use it. This keeps your credit line open on your credit report. 3) Ensure you have enough credit, this sounds counter intuitive but having the right amount of credit in good standing shows that you can handle it and helps in the algorithm, even if you pay it off every month.
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Re: What are some really effective ways to boost a credit score?

Briana ·
These are all great tips! Thank you so much! I was always questioning whether I should close one of my cards or not, so now I have my answer.
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Re: What are some really effective ways to boost a credit score?

Drumtrip ·
@Briana It is a balance, you want to keep your credit utilization low, you don't want to have too much credit, and you don't want to have too little If you have too much then closing an account is fine, just don't close the oldest one, that is actually a factor in calculating your score (at least in the older models). I suggest using something like creditwise from Capital One, its free, you don't have to have an account with them and it gives you tips!
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Re: Giving up cable -- what's the best replacement option?

Fru-Gal ·
Hi Alexis—We are also in the process of ditching cable. I’m a bit of a researcher when it comes to these things so I’m happy to share a little bit of what I’ve learned so far... 1. If you have more than one TV in your house, you need a plan for each TV, depending on how you use it and it’s age. For example, we have a smart TV in the main living area and a “not smart” TV in the bedroom. We’ll probably go with an HD antenna for network channels (news, etc) plus a streaming box (Roku) with a...
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Re: Giving up cable -- what's the best replacement option?

William Bailey ·
Does Hulu provide the Fox Sports channels (FS1 and FS2 I believe)? It's for fox what NBC Sports is to NBC, and CBS Sports is to CBS. If I'm not mistaken there's a BRITBox streaming service available in the US now. I assume that even if you are subscribed to Hulu you can still pay the minimal subscription fee for BRITBox if it's available as a separate add on service for ROKU, not necessarily for Hulu itself. I don't know if the FOX sports services are free or not, but CBS in monetizing the...
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Re: Hello new members!

Nathan Taylor ·
Great website but may I state that hope is not a strategy. How do you plan on driving traffic to your site? What is your goal to get rid of your debt? What is the timeline for creating your book? All great things you are stating in your postl. Your site is really good you have a great niche. Just wondering if you need help getting your website off the ground with some money. Let me know if you want to connect and discuss an action plan to make things happen for you.
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Re: Hello new members!

Nathan Taylor ·
Re: Hello new members!
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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: Hello new members!

Lealip13 ·
Hi everyone my name is Lea and I am new to Penny hoarder. I have recently started my hand at running an online business actually an online thrift and craft store. I am working hard at being able to.make a living using my passion and things that bring me joy, make me.smile. Thank you for bringing me into your community I have a feeling it's just where I need to be.
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Re: Who taught you your most important money lesson and what was it?

AverageJoe ·
If we tithe to a local church, how do we pay ourselves first? Should we come directly AFTER the church, and then bills, food etc? Just curious on your take on it.
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Re: Who taught you your most important money lesson and what was it?

Moore Income ·
Good question. I personally view tithing as giving back a portion to God in thankfulness for what He has given me. Therefore I would apply the principle of paying myself first after tithe. For those of us who do this, it means we have to learn to live off of only 80% of what we earn instead of 90% but I think it is a good way to learn to live below our means. And if you practice the principle of tithing first, you can trust God's promises in His Word to take care of those who holds Him in ...
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Re: What are some really effective ways to boost a credit score?

AverageJoe ·
All at once is the best way to go! We did it, and we've never regretted it for a minute. We'd rather have that money going into the bank every month than into interest to another bank for what we borrowed. After the crash, the banks raised everyone's interest rates with promises to lower the rates. This wasn't the case. By taking away that interest payment on what you had borrowed, you're not only showing that you can get out of debt, you're showing your disapproval with the way they lied...
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Re: Hello new members!

Moore Income ·
Hi all! I am really enjoying being a part of this great community of people coming together to help each other navigate the huge topic of finances. My name is Jon Moore, I am 23 years old and I just got married in July 2018. My wife and I have a little bit of credit card debt to pay off (3 months is the goal) and then a car loan. I have recently been reading a lot of books about personal finances and learning principles such as paying yourself first, living below your means, investing in...
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Re: 5 Things to lookout for when seeking to make money.

Moore Income ·
All of these are great ideas when trying to earn extra income. I agree that surveys, etc. can be a big waste of time and really are not worth it. I did want to add that when it comes to getting a second job, working at a fast food place isn't your only option. I personally deliver food in the evenings for BiteSquad as a way to earn some extra money. Depending on where you live, there are many different "on-demand" and "gig economy" jobs that allow you to earn income with a lot more...
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Re: How Do You Do Your Taxes? Yourself or Someone Else?

Lisa Eichinger ·
Sorry. @Moore income: turbo tax and H&R block are still good places to do taxes on your own cause they will walk you through everything online. It will generally be up to you if you want to pay to get them done and how much you are willing to pay. Credit Karma also offers free tax filing if you have an account with them. Even with the changes in your life in the past year, it won't make things too difficult in the tax aspect if you decide to do them online by yourself.
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Re: How Do You Do Your Taxes? Yourself or Someone Else?

Moore Income ·
@Lisa Eichinger Thanks for the clarification. I was hoping that would be the case but wasn't sure.
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Re: Who taught you your most important money lesson and what was it?

Sewspcl ·
My mother. She always said make a trash small. Save your pennies, pick up a penny. Water down everything to make more including soup, spaghetti sauces, gravies. We made and popcorn and VHS tapes to entertain ourselves. Always pay yourself 1st period try saving $50 a week by the end of the month you've got $200. If not weekly try bi-weekly. Don't throw out old clothes just cut them up and make a blanket or throw. Being thrifty doesn't mean being cheap. Because you always end up with more...
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Re: Who taught you your most important money lesson and what was it?

Sewspcl ·
Pay yourself 1st then pay your bills and tithing. Is not ego it's economics. If you get sick because you're not eating could you can afford food but you going to church every week who are you helping? Let go of ego and pay yourself 1st. Then get back to others. Make sure the church that you are giving to does not squander your money on wines and fine china like my church did.
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Re: Save Money on Travel

LaKisha Dillingham ·
Hopper (App) and Google Flights allow you to monitor the price of airfare for your destination and recommend when the ideal time is for you to purchase tickets.
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Re: First time home buyer

Alexis Grant ·
A few pieces I learned from my own experience buying homes -- once in Virginia, another a few years later in Florida... You see realtor fees when you SELL a house, but not when you buy. When you sell, you have to pay a percentage to your own realtor and to the realtor of the buyer. I bring this up even though you're looking to BUY because my first time around, I didn't realize what a big hit this would be when we sold a few years later. Because this piece didn't affect us when we purchased...
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Re: Problems smell money

Moore Income ·
I totally feel ya! It does seem like when you are getting to a good place financially, something comes up and sets you back. I personally have started implementing the "Pay Yourself First" principle, which I learned a lot about in the book "The Richest Man In Bablyon" Somewhere else I read that this amount (typically starting with 10%) that you pay yourself is supposed to be completely separate from even your emergency fund etc. I can see how this might be difficult and require some...
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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: Down Payment on a House

mintjulep ·
I've had a lot of experience in buying homes and your question, Moore Income, depends on so many other circumstances. It's ideal to put as much down as possible sometimes , ie if this might be your last home, or you get a better long term interest rate, or if that is the only way to qualify for a mortgage. However, if you tend to move a lot, or you are a young couple with limited cash reserves, or you do some juggling often with available investment funds, I always believe the least amount...
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Re: Down Payment on a House

Moore Income ·
@Former Member What kind of a loan would you get those kind of down payments with if it is your first home?
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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: Hello new members!

AverageJoe ·
Hello Bodyguard5280 (Mark). You'll be in my prayers, since I've seen the "C" word in your statement. Welcome to the pennyhoarder pages. I hope they can help you as they've already started to help my family. Have you started looking into any ways to set aside any money (even the least amount can help) for the future?
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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: The Community is Growing!

Moore Income ·
Nice to meet you Kyle ( @Kyledbarber88 ) Look forward to your contributions in the community.
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Re: Penny Pincher

BeckAtsila ·
I learned how to cook Asian food at home--pretty easy to do since I work in an Asian restaurant--and no, I'm not a cook. You can whip up a pretty good meal with rice, vegetables, soy sauce, fish sauce, and eggs. Fish sauce might be hard to find, but I know Amazon has it. And I live in Indianapolis but can find it in the corner grocery store. Fish sauce is key to giving your fried rice that "takeout" taste.
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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 ·
I'm disabled, too, and I've found mystery shopping to be an excellent source of income. I also write and proofread. I don't know about your SSDI status, but you might want to look into an ABLE account so you don't get penalized for saving money.
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Re: Buying your first home? Here's what you should know.

BeckAtsila ·
The government has a program called ABLE Accounts for people on Social Security Disability. Basically, if you meet certain criteria, you can put your money in an ABLE account and it won't be counted against your resource limit. The downside is if you die with any money in the account, the State gets the money. It also has limits on what you can spend it on. But it's better than nothing and may actually help some of us get off the dole.
 
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