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Tagged With "credit cards"

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AverageJoe

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Re: Hello new members!

Melissa ·
Hey there! My name is Melissa. I'm a Community Relations Specialist at The Penny Hoarder. My primary financial goal is to pay off my credit cards!! Credit cards can be amazing but they make it so stinking easy to over spend. A follow up goal of mine, is to track my spending on paper each month and stick to a limit. This way I'll remember each credit card swipe and hopefully I won't rack up credit card debt like this again!
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Re: Hello new members!

Jules ·
Hey everyone! I'm an SEO Specialist for The Penny Hoarder. I'm currently working to pay off some credit card debt, and I'm very excited to join you all on this journey!
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Re: Hello new members!

Deon Christie ·
As an SEO specialist at the Penny Hoarder, allow me to say " Outstanding Job! ". I would be over the Moon if my blog could be 10% as popular with regard to search traffic.
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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: 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: Newest member

Scotirish ·
As I recall, they did. At the banquet we had a Q & A exchange and surprisingly, or maybe not so surprising the parents of the kids had many more questions then the kids themselves. Other community members got involved as well providing tickets to a Sox/Yankee game and donating more baseball card books. The students all received Certificate of Achievement Awards This was all done with just the thought of an idea and follow through and an amazing thing was born.
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Re: Hello new members!

Deon Christie ·
I know the feeling @Melissa . Also landed myself in the hot water with credit cards a few years back. In fact I paid them all up, and cancelled them. Then worked up a little money on the side. This way I have never really needed credit cards again. I'm a blogger, aspiring writer and affiliate marketer. Which is also how I managed to generate that little backup cash on the side.
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Re: Hello new members!

pikushi ·
Hello, everyone! My name is Jenny, and I am from Schaumburg, IL. I am currently working on paying off my credit card debt! I started last April with about 21k in debt, but now I am at just a little under 14k. Penny Hoarder has given me a lot of great ideas for paying off debt as well as changing my mindset toward finances. Right now, I'm in the process of transferring most of the debt over to card with no interest on balance transfers - another idea I got from PH!
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Re: Hello new members!

Deon Christie ·
Welcome to The Penny Hoarder Community @pikushi . And a great site indeed, I have to agree. This is a very active community I have to add, and growing rather rapidly.
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Re: Hello new members!

Maureen Sullivan ·
Hello friends, I am Maureen and I currently live near Charlotte NC. My husband and I are what all Penny Hoarders would call a success story. 22 years ago he was a student, teaching part-time, I was a sales rep, we had a toddler and another one on the way, we received WIC and we had no insurance. Fast forward to October 2018: we bought a 100 year old farmhouse on 2.5 acres, which will be paid off in two years (there is a penalty for paying it off sooner than that). We will be selling our...
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Re: Reading Goals

Melinda Longtin ·
I do not have specific reading goals, but I read and write all of the time. As a blogger and a poet, it is important to constantly be honing my craft and keep learning in general. However, I have a book ownership goal: Read and sort through/donate enough books to make it possible for all of them to fit on my bookshelves. Nice sources for free or inexpensive books: OnlineBookClub. They provide books in their daily gift card giveaway contests (Reading samples of or downloading the books they...
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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: Get Paid to Open Bank Account

Deon Christie ·
I'm not familiar with the area @Wen Dee . I'm in South Africa. But I do know that Payoneer will give you $25 on your first deposit of $100 or more. And your debit card get delivered at your door. Service fees for an account is $3 per month. Just let me know if you need more info. Hope this helps.
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Re: Hello new members!

MissyD ·
I don't owe but on one credit card and that will be paid up the end of this month. When I first posted on Penny Hoarder I was looking for a work at home job. I have seen nothing about one since except one man posted they all are not what they seem. I am not looking for public work. I have worked 37 years and no more public work. I was a CorrectionL Officer then after I retired I worked as a substitute teacher for a year. That was enough. I would now like something at home. I coupon and look...
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Re: How Many Bank Accounts Is Too Many?

KellyFromKeene ·
I'm laughing at your headline because i was just discussing this with someone yesterday. I have about 10 as well, and with 3 different banks. Some of them have a single purpose (reduced car loan interest rate at a particular bank if I use direct debt, so there's account just for that), one for each child that I put $10 in each payday, and others that are more general. There's obviously one that I use for everyday stuff- general bills and debit card. I love the different accounts! I use...
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Re: Hello new members!

Martha R Lopez ·
I recently put a fraud alert on all the credit report's because I received a card that .I was in a class action lawsuit and. I haven't heard from them ye.but I started receiving alot of inquires and .I didn't realize what was happening until .I got overwhelmed with all these letters of denied action and my credit score has lost alot of points on the account of all this so. I don't know what to do from here .I need help so IF you can let me know what do. I do from here Thank you Martha Lopez
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Re: Hello new members!

Martha R Lopez ·
Hi I get emails all the time from class action lawsuits and .I seen there was one for correction officer's so you might want to look into it you will get some money if you apply you have to do it soon because they close them and your not able to apply .have a nice day
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Re: Have you found a "Money Buddy" yet?

FreebiePharm ·
After we close on our house in a couple weeks, my next goal is to pay our $14,000 in credit card debt down to ZERO! I think I should give myself a timeline...thoughts? Would that increase or lower my motivation?
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Re: What's the best way to teach kids about money?

Shannon H ·
I began being transparent when my daughter was 16. I let her see the budget, the income and how it all worked. She is now 27 and I have heard a few times over the years that 'adulting is hard'.... However, she created a budget based on the regular income and is working hard to pay off student loans. She has no credit card debt and I couldn't be prouder of her!
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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: Hello new members!

Kathy J Anderson ·
Hello, I'm a semi retired mom of two grown children and am looking to find a way to create passive income, as I'm currently not physically able to handle a normal day job. I lack education so there is that problem although I do have a degree, it's from the stone ages and would have to go back to school to be current now. That is not an option, so here I am. I'm a writer but my skills are not good enough to become a freelancer or anything like that. I can write poetry real well, though. I've...
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Re: Hello new members!

nwrigs ·
Hello. My name is Nicole. I have followed Penny Hoarder for quite a few years and I had some big credit card debt up until about 3 years ago. Now my goal is to continue no to low debt, have money to travel, and save for our childrens' college. I would love to do a blog some day but just seems overwhelming on where to start no matter how much I read or research and don't want to put too much money into it up front. Glad to be a part of all this.
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Re: Hello new members!

Mathmommie ·
Hi All, I’m a full time public school teacher, new home owner with a mortgage, and mom to #twounder2. My husband and I have completely different budgeting philosophies. I have over 100k in student loans. He has $0. We some minor credit card debt as we have leveraged 0% interest offers to make a few major purchases (new bed and computer), but other than that pay our balances in full each month. We also deal with constantly changing income as my husband is a part-time community college prof,...
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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: Family and Finances- How much did you learn growing up?

KellyFromKeene ·
I didn't have any 'formal' money instruction when I was younger. We had stable housing, and dad always had a decent FT job (mechanic); money was tight but to my knowledge, bills got paid. I now know that my parents always had credit card debt and my dad continues to work in his 70's. I have made plenty of money mistakes, and now I have two children of my own. I want to pass on better money habits than what I had when I was younger. I am very aware of how I speak about money, and how I budget...
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Re: Hello new members!

Reynolds J ·
Hi everyone. I'm disabled living on a fixed income. I use a great deal of coupons to make ends meet. I'm always looking for ways to save money and make money. Also looking to make new friends.
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Re: Family and Finances- How much did you learn growing up?

MountainFan ·
@Annette V. I can totally relate. The first time I remember my parents talking about a credit card was when I was like 21. They had paid off the balance but said something like "if you don't have fun now, you'll just be older and wishing you did." It was confusing to me. I opened my first credit card in college and did phenomenal with it for the first three months- because I forgot I had it! Reading up on finances is really enjoyable to me, but I tend to get stuck in a rut of just reading,...
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Re: Selling sports cards

Adam ·
Hey, @Omar J Torres ! Similar to selling Pokemon cards, the experts I spoke to said that eBay is likely the best market for card hobbyists. To check if your cards are valuable, there are price guides available on the Professional Sports Authenticator website. They can also grade your cards' condition and mount them in a case, if your collection has particularly rare cards.
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Re: Grocery receipts

Moore Income ·
I have just started doing this again. Since I do delivery with Instacart I am able to get extra receipts and earn even more points from them. It doesn't add up to much, but at the end of the day it does add up to a little bit of essentially "free" money. I currently use: ReceiptHog Receipt Pal and Fetch Rewards I already have enough points to redeem a $3 Amazon gift card on Fetch Rewards after only a few days but I am holding on for a bigger reward.
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Re: Grocery receipts

mintjulep ·
I've only tried Ibotta and Checkout51 so very interested in other apps that PH fans are using. I love Ibotta because I can link my grocery store card with the app and no longer have to upload receipts unless I'm shopping elsewhere. I'm not real happy with Checkout51 at the moment. I bought a new Motorola mobile phone last winter and CO51 app is not compatible with the phone. I've been back and forth with CSR and they have come up with a patch, but the patch still does not work on my phone.
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Re: Hello new members!

Veronica Purcell ·
Hello All, I'm interested in getting a handle on my finances, so that I can have a good budget; pay off debt; save for emergencies; and be able to travel without putting it on a credit card and taking a long time to pay it off.
 
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