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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: Payday loans - essential or evil?

AnnieB ·
Payday loans prey on the poor and minority population. They are evil. Source: I used to work for one. Quit the job because I could no longer live with myself. We were taught to battle objections for paying back the loan. We had an entire BINDER on collections practices. I have seen employees take checks to the bank to convert the check to a cashier's check when clients did not come in to pay the loan. I have seen employees who would ask the questions of bank tellers, "Is this check good? If...
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Re: First time home buyer

FreebiePharm ·
Melissa, We are currently in the process of purchasing our second home and have hired an inspector ourself. We had the option of hiring separate ones that do the general inspection and then looking for ones that check the sewage system. I cost analyzed each and we saved a little bit of money by going with the inspector that does it all. We chose to have a general inspection, sewage, radon, water, of which the total cost is $1,240. Another cost to purchasing a home! We will do the walk...
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Re: Looking for Part-Time Jobs for Weekends Only

Moore Income ·
@Vanessa I guess having a system for doing it would be pretty helpful. Thanks for sharing!
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Re: Curious: If you had $10k start up cost, What business would you start?

Moore Income ·
@Adam this is true! Starting a business can be extremely profitable because in most cases they have done most of the hard work for you and you get to plug in an already profitable system. Chic-fil-a is a good one. They just recently opened one in my city of Fargo and business has been booming there since day one. Dunkin Donuts is also another popular one that is growing in recent days! I love getting coffee from Dunkin, unfortunately they do not have one in Fargo yet. With more popular...
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Re: What's the best way to teach kids about money?

Olivia ·
I think you've got a good system in place. It will teach them not to spend beyond their means and to work for what they want. If you want them to save, explain why you want them to save. And discuss what they think would be a reasonable amount. Some of the things you hope they learn from you is to be wise with their money. They may have to learn by trial and error once they are on their own, but you have given them a framework to build on. Not many kids have that.
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Re: Budgeting as a Couple

RayB ·
This worked for us at one time while my wife and I were working. We had different income levels and paying bills from the combined incomes was sort of a hassle. What we did was work out a budget for monthly expenses and then figured what percentage each of our incomes was of the total household income. We applied that percentage to the budget items, used an envelope system to set paycheck amounts aside and we both contributed to the bills according to our incomes. This eliminated the "who...
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Re: If Money Was No Object, Where Would You Travel and Why?

KellyFromKeene ·
I was thinking about this again today, and I would add the National Park system to my bucket travel list. Acadia, Grand Canyon, Rocky Mountain.... I want to see it all.
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Re: My townhome is just a money pit

charlottel ·
The house was empty before I bought it. The owner moved out when he bought a new house but I don't know how long. My inspector did not report any mold and he was very thorough but I will have to check my home inspection report. He included pictures with issues but I don't recall anything about mold or pipes being an issue except for lines going to and from water heater and the old HVAC system being installed wrong and were corrected. I will contact our management company of the HOA to see if...
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Re: Budgeting tips

Lillie ·
The envelope system is good just have to use a app for recites keep track of everything
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Re: Family and Finances- How much did you learn growing up?

Annette V. ·
We grew up in Brooklyn, NY. I do not recall finances as we grew up. No credit cards, mortgages or car loans. Although my father worked, we were the working class poor. Dad handled the money and my mom took care of the savings and check writing. We did not have an allowance or knew how to do anything with finances since we never were taught what does it entail. Whatever we learned was when we left home. Each of us have our own system, but practically live paycheck to paycheck. I have done a...
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Re: Family and Finances- How much did you learn growing up?

Gabby ·
For most of my life my family was always below the poverty line. My dad was the only income source but things got rough when he got laid off in my teens. All they ever taught me was to only use cash and to try to never be in debt to anything or anybody. Neither had gone to college and retirement was more a fantasy than an actual goal. Now I have a daughter and I'm trying to teach myself and her the financially healthy traits we BOTH need. I have a budgeting system but I'm not good at it yet...
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Re: Family and Finances- How much did you learn growing up?

AverageJoe ·
Mountain Fan, I was raised in a large family...I had two brothers still living, a third died six hours after birth and was the twin to the sister we lost to breast cancer in June. I also had three sisters. I was the oldest since, though I do have a brother and sister I've never met from my adoptive father (my mother's second husbands children from his first marriage) and then two brothers and a sister from my biological father's fourth marriage. I lived with my mother and adoptive father,...
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Re: Budgeting Apps?

KellyFromKeene ·
I love the Budget Mom's Budget by Paycheck method. If you don't want to purchase it online, you can download many of the sheets on Pinterest. I'm using much of the system and its really working for me, although it is time consuming in the beginning getting used to it.
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Re: How to pay off medical bills?

kittykat1960 ·
It is so sad that in this country people have to be faced with such difficult situations regarding medical care and its cost. Everyone deserves to have the medical care they need/deserve and not have to choose between paying the bill or buying groceries. Something in this country needs to change and we need to eliminate corporate welfare so that the wealthy pay their fair share of taxes so that we can have an equitable healthcare system.
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Re: need to make extra money

jen.$aving$.in$outhFL ·
Hi Amanda- you & me both- looking to make extra $- I know people don't want to clutter the market w/ tips so that they can make $ too, but I don't mind sharing what I've done so far- (in the name of neighbors helping neighbors and putting positivity out into the world and all of that...) What's worked really well in early at least an extra $125/wk as long as I answer every lead and follow through with it (you'd be surprised at the large # of calls/ texts you will receive) for me, and for...
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Re: Suggestions for the best type of loan for home purchase

Cindy Tyson ·
The mobile homes are on the 1.5 acres. The property originally was owned by the landlord's parents and back when there were few if any restrictions on how people used their land, their daughter put a mobile home on part of the land. She lived there for a while with her husband and children until they bought land and built a home. Many years later the county grandfathered in existing mobile homes and regulated that only double wide mobile homes could be set up on land in the county. Other...
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Re: Suggestions for the best type of loan for home purchase

Cindy Tyson ·
I believe so because they are getting $200 a month lot rent from them. Although, they have been late numerous times. The landlord was surprised when I said I would give them a move date once I took possession of the property. I personally don't want the hassle of taking care of the septic system for the mobile home. I have even spoken with the tenant about buying the property and the problem I am having because of the mobile homes on the land. They said if that was a problem they could move...
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Re: Student loans!!

Cindy Tyson ·
My son is also fighting the uphill battle with student loans. He says it seems like every time he gets a pay raise the interest rate on his student loan goes up. Between that and health insurance he feels as though he will never get his paid off either. He is employed with a public system but he will hopefully have his paid off before he is eligible for any reduction.
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Re: Living off $720 s month

AverageJoe ·
@KKimberly I am so sorry to hear of your struggles. I have to say that this was quite similar to our situation back in the 1980s and '90s. My wife could work part-time, but I couldn't keep a full-time job at all. I had to keep jumping from job to job, and at times had to go out on my own and collect cans by walking the sides of the backroads and highways, dumpster diving and living off of that, my wife's meager income and the income from the aluminum cans and batteries (car) that I would...
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Re: how to get a loan

[email protected] ·
Hello Penny Hoarders. If anyone can help me understand a medical bill I received from visiting the emergency room at a hospital in Fairfax County VA. I spent 4- 5 hours at the hospital, received a scan and an X-ray. A few weeks later I received a bill from the hospital for $10,000 plus. I was completely shocked about receiving a bill for that amount after spend no more than 5 hours at the hospital. (I do not have insurance because I cannot afford to pay for it along all my other bills and my...
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Re: Experian Boost

Leslie Kay ·
It is FREE on the Experian website. It will give you credit for any regular bill, such as utilities or insurance premiums, that you have paid regularly over the past 3 out of the past 5/6 months. So, anything that you pay on monthly. The amount you pay doesn't seem to affect the reporting of a positive credit transaction. The system will ONLY show items that raise your score. Then you can choose which items you want to keep reporting on. Now it only raises your score on your Experian report...
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Re: Side hustle from home

Adam ·
Teaching ESL is definitely a legitimate industry, and many companies like Cambly are recruiting teachers to hold classes online. The "off" part your wife may have felt was that many teaching websites (because demand for ESL teachers is so high) have a commission/recruitment system for teachers. Some teachers get a small boost in pay by recruiting new teachers to the platform, which can lead to sometimes exaggerated claims. Just make sure to do your due diligence before signing up. For TPH's...
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Re: New A/C Payout Now or Finance Later?

Jimi ·
I have a very similar situation myself. My HVAC system is 29 years old and it's living on borrowed time. 7K to replace everything and I'm going to do it. I figure the sooner I start running something efficient I'll be saving money due to the higher efficiency of the new unit, so I'll be saving money every month. The power company sends out monthly "usage" figures and they say my house consumes 42% more energy than the houses around me.
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Re: Hello new members!

redcatcec ·
Thanks Joe, you are right, the deadbeat parents need to be accountable. You raised a good point about adoption and the foster care system, many thanks to you and your wife for taking these children in, it had to be rough and with your background a great deal of compassion was shown to them. There are stop-gap charities and food banks to assist during rough times, hopefully you will seek them out. Maybe the dept of social services can guide you.
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Re: Hello new members!

AverageJoe ·
@redcatcec We were in the process of adopting two of our foster children when a liberal judge was elected and sworn in. Our two foster sons didn't want to go back to their mother, and she had fled the state to live with her sister in FL, leaving not only them, but their disabled and mentally challenged sister. The sister was sexually assaulted when the father of the youngest boy got drunk and the neighbor came in and committed the crime. The mother NEVER followed the guidelines to get her...
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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: Side hustle from home

Leslie Kay ·
I assure you that I am not receiving any credit or commission and I am not intending to recruit anyone. I am just sharing one way that readers can make money from home. Cambly does not ask tutors to recruit. They may have a referral bonus program but I am not aware of it and have not included any link or info to get myself any money.
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Re: FICO Score

Bayou Jen ·
Congrats on paying off the debt! Don't let the drop stop you from being responsible with your money. "Having low credit utilization (30% or less) is good; having no credit utilization may hurt your score." ( Nerdwallet link ) Credit utilization and on time payments are two of the biggest factors that make up your score. Companies lending you credit want to see that you'll make payments regularly, and on time. So when you pay it off all at once, there's not much history for them to go on. I...
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Re: Being a Match Maker.

Ryline ·
We met purely by accident. I seen she had a big heart that I first noticed, but could tell she has had bad & mentally abusive relationships in the past. I just got outta a 7 year relationship so the timing was great for me. If you were to ask her, she said I was both gorgeous on the inside and gorgeous on the outside. This was almost 8 years ago. She has helped me stay healthier and be more goal oriented for when we decide to have children soon. And I taught her how to become her own...
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Re: How do you get great deals at Thrift Stores?

redcatcec ·
The thrift store near us goes on a system where you get further discounts because of the price tag color. If the day is Tuesday and the color is purple customers get 50% off-they do not broadcast the color until the opening of the store, making it fair for all. What is disheartening is they go through with a large cart and if items have been on the shelf too long, they just dump it into the cart and there is major breakage. I don't have a good solution for this waste, but so sad to see it...
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Re: How do you get great deals at Thrift Stores?

redcatcec ·
That's great they can trade articles! But that costs money to do that, someone either has to volunteer or they have to pay to move the items. Which ever it is, it works for them. Maybe a mutual transport system of some kind, like a barter. The local thrift store here has had some major re-vamping, it needed it, now well organized, well lit, and not a cluttered mess like it used to be. Always room for improvement.
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Re: Pay all bills on one day or spread throughout the month??

redcatcec ·
We pay the credit card once/month and pay it off in full, the cc has on it the everyday purchases, gas, any eating out, groceries, insurances, comcast, and insurances. The remainder-utilities & phone are paid by my husband-he keeps track of & pays online, which is something I refuse to do. This system gives structure to expenses and we are not caught off guard with panic to pay something where we may have missed a date, resulting in fees associated with the overlook. The cc due date...
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Re: Pay all bills on one day or spread throughout the month??

GinaH ·
@triplea87 I'm confused by your mention of NSF fees. Maybe I didn't explain my system clearly. I get paid weekly and I transfer a portion of my rent payment to a savings account. (I also did this when I was paid every 2 weeks.) Moving my rent money out of my main checking account made sure that I didn't spend that money and it was available when I needed to pay my rent on the 1st. The automatic transfers to savings accounts are the few $ I set aside to save up for: Pet bills, Car...
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Re: Pay all bills on one day or spread throughout the month??

triplea87 ·
Ah yes, sorry...I should have been more clear. I understand your system and I think it's very effective. I was referring to @Maryann 's autopay methods for bills that are not on CC. While I like the convenience of autopay in theory, it has caused me too many NSF fees in the past.
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Re: Financial Fitness February: Day 10

Moore Income ·
@JeremyM sounds like you have a pretty good system in place now for getting stuff in and listed. I am starting over since I took a pause to travel the US with my wife but I do have quite a bit of stuff that I stored away that I need to get out and get listed.
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Re: Financial Fitness February: Day 10

JeremyM ·
I have to have a good system or my place will quickly look like an episode of hoarders!
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Re: Hello new members!

Anne Smith ·
Well hello back, redcatcec from Maryland. It's nice to be so welcomed! I have NO CLUE how I contracted the bacterial meningitis. I just know that at the time I was going through a treatment to get rid of my Hepatitis C. Now this was in the old days, back when they were using Interferon and such. Not the new Epclusa, which is what my husband used to get rid of his (bless his soul!) and that's PROVEN to work! Now, Interferon strips your immune system down to nothing and slowly rebuilds it, and...
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Re: Coronavirus - options after getting laid off

Leta Muncie ·
I open accounts for an online shopping club. People shop every single month so it is a great way to create some residual income. We have products that address peoples' current health concerns: hand-sanitizer, anti-bacterial soap(s), disinfectants; along with products that will boost our immune system. People order and it comes directly to their door. No fighting the crowds of hoarders. I have been with the company for many years. I help people open their account. This is a great option for...
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Re: IRS stimulus payment

Marjorie Ferrini ·
I checked yesterday and got the same response, as did a friend, who clearly qualifies. I think the system must be overloaded, and perhaps this is the response for those accounts they haven't gotten to yet. But, that's just my guess. Everything is pretty chaotic, imo.
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Re: IRS stimulus payment

lismox ·
It's a glitch I believe because the system is overwhelmed. I had to try applying like 10 times until it went through.
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Re: Watts Zappening? (Saving Money On Energy Costs)

Men On A Budget ·
"Shift Your Habit" by Elizabeth Rogers is part of my keeper collection of books. Although an older title, much of the information is as pertinent today as the day it was published...
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Re: Watts Zappening? (Saving Money On Energy Costs)

Men On A Budget ·
Are you leaving your computers and appliances on or plugged in 24/7 even when you are away from home and/or sleeping? Why not get in the habit of unplugging rarely used items like toasters, computer printers and even unnecessary cordless phone handsets? What if you start to use the power saving features on your computers and turn off those surge protectors for the sixteen or more hours each day when not used and even more when not used daily? How often do you make toast? Why not make a toast...
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Re: Watts Zappening? (Saving Money On Energy Costs)

Men On A Budget ·
I found this Vampire Calculator from Duke Energy that I want to share ... This cool tool says it best, " Slay Your Energy Vampires The average U.S household spends $100 a year on plugged-in electronics they aren't using. Spooky, right? Tell us what you've got, and we'll show you how much you could save by pulling the plug." https://www.duke-energy.com/en...e0XbV6nyD9RLAzKXuYj4
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Re: Watts Zappening? (Saving Money On Energy Costs)

Melissa ·
This is so cool and easy to use! I thought you were joking but it really is called the Energy Vampire Calculator.
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Re: Watts Zappening? (Saving Money On Energy Costs)

Simbalittle3 ·
We've installed several smart plugs since joining OhmConnect and now reduce a large portion of our passive power usage
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Re: Watts Zappening? (Saving Money On Energy Costs)

Men On A Budget ·
Note: I have communicated with people who have had energy audits (free) from their electric suppliers and who have been given some cool freebies... smart bulbs, surge protectors and even one who was given a free replacement Nest Thermostat. Everyone's mileage may vary but it does not hurt to ask for the free audits just for the professional testing and advice on ways to conserve energy and money.
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Re: Watts Zappening? (Saving Money On Energy Costs)

Simbalittle3 ·
Yes years ago my neighbor did that and she was given a Free refrigerator
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Re: Watts Zappening? (Saving Money On Energy Costs)

Bonnie Squires ·
i unplug the toaster and any other small thing that the kids have plugged in. Changed lite bulbs to. Even the newer computer have a energy mode on them now
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Re: Watts Zappening? (Saving Money On Energy Costs)

Kathy Luchka-Zahansky ·
Check with your utility to see if they offer rebates for upgrading to energy efficient appliances and/or LED light bulbs. Some utilities give them away for free. Some will even give you power strips that have a "sleep" mode if you forget to turn them off. They want to get load offline, so they are happy to help you reduce your KWH usage.
 
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