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Re: Hello new members!

Nicole ·
Hi! I'm Nicole from Canada. I'm a stay at home mom that loves to save money, couponing & contesting (sweepstaking). My goals are to live debt-free while life keeps sending us curveballs that use up all our savings so that we need to start again. I like to save money for camping & travelling too.
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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: Giving up cable -- what's the best replacement option?

BGriff ·
If you're a little tech savy, you can build an UNRAID media server out of an old PC. Then join a Usenet service for $10-20/month. Setup PlexServer and Sonar(simple through the UNRAID Docker service) on the media server and download the TV programs that you want to watch from Usenet via Sonar. There are many video tutorials on YouTube on how to do this. If you are a TV junkie and watch many programs daily this might not work well for you, but if you only like a few shows a week or like to...
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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: Hello new members!

AverageJoe ·
Hi, I'm Average Joe. My wife and I are nearing retirement age (within the next 10-15 years). We need to rebuild what two companies have destroyed so we can possibly retire by 70. I'm disabled, and my wife is working. We just want to be able to live, even if below our means. We've done that most of our married life. We've got 15 years on our home to pay and 3 years on our car. We just want to be financially free!
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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: Hello new members!

AverageJoe ·
Moore Income, glad you're starting early. We did, and we kept on for a couple of years. Then family emergencies, moving, long distance trips that had to be made, ate up everything. We also worked for some businesses that didn't quite make the grade in honesty and integrity and lost our shirts. Stock prices went down and they kept investing our 401K's in these stocks and before we could move them, they were practically non-existent. Live and learn. We're near the retirement age now and...
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Re: Hello new members!

Sonbunny ·
Hello everyone! My name is Sonya and I live with my 3 sons out west in Colorado. Im a massage therapist and a widow. I am always looking into ways to possibly save some money or get a good deal. I have really enjoyed alot of articles on this site. Look forward to meeting new people and learning more!
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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: 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?

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: Philo TV

Ladyboss414 ·
So it’s kind of like cable but cheaper? Or more like Hulu/Netflix but live?
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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: Down Payment on a House

Duckie425 ·
I live in Pennsylvania. Every Winter I say to myself, "Why am I still here?" I hate being cold for sure. I've been looking at Arizona as a possible place to move in the future.
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Re: Philo TV

Peter ·
I tried this one out as well. Not a bad option for $16/month! The selection on Hulu TV live is larger, but you get what you pay for. Has anyone tried Pluto TV? Looks like it's completely free and makes their money off of advertising. Might try it out...
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Re: Hello new members!

mdouglasf ·
Hello, my name is Marlone from Illinois. I have been a subscriber to the site for years now (even submitted an article). It's great to see a community has started now. Can't wait to rub brains with like-minded people. My biggest goals include enough disposable income to live comfortably, and to buy a house. MDF
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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 ·
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: How To Save Money on Groceries

Nicole ·
I agree Sid. I made my own baby foods, pureed foods for both of my kids. They were eating very similar meals to my husband & I, just in a different form. We have a backyard garden as well, so it was fantastic to use my own fruits & veggies. Now that my kids are older, they love to snack around the backyard! Even if you live in an apartment, you can grow herbs, lettuce, green onion, etc on your window sill and if you are luck enough to have a patio, a tomato plant is fun, colourful...
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Re: How To Save Money on Groceries

Former Member ·
Excellent idea there about backyard garden. We live in an apartment but I think the balcony is sufficiently large to grow some vegetables. I guess now I know how I'll be spending my entire Sunday today.
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Re: Reading Goals

Qsusan ·
My goal is to read one book a month. Sometimes I do 3 in 2 months. I also read financial blogs and Kiplinger magazine. Education is a life-long endeavor! My favorite financial book so far is by Elizabeth Warren, "This Fight is Our Fight." It really summarizes how people live, how we got here, and what we need next. Her other book, "The Two-Income Trap," is also excellent. I actually own both. I check out books from the public library and I purchase my own copy when I find I LOVE them...
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Re: Hello new members!

Kenny Mathe ·
Hello, Everyone I'm new and I live in South Africa working as a Security Guard not earning much I want to learn more on how to save and pay my debts life is not easy as I'm trying to look for the second income so that I can pay my debts and give my child a better education.
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Re: Hello new members!

MissyD ·
Hello to all Penny Hoarders. My name is Deborah and live in Virginia. I am retired and on Social Security and I am all for saving money tips. I use coupons, buy sales items, shop at the Dollar stores, thrift stores, etc. It would be nice to have a work at home job on the computer.
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Re: What is the worst financial advice you've ever received?

Moore Income ·
I think some of the worst advice for making money a lot of people talk about and is kind of the first advice you run into when you get started online. That advice is to go and do surveys and use other similar sites. While these all have their place, when you really look at how much time it takes, and how little you get, it is really not a viable way to "make money". You would be much better off just getting a second job that you only worked 1 hour a week. I am pretty sure you would probably...
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Re: Hello new members!

Deon Christie ·
I'm also from South Africa @Kenny Mathe . And so right you are, many South Africans are struggling with the same situation, shortage of cash-flow. As an aspiring blogger and affiliate marketer I can assure you there are ways to generate a little something on the internet. But it requires a lot of dedication and time, and in most cases even a little financial sacrifice. I remember how I had to save for months in many cases. Just to be able to afford the training programs and hosting which...
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Re: Hello new members!

Deon Christie ·
There are endless ways to generate a little on the side @MissyD . But you have to take extra care, especially on a tight budget. One tip I can offer is to always be sure whatever you're planning to purchase in an attempt to make some money online. Comes with a full refund guarantee, because there are way too many copy/paste marketers these days. If they do not offer a money back guarantee, then they may not have quite enough confidence in the offer. And neither should you. I'm a blogger and...
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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: Hello new members!

AverageJoe ·
Tecas, don't be afraid to ask questions, give any advice that you have from experience, and jump in. This is is tremendous resource for those who want to learn how to become and live debt free or even retire early.
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
UPDATE: I am extremely happy with HULU Plus with Live TV. I get the news channels I like to watch plus Live TV and can watch on any cell, TV, Tablet, computer I own. It's $49.99 for everything I want and like to watch instead of getting 50 million channels I don't care for. Yes, I pay for internet on the side $70 promotion for a year for fiber optics and yes it's very fast. After the promo is done I think it goes up to $80 or $90 which I will then go with a lower service. I really don't need...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
Update: Love Hulu Plus Live TV ($49.99) (I get all news channels, plus a plethora of must watch channels, i.e., HGTV, H, ID, FX, Nat Geo, TNT just to name a few. Still have Netflix ($8.99), but not too happy with the movies on there, so I will probably cancel it. Love Amazon Prime for the obvious reasons ($10.00) and ATT fiber optics internet for $70.00 promo 1 yr. After promo I believe it will go up to $80/$90 which I will then maybe go to a lower fast internet. Unless you have a home...
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Re: Hello new members!

Leah Caldwell ·
Hello, My Name is Leah Caldwell and I'm from New Jersey...I want to learn how to budget, coupon, and live Financial Freedom with my small business I started. I started my small business because I can no longer work in corporate world with all my illnesses that broke me down in the last 2 years...I need to recoup my saving acct I been living on and get back to life. Anyone is a couponer and what do you do to save money on limited income?
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Re: How Did Your Upbringing Shape Your Relationship with Money?

AnnieB ·
I was raised broke, getting hand me downs from family members and living on government assistance. I got married and spent money like there was no tomorrow. Ended up in financial trouble. Now the pendulum has swung back the other way. I'm trying to pay stuff off and live life with a whole lot less stress.
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Re: Hello new members!

Bonnie Squires ·
@Leah Caldwell hi nice to meet you. i live on a fixed income. With husband myself and 3 kids and 3 dogs still with us. I try to keep meat at $2 a pound or under and I'm just learning to coupon again. If your on facebook I know some one who does coupons. All so there are some members on her that coupon. If you like to chat you can message.
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Re: Grocery Shopping - How far away is your usual store?

Bonnie Squires ·
@Former Member Where I use to live which was about half hour from here they was good for cereal,canned food,house hold items. I didn't buy much frozen food there and they didn't have produce there either. It was a small store. Now where I'm living i really like this dollar general it us to be a walmart store which closed down and so the dollar general brought the store because it was bigger than they had here. This one has gas. It has fresh meat which isn't bad at all and produce which i've...
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Re: Grocery shopping for lower prices

Bonnie Squires ·
I use the Dollar Store,Than the store in town and where we use to live our son still works there so I use that store. Like this week they had lettuce and tomatoes for .99 cents 10 pound beacon for $14.99 and cans of tuna .59 bread for .59 cents to. I got 20 pounds of hamburger meat for $40 Than chicken legs are on sale for .69 cents a pound. so i don't think i did to bad this week
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Re: How Did Your Upbringing Shape Your Relationship with Money?

Bonnie Squires ·
@AnnieB thank you. He still has to go in for 2 more stents and get a biopsy down on his lung to see if he has cancer. Yes we do live similar lives our youngest son was born a month early to. He now 16 years old. If you like to chat you can send me a message
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Re: Grocery shopping for lower prices

ERoberts ·
Hey there, @Isabel! I used to drive all around town for groceries too and often think to myself if the lower prices were worth the time, energy, and gas I was expending. I now live about 300ft from a publix which made my previous habits seem a little ridiculous. I only shop at Publix now, and I only buy things that are on sale. I have a Publix account online (free) and it gives you early access to the sales that will run from the next Thurs-Wed. This helps me plan and save! I spend about $30...
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Re: Grocery shopping for lower prices

Leah Caldwell ·
@KerryE ...I wish I had extra storage and a freezer..I live in a small 1 bdrm apt and space is a issues..that would probably save money because I only have my Lil freezer space and fridge .
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Re: The Financial Benefits of Living Your Best Life

Anna Matetic ·
My "living the best life" kind of conflicts with your article, but still fits. I pay for an NHL TV subscription. I am a huge hockey fan and, luckily, live outside the market area (MN resident who is a Pittsburgh fan). This is a big part of my social life - watching games with friends. However, instead of spending money periodically at sports bars and only getting to watch a few games that way, I spend in one year for the NHL TV and Hulu TV monthly app a lot less than I spent at sports bars.
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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: Go check out (and answer) our first survey!

Rob Loftus ·
An interesting question indeed! One cannot, upon finding a $100 dollar bill on the ground, shout out, "Did anyone drop this?" Because everyone is going to say yes. So, bearing in mind I am debt free, live on 50% of my NET income and am completing my 6 month emergency fund with the remaining income...hmm...I would have to say I'd call the point of contact at my local homeless shelter and ask what they need the most for the folks they are housing and feeding. Then I would use that $100 I...
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Re: Head of household

Lisa Eichinger ·
You would file married. Either married file separately because he did not live with you or married filed jointly. You can take your mom as "other dependent", but you can't claim head of household anymore because you are legally married. Does that help?
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Re: Hello new members!

Lola ·
Hello. I am a retired senior. I live on a very small income but I''ve had a small income all my life so I get by. My only goal is to add a small increase to my finances so I won't have to do so much "getting by".
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Re: Hello new members!

Bonnie Squires ·
LOLA NEW PENNY HOARDER 1 DAY AGO Hello. I am a retired senior. I live on a very small income but I''ve had a small income all my life so I get by. My only goal is to add a small increase to my finances so I won't have to do so much "getting by". Welcome to the community. I understand about living on a small income. If I can help in any way please let me know.
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Re: Hello new members!

Deon Christie ·
I think I may be able to help you ladies @Bonnie Squires , @Lola . With two sites I recently discovered that pay for review tasks and watch videos then share your opinion. I'm still testing because it's a recent discovery (I'm constantly testing tactics and strategies to make money online). So whether it will work for you I can neither confirm nor deny. The sites are USERTESTING(DOT)COM and ENROLLAPP(DOT)COM . With User Testing you will need a microphone because you need to talk and review...
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Re: Hello new members!

Maggie M ·
Hi, I'm Maggie. I live in Columbus, OH. I have two 2 dogs named Cookie Monster and Callie and I have a roommate named Ben. I am really glad I found Penny Hoarder. I have no idea how I started receiving it but I have found the emails to be incredibly helpful. I'm not great with money and at 35 I feel like I should be better. I have used a few tips I've learned in the last several months since I've started reading Penny Hoarder. I now use a budgeting app and I have a few apps that help me get...
 
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