Mslovemovies posted:

Hey Everyone! My name is Janet Davis on FB. Mslovemovies on Instagram and LinkedIn & A few other sites. I had my own tv talk show in Detroit, Mi. I moved to Ohio and have recently graduated from Ohio Media School 12/17/2018. Then I became an Entrepreneur and I am the proud owner of An Online Beauty Supply Store.

weon1beautysupplybyjazz.americommerce.com

Hopefully thru sales this will help me to pay off my student loans. I've got my credit score from 540 to almost 700. I am so proud of that. I am currently trying to understand how to self publish my 1st book. And just going with the flow of opportunities that are coming my way. I am successful is my motto! I am so happy to be here! Thank u!

I've self-published a book on Amazon Kindle--they have a site with instructions on how to do that and I found them easy to understand.  You might also want to look into WritersMarket.com.

Ladyboss414 posted:

Hi everyone...my name is Stephanie, single mom from milwaukee Wisconsin trying to get out of debt, stop living pay check to paycheck, go back to school for IT (not sure exactly which specifically but I am a total tech nerd) or find a new career making more money than I do as a hairstylist. (Which now I’m in debt $20k after going to school for 1 1/2 years) 

Hi Stephanie, I'm Becky.  I'm taking some courses in designing apps for Android for free through Google--they might have some IT courses.  You can pay a fee to get certified, but I'm not doing that.  My goal is to learn enough to be able to design apps for local businesses.

Bonnie Squires posted:

I'm new here. We just scaled our house down. Moved from a house
that was 2100 square feet up and down in the basement and a hough
lot to a little over 1,000 square feet. The house is only 703 square feet
We will own this in 10 years instead of 30 years. Next year we will be down
to 2 kids hubby and myself and 2 my be 3 dogs. 

I'm looking to pay my credit cards off and my home. 
I'm disabled and so my husband. I'm his care taker and i do get paid
for this. But looking for some side hustles to help pay bills and debt 
off faster.

I'm looking forward to learning from this site. 

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.

BeckAtsila posted:
Ladyboss414 posted:

Hi everyone...my name is Stephanie, single mom from milwaukee Wisconsin trying to get out of debt, stop living pay check to paycheck, go back to school for IT (not sure exactly which specifically but I am a total tech nerd) or find a new career making more money than I do as a hairstylist. (Which now I’m in debt $20k after going to school for 1 1/2 years) 

Hi Stephanie, I'm Becky.  I'm taking some courses in designing apps for Android for free through Google--they might have some IT courses.  You can pay a fee to get certified, but I'm not doing that.  My goal is to learn enough to be able to design apps for local businesses.

Hi Stephanie and welcome to the community. I've been in IT for 19 years and I'm a level 3 support tech for Dell Inc. If I can be of any assistance pursuing a career in tech, please let me know. We can also connect on LinkedIn, and I can pass some job opportunities your way!

Hello! I'm Kelly and I'm employed FT in the Human Services field, and a single mom. I  love my career and my kids and living in New Hampshire. My only debt is student debt, but that's a killer! I'm looking forward to networking with you all, and learning some more practical ways of saving money, making money, reducing debt, and living a wisely frugal lifestyle. I know what works for me, but that's not always what will work for others- and I'm always passing ideas along to the people I work with. 

I am so glad I read the email for this community! I love Penny Hoarder.

I am a full-time working mom of 3 who wants to crush my debt and save up for our next house!

As much as it is difficult to face, it was important for me to visualize my debt:

Credit cards: $13,553.21 down from $20,000 in just the last few months

Student loans: $124,524.44 (haven't touched this yet)

Medical bills: $6,897.41 down from $24,000 in 2 years

Car $31,892.96

Although I am just starting on this journey, I try to stay optimistic about the progress I am making while also commending myself for having more savings in my life than ever...

Savings: 7 months worth of income

Good luck on your journeys, fellow Penny Hoarders!

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.

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.

Hi everyone, I have been with the Penny Hoarder for quite some time. But never really introduced myself. I'm an affiliate marketer, aspiring writer and blogger from South Africa. Been making some extra money on the side with ClickBank for some time now. Not a dotcom millionaire though...not yet. But working toward that. And luckily I'm stubborn enough to refuse to give up. 

Also made some money on the side by publishing eBooks with major online bookstores like Amazon and Kobo. Making money online is quite exciting, but rather time consuming. The key is to focus on how much you can learn, and not how much you can earn.

Melissa posted:

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! 

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. 

KellyFromKeene posted:

Hello! I'm Kelly and I'm employed FT in the Human Services field, and a single mom. I  love my career and my kids and living in New Hampshire. My only debt is student debt, but that's a killer! I'm looking forward to networking with you all, and learning some more practical ways of saving money, making money, reducing debt, and living a wisely frugal lifestyle. I know what works for me, but that's not always what will work for others- and I'm always passing ideas along to the people I work with. 

And right you are @KellyFromKeene, there is no such thing as a "one size fits all". Which is why generating an extra income online can sometimes turn out to be quite a bit more challenging than most people anticipate. 

My personal favorite is blogging with affiliate marketing. Which can be pretty addictive once you get the hang of SEO. But it's also a road less traveled because it must be one of the most time consuming methods. But rather rewarding I have to add.

Kenny Mathe posted:

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.

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 brought me to where I am today (7 years later). With the exchange rate and Rand/Dollar value, the sacrifice can sometimes be almost unbearable. Just glad I'm stubborn enough to refuse to give up.

MissyD posted:

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.

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 affiliate marketeer from South Africa, and can tell you that very few "money generating concepts" actually work. But it also depend on the level of commitment and applied effort. 

FreebiePharm posted:

I am so glad I read the email for this community! I love Penny Hoarder.

I am a full-time working mom of 3 who wants to crush my debt and save up for our next house!

As much as it is difficult to face, it was important for me to visualize my debt:

Credit cards: $13,553.21 down from $20,000 in just the last few months

Student loans: $124,524.44 (haven't touched this yet)

Medical bills: $6,897.41 down from $24,000 in 2 years

Car $31,892.96

Although I am just starting on this journey, I try to stay optimistic about the progress I am making while also commending myself for having more savings in my life than ever...

Savings: 7 months worth of income

Good luck on your journeys, fellow Penny Hoarders!

I think we share the same gratitude @FreebiePharm. The Penny Hoarder is most certainly the place to be. One of the most engaging audiences I have had the pleasure to come across online. I'm an aspiring blogger and affiliate marketer which is also my side hustle. I'm also an Electrical Projects Manager in our family business. 

Staying optimistic is important, I have to agree. Which is why it is so important to find what you love doing most. Because then it will be impossible to give up. 

Jana posted:

Hello, everyone.  I'm Jana.   I'm a brand new blogger.  I have a money-saving blog with discussions and resources on how to save money by getting freebies and winning prizes online.   I've saved so much money doing this, and love to share how with others.  My financial goals are aimed at being able to reduce my work hours (at my 'outside' full-time job) in 2019 and to be able to quit that full-time job in the future.  

Welcome to the Penny Hoarder as a fellow Blogger Jana. I too have been involved with Blogging for quite some time, but more specifically WordPress. Been quite an exciting journey I must say. Allow me to share with you a free tactic I use to automate blog ping and indexing activity. 

Automating a Blog Ping can be done through simple setting changes from inside the WordPress C-Panel. Exploring the WordPress C-Panel opens a whole new world of possibilities. Hope this helps you on your Blogging journey. Wishing you all of prosperity and success.

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!

 

Amber151718 posted:

Hello, my name is Amber. I'm a stay at home mom, trying to save some extra cash for my 3 beautiful children, considering it's extremely hard to get out of the house and find work with 3 babies!! I'm a new member and not exactly sure how this works.

Hi @Amber151718 and welcome to the community. The Penny Hoarder is where people read about ways to generate and save money. The Penny Hoarder Community is where the discussions happen, because you cannot comment on the Penny Hoarder Blog or Website. 

Start by completing your profile and add a profile pic to invite better engagement. And then engage with the audience through commenting.

Amber151718 posted:

Hello, my name is Amber. I'm a stay at home mom, trying to save some extra cash for my 3 beautiful children, considering it's extremely hard to get out of the house and find work with 3 babies!! I'm a new member and not exactly sure how this works.

Happy to have you in the community, @Amber151718! Right now, if you have any questions or would like to share more on any specific financial topics, you can "create a post" under any of the forum topics we've created and other members will do their best to help answer your question or share their own experience! 

If you're looking for something specific, you can try the search bar at the top of the page or take a look at our resources tab for articles dedicated to specific topics: https://community.thepennyhoarder.com/pages/resources

Feel free to reach out with any additional questions! I hope this is helpful! 

pikushi posted:

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!

 

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. 

Jana posted:

Hello, everyone.  I'm Jana.   I'm a brand new blogger.  I have a money-saving blog with discussions and resources on how to save money by getting freebies and winning prizes online.   I've saved so much money doing this, and love to share how with others.  My financial goals are aimed at being able to reduce my work hours (at my 'outside' full-time job) in 2019 and to be able to quit that full-time job in the future.  

Hi Jana,

I love freebies & prizes too.  It really helps my budget & my family likes the adventures!

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 current, family-sized house in April, for which we currently have two bids (April is a better month to sell in our area...more $).  We will be retired at 55 and 60, completely debt free.  One of our children also has a chronic illness. We did the above by always making sure we could completely pay for whatever we did, and not "keeping up with the Jones'".  Does your phone work? yes? keep it, don't trade it in.  Use 0 interest/0 transfer credit cards to your advantage. Learn to DIY (youtube is a marvelous resource). Coupons, doing without, buying the second best of whatever it is, borrowing rather than buying.  Every little step helps.  I love Starbucks, but the only $ I put on my card are rewards from survey sites; after all, that's free $ and Starbucks is a treat...not a necessity.  Good luck to all Penny Hoarder Members...you have taken the first step to being debt-free, simply by following this website. 

Hey there! I'm Emily, an advertising account manager here at The Penny Hoarder. My big financial goals this year are to rack up my savings and get over my fear of increasing risk in my 401K portfolio. Hoping to learn more penny saving tips and tricks here, and maybe even share some of my own! 

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?

Hey! I'm Erick Perez and I'm currently fully employed as an estimator in the telecom industry working with scopes of work that range from $50k to $15 million. Crazy! I'm 26 years old and trying to get on top of my short, mid, and long term buckets. Always looking to help those around me who may not fully understand things I've had the chance to learn about through personal experience including trial and error. I'm huge on giving things a shot. Biggest goal at the moment is buying a house this year!

Eric, buying a home is a great thing to do. I know that many financial guru's say that buying a home is a "liability", and it is, to a point. But, it's also an investment. For us, it will help us to be able to retire when we downsize, selling this home for either a condo or something else. I've seen many who are "self-employed" use their home as their 401K or IRA, and for most it's worked out great. This is our second time buying a home, and we've been in it for 15 years. There are 15 years left to go, but we will have it paid off sooner, Lord willing. We'd like to retire back home to GA with members of our family being there, in SC and FL as well. Tennessee is still a bit too cold for us at times. Good luck, and welcome!

Kiersten, having to go through a bankruptcy is NEVER a fun thing to do. My wife and I were forced into one when I went disabled in 2000. It wasn't until 2001 that we had to file. We lost our home, our cars except for a clunker we had and many other items. Most of the items listed on our bankruptcy were medical. We hated to do it and thought we'd never get over it. But, we did, and I did what I could to help my wife since she had become the primary breadwinner of the family. We did things we NEVER thought we'd have to do...buying less expensive bread, shopping at flea-markets and dollar stores, Aldi's  or Save-A -Lot food stores, couponing, etc. When she had a weekend off and I was able to walk without being dizzy, we would dig through dumpsters or along side the country roads and pick up cans to turn them in for cash. Back then, cans were selling for 60 to 70 cents a lb., depending on where you took them to cash them in. It was rough, but it made us better people. Keep doing what you can to help your husband. I'm sure he appreciates it. Bankruptcies are often hard on a marriage, so if you're a follower of the Lord, cling to the Lord first, your husband second, and do what the Lord tells us all to do in the Bible. It works. Blessings, and welcome.  If you have questions, I'm usually free to answer within 24-48 hours. 

Hello everyone my name is Wendy I amI am so glad I found your community I have a little bit of knowledge with helping people pay off credit cards and their they're home mortgage early all by themselves anyone can do it It just takes discipline and you can do it for free so please don't get taken by any of these companies out here selling a a product you can all by yourself absolutely free. That being said I am looking for new & different ways to make money and save money I already refill items I find at thrift stores but I know there's much more I could be doing. I am recently divorced and and this is a big scary world when you're newly single. I can't wait to talk to all of you and get started learning new ideas & strategies!!!

ThrifTchic posted:

Hello everyone my name is Wendy I amI am so glad I found your community I have a little bit of knowledge with helping people pay off credit cards and their they're home mortgage early all by themselves anyone can do it It just takes discipline and you can do it for free so please don't get taken by any of these companies out here selling a a product you can all by yourself absolutely free. That being said I am looking for new & different ways to make money and save money I already refill items I find at thrift stores but I know there's much more I could be doing. I am recently divorced and and this is a big scary world when you're newly single. I can't wait to talk to all of you and get started learning new ideas & strategies!!!

Welcome, Wendy! We're so happy to have you as a member of our Community =) We've got tons of amazing members who are happy to help answer any questions you have -- and we can't wait to hear some of your pay off strategies! If there's anything at all you need or have questions about, don't hesitate to reach out. 

ThrifTchic posted:

 I already refill items I find at thrift stores but I know there's much more I could be doing.

I would love to hear about your experience in selling thrift store finds! You should write a post about it. What stores do you shop at? How do you know if it will sell? How do you sell it? Do you market your products?

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