hi, I have been receiving the Penny Hoarder emails for awhile now and really enjoy them.  I saw mention of joining this community in today's email and .... here I am !   Looking forward to learning and interacting !

Dianna

Hi guys this Diana and am glad to be part of this beautiful community, am looking forward in changing my present fenicial life to a better one .

Hi guys this Diana and am glad to be part of this beautiful community, am looking forward in changing my present fenicial life to a better one .

Hey, I'm Misty!

I'm a stay at home mom but looking to get back into the workforce. Currently, we are debt free and plan to stay that way.

 

Misty posted:

Hey, I'm Misty!

I'm a stay at home mom but looking to get back into the workforce. Currently, we are debt free and plan to stay that way.

 

Hi Misty,  I"m a stay at home mom too.  I'm not looking to get back into the workforce at this time, but am very interested in hearing about your journey.

Hi, I am a new member. I am married, with adult children and 1 adult granddaughter. I retired in late March with a generous voluntary severance package. We are debt free, except for a small mortgage. My husband is still working. We have a fully funded emergency fund of about 2 years plus. I am looking to be more frugal, and save more money. I like to coupon. I hope to pick up more tips to live a frugal lifestyle. 

Welcome to the community @Veronica! You have come to the right place to find helpful tips on frugal living! Glad to have you here and look forward to seeing you around!

Hi fellow Penny Hoarders! I've been a fan of this website for a few years now, and I've used a few of the strategies from here with success. As a young adult, I'm looking for general personal finance "health" help, especially right now because I'm in between full-time jobs (although I still work on weekends). I look foward to learning as much as possible from all of you!

Hi @Maya welcome to the community! You're in the right place to get help and answers to your financial questions! 

  Men On A Budget posted:

Hi Fellow Hoarders of Pennies! My name is Ray Taylor Tetreault. I'm a retired savvy senior shopper (and saver) in the Cleveland Ohio area. I've been a "conversation starter" on Facebook's Penny Hoarder Community for a while and really enjoy communicating with like-minded individuals. My wife and I have recently become (almost) debt-free with the exception of paying our car in a few months and a five year plan to rid our mortgage. I have a huge database of tips, tricks, treats, tweaks and tools to present to you. Take what you need and leave the rest... there are no one-size-fits-all plans. Looking for resources? Hit me up! The only dumb questions are the ones that are not asked. With THAT said... let's chat!!!

 

Good morning   So, I also believe that the stupidest question is the question that you don’t ask. 

So, where would I even go to get the information on what and who, to get information on how to make extra money for debt relief?  And who to trust 

Nicole posted:

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.

Do you ever actually win anything from the sweepstakes?  I got more and more email than I could go through on a daily basis. So I quit applying, because the phone and emails were unbelievable. So, is it worth it?

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, so pay changes semester to semester and no pay over the summer. 

My financial goals are paying off our cars and credit cards, building an emergency fund, and being able to afford landscaping and regular maintenance. 

Hello, my name is Igor Lima, and i`m a very blessed person to work with what i love so much, which is the sport of Gymnastics !!! Always loved the valuable tips the penny hoarder always have to give. Im looking to get out of the paycheck to paycheck cycle and stop getting my account overdrafted so often. Enough is enough and from now on i`m really comiting myself to do something and finally change once in for all. Looking forward to exchange how that goes and trying to get myself more self discipline in order to succeed. 

Hello, my name is pronounced Son-Yin and I’m from Toronto, Ontario in Canada. I’m currently on a Consumer Proposal to pay off my debt with 4 and a half years left. I have a disability and currently on government support, but looking to find a way to make an income instead. My wife I have a 6 week old baby girl. We’re trying to save and get our finances in order to hopefully stop renting and buy an affordable place we can call home that meets my accessibility needs. I use a Microsoft Excel spreadsheet to budget and keep track of our monthly cash flow.

Hi @Sue! It's okay, we like lurkers too But if you did ever have a question or like to share information with the rest of the community, we'd be happy to hear it!

Son-Yin posted:

Hello, my name is pronounced Son-Yin and I’m from Toronto, Ontario in Canada. I’m currently on a Consumer Proposal to pay off my debt with 4 and a half years left. I have a disability and currently on government support, but looking to find a way to make an income instead. My wife I have a 6 week old baby girl. We’re trying to save and get our finances in order to hopefully stop renting and buy an affordable place we can call home that meets my accessibility needs. I use a Microsoft Excel spreadsheet to budget and keep track of our monthly cash flow.

Welcome @Son-Yin! Do you like the excel sheet you currently use? I've been looking into other budgeting methods as well.

Hello everyone, 

My name is Yvette,  I work for the Department of Defense, supporting the United States Marine Corps. I am a former Soldier. I am currently in the process of trying to save because I have started my medical disability paperwork. It has been very hard, as I am single and support my 27 yr. Old daughter and my grandson.  

 

VBriana posted:
 
 

Welcome @Son-Yin! Do you like the excel sheet you currently use? I've been looking into other budgeting methods as well.

Excel is OK but I would rather use a mobile app. Does anyone have any recommendations for Apple iOS?

I’m new to this site. My goals are:

I wanna pay off all my debts, and make as much money in the next 7 years, so that I can take care of my disabled Mother & Uncle. One I do that, I may retire, or keep working

I am reading a lot of books on Investing, Self Improvement, Health & Fitness, etc. The most important thing that I’ve learned so far is that in order for me to accomplish the goals above, I HAVE TO CHANGE MYSELF FIRST

Hi I'm from Bowling Green,Ky.  Looking forward to meeting new friends in BG or other cities. I am disabled ( hearing) can't use the phone and having a horrible time finding a part time job. I also have a bad back and neck so a standing job or lifting job is out of the question.  I just feel useless to the working society. 

 

I have been there in that same position. I still cannot work outside the home, and even in the home, except to write, give advice from what I've learned in life and to try and help others. That's what we're all here for...to help others and to learn from others. You're not useless if you can think, type and listen, God bless,

 

Hello everyone,

My name is Dave. I am the father of two girls, a marketing student on the cusp of graduating with my associates degree and an intern. I am here to learn how I can increase my income and manage my student loan debt. I look forward to being part of this community and doing what I can to help. 

Finch posted:

Hello everyone,

My name is Dave. I am the father of two girls, a marketing student on the cusp of graduating with my associates degree and an intern. I am here to learn how I can increase my income and manage my student loan debt. I look forward to being part of this community and doing what I can to help. 

Hey there! So happy to have you in the community! 

Have you already started paying back your student loan debt? I started by doing a few of these things that The Penny Hoarder actually wrote about! https://www.thepennyhoarder.co...dent-loans-off-fast/

Hello my name is crissy and I’m on disability and I barley survive on my small amount I get monthly. Does anyone have any suggestions on how to make some extra money online . I would be forever grateful 

BeckAtsila posted:

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 store--I have a very memorable Jimi Hendrix-themed lamp for sale.  I'm currently saving up for a vacation to Iceland and after that plan on starting to save up to open my own restaurant.  I live in Indianapolis and love the low cost of living but not the cold!  I've been homeless twice due to abuse and am proof that anyone can save money with the right materials.  I just finished reading "The Richest Man in Babylon" and plan on reading it once a year.  My best money saving tip--get a library card.  Most libraries have a wealth of knowledge even when you don't factor in the books.  For example, the Indianapolis-Marion County Public Library has a seed library for gardeners, the ability to check out e-books, CDs and DVDs, and Internet access.  Everything I know about investing I learned from the library.

 

BeckAtsila posted:

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 store--I have a very memorable Jimi Hendrix-themed lamp for sale.  I'm currently saving up for a vacation to Iceland and after that plan on starting to save up to open my own restaurant.  I live in Indianapolis and love the low cost of living but not the cold!  I've been homeless twice due to abuse and am proof that anyone can save money with the right materials.  I just finished reading "The Richest Man in Babylon" and plan on reading it once a year.  My best money saving tip--get a library card.  Most libraries have a wealth of knowledge even when you don't factor in the books.  For example, the Indianapolis-Marion County Public Library has a seed library for gardeners, the ability to check out e-books, CDs and DVDs, and Internet access.  Everything I know about investing I learned from the library.

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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