Briana posted:
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/

Hi Briana, 

Thank you for the welcome and the helpful advice. I have bookmarked the page.

 

Hello,

I am Jerica from Michigan. I am a Guidance Counselor.  My husband works for Amazon and we have had custody of my deceased sister's four boys for the last five years.  I am interested in helping them to start off on the right food with their finances. We are also trying to move our credit back to over 700 again. It was great when we bought our home 8 years ago. But life happened and we are on the upswing now. 

Hello, MRSMCBRIDE. We're happy to have you here on PENNY HOARDERS! Those children have been lucky having someone want to take them and love them and to teach them the basics in financial concepts. We look forward to hearing more from you and how you're progressing. Blessings.

Hello, Everyone. I'm Junryl from the Philippines. I am so happy to be part of this community where I can share the things that I am going through right now. I am an email/chat support specialist with Earnin App. I just want to save up, earn more and find my money's worth. I want to live a comfortable life someday. I always dreamt of sleeping in an airconditioned room when I'm still a kid and still having the same dream now that I am an adult. I always believe that poverty can never be a hindrance for someone to succeed, but my struggles are real! But I am not giving up! I will always fight for my dreams!

I was quite hesitant to be part of this community because I am way too far from the members of this group knowing that I am from the Philippines. But when I'm reading through the website, I told myself that this is the avenue that will welcome me and accept the who I really am. 

Hoping to develop a good relationship with everyone here!

Thank you for welcoming me!

 

 

 

 

Junryl Lampazo posted:

Hello, Everyone. I'm Junryl from the Philippines. I am so happy to be part of this community where I can share the things that I am going through right now. I am an email/chat support specialist with Earnin App. I just want to save up, earn more and find my money's worth. I want to live a comfortable life someday. I always dreamt of sleeping in an airconditioned room when I'm still a kid and still having the same dream now that I am an adult. I always believe that poverty can never be a hindrance for someone to succeed, but my struggles are real! But I am not giving up! I will always fight for my dreams!

I was quite hesitant to be part of this community because I am way too far from the members of this group knowing that I am from the Philippines. But when I'm reading through the website, I told myself that this is the avenue that will welcome me and accept the who I really am. 

Hoping to develop a good relationship with everyone here!

Thank you for welcoming me!

 

 

 

 

Welcome aboard!  I'm Becky from Indianapolis--my boss at my restaurant job is Filipino and I've fallen in love with your food.  There's nothing quite like fresh lumpia with coconut vinegar (that's my go-to dish at the restaurant), and chicken adobo is good, too.  We've got members from all around the world, so don't be shy!

Hi @Sean Great goals and a great reason to work hard to improve your finances. I am sure you will go far in the next 7 years!

@Lanasuehal Welcome to the community. I understand it can be frustrating to be in your shoes, but I don't believe in any way shape or form that you are "useless to society" as you said. We all have unique circumstances and gifts, maybe you just haven't found out yours yet, but don't give up! If you don't quit, you will eventually find the perfect thing for you! Maybe try finding ways to make an income on the internet? There are lots of ways that don't require you to stand, lift or even speak on the phone. Keep your chin up! 

@Finch Welcome to the community! You have definitely come to the right place. Look forward to seeing you around more!

@Crissy Fultz Welcome to the community. If you have any creative skills (writing, graphic design, editing, etc) you can always sell services online on sites like Fiverr and Upwork.

I personally am a huge fan of buying stuff and reselling it online. It takes a learning curve but it has been a consistent way for me to earn on the side for years and I am now trying to make it my full time business.

The sky is the limit when it comes to making money online, it really just depends on your personal situation and preferences and finding something that suits you and is able to make you the income you need.

Hi @Junryl Lampazo Welcome to the community! My wife is from the Philippines so I have learned a lot about your culture from her and being around her family and friends. I still have not visited your country yet but hope to in the near future!

Poverty is a real struggle for a lot of people but there is nothing that a little bit of determination and hard work can't do to change that. My wife's family is a testimony to that.

You seem to have the attitude and desire to succeed and I wish you the best on your journey.

Look forward to seeing you around the community and if you ever have any questions, don't hesitate to reach out. There are lots of wonderful people with experience to share here!

Welcome all new posters! I've been in and out for the past two days trying to get a boatload of things done all at the same time. Glad to have you here, though, and look forward to your input and to offer any help I can.

Have fun, listen, contribute and learn! None of us know it all, but we can offer what we do know and learn from others on things we don't know about. 

AverageJoe posted:

Welcome all new posters! I've been in and out for the past two days trying to get a boatload of things done all at the same time. Glad to have you here, though, and look forward to your input and to offer any help I can.

Have fun, listen, contribute and learn! None of us know it all, but we can offer what we do know and learn from others on things we don't know about. 

Thanks for the welcome. I look forward to being an active member. 

Moore Income posted:

Hi @Sean Great goals and a great reason to work hard to improve your finances. I am sure you will go far in the next 7 years!

@Lanasuehal Welcome to the community. I understand it can be frustrating to be in your shoes, but I don't believe in any way shape or form that you are "useless to society" as you said. We all have unique circumstances and gifts, maybe you just haven't found out yours yet, but don't give up! If you don't quit, you will eventually find the perfect thing for you! Maybe try finding ways to make an income on the internet? There are lots of ways that don't require you to stand, lift or even speak on the phone. Keep your chin up! 

@Finch Welcome to the community! You have definitely come to the right place. Look forward to seeing you around more!

Thank you for the warm welcome, Moore Income. 

Briana posted:

Hello and welcome to the new Penny Hoarder Community! My name is Briana, a Social Media & Community Strategist at The Penny Hoarder. I'm in the process of paying off credit card debt and establishing a healthy relationship with my finances. I'm also saving for a long-awaited trip to Greece next year! 

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.

Hi Reynolds J...We also use a lot of coupons, use gas points from Kroger when we go shopping there...since the station is right there, if the points allowed off gas bring it anywhere close to the lowest price we've seen or lower, we use them to purchase the petrol. We shop many of the dollar stores, Aldi's Market, and even Gordons Food Service (where one has to  buy in bulk on many things), but in the long run have found it's much better to spend a little bit more at times to be able to use certain products, ie, aluminum foil, film wrap, etc for two to three years from the one pack rather than buying all those small packs from Wal Mart, Kroger or somewhere else. We've actually saved 2/3 of what we would have spent on those products at Gordons. Some use Sams Club or Costco to buy those products, but you have to pay a membership fee with them. Not with Gordons. Hope to learn some of your habits on saving money, couponing, etc. I, too am disabled, and my wife works and drives a long way there. So, we have to save. Looking for some good input.

Hi penny hoarders!!!  My name is Meri. I am in a life-changing process and need all the help I can get to make ends meet and new ways to budget. I work in a university, secretary but it is a job. Trying to save up for retirement and hoping to save for a vacation that I truly would love and need to do. By the way, I am from Ohio, in the USA. Blessings always to all penny hoarders.

I had an aunt who worked as a secretary in a university in Indiana for years. Her husband was a  professor there for 30 years. They used their teachers savings program to invest for retirement, and I believe they also had their 401K's and or IRA's. I know they also used EE Gov't savings bonds, and CD's. Of course then, CD's were paying anywhere from 5-8%.  I believe you're on a good track. My relatives used "stay-cations" and then also vacationed close to home a lot of the time. 

Meri, I'm so sorry to hear that it's down to one now. I truly feel for you, and I'll be praying for you. Have you tried to modify your mortgage because of it now being down to one? It never hurts to check. There might be other avenues to lighten the load as well. Fifteen years is how long we've been in our place, and we've been down to one, but also have my SSI. That helps, but not much. I'll do a little more research to find out if it's possible to get you the help you need. I can't promise anything. But, I can promise I'll try to find the right answers.   Blessings, my friend.

Hi!  I'm Wilbert from NYC.   My goal is to manage my money wisely,  learn to invest, upgrade my house and travel around the world.  I just came from a  European cruise this week and one of the destinations was Monte Carlo.  I was a little jealous looking all those people driving by in there expensive Lamborghinis, Bentleys and Ferrari's,.  Cars I've never seen before in my life here in NYC.  I may never experience those luxuries in my life, but I would love to live to a point where i'm at least comfortable and not have to rely on a 9 to 5 to get by.  Doesn't hurt to dream sometimes.

AverageJoe posted:

Meri, I'm so sorry to hear that it's down to one now. I truly feel for you, and I'll be praying for you. Have you tried to modify your mortgage because of it now being down to one? It never hurts to check. There might be other avenues to lighten the load as well. Fifteen years is how long we've been in our place, and we've been down to one, but also have my SSI. That helps, but not much. I'll do a little more research to find out if it's possible to get you the help you need. I can't promise anything. But, I can promise I'll try to find the right answers.   Blessings, my friend.

Presently I have an appointment with a bank that will look into refinancing.  It is incredible however, I made one call and I am being hounded by many for refinancing. I have a hard time trusting banking folks. I thank you Joe for your kindness. 

Meri: Never apply for financing at a bank. Go to a credit Union and open and account and then apply for a refinancing loan. Interest will be much cheaper and credit unions are much safer than banks. Most banks are fun by democrats and they are robbing people left and right doing loans.

Hi everyone!! My name is Chrissy! Thank you so much for the welcome and add...  I love reading this news letter, I have used allot of it’s useful information on debt and budgeting. Every time I have almost got caught up on bills, another down fall hits me ( just got laid off June 14th) my boss was supposed to give me a months notice with pay, she gave me 1 months notice then a week later she said she did not need me anymore due to finances and has  still not paid me. I filed a compliment with the labor bored, they said they were backed up with so many cases they could not help me that I had to take her to small claims court to file a compliment.... I did not get paid anything for 6 weeks and started a new job that paid every 2 weeks so another 2 weeks with no pay, I had to beg my new employer to give me a check because I had no gas or money to get to work. But still behind on 2 months rent, my. I did explain this all to my landlord that I would get caught up. Can’t get upset right, easier said then done, but I can’t do anything about this and everything always works out. 😊

Welcome @Michelle Sims! Happy to have you here. If you have any questions at all, please ask! Our community is more than happy to help provide some answers =) 

Hi @Chrissysid - I'm so sorry to hear about that, but I'm so amazed by your positivity! Are you currently searching for another job? In the meantime could you work a side gig or look into a remote opportunity? There are tons of great resources on The Penny Hoarder. You can start by looking here: 

https://www.thepennyhoarder.com/make-money/

If you have any questions for the community, please ask! 

Welcome, Michelle Sims.. Glad to have you here where others have either had the same experiences as yourself, or know how to take steps to help you make your goals. Glad to have you here.

Chrissysid- I'm finding that your situation is becoming more and more common throughout the USA these days. Why? For the reasons you mentioned. Many agencies are so backed up that they just can't help as quickly as you need or want. But, there are other agencies that work through some non-profits which may be in your area. You might want to try the Salvation Army or the United Way to see if there are any steps that can be taken to help speed up the process and get the problems resolved. I also know that some counties will refer you to legal aid or to other agencies as well. And many churches who are very active in SOCIAL issues more than spiritual (not meant to be a slam on them, because they are needed every bit as much as the other) can help, whether you're black, white, Chinese, Muslim or whatever. Will be praying for you. I hope if anyone here knows of a way to help that they'll I-M that info to you, or post it openly. Glad to have you here. We're all here to help each other if we can.

@Michelle Sims Welcome to the community! You have definitely come to the right place to accomplish your goal!

@Chrissysid Life can be crazy sometimes, especially when it comes to finances. It's great to see you are keeping a positive attitude about it!

I agree with @Briana, if you were able to work some sort of side gig or do a little something on the side to earn a little extra income, it could go a long way in helping you catch up with your finances. I have been doing both food delivery and mystery shopping to supplement some of my income while working on growing my internet reselling business.

Hi @Chrissysid! Have you tried your town or city's Human Service (welfare) office? I don't know about MA, but in NH and some other states, every town and city is required to have financial assistance to offer to people that can not pay their rent. Of course you have to apply, and it is often not advertised, but I would call your town/city hall and ask them. It's worth asking about. They can be very helpful, not to mention linking you up to other places that can help. 

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