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! 

I enjoy reading up on building communities, LOTR marathons, ocean conservation efforts (such as volunteering), and playing with my puppy Thor. 

Original Post

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! 

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.

Hey Nicole how do you plan on becoming financially free?  Do you have a coach or a community that is not online to keep you accountable?  Do you have the tools needed to make your dreams and goals come true?  

Hello all,

So glad to be here.  I am presently a full time employee as well as an entrepreneur working with network marketing.  My goal is to gain financial freedom from bills and be able to get finances in order so I can afford to do things I'd like to do from remodeling my home to traveling.  So I am here to learn better financial habits and ideas that will help me accomplish my goals.  I am also here to help others as well with issues I have knowledge about.

Nathan Taylor posted:

Hey Nicole how do you plan on becoming financially free?  Do you have a coach or a community that is not online to keep you accountable?  Do you have the tools needed to make your dreams and goals come true?  

Hi Nathan,

Do you have any suggestions of apps or tools?  So far, I keep accountable to my family & bank account. 

My situation is a little different.....I used to work in the financial industry actually.  I'm a SAHM because I have a son with medical needs.  Like most parents, I will spend any money it takes for my son to be healthy & happy.  So our lives detour but we were still able to get lots of trips in last year as well as the unexpected 3 weeks hospital stay without incurring any debt or dipping into retirement savings.  

My name is Kirsten Cherry and I am a stay-at-home mom and an avid side hustler. My financial goals would be to build a savings, pay off my auto loan, and save for a mortgage! I would like to learn more about credit scores and tips on how to find the best mortgage lender. I’m happy to be here to learn from everyone!

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!!!

 

Hey everyone! I'm an SEO Specialist for The Penny Hoarder. I'm currently working to pay off some credit card debt, and I'm very excited to join you all on this journey!

Hi, everyone! My name is Kath and I'm on the marketing team at The Penny Hoarder. I'm a TPH OG -- I've been with the company for over three years now! -- and I've learned a TON about personal finance from working here. After paying off my student loans this year (happy dance), I'm looking to invest more and possibly save up for a property.

I’ve been a reader of a penny hoarder for a couple of years and I love what do you guys wrote  and I followed a lot of what you guys say and a lot of it has worked and I appreciate it I’m glad that this group is on the Internet

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. 

Hello, 

I have been an avid follower of the Penny Hoarder Facebook group for many years and have tried quite a few of the suggestions posted. From no spend months, cell phone plans that are less expensive than name brand national carriers, to robo investing options. I am a 40 something mom who will have a college freshman next fall and am looking forward to suggestions/posts. I work full time (Accountant) so am good with money,  but really enjoy all of the ways people have found to save! 

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, everyone. My name is Tasa. I've followed the Facebook group for a while now, although I don't post that much. I'm in between jobs at the moment, so my current financial goals are surviving my unemployment without going into debt and getting my finances stable again.

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!

Nicole posted:
Nathan Taylor posted:

Hey Nicole how do you plan on becoming financially free?  Do you have a coach or a community that is not online to keep you accountable?  Do you have the tools needed to make your dreams and goals come true?  

Hi Nathan,

Do you have any suggestions of apps or tools?  So far, I keep accountable to my family & bank account. 

Understandable yes I can help you with your action plan.   

 

Great website but may I state that hope is not a strategy.  How do you plan on driving traffic to your site?  What is your goal to get rid of your debt?  What is the timeline for creating your book?  All great things you are stating in your postl.  Your site is really good you have a great niche.  Just wondering if you need help getting your website off the ground with some money.  Let me know if you want to connect and discuss an action plan to make things happen for you.

Tasa posted:

Hi, everyone. My name is Tasa. I've followed the Facebook group for a while now, although I don't post that much. I'm in between jobs at the moment, so my current financial goals are surviving my unemployment without going into debt and getting my finances stable again.

I hear you Tasa, and I know exactly where you're coming from. Whether my advice will work for you I cannot guarantee. But because this is a free method to generate some cash on the side, perhaps something that may come in handy? 

In fact, it is the only free method that I know for sure actually work. It involves publishing your knowledge in the form of an eBook at absolutely no cost to you. And regardless of how minute you may consider your knowledge to be. Remember that somewhere, someone is struggling to do what you have already mastered. 

You may want to check out the publisher called BookRix. A free publisher that will publish your work in all major online bookstores. Like Amazon, Kobo and Google Play to mention but a few. The will however take 30% of your online book sales to cover publishing costs. Which means you still get 70% of all sales. 

Hope this helps, because it helped me in the beginning to cover online costs like hosting for instance. 

Jules posted:

Hey everyone! I'm an SEO Specialist for The Penny Hoarder. I'm currently working to pay off some credit card debt, and I'm very excited to join you all on this journey!

As an SEO specialist at the Penny Hoarder, allow me to say "Outstanding Job!". I would be over the Moon if my blog could be 10% as popular with regard to search traffic. 

Hi everyone my name is Lea and I am new to Penny hoarder.  I have recently started my hand at running an online business actually an online thrift and craft store. I am working hard at being able to.make a living using my passion and things that bring me joy, make me.smile.  Thank you for bringing me into your community I have a feeling it's just where I need to be.

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!

 

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 assets and getting rid of liabilities, and good debt vs. bad debt. Although I wish I had started sooner, I am trying to get my finances in order as quickly as possible so I will be able to have the financial freedom to live life to the fullest and help others along the way. I am also starting a blog where I will share the things I am learning and hopefully be of assistance to others on their financial journey.

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 learned a lot,  have little set back. It's been almost like starting again. But...that's life. Nobody promises a rose garden. But, for those who are smart, they will start early and put their money in something sure like Certificates of Deposits, real estate and gold and silver...not the paper kind...tangible gold and silver and precious metals.

 

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!

Hi, I’ve followed Penny Horder for quite a while and have learned new way to save and be smart about money. We are a year away from retiring and 2 yrs ago downsized to a condo, sold a lot of “stuff” our adult kids didn’t want , it has been a good move. We have a small mortgage and car payment and aside from regular living expenses are ok. Still not working full time and managing retirement is daunting to think about so being here is a great place to learn . I also have told my adult 3 kids who have frequent money management concerns to join as I know there is so much great help here.

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) 

Hello, 

My name is Mark. I am currently only working part-time. I was laid off from my full-time job two months ago. I have been battling cancer and have been living off of unemployment and the generosity of my community while looking for a new career path. I am taking this time to also learn to be better with my finances and be able to save despite my situation.

Hello Bodyguard5280 (Mark). You'll be in my prayers, since I've seen the "C" word in your statement. Welcome to the pennyhoarder pages. I hope they can help you as they've already started to help my family. Have you started looking into any ways to set aside any money (even the least amount can help) for the future? 

 

Hi,

My name is Melinda. I am a pet-sitter, a writer, and a tutor. I also start a new job tomorrow as a recruiter. I am working on erasing my debt, saving up for a house, and reaching a point in my life where I only have two jobs (preferrably writing and tutoring).

Aloe!

I am happy to have found this place! I am Barbara from MN but will use Penny2 as my dad I believe was an original penny hoarder. I will write something about him later which is a cool story.

Hope to learn from each of you.

Thanks

Penny2

Hi everyone! I am so happy to be here and learn from all of you.  I am almost ready to publish. Awhile ago someone posted a self publishing service i could go to. What was the name again? Ive recently opened my own Online Beauty supply store. Weon1beautysupplybyjazz.americommerce.com. I might have to get a real job to support my marketing like Bus cards and flyers etc. So as far as making more money and saving! Hey I am here to learn!

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

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.

Clark Body posted:

Hello, Everyone. I'm Clark from Indianapolis, IN USA! I Look forward to sharing and networking with you all! 

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?

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.

Last edited by Deon Christie
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, 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.

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!

Hi everyone. I'm Judah (as in I've "Ben Hur" all my life - bad pun). I'm over 50 looking for a job and not having luck at the moment. I appreciate everyone here and look forward to getting more familiar with the group.

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! 

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.

 

Feel free to lurk. I'm sure there are many who lurk instead of posting, or do both. If you have questions, don't be afraid to ask. Most here who can will answer any questions you have.

Hello everyone, I'm from Michigan and I'm hoping that this community will help my husband and I learn how to FINALLY get our finances in order so that when our Chapter 13 bankruptcy is discharged we'll already be ahead of the game.

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!

@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.

@Bonnie Squires Hello...I'm in a couple groups but couponing seen hard..Lol...It is just me and my cat but my grand daughter who is 2 years old and 1 daughter come by...I want to be able to supply extras for them..my grand has alot of allergy so she can't eat what I eat...I would love to know who is your friend..So, I can maximizes my bucks. 

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?

@ThrifTchic welcome to the community! We are glad to have you! I look forward to hearing more about your experience and am happy to share with you any of my knowledge as well.

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!!!

Hi @ThrifTchic and welcome to the community. The knowledge you have is all you need to generate an income online. I'm an affiliate marketer and blogger. And often turn knowledge into an online product like an eBook. Have you ever thought of turning your knowledge on credit card debt and paying off a mortgage fast into a digital product? I can help you do that and publish on Amazon at no cost. 

Hello, I’m Barbara from South Georgia, USA. I look forward to my daily email from the Penny Hoarder because of the wealth information available. I am working on paying my credit cards & personal loans off. I should have them paid off by 2021. My next goal is to save for retirement. Thank you for the info!!!

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".

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.

Bonnie Squires posted:

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.

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 while watching a video or visit a website. But they pay as high as $60 for a task (or so I'm told). 

Its completely free to join, and perhaps it can give you a bit of a budget boost. Hope this helps, let me know if you need help.

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 cash back or rewards points when I go shopping. I am hoping to make a career change in the next year or two. Before I do change careers I want to make sure I feel stable financially. I appreciate the practical advice I've found here on Penny Hoarder. 

Maggie M posted:

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 cash back or rewards points when I go shopping. I am hoping to make a career change in the next year or two. Before I do change careers I want to make sure I feel stable financially. I appreciate the practical advice I've found here on Penny Hoarder. 

Welcome to the Community @Maggie M. Just keep going, it does get better I can assure you. Penny Hoarder offers a lot of useful advice indeed.

I don't owe but on one credit card and that will be paid up the end of this month. When I first posted on Penny Hoarder I  was looking for a work at home job. I have seen nothing about one since except one man posted they all are not what they seem. I am not looking for public work. I have worked 37 years and no more public work. I was a CorrectionL Officer then after I retired I worked as a substitute teacher for a year. That was enough. I would now like something at home. I coupon and look for sales at the grocery stores. My car is paid for. I would just like some info on working at home. Any good ideas? Nothing negative please.

MISSYD what kind of work at home job are you looking fall.
There so many things you could do sell i'm ebay,amazon, etsy.

What kind of hobbies do you like doing. Making crafts that you
sell them.

Some thing you know about which can be turned into a ebook.

Looking for survey's and other things like that. You can message
me for the ones I do.

You could do affiliate marketing to. 

I hope this has helped you.

Have you considered becoming a Coach? It appears as though you are very good managing finances, there are many people who could benefit from your knowledge and practices in that area.

I do not want to sell on Ebay. I though something like teaching English to Spanish speaking children or adults. Monitoring something for the government or law enforcement, something like that. Coaching maybe.  

When I first posted on Penny Hoarder I  was looking for a work at home job. I have seen nothing about one since except one man posted they all are not what they seem. I am not looking for public work. I have worked 37 years and no more public work. I was a CorrectionL Officer then after I retired I worked as a substitute teacher for a year. That was enough. I would now like something at home. I coupon and look for sales at the grocery stores. My car is paid for. I would just like some info on working at home. Any good ideas? Nothing negative please.

 

There are threads about work from home jobs on this site. You should look at the section ”Make Money”. The Penny Hoarder is constantly publishing articles on work from home jobs. 

https://community.thepennyhoarder.com/forum/forum-2

 

Last edited by Kirsten Cherry

Hello, I'm Stefani Becker but most people just call me Stef. I'm a mother of 4 (3 boys 1 girl) and a wife before anything. I'm also an insider at Mr.Jims.Pizza and a student at blue Cliff college as a medical assistant. I love writing, singing, reading, and anything to do with art. I decided to join the pennyhoarder community because me and my husband are just starting out on our own and currently having trouble just staying afloat. He is a welder and gets paid decently but his pay is barely enough to pay bills and I barely get less then minimum wage but it's barely enough to cover food and his gas. With that said, we can't afford to save but we both want to get out of renting and eventually I will have to start paying off my student loans.

Hi there @Stefani Becker Welcome to the forum! Just getting started can be tough but you have definitely made the right choice in joining this forum.

If you have any questions feel free to ask or you can start a thread if it is a question about a specific topic that you would like everyone to give their input on.

STEFANI BECKER I've to agree with MOORE INCOME
about joining this forum. It is a great help.

Have you tried to get food stamps to help with food?
All so you should have a local food pantry that could
help.

All so with food we have a family of 5 now. Most of
our kids moved out. But I look at the flyers where my
son works than the market here and DG. I try and keep 
my meats under $2 so when meat goes on sale I'll buy
in bulk. Like i've 20 pounds of pork chops got for $20
hamburger meat i got 20 pounds for $38. 

I am a new member and a past Shoe Shine Service Hobbyist. I look forward to earning some cash from my new Pick-up / Delivery Shoe Shine  Service operation in Dallas,Texas. . . "Dress from Your Feet up and not Your Head Down"- - -20190101_091129

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