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This week’s Community Announcements 2.7.20

Maryann
Hi everyone, I hope you all had a great week. As someone who has adjusted well to my sunny life in Florida, I was thrilled to hear Pete the groundhog did not see his shadow — hello, Spring! There’s been a lot of great discussion in the community this past week. A lot of you are asking some great questions, so let’s help each other out. We’d love your thoughts on these threads: Catherine Nicholas asked “ Once enrolled and debt is paid off, how long does it take to get a good credit score ?”...Read More...
Hi @Susan L. Miller ! Yes, I'm sorry I missed your message earlier. Were you wanting to share your thoughts on saving money in retirement? Please add them to this thread: https://community.thepennyhoar...-money-in-retirement . I'm sure others in the community would love to know how you save, too!Read More...
@Nicole D- I wanted to chat with you, not Sarah C! Thanks!Read More...
Last Reply By Nicole D. · First Unread Post

how to get a loan

Forum: Credit
Mary Keil
I got a store card and built up my credit and score. Then I got a loan and paid it off in a timely matter. I got another loan 18 months later. I have also been approved for other store credit cards. I have not tried for a regular credit card, because my income is not very good now. But that's how to build your score. My score was 0 and I built it up to 742Read More...
Ms. Andra powell Henderson, Thank you for replying to my dilemma. Would you be so kind to supply more info on the Internet Marketer job you mentioned in your reply. I would like to look into that further. Thank you.Read More...
Before getting a loan, make sure you get your rates from all possible/available lenders. Even minor difference in rate can lead to lot of savings. Also if you apply together as a joint application, you could get better rates if your joint applicant has a good credit historyRead More...
Last Reply By [email protected] · First Unread Post

Beginner Investing

Forum: Investment
Emme
Hello. New to Penny Hoarder forum. I am 63 and looking forward to semi retirement. I am interested in learning about passive income. Any suggestions on where I might begin? I know next to nothing about investing.Read More...
Thank you, Tony Bible, for your thoughts and suggestions. Much appreciated!Read More...
Emme, do a few things. 1. Contact napfa. They will give advice that CFPs cant, and are in your best interest. 2. Take an online risk tolerance test to know how much risk your willing to take with an investment; Google it or i think Janis or Vanguard has one. 3. Do Research at bankrate.com. 4. Read articles by Clark Howard, consumer analyst and self made millionaire. Whatever you do, don't jeopardize your retirement savings. Blessings. Be smart.Read More...
Last Reply By Emme · First Unread Post

Closing a secured credit card

Forum: Credit
Frugal Loo
My husband and I each opened a secure card over 2 years ago from our bank. We have been with USBank for over 15 years. When we opened our secured cards they required a $300 each. We asked if we could build credit faster if we did $500 each and the banker said yes. He told us that if we make on time payments and paid it off every month for 6 mo to 1 yr that they would automatically change us to unsecured cards with a higher amount of credit. Of course we believed him and he pulled up the...Read More...
As Robin Hartill mentioned, I would go directly to the bank to close those secured cards. Unfortunately, there is so much fine print in legal agreements that there may even be penalties or other surprises besides a small hit on your credit score for closing these cards out. Don't forget the shenanigans Wells Fargo served to their "valued customers" for which they basically just received a slap on the back of their fraudulent hands! I am always a bit shocked when reading the terms included...Read More...
@Frugal Loo What you're doing is the right path. I echo what @Robin A Neumann says. It was good sound advice by the Lender, kudos to him/her!Read More...
Last Reply By mintjulep · First Unread Post

Closing Credit Card Yes or No

Forum: Credit
Ana24
Hello everyone, I need some expert advice. I was thinking about closing 2 of my credit card one is secured Capital One and the other one is First Premier unsecured. Thinking of closing them after we get our house. I have both of my cards for almost 10 years now. I was wondering what will be the effect towards my credit score if I did close them? Thank you in advance.Read More...
Good advice about using it every other month or so--I applied for a loan once and got it super quick because I had so much open credit - had a $10,000 limit on a card I didn't use....because I didn't use it the company closed the account and my credit limit shrunk by 10K!Read More...
It will drop your score and take away from your credit history. Just cut them up or put them away so you dont use them. Then put something small on it about once a year and pay or off to keep it active.Read More...
Last Reply By Jeanne Featherston · First Unread Post

Suggestions for Automated Savings?

Forum: Save Money
MountainFan
I've read through this article a bunch of times now, and I still just don't know. I've tried Acorns and honestly never saw much benefit with the small bits of savings I was able to put in the account. I like the idea of Digit but I'm worried a little about how it works. (Like does it offer protection to not overdraw?) Investing seems a little outside of my scope for now. I love the idea of setting goals for the savings, like for an emergency fund or vacation. I recently opened an Ally...Read More...
Thanks. I will check out the article for the $5 challenge! ShopKick never makes me sign in, the app opens and that's all there is, ready to go. Maybe they have improved, signing in each time would be a deterrent and I agree with you, too much hassle.Read More...
I stopped using Shopkick. Having to remember to sign in before you walk into the store is too much work. I do use a cashback credit card. Whenever I reach $50 in savings -- right into the savings account. I pay the card back in full twice a month so I never carry a balance. It's basically my debit card. Pennyhoarder just did an article on the $5 challenge and how to do it if you don't carry cash. Check it out.Read More...
Last Reply By redcatcec · First Unread Post

Anyone pursuing a F.I.R.E. strategy?

Forum: Retirement
Theodora
The F.I.R.E is on FIRE. https://www.cnbc.com/2019/03/01/more-workers-are-looking-to-retire-early-a-look-inside-the-fire-movement.html Would love to hear from any of you who are pursuing a strategy to retire early. Teach me your ways!Read More...
Well, perhaps you could still leverage some of the tips to make your financial situation easier and better?Read More...
Never heard of F.I.R.E. I'm at an age that it's to late for this. Woulda, could, shoulda.Read More...
Last Reply By Pax · First Unread Post
Budgeting isn’t easy. But whether you’re trying to cut spending to save for that new house or you’d like some extra money to put towards your credit card debt, establishing a budget that works for you is essential. Which is why we’ve created the Budgeting Bootcamp experience. The bootcamp is a two-week program that will teach you how to establish a budget from the ground up and then actually stick to it. Every couple of days you’ll receive helpful tips and tricks for creating your own...Read More...
I'm retired, on a fixed income and so "out of the loop" on job openings and all the modern stuff you have to know how to do or (it seems) stand on your feet a lot. I worked at a hospital admitting job. Sitting was involved and inputting information into the computer to make a patients chart...address, phone, insurance info, etc. At that time the only requirement was a high school diploma and 6 months experience working with the public. I had been a dime store (pretty sure they don't exist...Read More...
Great job AnnieB. Grown children should help out and learn responsibility.Read More...
Last Reply By dboothe · First Unread Post

Excel Entire Year Budget Sheet!

Forum: Budgeting
Heather LeGuilloux
Last year I started budgeting for the first time. It was confusing to figure out at first, and also scary to see all those categories and spending limits. But after a few months, it became second nature to write out the budget and go through the statements at the end of the month to make sure these budgets were held in place. When I first started with our budgets last year I found a printable budget that had some static categories (rent, groceries, travel, etc) but this year I wanted to find...Read More...
I created my own excel spreadsheets. I've found to be easy to plan for upcoming expenditures and to see the variation in some bills each month.... like gas and electric.... I have done this for several years and it's been eye opening to see how expenses for utilities have increased over the years.Read More...
@TheSugarFreeLife . I checked out the links and very happy to have those sources. I created my own excel sheets a few years ago, mainly for tracking where my money goes, rather than budgeting. It was an eye opener to see how much we spend on grandkids and junk food! I have not followed up to do anything with these links from Heather, but very grateful to her for providing them.......my other half is retiring this year and we will need to set up a budget, I'm sure. I am a procrastinator!Read More...
Last Reply By Shannon H · First Unread Post

Topics

This week’s Community Announcements 2.21.20

Maryann
Hi everyone, Hope you’ve had a fantastic week! Can you believe there’s just one more week left in February? It’s that time again! I’m excited to share our member of the month with you all. Can I get a drumroll please? Introducing our member of the month… Daryll Boothe of Hanover, PA is the member of the month. Thank you for your contributions to our community, Daryll, and congrats! There are a lot of great conversations going on in the community this week. The Penny Hoarder’s staff writer...Read More...
Thanks everybody. My pleasure!! I love Penny Hoarder!Read More...
High 5 Daryll! Thanks for your contributions to the PH community!Read More...
Last Reply By dboothe · First Unread Post

Financial Fitness February: Day 21

Moore Income
Today was fairly slow financially. Not a lot happened but I will share what went down. 1.) Bought a TI 84 Calculator I was able to find a TI Calculator on FB Marketplace today and the seller was willing to take $25 for it. I will buy these calculators at this price all day long because if I hang on to those until school starts up again, I will be able to sell them for upwards of $80 to $100. I consider these calculators to be an investment and they are almost always worth picking up if you...Read More...
It was a slow day for us too, just stayed home and hung out, at least we did not randomly spend money. The property tax was overdue, we finally got that straightened out by a earlier trip to the courthouse. My husband is retired and a veteran, also 100% disabled. Because he served so long and is disabled, we are eligible for a property tax exemption, because of when we filed with the county we had to pay a fraction of the tax due $418 ( usually over $1,000 and rising each year), next year it...Read More...
Last Reply By redcatcec · First Unread Post

Changing my eating habits is changing my finances

Forum: Budgeting
lismox
For the New Year I decided to finally lose those pesky 25 pounds. Rather than going on any specific diet I decided to rein in my portion sizes and reduce my calorie count. So far it's working since I'm down 5 pounds. Only 20 more to go! I was a total Starbucks junkie before changing my eating habits. Now I've been going only like once a week since I don't want to use up my daily calories on drinks. It's been helping me a lot! Not only is it helping my waistline, it's helping my budget. Has...Read More...
I love the minimalist style of thinking and doing, it is great to see the refrig & freezer have space in it and the pantry without all the frills of this and that which never seem to be used or go away. I look at all the spices that will never be used up in at least 5 years, let alone their shelf life! Junk food is rarely bought by me, it is my husband who wants cookies, crackers, and candy and is pretty unstoppable about it. What I do is leave the snacks alone that he has bought. We...Read More...
@mintjulep Funny you should ask does breaking out the junk food category from the grocery/food category help me. No, I still buy junk food for cryin' out loud😁. But, I punish myself by marking that cell Red in my spreadsheet, hoping it will deter me somewhat.Read More...
Last Reply By redcatcec · First Unread Post

pay off mortgage with inheritance or invest?

Forum: Retirement
Suzanne Boisvert
I am thinking I would like to pay off my mortgage and save the interset which now is at 4.875% interest portion is at $230 a month. I asked my financial advisor and she ran the numbers and said yes. Then she called me back and said not to pay it off and to invest it. I plan on only working two years or so before I retire. I am now 68. I still feel that paying off the mortgage would be better and I could continue to save.the extra 1000 a month. I am not sure what to do now... What is the best...Read More...
I'm still a few years from retirement, but decided to go for the mortgage payoff. I know from a financial perspective, investing would be financially beneficial, but my numbers tell me I'll have enough to live on by maintaining my current path, and for me, the emotional aspect of retiring with zero debt is important. It sounds like you have the same mindset as I do, but I think before you can decide, you should think about whether you will you have enough to live on, regardless of whether...Read More...
Great info, I just looked it up. This applies to owners of retirement accounts and their beneficiaries for inherited accounts, it allows them to re-calculate their withdrawals. This was done because people are living longer, with this it makes the RMD (required minimum distribution) smaller, which makes it better for wealth preservation and transfer. It lowers the taxes to be paid out because it is a lesser amount.Read More...
Last Reply By Deanne · First Unread Post

Financial Fitness February: Day 15

Moore Income
Usually, the 15th would be the halfway point for the month, but since this month is a little shorter the end will be here before we even know it. Today I slept in and relaxed most of the morning, in the afternoon I went to a wedding and in the evening I spent a little money. Here is what happened: 1.) More Bed Bath & Beyond Sourcing I didn't intend to source more today, however, on my way to Walmart, I decided to check back in at Bed Bath & Beyond to see if they still had a certain...Read More...
Jon, usually I sell them on selling groups at FB. I find them in the recycling area of the apartment complex where I live. People will run the sweeper at their apartment before they move out and put it in recycling. Other just want a new one and get rid of the old one. People want new chairs. The old one is not good enough.Read More...
That's awesome @MsKimberly Definitely gonna keep my eye out for good deals! Do you sell them on FB Marketplace or Craigslist. Also, where do you find that many?Read More...
Last Reply By MsKimberly · First Unread Post

Retirement Savings Question: With a twist ?

Forum: Retirement
Rick Campbell
I have searched for this answer on several sites and not had any luck. You all are awesome with good, honest and timely answers so I know this is the place to find out my answer. Most people ask about saving for retirement questions about how much money they need to retire and live comfortably because when they retire so does their income they are accustomed to living on. Since most people will not make 100% of their normal monthly income, they need to know " How much money do I need in...Read More...
Have you considered the difference between the cost of your monthly needs and wants, and how much is left over? It doesn't provide an answer, but it would give you a starting point to decide how much free cash you really have. If there isn't much left over, you might want to re-evaluate how much you spend on wants. Think about your biggest possible "normal" emergency. If you own a house, do you have enough cash to replace the roof, furnace or siding? If you own a car, do you have enough cash...Read More...
You need to ask your self. What do I mean by retiring? What do I want to do when I retire? Do you want to go many vacations or travel the world? Retiring for you could mean something completely different for someone else. So you need to ask your self and be honest, like the Bible says at Hebrews 13:18 being honest in all your dealings. That includes your self. So ask your self. What kind of life do I want to live? Is what you are doing what you want to do for the rest of your life? And as...Read More...
Last Reply By Deanne · First Unread Post

Financial Fitness February: Day 19

Moore Income
Wednesday came and flew by and I am just trying to figure out how we are already half way through this week! Here is what went down financially for me today: 1.) Edited & Posted a Video A lot of my morning was spent on editing a video that I got done and posted this morning. It is taking me a lot longer than I wish it would to get videos posted on my channel, but I just have to keep in mind that it is a learning curve and the more I do it, the better I will get. While right now, posting...Read More...
That is wonderful! I have heard great things about Montessori schools.Read More...
@MsKimberly That is great! It is always good when you can find a job to provide income to also help you to develop a skillset that can be used elsewhere! My wife works at a Montessori school because she loves teaching even though she doesn't have all the certifications to be the lead teacher there or elsewhere yet. But once she finishes her education, she will already have quite a bit of experience under her belt!Read More...
Last Reply By MsKimberly · First Unread Post

Financial Fitness February: Day 18

Moore Income
Today I spent a lot of time working on doing bookkeeping for my business but I did have a few nice financial WINS to share today 1.) More Dropshipping Sales The sales continue with my dropshipping products, it is still things related to lighting. I believe it must be the time of year when people update their lighting both indoor and out because I sold one indoor lamp and two sets of landscaping lights. With each sale bringing in roughly $5 in profit, that's $15 in extra income and the orders...Read More...
My mother always said that if you cannot afford to tip, you cannot afford to eat out. I know she would say the same about delivery.Read More...
Sounds like a good day @Moore Income except for the couple of non-tippers. I'm sorry that happened.....and little surprised, really. Would not imagine that of people ordering dinner or groceries thru a delivery service to their front door. I seem to be going the other way these last several days. I'm spending money on some things I've considered unnecessary. However, the items are not big ticket, 2 under $25 and 1 under a $100, but I've considered all the purchases for years, not weeks or...Read More...
Last Reply By MsKimberly · First Unread Post

Financial Fitness February: Day 20

Moore Income
20 days of keeping track of things financially has really helped me to get a better perspective of my finances. I don't know that I would recommend everyone write out a long post every day as I am doing, but I would suggest keeping a daily journal of your WINS, losses and every day expenses. Here are my financial WINS for today: 1.) Another Day With eBay Sales I have noticed sales starting to pick up on my eBay store. Usually, January is a pretty slow month for most resellers and February...Read More...
Jon, reading what you have to say today tells me just how dedicated you have to be to save money in this day and age. Not sure if it is mindset or age or something else, but I see so many people spending without thinking twice about it. I will be working at a Christian daycare. It will be necessary to have my reading glasses on hand at all times but not necessarily on my face the whole time. I did not want to spend up to 15 dollars for a reading glasses lanyard on Amazon.com. Most likely it...Read More...
Last Reply By MsKimberly · First Unread Post

What are some good books to read?

Forum: Book Club
Bonnie Squires
Hello every one. I'm looking for some good books to read. Looking for any thing that will help me save money, make money or just help me out. Thank you for your helpRead More...
I recommend a minimalism book. It might not seem obvious at first, but adopting a minimalist lifestyle has helped me save more money than anything else I've ever done. I suggest The Year of Less by Cait Flanders. Cait decided that for one full year she was going to stop buying anything she didn't deem as a need. Through the process, she got rid of many possessions, and benefited enough financially that she learned she didn't need as much to live on as she thought she did.Read More...
Unless you wish to outright own the books, I'd do a search and then request what you are interested in from inter-library loan. Most libraries are a part of this system; just check. There is usually a form to fill out and it might take a few weeks but the books do come in with no cost to you. I've found that the time allowed is about the same as checking out a book from the local library (about two weeks). Plenty of time to make notes. The only exception is that you cannot request a book...Read More...
Last Reply By Deanne · First Unread Post

Passive Income Strategies

Forum: Make Money
Theodora
Hello, Penny Hoarders! My long-term financial goal is to build multiple passive income streams. Do any of have strategies, experiences, aspirations to share? Would love to learn from you!Read More...
I'm planning to turn my house over to a property management company as a rental in a few years. I'll have the management company expenses, but the proceeds should still be able to pay for the rent of a small apartment in a lower cost area. By then, I'll be retired and won't want to maintain a house and yard.Read More...
I'm very interested in this thread topic, but it appears that maybe a definition is needed. Passive income, as I understand it, is income you make without working for it. I've been researching and thinking a lot about this. It's how rich people stay rich/get richer and how poor people stay poor. Again, as I understand it, there are basically two categories of passive income (unless you count inheritances, then there's three, or winning the lottery, there's four): investments and cash-back...Read More...
Last Reply By Deanne · First Unread Post

try this

Forum: Save Money
Wayne Jandula
Buy what you need not what you want. Once a month treat yourself. 99ct store works great. Secondly......learn to say NO. Borrow me 20.......NO. Can i borrow your car........NO. Can you help me with this..............NO. Can i borrow your lawn mower.....NO etc. Try it for a month. You will see how much easier your life becomes. It's not that hard. If people get upset with your new life style it doesn't say much about them.Read More...

Buying Generic Over Name Brand

Forum: Save Money
Nicole D.
Who here opts for generic or store-brand products over brand-name items to save money? I know I do. Sometimes the savings are minor, like 20 cents off a can of beans, but other times, I can save over a dollar on an item by not going with the brand-name version. Of course, there are some products I'm picky about, like my moisturizing cream. I buy the Cetaphil brand because I feel like it's the best quality for my skin, even though the store-brand version is always cheaper. What things do you...Read More...
I almost always buy generic unless there is a better buy in a name brand. The name brand purchases happen often at the grocery stores with Buy One Get One Free weekly offers, so I get the better buy, which ever that would be at that time. Medicine, always generic, when available. We do shop Aldis for some things but give a thumbs down to their canned pork and beans. There is more sauce, less beans; and the last case we bought didn't have the tomato sauce base, it was some type of colorless...Read More...
Thanks @dboothe I appreciate you saying that!Read More...
Last Reply By mintjulep · First Unread Post

Help me out here. Theater or no theater?

Forum: Save Money
Elice Max
I have gotten pretty good at saving money. It’s a long shot but I am trying to save for my eldest son’s college. But there is a once-in-a-lifetime show happening in a theatre near to where I live. Its Edith Nesbit’s Railway Children , something that both my kids and I would love to see. Although I’m pretty sure that I can make up for the money I would spend here (more freelance work for me), a part of me is worried that this would open the floodgates and I wouldn’t stop spending afterward.Read More...
Elice, I know you know money isn't just for keeping the electricity on. It allows us to do things we otherwise couldn't do. If you offset your outing by having a picnic at a place that is free (A museum? The arboretum? etc.) - you'd make a very special time together. Those are treasures; keepers for you and your children. Be sure to save the programs from the theatre and get a picture of all of you together in front of one of your celebratory places. [A photo album with photos and memories...Read More...
Elise, The experience sounds wonderful and I agree with all the previous posts. I do just want to say that I am an overeater and love sweets. I can keep it in control, but if I have one out of control experience (like having a whole cake at the house), it CAN trigger a binge that could go on for hours, days, even weeks. If that is how you are with spending, beware.Read More...
Last Reply By Jenny Waldensi · First Unread Post

I Need Debt Consolidation Knowledge

Forum: Debt
Bob Swift
I was reading this article but I did not find anything related to debt consolidation . I want to get a brief knowledge of it. Once I visited and they were saying through their article that before consolidating multiple debts you need to take the advice from an expert in this field, technically they were right. But I want to make the decision about whether I should go with this theory or not. Look my background is bio-science and I don't know much of it. I need knowledge, not any advice.Read More...
I am proficient in Debt Consolidation Loans! I have gotten all different types. Loans from credit unions, loans from Lending Club, Best Egg, Upgrade, etc. I've also refinanced my car before to use to consolidate my debt. My biggest piece of advice to give you is, choose a loan that doesn't have an origination fee. My experience with loan sites like Lending Club, Best Egg and Upgrade are that they take a big chunk of money as soon as your loan is approved. That means, if you have a specific...Read More...
Instead of consolidating your debt, you might want to look into a debt relief program. I worked with Freedom Debt relief and paid off $35000 in credit card debt in 3 1/2 years.Read More...
Last Reply By Hanna · First Unread Post

Extra money on the side

Forum: Make Money
Can you make extra money taking surveys on this site or does anyone know or have any ideas how to make a little extra cash here and there?Read More...
A couple I would add that I have been with for a while. iSecretShop - https://isecretshop.com/register Gigspot - https://gigspot.com/getStarted#createAccount MarketForce - https://shopper.marketforce.co...gin/newShopper/Apply This is the one I have done the most shops with. I must say also that with these companies I have gotten paid every time for my successful shops.Read More...
Getting ready to move beginning of March. Heading to NC. Need some extra income have to check these out when we get settled in, if you've been with them that long must be reputable. Thanks.Read More...
Last Reply By Moore Income · First Unread Post

This week’s Community Announcements 2.14.20

Maryann
Hi everyone, Happy Valentine’s Day! Anyone have any fun plans to share? I’m curious to know if you’ve planned something budget-friendly. :) In the spirit of Valentine’s Day, I thought I’d highlight some relationship-related threads. Whether it’s a spouse, family member or friend, our relationships have a lot of say-so in how we manage our money. We’d love to get your perspective on these threads: This single Penny Hoarder feels uncomfortable with not having someone to bounce her financial...Read More...
@dboothe Thanks! We both don't really care to much for "possessions" and so we try to be thoughtful about what we spend our money on when it comes to gifts. So many people just buy things because that is the typical gift to get that time of year and that is why holidays are so commercialized. But I believe that thinking outside the box a bit and doing something unique can be much more memorable!Read More...
Grandkids are such a gift!! Enjoy your time with her "Bubbie"!!Read More...
Last Reply By Moore Income · First Unread Post

Financial Fitness February: Day 17

Moore Income
I really don't have a lot for today's post other than to say that overall it was a great day. I ended up staying up until 4 in the morning today so that I could pick my wife up from the train station since she was coming back from Illinois. Because today was Presidents Day, she didn't have to go to work (at a school) so we were able to sleep in and then just spent most of the morning relaxing. In the afternoon and evening, I got a few chores and errands done while my wife was babysitting and...Read More...
Thank you, Kelly!Read More...
Congratulations @MsKimberly ! I hope it is a great move for you all the way around.Read More...
Last Reply By MsKimberly · First Unread Post

Financial Fitness February: Day 14

Moore Income
I have decided to focus Friday's mostly on doing food delivery since it gives a nice boost to our income and it is also usually the best day to earn the most money doing it. So, for the most part, my day was spent delivering food, however here are a couple other things that went on financially. 1.) Bought My Wife Some Valentine's Treats While it is great to be frugal and financially conservative, by no means should anyone get to a point where we won't ever spend any money, especially on...Read More...
I don't own a car, but if I did.....this could be fun.Read More...
For sure!Read More...
Last Reply By MsKimberly · First Unread Post

Cable TV, Internet & selling wardrobe.

Forum: Save Money
Jobelle Collie
I’m looking through my budget for things I can cut out. I have a major event in December, 2020. I need to keep internet service because of house alarms, laptops and devices. I bought a ROKU device and I find I only watch my Hulu, Netflix and Youtube. I know where to find news and critical weather news online or on my ipad or iPhone. $160/mo is what I’m paying now. Can I get internet and a tiny TV package cheaper? This sounds obvious, but I’m I dizzy blonde. lol I’m also stopping my YMCA at...Read More...
Sounds like a lot going on. As far as internet goes, if you go online to cordcutters.com or cord cutters news. You can find all kinds of info. They're on YouTube also. Good luck.Read More...
Last Reply By Al biscotti · First Unread Post

Hello new members!

Briana
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!Read More...
Welcome @MarionM You'll find things here you didn't know you were looking for.Read More...
Hi @Marion M Welcome to the community! I hope you find it welcoming and fun! We look forward to connecting with you on here.Read More...
Last Reply By dboothe · First Unread Post
Page

Financial Fitness February: Day 9

Moore Income
Things were pretty quite for me financially today. My wife and I spent $6 eating lunch with our siblings at their college. Other than that we just had to fill up the tank with gas again which cost us $16.47. The reason I had to fill it up again so soon is because I use quite a bit of gas doing deliveries. Even then, when you take off the cost of gas from how much I earned, it still ends up being a fairly profitable side gig. I still made sure to use a gas coupon at Holiday. This time it was...Read More...
LOL....I am sure you do....but trust me....pizza is not that good...go for the cottage cheese. As my grandmother would say....it will put hair on your chest!Read More...
Last Reply By Moore Income · First Unread Post

BEING THRIFTY DOESN'T MEAN CHEAP STUFF

Forum: Save Money
lori wulff
I am always being THRIFTY no matter what. I look for a deal on anything that costs $$. Allot of people think shopping at thrift stores, clearance racks, and being at Walmart for instance is always getting cheap *** stuff. For example of my thrifty self 😀, I like name brand products. Toilet paper like Scotts 1000 sheet rolls is a great value and can be cheap on the wallet. Every 2 weeks or so CVS puts Scotts products on sale. You can get 12/ 1000 sheet rolls for $7.49 verses $15+. That's one...Read More...
I have learned that thrift stores do not always have the best bargains! I remarked to a lady next to me who was also looking at curtains at the thrift store," I could go to Boscov's and have a better selection for the same price"! She agreed and we both bought none of them. If it was a 1/2 price sale and they were still there, then ok. Our thrift store is so random on their % off's, they don't announce what color tag goes on sale until the morning of. They would do a better job of turning...Read More...
I Love Thrift Store Bargains!!!Read More...
Last Reply By redcatcec · First Unread Post

Financial Fitness February: Day 16

Moore Income
Another slow day, as Sundays tend to be for me. Really not a lot went down financially but here are a couple things. 1.) Spent $30 for A Dinner My wife and I try not to eat out too much but this dinner is a little different. It is actually an upcoming dinner (on Friday) that our church hosts every year around Valentines day. The dinner is $15 a person. It is a time to eat great food, have fun and enjoy some funny skits. The theme is Hawaiian Luau and since we just got back from a trip to...Read More...
Jon, you have a gift!Read More...
Thanks @MsKimberly I have noticed that the items I have sold in the past couple weeks have all been related to light in some way. It must just be the time of the year. That being said, I did actually pick up some other light bulbs the other day that should bring me in a decent profit once I get them listed and sold.Read More...
Last Reply By MsKimberly · First Unread Post

Financial Fitness February: Day 5 (eBay Sales!)

Moore Income
Today I did pretty good about not spending a lot of money and I actually made some money in my business so I would say overall it was a pretty good day. I didn't do any sourcing today as I am turning my attention now towards getting stuff listed, however, there are several stores I would like to visit before this "clearance season" ends. Here are the financial highlights of my day: 1.) eBay Sales - For those who may not know, I am an eBay seller and I buy a lot of items from retail stores...Read More...
Maybe it is called that because you have to be strong to go through with it....Read More...
@MsKimberly They call it The Military Diet, but I don't like to call it that because it has nothing to do with the military and people always ask why it is called that and I don't know LOLRead More...
Last Reply By MsKimberly · First Unread Post
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