Latest Buzz

Featured Topics

This week in... The Penny Hoarder Community

Ashlee
We’ve survived another week and made it to Friday Penny Hoarders! Anyone else a holiday procrastinator like I am? Thanks to our Daily newsletter, I was reminded that there are only two weeks until Halloween - EEK! I still have no idea what I am dressing up as but want to take a more budget friendly approach with my costume this year. What are you all dressing up as? Do you have any tips for creating a fun costume on a budget? And now for this week’s announcements… Grab your library cards...Read More...

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...
Congrats!Read More...
Great advice -- and congratulations....job well done!Read More...
Last Reply By Suzy · 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...
Hi @JoAnne ! Here is a recent article from the site about Ellevest you might find helpful: https://bit.ly/2p05xNe .Read More...
I was looking into Ellevest but am reluctant to take the next step, any information would be appreciatedRead More...
Last Reply By Ashlee · First Unread Post

Happy Thursday, Penny Hoarders — and happy October!

Ashlee
It’s Ashlee, your new Community Ambassador. (Missed last week’s announcement? I introduced myself in my last post here !) I’m here with your weekly roundup of announcements, top discussions and threads that could use a little extra love. Announcement: Don’t forget! We put together a member survey that will help us better help you and your fellow community members on your way to accomplishing your financial goals, and we’d love it if you took a few minutes to fill it out! You can find the...Read More...
Thanks for the great article and information. I agree with all the points you made. ThanksRead More...
Good morning @KellyFromKeene !Read More...
Last Reply By Vickie Wade · First Unread Post

Hello, everyone! Nice to meet you!

Ashlee
Hey, everyone! I am Ashlee, your new Community Ambassador. I have worked at The Penny Hoarder since the beginning of the year. I am super excited about my new role in the community and spending more time getting to know all of you here! And, in case you were wondering, my top financial goal right now is saving for the long term. So now for my first official announcement... First, some big news! W e've put together a member survey that will help us better help YOU on your way to accomplishing...Read More...
Hey @BeckAtsila , welcome! Glad to see you here.Read More...
Hi @BeckAtsila , it's nice to meet you!Read More...
Last Reply By KellyFromKeene · 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...
I had a similar instance with Discovers secured card. My credit score dropped after closing the secured card because I was able to open a large CL with a well-known bank. I also had a few of those high fee credit cards that I recently closed since I no longer needed to pay a monthly fee to obtain credit. I had 4 and 5 years of PERFECT payments and my credit score tanked. I did not add any new CL's or accounts in tandem. Now I am working on rebuilding my credit score from the "help" of these...Read More...
I would get an appointment with your bank manager and go in there with all of your statements from the cards showing you have paid diligently on them every month and ask them what to do. Then go home with your information in hand and do your own research on what to do then I would find a bank that u trust and move everything to that bank after going in to discuss all that has happened. Something sounds fishy with the bank you took the secured cards out ofRead More...
Last Reply By Leslie Kay · 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...
My husband and I were going through this. We paid off all of our store and other credit cards two years ago. We kept two regular mastercards. We were trying to increase are available credit and decrease our credit usage. We actually were threatened by some cards that if we didn't spend anything on them they would close them anyway. So we decided to spend a little every few months and pay them off quickly. Since we started doing that our credit score actually is on the rise.Read More...
I was considering the same thing. Close the ones that have fees. I am considering talking to a financial advisor first before doing so. It's free if you bank there.Read More...
Last Reply By Mrsmcbride · 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...
That’s exactly my problem “TEMPTATION!!!!” I guess no better time than the present, I always had a problem with putting into savings and not touching it. I’m getting to old not to be able to manage my money and I’m depressed about not having savings early on in life. Now I have 4 grandchildren and it ways on my heart so bad to leave my babies something behind and not let my 2 kids suffer any when it’s time to bury me, but go on in life with some type of cushion that I left them. I started...Read More...
This is what my husband and I do. We set up a separate savings account with a good APY. It is not linked to any of our main accounts, and takes a special trip to the bank to get money from it. We have part of every paycheck direct deposited to this savings. I get more regular raises than my husband does, so I will up mine a bit everytime I get a raise. As you said out of sight, out of mind. Since it takes more effort to get money from it, we aren't tempted to use it for meaningless things.Read More...
Last Reply By Sweetmiek · 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...
I follow a F.I.R.E blog called Can I Retire Yet and this was posted earlier this month about a couple who were able to retire early but had a very rude awakening when the husband was diagnosed with brain cancer. I thought the comments section was also enlightening to read. https://www.caniretireyet.com/because-you-never-know I suppose emergencies are always in the back of our minds when we retire, at least it's a big weight on my mind.......health issues being at the top. I subscribe to the...Read More...
Yes on the FIRE train!!Read More...
Last Reply By mintjulep · 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 absolutely agree with Annie B. Then you can begin to get your finances in order. Your husband has dug a very deep hole, but you can dig out slowly. First and foremost, no co-signing for ANYONE once you get back in the black, EVER! Then you can use all the good information on here, like pay yourself first. Start a savings and even if it's only $5 a pay to start, DO IT! As you get things under control, you can raise it. So much good information on here, but you have to either get counseling...Read More...
Unfortunately, I think that you have a marriage problem that is manifesting itself as a financial one. You have a husband who wants to spend what he wants when he wants to, with no regard for your (joint) finances and your feelings and stress level. I would recommend marriage counseling - IF you want to save your marriage. If not, separate your finances and don't give him access or knowledge of anything you are squirreling away. Talk to a lawyer who can advise you of the laws in your state...Read More...
Last Reply By dboothe · First Unread Post

If Money Was No Object, Where Would You Travel and Why?

Moore Income
I am a lover of travel and a huge advocate for people having dreams and seeking to fulfill their dreams. That being said, I am curious to know where my fellow Penny Hoarders would travel if money wasn't something you had to worry about. What would be your dream trip/vacation and why would you choose that specifically? Time to do a little dreaming!Read More...
@JoJoJennifer That would be a trip to remember for a lifetime!Read More...
Europe for sure! I would love to be able to take off 6 mos from work and slowly explore the whole continent. Maybe have a loose agenda with time to immerse in the local culture, enjoy the food and see the sights including the natural beauty and made made- architecture, museums, art galleries, etc.Read More...
Last Reply By Moore Income · First Unread Post
Page

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

Self Employed Medical Insurance

Forum: Insurance
Ana24
Hello everyone, I am a stay at home mom and my husband is a self employed I was wondering where do you go to look for a Medical insurance for self employed? Any information will be very helpful and will be appreciated. Thank you in advance.Read More...
When I have been self-employed, I have never used the Marketplace options because I could get coverage more reasonably priced through a regular independent agent who offered plans from several providers. I like using local, independent agents as they usually work harder to find the right mix of coverage for me.Read More...
Hi @Ana24 , We actually have an article on just that. Freelancers/gig workers/self employed workers can get health insurance through: The health insurance marketplace Certain health insurance companies (like Cigna and UHC have self-employed options) Health insurance brokers Some faith-based organizations cost share for their congregations Some gig-work companies provide health care to workers. Advocacy groups & unions like Freelancers Union provide health care (and portable 401(k) plans)...Read More...
Last Reply By SMcLain · First Unread Post

Teaching Your Kids to Save: I am a Bit Confused (HELP)

Forum: Save Money
Elice Max
Hello everyone, Hope you are fine. I have a question! I am trying to teach my 10-year-old how to save. But so far it’s been a total bust. I gave him $5 and told him to spend it through the week. He handed the money to his elder brother on the VERY FIRST DAY and got himself candy bars, chocolate, and other junk stuff. I came across this article about teaching your kids about money-saving which has some interesting points. For instance, I’m definitely getting him a savings jar. But I’m open to...Read More...
I love the idea of the moonjar for my grandchildren, but feel it's a little pricey for what you are actually getting (according to the pictures on the internet). I think I will go the extra mile and make them something according to their interests. Hopefully, I will be saving as I am teaching them to save and it will have that personal touch.Read More...
I love this, it's called a Moonjar, and it's available from Amazon.com: Moonjar I gave this to my niece. It has slots for spend, share and give. It's cute and I highly recommend it.Read More...
Last Reply By dboothe · First Unread Post

Make money to support my college needs

Forum: Make Money
Tehreem Umar
Hey its Tehreem! I am financialy disable these days to support my college needs. I am desperately in need of a online job and want to do it in my time as I don't have a fixed routine. I am good at writing articles specially on social topics. I would be overwhelmed if you can guide me to a authentic and promising forum. Thank you!Read More...
Thank you! Yes I want to do something that does not effect my studies.Read More...
Try to check Upwork for some freelance content writing job. Make sure that you will be able to manage your time studying and working at the same time.Read More...
Last Reply By Tehreem Umar · First Unread Post

Raise credit score

Forum: Credit
Jacqueline Miller
I have had recommendations to get credit cards to help build my credit but each time I try to reply, per credit sesame recommended companies, I am denied due to my score. How do I correct this?Read More...
SS does do this. As you know, you have to comply with all sorts of paperwork and reviews, and they have deadlines and notice dates. My suggestion is to do what it looks like you were doing- go to the SS office and find out what happened, why, and what you need to do to get back on. Do you have a re-payee? Send them if you need to. Do you have 211 for assistance or information in your area? Call it. Do it soon, because this is a process. There is no quick answer that I know of.Read More...
I'm disabled. I have a terminal ill disease of my liver. I'm at SS because they said they are terminated me. Can they just do thisRead More...
Last Reply By KellyFromKeene · First Unread Post

SSI/SSDI

KellyFromKeene
I just wanted to share a really informative article this week in TPH: https://www.thepennyhoarder.com/make-money/side-gigs/can-you-work-while-on-disability/?aff_id=86&aff_sub3=118394&aff_unique2=ITR-1747276&utm_medium=email&utm_source=daily&utm_campaign=daily20191018&utm_content=makemoney&sms=unsubscribed I work in the field and find the distinction confusing, and Adam did a great job explaining it in layperson terms. I sent the article out to several of my...Read More...

Suze Orman says CAR LEASES are always a BAD financial move - do you agree?

Forum: Debt
Theodora
I'm not entirely sold. Curious to hear everyone's point of view on this.Read More...
@lismox , I look forward to this in my next vehicle! I drove a rental that had the blind spot detector and thought that was the best invention.Read More...
My husband leased a truck a few months ago and I have to say I've really enjoyed having a backup camera and the noise that comes on when I'm drifting out of my lane.Read More...
Last Reply By KellyFromKeene · First Unread Post

Google My Business Listing

Why haven't more businesses claimed their free Google My Business listing? It seems to me to be a very effective way to establish a profile to allow your prospects to find you and learn about your business.Read More...
Your business must be listed in Google My Business if you want to be found online in a local search. Unfortunately, most businesses don't understand it's incredible value, and that's why, they ignore it.Read More...
I couldn't have said it any better!Read More...
Last Reply By Beth Worthy · 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...

Selling moms house

Forum: Retirement
I am getting some money after the house sells. I plan on hopefully retiring in 3 years. Should I put the money towards paying off my mortgage or into my 401c?Read More...
How much do you expect to net from the sale of the home? Is your mom deceased? Will there be a taxable gain on the sale? How much do you owe on your home? How much is your current home worth? What is your current income? How much debt do you have other than your home? How much do you have in retirement savings at this point? Lot's of moving parts to be able to answer the question appropriately.Read More...
Oh, good question. Answers will go both ways on this one. You may want to check with a financial adviser on this one- do you have one with your bank or work? I personally am with the paying down debt camp, and I would do that.Read More...
Last Reply By Jacob423 · First Unread Post

Refinancing Auto Loan

Forum: Debt
Melanie T
I financed a 2017 car in May of this year. My rate is 11.9% being that I didn't have an excellent credit score, and I only began building my credit around two years ago. I know that the rate is fairly high, and have seen how I am paying more interest than the principal balance every month. Please share your knowledge, as I am new to this credit game. When is it a good time? Should I shop around? Anything else helpful? Thanks in advance!Read More...
I am new to this game of investing. In my country I have tried to invest but the problem I'm having is the economy melt down presently. Things are very hard...Read More...
If you're member, refi w/credit union.Read More...
Last Reply By Alfred Smith · First Unread Post

Customer service part time work from home jobs

I’m handicapped, can’t stand long or walk far. I’m looking for a 4-5 hour a day 5 days a week stay at home customer service job. I have over 30 years in customer service but find it’s like looking for a Unicorn. Has anyone been successful at finding one? What’s the best place to look? Thanks AmyRead More...
Check out the PennyHoarder work from home article: https://www.thepennyhoarder.com/wfh/ . Also www.ratracerebellion.com is a good place to look for legit work from home jobs.Read More...
All I have seen so far is review and survey websites, if you find anything please let me know also, thank you!Read More...
Last Reply By lismox · First Unread Post

work at home

Forum: Make Money
Mexpensive
Does anyone here do work at home jobs? How about task jobs that can be done on the computer? Anyone here do side gigs like TaskRabbit? Or Rover, or shopping gigs like Shipit? Just wondering as I am weighing my options. Thanks in advance.Read More...
Awesome Great!! Thanks Again!Read More...
Hi Moira. That’s great! I just reached out to you via FB. We have a lot of resources for you to connect with. -BrendaRead More...
Last Reply By Moira Kerry DelNero · First Unread Post

Christmas Gifting

Shannon H
September is upon us and the holidays are getting closer. I have started by preparations for gift giving this year.... I normally gift the male members items they use for grooming, socks or consumables (jerky, nuts, ect..)......... trying to thing outside the box for the male family members and could use some suggestions... ages 13, 27, 60Read More...
I personally love getting gift cards for Christmas, and they make great stocking stuffers too.Read More...
The Yuletide season is fast approaching, last year I did bake some goodies and knitted some stuff for my niece and nephews. The only thing that I bought is a sandpaper cat scratcher for my siamese which I got on sale since I purchase it during the Black Friday sale.Read More...
Last Reply By lismox · First Unread Post

Debt Payoff Strategy Tips?

Forum: Debt
Birdie13
My husband and I are in over our heads, for many reasons, some of which were a result of the poor economy and bad timing, job losses, health crises, and others were simply our poor financial choices. We are 35 and 36, have a $275,000 mortgage (barely above entry-level home in our real estate market, while still having good schools and safe neighborhoods), $285,000 in student loans from my college and law degree, $70,000 in consumer debt, $5,000 in medical bills, and no car loans. We have 2...Read More...
Hi Debbie . You can have a complimentary Financial Needs Analysis and we can discuss the opportunity to be with our company. When you need money as many do, we teach others how to be a consultant and educate on money. You can reach me directly thru my Facebook direct message and wfgconnects.com/lyndakoch On the bottom of my site you will see the 2 things I do. Help others to build a business and create financial independence thru education. I look forward to speaking with you.Read More...
@Allison Scholly , I love The Budget Mom! I use her BBP method and its really helped me keep things on track.Read More...
Last Reply By Lynda Honimar Koch · First Unread Post

Car Insurance

Forum: Insurance
Franklin J Pimentel
I live in NYC and paying a lot for my car insurance, I recently purchased an weekend house in upstate NY, a friend just told me that if I change my address to my second home, my car insurance will reduce drastically. Is this true? is it legal?Read More...
Also, there are some great options to get more efficient car insurance rates. Have you looked at The Zebra ?Read More...
Yes - that is true and it is totally fine to do.Read More...
Last Reply By Theodora · First Unread Post

Parents of a Child with Disabilities - Finding Good Work is HARD!

Forum: Make Money
A.Gonzalez
Hi everyone, I am wondering if anyone has any ideas to contribute to my current situation. My husband & I have 1 child (my stepson but we have full custody & the mother is not involved). He is 12 years old & has Spinal Muscular Atrophy Type II, a rare genetic condition that causes his muscles to deteriorate over time. He is in a power wheelchair & needs help with virtually every physical task (mentally he's beyond his peers - he skipped a grade, he's in normal non-special Ed.Read More...
@uasbean17 I need to speak to his social services case manager for sure... we've spoken a couple of times but I need to be more informed before I do so. She was not proactive in suggesting what options are out there for us, so I need to be ready with questions!Read More...
@Mountain girl @uasbean17 I will definitely look into the ABLE fund, I'd never heard of it before! Thank you!Read More...
Last Reply By A.Gonzalez · First Unread Post

Personal Loan vs. Credit Card Debt

Forum: Debt
MountainFan
I was reading an article where a personal finance consultant used a personal loan from Upstart to pay off some credit card debt. I was curious what everyone thought of that idea. For my particular case, I'm torn 50/50. (First I had to admit my mistake & big 'oops' moment realizing I have about 10k in credit card debt now... yikes.) I know the absolute #1 way to fix this is to budget and change spending patterns , which I'm already doing. The concept of a personal loan intrigues me though...Read More...
@Melanie T his questions were related to our options (home equity, personal loan, secured loan, & the various choices within each), terms (we got it for 3 years), fees (no early payoff fees, standard late fees, etc), how it will affect our credit (a net improvement - we'll get dinged for the credit inquiry & for having a "maxed out" line of credit, but we'll show 2 cards getting paid off in full & for having a set loan instead of open line of credit), etc... he basically just...Read More...
To A. Gonzalez I'm interested in knowing what questions your husband asked in regards to the loan. I have less than $3000 in credit card debt, but my debt to credit ratio is high (if I said that correctly). Anyway, I want to consolidate because the interest rates are eating up any payments I'm making, so the principal just increases.Read More...
Last Reply By A.Gonzalez · First Unread Post

Paying off credit card debt and medical bills

Forum: Debt
I have many chronic illnesses and the medical bills are piling up. I pay them when I can but the unpaid ones are on my credit report.Read More...
Start with the hospital or clinic and ask about their financial aid. Complete the application and turn it in, even if you are not sure you qualify. Get on a payment plan- even if it is just $10 a month or so. Pay it on time and consistently. Are you eligible for Medicaid or Medicare? Look into that and sign up if you can. This will reduce the bills going forward.Read More...
Last Reply By KellyFromKeene · First Unread Post

Financial websites?

R Hopkins
This info is probably on the site somewhere, but I couldn't find it. What are people's favorite personal finance websites? Other than Pennyhoarder, of course. NerdWallet, Credit Karma, etc. ... what else, and what do you think of them?Read More...
I absolutely love The Dollar Stretcher; been subscribed since around 2005.Read More...
The Dollar Stretcher https://www.thedollarstretcher.com/ lots of informationRead More...
Last Reply By sthom · First Unread Post

Job loss, Retirement fund, credit debt

D. Morgan
Recently lost my job. Severance will float me for about 4 months. $70,000 in debt: $20,000 to family, $27,000 CC, $6500 student loan for my son, $14,500 car. Retirement fund will need to be rolled over into an IRA (currently in a 403b). I owe myself $11,000 from that fund. Question: Do I use funds from the retirement fund to pay off the debt (plus the tax and penalty for early withdrawal) become debt free, and spend the next 10 to 12 years (I'm 56) paying back into the IRA I established when...Read More...
I also agree not to use the retirement fund, unless you're absolutely down to your last dollar. I hope things work out for you. Focus on keeping your skills current, networking, and looking for a job. Once you've found a job you can focus on paying your debt down.Read More...
Don't use retirement fund (unless you have much much more than you need). However, those penalties are not even worth it. Just try and find another job and work on paying off all that debt. Try and pay it all off as quick as possible.Read More...
Last Reply By lismox · First Unread Post

Happy Friday Penny Hoarders!

Ashlee
We hope you’re having a great week, with a better weekend ahead. Have you browsed ThePennyHoarder.com recently? Here are a few recent articles we thought you might enjoy: Here Are 100 Ways to Have Fun Without Spending Money What You Need to Know If You’re Working While on Disability Benefits Here’s How to Plan a Household Budget Meeting Your Family Won’t Dread How This Mom of 9 Recovered After a Layoff and Fixed Her Ruined Credit And now for this week’s announcements… Another month, another...Read More...
THANK YOU SO MUCH!!!!Read More...
Last Reply By Brenda Perego · First Unread Post

3rd Kid Coming; Should I buy a bigger home?

Hi, I am a single mother by choice of 2.5 year old twins and I plan to adopt a third child within the next 7 months. I live in a 3 bedroom, 2 bathroom 1,500 sq ft house and my mom moved in to help me with my sons. So, there are 4 of us in 3 bedrooms and soon to be 5! I make $240K/yr and I have no debt except for the mortgage. I save 25% of my income for retirement. I can pay off the mortgage in 3 years. I have not started saving for my kids' college yet. My thought is to do that once I stop...Read More...
2.1% seems a bit shy to me too, but if you become interested in either selling or renting, I would recommend setting appointments up with 2-3 real estate agents who do a lot of business in your immediate area, that being either your immediate neighborhood or community. They can do a comparative market analysis and most do it without charge in hopes they will obtain your business, selling or buying. If you decide to keep the house and lease, the analysis will also give you a good base line...Read More...
Hi - Thanks for your input. My home has gone up 2.1% a year since I purchased it. I consider that to be terrible. I had not thought of buying another property. Let me look into that!Read More...
Last Reply By mintjulep · First Unread Post

Saving on a Fixed Income

Jeanne Featherston
I mentioned this in my Welcome message but hope to get a conversation going to learn how people save money while living on a fixed income. I'm 64 years old and live in Michigan, work 35 hours a week right now and am lucky to be debt free. I hope to retire in the next year or two and feel that my biggest challenge will be learning how to save extra money and if after a crisis may arise, how to rebuild my emergency fund. I'm currently trying to set myself up with extra jobs such as house/pet...Read More...
I grew up in Southern California and went to a Camp Fire Girls camp for 14 years. I love it also.Read More...
I've ben through your area-it is nice! I'm in Fenton and love it here. I actually went to a church camp in Chelsea when I was young-Judson Collins. What great memories!Read More...
Last Reply By Kathy E · First Unread Post

Virtual Assistant Job

Forum: Make Money
Elizabeth Grace Bull
How do you know if a legitimate company and/or individual is advertising for such a position? I don't want to give out personal information to anyone.Read More...
Try to check a reputable job portal, if you are not sure try to read the reviews available on Google.Read More...
Check out the Pennyhoarder work from home job page: https://www.thepennyhoarder.co...h/?aff_sub2=homepage . Don't give out your social security number, address or bank account numbers to someone you don't know; I'm sure you already know this but I thought I should reiterate.Read More...
Last Reply By margarette stine · First Unread Post
×
×
×
×