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This week in... The Penny Hoarder Community

Ashlee
Hi Penny Hoarders! This week we want to give our Veterans a special shoutout. We’ve been celebrating you all week long and are so thankful for your service. Here’s your weekly round up of announcements... In the market for a home? Here’s how to qualify for a conventional loan, which could save you thousands. Check out this quick video our team put together explaining everything you need to know. You can also read the entire article here . Have you found a cool way to make money outside of...Read More...
Hello penny hoarders I’m trying to build my credit up and people telling me to get a credit card and make my payment on time but I never had a credit card before and my credit will not let me get one anyway could someone tell me another wayRead More...
Too bad I missed the early bird pricing on the event. Who knew you guys would be hosting an event on my birthday when I will be in the area as my wife and I finish up the driving part of our 50 State tour! I will be in Orlando which isn't too far of a drive from the event so I am going to try to see if I can make it work for sure. I don't drink but it will be great to meet some fellow Penny Hoarders and learn from some successful side hustlers!Read More...
Last Reply By Lola Jones · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday! Whew! Where has this week gone? Here’s your weekly round up of announcements to get you through today and into the weekend... We’ve crowned our November Member of the Month. Join me in congratulating Lisa Acu ñ a (@lismox) for being selected this month’s winner! We all appreciate your help around here, Lisa. Each month we look to crown a new winner. We’re looking for someone who is super helpful and active in the community. Each winner receives a $25 gift...Read More...
Not a problem, @Lesley Michele .Read More...
Thanks Average Joe😁😁😁😁Read More...
Last Reply By AverageJoe · First Unread Post

How to Organize Your Financial Life With a Budget Binder

Forum: Budgeting
Ashlee
Having troubling keeping up with everything in your financial life? A budget binder can help. Here's how to make one! Have you tried this approach to budgeting? I would love to hear more about your budget binders.Read More...
@MountainFan , I'm a big fan of TBM. So glad I found her method!Read More...
After reading some of The Budget Mom's posts, I was looking into making something like this for my home. I was so happy to see this article from The Penny Hoarder shortly after, it was uncanny! I like to combine this idea with bullet journaling a little, making my own mash-up version. I love it.Read More...
Last Reply By KellyFromKeene · First Unread Post

Happy November!

Ashlee
We’ve made it to the end of the week and the start of a new month Penny Hoarders! Who here can’t believe it’s already November? 😳 This week I want to know if you’re a planner or a procrastinator… Do you start planning and budgeting now for holiday purchases or wait until the last minute? What about your New Year’s resolutions? And now for this week’s announcements… We just hit a HUGE milestone Penny Hoarders… 10,000 community members! Join us in a celebratory happy dance, then go check out...Read More...
@Susan L. Miller We have used Freecycle off and on for years. We got the foot and headboards for our queen-sized bed through the program. We have seen many items we no longer use go to other homes that would use them and recommend it heartily! We have also used our "Marketplace" here in our area on Facebook to buy and sell things. There are so many ways to go and programs to use! Happy selling...and as one of our mentors says "Think..and grow RICH!"Read More...
I'm not sure how many were here when I joined the Penny Hoarder Community, but I do know that it seems as if we've grown by leaps and bounds. I've met some interesting people and like having information and ideas coming in! May we continue to grow in numbers as well as in wealth.Read More...
Last Reply By AverageJoe · 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...
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

Traveling All 50 States On a Budget

Forum: Save Money
Moore Income
Hi all! It's been quite a while since I have posted on here. While I still try checking in from time to time, my time on the internet has been limited. My wife and I have now been on the road for over 1 month. We are on a trip to visit all 50 States in the U.S.A. and to date we have been to 18 of them. (Driving 48 and flying to Alaska and Hawaii) Our goal is to finish 49 by December and then fly to Hawaii in early January to complete the trip. Many times we get the question, "How can you...Read More...
@BeckAtsila I lived in Decatur when I was in the second and third grades. I went to Lincoln Grade School both years and had Mrs. Zuttermeister in 2nd grade and Mrs. Harrington in third. Of course, as I've stated that was 50 years ago. I'm sure they're long gone and departed to be with the Lord. It was Mrs. Zuttermeister who discovered that I was dyslexic and had my parents get me a reading tutor. By the end of the year, I was actually reading on a college level! I'm thankful for her and for...Read More...
@MsKimberly My cousin just moved to NC this year to help care for her mother who is suffering from dementia. She lived in a suburb of Philly for 15 years. She loved it there, had her own business and was very happy living there. She didn't LOVE it at first, but it became home to her. She was raised in Terre Haute, IN where my uncle was a professor at Indiana State University. I once almost moved my us to PA, but I was told there was some kind of tax people had to pay to work there. It was a...Read More...
Last Reply By AverageJoe · First Unread Post

Vet Bill's and saving

Forum: Save Money
Toni Mccall
You can save a ton of money in vet Bill's by going to your local feed store or Tractor Supply store. You can purchase deworming, flee control, and they usually have low cost vaccinations a couple of times a months.Read More...
Take an empty water bottle with cap on tightly placed into a tube sock. Tie a knot in sock so bottle doesn’t come out. Instant free dog toy!Read More...
Yes! I also purchase 40lbs of pine pellets ( usually for horse bedding) for $7. This is what we use for cat litter. I often add a bit of baking soda too. With or without that, the pine smells so much better, is way more economical + my cat digs it. 😁Read More...
Last Reply By Lori Dyer Rhoton · First Unread Post

Credit card Debt

Forum: Debt
nicoll bartnik
I have been working on my credit for over a year bringing up my score almost 200 points. In August I got scammed out of $1500. I couldn't pay all my credit debts and Im still shoveling out of the damage and now in one month my score has dropped back those 200 points. I have tried now to get a debt consolidation loan or a Credit card refinance loan but now they wont approve me. What should I do so my score doesn't take anymore hits?Read More...
I think you should focus on the credit card debt. Pay those down and get out of that costly debt first. Then you can focus on your score.Read More...
The best advice I could give that could potentially help is to get in contact directly with the companies you owe money to and see if there is any way to work something out that would make your payments more manageable and avoid getting reported for late payments to the credit bureaus. I believe communication is key and a lot of times these companies are willing to work with people because it is better for them to get their money over a longer period of time than to not get their money at...Read More...
Last Reply By E Allen · First Unread Post

Robert Kiyosaki

Forum: Investment
Is anyone (preferably someone with lots of experience in this area), familiar with R. Kiyosaki? He has a couple books out, Rich Dad, Poor Dad. I was looking into his investment strategies which he says are very simple and anyone can implement them. Are his strategies integral? Do they work? Still interested in clarifying the facts..thanks for any feedback. I want to invest money but in a sound & solid way...Read More...
My career was sales and most sales people are seminar/book junkies. I attended and read many and here's my take: 1. I always always took away at least 1 brilliant or motivating idea and usually it paid for the seminar or book; 85% fell in that category. 15% presented 2+ brilliant or motivating ideas and were jackpots. 2. I always wondered why the seminar teachers were teaching and authors publishing instead of doing whatever made them raving financial success stories. One can not have too...Read More...
I have found some value in his books and I listen to his podcasts from time to time to learn about different things going on in the financial world. When it comes to investing, I believe it is something personal that we all have to figure out on our own what advice to follow and if it is something we are willing to commit to and take a risk on personally. I don't believe one key person has the magic investment strategy to make all the money, I believe there are multiple factors that play a...Read More...
Last Reply By mintjulep · First Unread Post

The FAQ UnCertainity

Ronnie Arnett
Is video-streaming service like Hulu & Netflix is worth your cash in US. I support Netflix for the content that available in different genres. But Hulu gives a cheaper subscription to nation. How you think of this... ThanksRead More...
Hey, You're supposed to be encouraging us to give up all that extra cost stuff, but I think you just talked me into keeping my Netflix AND ordering Disney +!! Just kidding! I'll cut back on Christmas shopping, increase charitable giving a little, keep Netflix and NOT order Disney+ (until I give up Netflix).Read More...
My wife and I stopped our subscription to Netflix a while back simply because we didn't watch it enough. But even with the recent price increase, I think it is still worth it for the amount of content you get access to. With the recent introduction of Disney+, I might have to subscribe simply because my wife loves watching some of the shows from her childhoodRead More...
Last Reply By dboothe · First Unread Post

Pre-Black Friday Sales

Shirley
Hi, just wondering what you think of the Pre-Black Friday Sales? I haven't taken the time to really look into the Pre-Black Friday sales. That is why I am asking is it worth it and the time? Do you think you save more during the sales then other times of the year?Read More...

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...
Good for you. It's a new way of life when we don't have all of that to think of every day - it will be a Happy New Year for you!Read More...
@Fredia Stills Sounds like a great goal to accomplish before the new year. I wish you the best on your plan and do keep us updated on how it is going for you!Read More...
Last Reply By Jeanne Featherston · First Unread Post
Page

Savings

Kandy Bradshaw
If you had a small savings put back but it is enough to pay out a couple bills, would you do it or keep your savings and keep struggling check to check?Read More...
This can be a tough one because I know many people who would say "you should never touch your savings account as that money is for your future"... but what future if you are running behind on your bills and can never seem to get ahead? As mentioned by @redcatcec most savings accounts pay you such little interest. Over time, because of inflation, the amount of money you receive in interest is less than the rate of inflation so with a savings account you actually end up losing money in the...Read More...
That is the reason I have kept my savings. Sometimes I have to have fall back on money. Thank you for your input!Read More...
Last Reply By Moore Income · First Unread Post

Tossing 7.00 in trash bags a month!!

Forum: Save Money
Annette Perez
I am single and only require 1 box of garbage bags, but I stand and look at the outrageous price KNOWING they are trash bound. Ha Ha! After owning horses all o=f my life I found the 50 lb feed bags to be sturdier, less, breaking and FREE! Go to a local stable and they will happily save them for you. get the plastic ones.Read More...
Great idea and a great way to make use of something that would otherwise be discarded without being put to second use. I don't live near any stables but my wife and I will reuse grocery bags as well as any spare boxes that are otherwise just getting sent to the dumpster.Read More...
Hi Annette, I have horses as well. I always use the feed bags at the barn but didn't even think to use the rest in my home garbage. You are brilliant. Thank you.Read More...
Last Reply By Moore Income · First Unread Post

Credit Repair vs Credit Monitoring

Forum: Credit
Reginald Cole
What must one do get their credit report cleared from negative remarks?Read More...
While not everything can be removed from your credit report, there are different things you can do to remove negative things that may be in error. I do not have a lot of knowledge on this topic but I found this article that details several ways to potentially remove things from your credit report: https://bettercreditblog.org/h...our-credit-report-2/Read More...
Last Reply By Moore Income · First Unread Post

Bank Accounts with No Monthly Fees

Forum: Think Bank
Hi everyone. I joined The Penny Hoarder because I saw an article about Banks with no monthly service fees. Well I have two more banks to offer. Key Bank and Woodforest Bank. I have checking accounts at both banks and I pay ZERO in monthly fees. I don't believe either bank uses the Chex System ( I hope that name is correct) because I have a POOR credit rating and I got a checking account at both banks without any issues. Oh I just checked and the checking account I have at Woodforest is for...Read More...
Welcome to the community @Della D and thanks for sharing those banks with everyone. For those looking for a fee free bank that is not location specific, I have been using the Chime banking mobile app for quite some time and I really like how flexible it is. I use it to deposit my side gig income and to keep that money separate from my personal money and income. They don't charge any fees to bank with them, they have thousands of free ATMs and they offer a savings account that gives a decent...Read More...
For me it will be my very first time to join here i really hope that i can be part of your teamRead More...
Last Reply By Moore Income · First Unread Post

Free tuition for seniors

Forum: Retirement
David K Winslow
Where can I find the list of cooperating institutions for free tuition?Read More...
I think this is a great subject/find. Seniors are on budgets and this program offered is wonderful. Thank you for the great topic!Read More...
Great list. Thanks. Unfortunately the NY ones are not readily available to us and the Virginia ones have an income limit which is very low.Read More...
Last Reply By lori wulff · First Unread Post

Kindle Direct Publishing (KDP)

Old Skool Pop 5000
Does anyone know or is involved with Amazon KDP? And do you have any good tips on how to get started for "passive" income opportunities? Thank you, Old Skool Pop :)Read More...
@MsKimberly I have heard some things about them from friends who have used them to publish their writings, and have even considered using them myself, but haven't researched them for myself. I would like to publish several books I have written, and have even submitted one forty years ago to a regular publishing house. They said it was a good, solid book, but wasn't what they were looking for at the time. At that particular time, I felt it was rejection on a personal level and instead of me...Read More...
Thank you for your help.Read More...
Last Reply By AverageJoe · First Unread Post

MERRY CHRISTMAS

HI EVERYONE, Hallmark will pay you a $1000.00 for watching movies you just have to go to Hallmark to apply...unfortunately it's not applicable where I live but for US citizens go for it!!Read More...
Too bad I don't have cable...Read More...
Hi Everyone Apparently you go to Hallmark and apply on their website for this opportunity. Thanks!! Happy Monday!Read More...
Last Reply By MsKimberly · First Unread Post

Has anyone done the doordash job?

Forum: Make Money
I'm wandering if anyone has done the doordash to make extra money? I'm thinking about it. But I need a little more insite about them. Like the taxes, reporting to social security, you know the important things. I'm not sure I can do it for a main job but I need to make extra money for the holidays.Read More...
Yeah I knew about the 1099 deal. Just not sure of ss. I can't do it all day long cause I have issues. But I've got to do something to help with bills and holidays. SS is what I'm on and I don't want them to think I can work a regular job cause I can't. I seen something about doordash being sued somewhere over missing tips. Was hoping more knew about it or maybe even do it.Read More...
As far as I understand when you work for DoorDash you are a 1099 employee. So you'd need to pay taxes on it at the end of the year. I have 2 1099 positions that I have to do the same with. That being said I think you can also deduct your mileage and gas, so keep good track of those things. Also I don't think you have any social security taken out with DoorDash, but again, I could be wrong. Good luck!Read More...
Last Reply By layitlo · First Unread Post

How to save money at the vet's

Forum: Save Money
lismox
I have 3 cats and had to put two down this year (we didn't have 5 at one time, only 3). I used both my regular and emergency vet this year out of necessity, but I will be avoiding my vet as much as possible now, and doing the following things instead: 1. Using a vet tech who comes to our local Petsmart. Literally I spent $10 per kitten for their first two vaccines. It would have cost hundreds of dollars at my vet's office. Check with your local pet store to see if they have mobile clinics,...Read More...
@AverageJoe Dogs give so much joy. Many times they touch our lives more than people do. It is very hard when they pass away. If I decide to get a dog, I think I would be better off with one that is not hyper.Read More...
@lismox Glad to be of help any time I can be. Have a great weekend!Read More...
Last Reply By MsKimberly · First Unread Post

Aldi is awesome

Forum: Save Money
lismox
I went into Aldi today after my bike ride, and I was reminded of why I need to shop there regularly. The prices are amazing, the selection is good, and the store was really clean. I love Publix because of the selection, but the prices are much higher. I will continue to shop at Publix for certain items, but I'm going to make it a point to go to my local Aldi's for everything else. I got this really good Thanksgiving stuffing and cranberry pasta. Does anyone else use Aldi's and like them?Read More...
Sans and BJ wholesale are great for certain items. You have to know your prices per item or pound truly compare. Shopping in bulk is not alway cheaper. For cleaning supplies check out Lowes especially for sale itemsRead More...
I like Aldi also but it's just one store in my arsenal for staying within budget. Shopping at multiple stores also helps but those are mostly for loss leader deals, other types of rewards or BOGO's. And yes, although it does not seem to be popular nowadays, I shop at Wal-Mart for a lot of basics. Not too fond of doing so for various reasons, but I will set those aside to get what I want at the price I want. I use coupons too but not as much as in previous years. One strategy that will be a...Read More...
Last Reply By Jack Robbins · First Unread Post

making money online

Forum: Make Money
Hey guys!... i was wondering if you guys heared of this Trading/Investing program... http://partners.etoro.com/A81627_TClick.aspx It looks like a great way to become debt free,financially free and have the time to do the things you would love to do in life and i just wanted a few opinions to make my decision on it!Read More...
@Keenon Felix No, I have not.Read More...
Last Reply By MsKimberly · First Unread Post

Selling my Timeshare

Debra Benigno
I want to. sell my Marriott timeshare. I don’t hold a mortgage on it. I pay an annual fee of $1400. My deeded week is platinum, is lifetime and can be passed on after death. Marriott no longer offers this option. I’ve been an owner for 17 yrs. The timeshare no longer fits my life style. Any suggestions? Timeshare Companies want $1500 upfront, before they sell.Read More...
Everything I have seen over the years makes me very cautious. I would even be uncomfortable with Air BnB. Yes, I have been enjoying the moon and the cool brisk air. Hope you are, too.Read More...
@MsKimberly I totally understand. That's one reason it almost led my cousins into bankruptcy. Some of those who shared the property were very destructive, obnoxious to neighbors, and some were even stealing from area businesses and were taken into custody in that timeshare. They got out of theirs, and I'm thankful they did. It wasn't worth what they paid in grief, though the property itself was quite a beautiful spot. I think now they are using things like Air BnB. I haven't ever tried...Read More...
Last Reply By MsKimberly · First Unread Post

Estate Sales and good evening! I'm fairly new

Forum: Make Money
Juleigh Hastings
Hello, I want to say a little bit regarding my last career which was a blast, sometimes sad, mostly endearing, mostly made excellent money, educating, and much more. I was and Estate Sales Professional. I am telling you all this because I am getting started on conducting my own in three weeks. I have been reading all of The Penny Hoarder site on Side Hustles to sell, and from experience, thankfully, actually, anyone can do this! We have so many items to sell, so many people need things as...Read More...
@Juleigh Hastings , welcome to the Penny Hoarder Community. You're right about the "presentation" issue. It's usually the best thing to make things look their best. At times, we've "antiqued" some things to make it look as if it were from the time period they ere trying to represent. It helps. Good look in going on your own. There are SO many ways to make money through online sales and even personal sales it almost scary if someone misses them and loses out. Looking forward to hearing more...Read More...
I agree about making items look their best. No matter what you are selling, make it look the best you can.Read More...
Last Reply By AverageJoe · First Unread Post

How To Save Money on Groceries

Forum: Save Money
Six on a Budget
How do others save money when buying groceries? I have two ideas that have worked really well, among others: First: Ask what do we have to eat; not what are we in the mood to eat? That simple question saved us remarkably by making do and getting creative with what we already have in the house, rather than frequently running back to the grocery store for a "few more things". Next: Call your local grocery store and ask what time of day that store clearances meat, produce and bakery items. Shop...Read More...
Growing up using Aldi's, we had to use both frozen AND fresh fruits and veggies. With eight of us and friends to boot around all the time, we always had apples, oranges and other things around to eat after school. Of course, we had chips and the fried apple and cherry pies as well, but we were usually directed to the FRESH things first! Mom always made sure of that. We were also blessed in the fact that we had a friend who grew veggies in an acre leased lot close to our church who brought us...Read More...
I love Aldi!! I even found that you can use coupons on some of the name brand items that they have in the store. We save money with our family of 6, five gentleman and myself, by couponing as well. I buy fresh vegetables and fruit but sometimes purchase the frozen because they last longer in my house.Read More...
Last Reply By AverageJoe · First Unread Post

Got early access to an app that earns rewards

Forum: Make Money
Hi dear community - I signed up at mailrt.co and got early access to rewards. The way it works is they are taking physical mail online. As I save more trees, i get more rewards. it’s a great way to also get rid of junk mail.Read More...
Not sure what to expect. I went to the website...it said join the wait list. Not sure what to expect. Time will tell.Read More...
Last Reply By MsKimberly · First Unread Post

New A/C Payout Now or Finance Later?

James Nixon
I have the opportunity to replace my 17yo A/C unit and pay cash, but the unit is running and has a new controller and compressor replaced last year. My question is should I payout 7k for a new unit now or run this unit out and finance the replacement down the road? #goodproblemtohaveRead More...
I have a very similar situation myself. My HVAC system is 29 years old and it's living on borrowed time. 7K to replace everything and I'm going to do it. I figure the sooner I start running something efficient I'll be saving money due to the higher efficiency of the new unit, so I'll be saving money every month. The power company sends out monthly "usage" figures and they say my house consumes 42% more energy than the houses around me.Read More...
I saw your post, and signed up so I could reply. I am an HVAC service tech, and if you recently replaced the compressor and controller, that is a big deal. If this unit is not giving you problems I suggest keep running it. Although do take care of it, change your air filter Every month, and keep your outdoor condensing unit always clean. Use you garden hose and rinse the coil clean, often. That is how it rejects the heat inside to cool you. if you have any questions just ask.Read More...
Last Reply By Jimi · First Unread Post
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