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Welcome, Maryann!

Ashlee
Happy Friday, Penny Hoarders! I’d like to introduce you to our newest community ambassador, @Maryann . Maryann meet the amazing Penny Hoarder community, community meet Maryann! She’ll be an additional resource for you all by helping me answer your questions and post important announcements. I’m not going anywhere, and will be still be around getting to know you all. Join me in giving Maryann a warm welcome! Cheers, AshleeRead More...
Hello!Read More...
Last Reply By Maryann · 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

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

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...
@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...
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...
Last Reply By Prince_Alarming · 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...
It drops everytime the feds cut the rate. So its currently 1.82%.Read More...
I just checked Wealthfront and their savings APR is 1.82%. So I'm confused at how you're getting a higher rate with them.Read More...
Last Reply By E Allen · 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 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

Actual value of possible collectible $1 bills

Forum: Make Money
Hi there, I am new here. I have several $1 bills saved up thinking/hoping they may have more value that their $1 face value. Does anyone know how to find out if what I think is a collectible $1 bill is and/or how to have a realistic worth to be able to potentially sell to a collector (EBay?)? I have many that are, what I think, matching some of the collectors' wants (i.e. low serial #, quad numbers etc...) Any input would be great! i would like to either use or sell as soon as possible!Read More...
I believe that the $1.00 bill will become obsolete just as the $2.00 bill did. I have been keeping several small stacks of this particular denomination in case it ever came down to it being taken out of circulation. I'm not sure how much the bill itself is valued at at this present time, but I believe it is far less than one dollar.Read More...
This is an interesting topic. I have not even begun to though about the value of a one dollar bill. I suppose that time will come when we no long use change and ones.Read More...
Last Reply By AverageJoe · First Unread Post

What do you do when you have a surprise expense?

Forum: Budgeting
Melissa
What do you do when you have an expected expense? Do you pull money out of your savings to pay for it? Or do you put it on your credit card?Read More...
We try to anticipate large expenses and save accordingly. (Not always accurately.) Before we had a slush savings account to cover unexpected expenses, we would just skim off the accounts we had and cut back on cash purchases, like food and clothing until it was covered. Medical expenses are a whole different thing. When we had our first child, he was a preemie with a cataract. We spoke to the hospital and eye practice frankly about our financial situation. They were willing to accept...Read More...
I use a combination of credit cards and savings to deal with unexpected expenses. I have two credit card balances right now that I'm paying on, slowly but surely. Within the last few months I had a situation where my escrow account was short and I had to pull $3,000 from two separate accounts. So know I'm a huge believer in having savings accounts even though I do have some credit card debt (which I'm paying on).Read More...
Last Reply By Olivia · First Unread Post

Home Meal Delivery

Jeanne Featherston
Has anyone tried the home meal delivery companies? I was gifted a free week and am trying to make a decision about continuing. I live alone and do maintain a grocery budget...and do enjoy cooking. From what I see I can stop and restart the subscription so I'm not overloaded. The freebie did include a lot of product-it was three meals for two which meant six meals for me. It included the protein, veggies, and numerous things to complete the menu-things like small sour cream, chives, garlic,...Read More...
I've loved Sunbasket & Greenchef because they have organic offerings -- Sunbasket being the most flexible with different options!Read More...
I've tried Freshly with a promo - 5 already prepared meals for ,$39 and they were delicious. However after the promo the price went up to $59 which I thought was a bit pricey for me but with a promo code it's worth a try especially for those who are disabled, seniors who have no help or people who are super busy.Read More...
Last Reply By Theodora · First Unread Post

job search/resume/cover letter

slynneh 25
on the job hunt and all the specifics of what u should or should not do or include/not include gets confusing especially with so many "experts" differing on their opinions. i have finally got to the point of submitting resumes on sites like indeed, glass door etc but hit a wall about a cover letter...yes?no?how?do u include as part of uploaded resume d Or do you type out something in the space they provide in the additional information section? Should you even bother with a cover letter if...Read More...
It depends on the position. If it’s a manager position or above, then a cover letter is typically a good idea. Otherwise, it’s probably a waste of time unless the job ad specifically asks for one. If a cover letter is needed, keep it simple, but customize it and include information specific to the position you are applying for (i.e. your relevant experience or skills/attributes, your passion for the type of work, why you think you would be a good fit for the job, etc.).Read More...
Hmmm, a really good question! I would say it depends on the job vs position (career). If a simple task job like working at McDonalds, then, no, a cover letter would not be necessary. A basic resume is all that is needed with just the facts and dates pertaining to potential employment there. If going after a position/career then the potential employer would want to know if you are capable of the communication skills that would be of benefit to the company. The potential employee-through the...Read More...
Last Reply By Liz Anthony · First Unread Post

Great Budget Friendly Gifts

lori wulff
Most of the people today are tech savvy and easy is the key. FOR ALL. I make up "gifties" cosmetics, bath & body, haircare, and techie. Everyone loves to get a bunch of gifts, and a bunch of little helpers for daily living get used; there not gifts that get put in the closet. I suggest to stay safe and get what your people use.Read More...
This is really interesting! I've been thinking a lot lately about the whole gift giving concept. I think the "buy, buy, buy" mentality that comes along with the holidays has us all purchasing lavish gifts we *think* people will like versus. what people actually want/need. Curious what other budget-friendly gifts people are thinking to purchase this holiday season?Read More...
Last Reply By Maryann · First Unread Post

education

Sharon L Greene
I would like to know the colleges in my area that offer courses with free tuition for seniors. I live in West Virginia but am close to Maryland, Virginia and Pennsylvania. Thank you!!Read More...
Hi Sharon! This article from The Penny Hoarder may help. It lists out free courses by state too. https://www.thepennyhoarder.co...for-senior-citizens/Read More...
check out community colleges and state universities. Call the admissions offices.Read More...
Last Reply By Maryann · First Unread Post

Eliminating Credit Card Debit - Take out personal loan with low interest rate

Forum: Debt
I owe about 22,000 between 2 credit cards. I am wondering would it be wise to get a personal loan, using a website like bestegg, and get a much lower interest rate than what I am paying between the 2 cards. Any thoughts or strategies???Read More...
Thanks for all the replies. I really appreciate it. I think my main focus will just to try and pay an additional amount as much as possible each month. Also, I will try to make additional payments throughout the month on each card. I also may try to set up recurring payments of a certain amount each week to be withdrawn from my account.Read More...
I had $22000 spread over 5 cards. I am in the process of paying it off and have done the loan without success. The small loan companies charge more interest and it’s not worth it. I have made a payment schedule and paying down the highest interest cards first. It’s working and it feels great!Read More...
Last Reply By Leon · First Unread Post

Car Insurance

Forum: Insurance
I shop insurance rates every few years and had a thought. Is it a gamble or a smart move to buy the lowest coverage that's legal and then buy an umbrella policy to cover you and your assets should the worst case scenario occur?Read More...
Thanks for the input...my agent kind of hemmed and hawed when I asked him his thoughts. Of course, it would cut into his commission.Read More...
Last I checked with my car insurance, they didn't sell umbrella unless you got a higher coverage. I think thats with most insurance. So you won't be able to get the minimum on the regular insurance and an umbrella coverage.Read More...
Last Reply By Eubie12 · First Unread Post

Narcissistic bosses

Bobbie Kehoe
I'm just wondering if any of you have had a narcississtic boss. How was that? Would love to hear more about itRead More...
I've had one narcissistic boss who was also the owner, and it was the only job I was ever fired from. Ironically the day I after I was fired there was a business article in the local paper about my sales ranking and awards within the company which had been submitted days earlier. I couldn't have asked for a better "stick it"! He and I clashed on ethics, something I've never felt I needed to compromise in business or personal life. I wasn't the only person he tried to control to his...Read More...
My friend's daughter is going through the learning experience of narcissism from her soon to be ex-husband. He is insecure, jealous, and trying to isolate her-making her off balance and think she is the one with the problem. This escalated. In my opinion this could have been avoided by getting to know the person you are going to take vows with for a long period of time-years. That way you can see how they handle stress, finances, relationships, and of course family. Before the marriage, they...Read More...
Last Reply By mintjulep · 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...
Well, it’s a Marriott you get what you pay for. Your paying for the amenities they offer, guaranteed. Renting on a daily basis is way more expensive.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...
Last Reply By Debra Benigno · First Unread Post

Side hustle from home

Forum: Make Money
Leslie Kay
I am the self-proclaimed side hustle queen amongst my friends and family. I am limited by some health issues and income restrictions so I have to watch for certain criteria. But I hear that frequently in this forum so I thought that I would share my latest money-making find. They pay you thru Paypal and your 1099 is from Paypal, not the company. I have started being an ESL tutor online . I particularly like Cambly for the majority of people because you do not have to have any college degree...Read More...
I took a deep look at this, @Leslie Kay, and seriously thinking about it. Thank you again for the tip.Read More...
I assure you that I am not receiving any credit or commission and I am not intending to recruit anyone. I am just sharing one way that readers can make money from home. Cambly does not ask tutors to recruit. They may have a referral bonus program but I am not aware of it and have not included any link or info to get myself any money.Read More...
Last Reply By sthom · First Unread Post

free tuition for school i'm a seniors.

Forum: Retirement
Christopher Gaffney
looking for schools for seniors with low or no tuition.Read More...
Ivy Tech community college (Indiana) offers free tuition to seniors 60 and up. Their website says: Indiana citizens 60 years of age and older can take credit courses at Ivy Tech tuition-free. In order to qualify for this program a person must meet the following requirements: Be an Indiana resident Be 60 years of age or older at the start of a semester Possess a high school diploma or GED Be retired from their primary vocation (does not apply to homemakers) May not be employed on a full-time...Read More...
At UBTech in Utah, their policy for Seniors is: "Senior Citizens (62 or older) will receive an 80% discount for individual classes. Enrollment will be allowed on a space-available basis. Community education and other self-funding classes are exempt from the senior discount." This is listed in their catalog on page 12: https://www.ubtech.edu/wp-cont...nd-Catalog-Nov-1.pdf I would imagine other community/technical colleges in Utah could have similar offerings, the best place to check would be...Read More...
Last Reply By Madyson Shannon · First Unread Post

Looking for Air miles flight hacks

Cali_Karley
Hello Penny Hoarders, I'm looking for some help with travel hacks, specifically air miles. My good friend is getting married in April 2021 and she lives in Georgia, I'm in California so I know the air fair is going to be pricey. (I'm also going to be in the wedding and know costs will be high.) I'm looking to get a credit card so I can save on my travel, in the long run I mostly use SouthWest air lines because of my location and was wondering if you had any advice on how their points work.Read More...
I know that my mom has a Southwest credit card and racks up lots of points on it by putting just about everything she can on the card. Southwest seems to be a good airline, but one of the things I don't like about them is their lack of assigned seating. You may also want to look at www.expedia.com , www.travelocity.com or cheapair.com . I'd also recommend playing with your dates and times to see where you can find the best rate. Watch out for credit card miles rewards programs, which often...Read More...
Last Reply By lismox · First Unread Post

Knock knock. Who's there? New Forums!

Melissa
Knock knock. Who’s there? Mustache. Mustache who? I mustache you a question, are you ready? Ready for some new boards? We have three new topics that are open and ready to hear your thoughts: Bank Accounts, Insurance and Entrepreneurship. Do you have any bank accounts that you love? How do you pick your insurance? Any entrepreneur advice? Let your voice be heard. You can find these boards under the SHARE drop down menu. If you have any questions, please feel to reach out to Briana or myself.Read More...
I’m looking for tips and comparison chart type of information for renters insurance on a budget of course. If there’s already topic like that I was unable to locate. I only found life, car, homeowners, pet and disabilityRead More...
Insurance would be an interesting topic. I have had insurance though work for the last 25 ish years, and have noticed that in the last 5, man, has it gone downhill! I'm paying a lot more for A LOT less and its frustrating. My clients use the Marketplace, and in NH, there are very few choices.Read More...
Last Reply By Alisak · First Unread Post

What do you do with your junk mail (paper mail)?

Wondering how everyone feel about so much junk mail we get. Most people I have come across hate it but a few of them like browsing through it. I am just sad how much paper is wasted.Read More...
If there is a “postage paid addressed envelope” included I stuff as much of it as I can into it and mail it back to them with some sort of a note like do not forward or no more spam please. Believe it or not it works in two ways first by using then by preventing at least some junk mail. Digital junk mail aka spam is a different topic altogether.Read More...
Interesting, thanks for sharing!Read More...
Last Reply By Alisak · First Unread Post

Pet Insurance

Forum: Insurance
MeganC1041
I've been considering purchasing pet insurance for my 2yr old puppy. Is it worth the cost and can anyone recommend a site where you can price compare? Much appreciated!Read More...
I have found the pet insurance runs approximately $25-$75 monthly which for me is not feasible considering my disability income.Read More...
BJLEE fish can get costly to. I have had so many fish. I even started breeding them. I could tell when a fish was going to have babies. lolRead More...
Last Reply By Alisak · First Unread Post

Instacart

Forum: Make Money
hi, does anyone here shop for instacart? I was thinking it could be a good side gig for me but I want more info first. 😉 Thanks!Read More...
ON A CONTINUING BASIS, YOU SHALL BE SOLELY RESPONSIBLE FOR, AND TO THE EXTENT REQUIRED BY LAW: A. SECURING AND PAYING FOR WORKER'S COMPENSATION INSURANCE; B. SECURING AND PAYING DISABILITY INSURANCE, HEALTH INSURANCE, AND/OR OTHER SIMILAR INSURANCE; C. SECURING AND PAYING UNEMPLOYMENT OR OTHER SIMILAR INSURANCE CONTRIBUTIONS; D. SECURING AND PAYING ALL NECESSARY LIABILITY INSURANCE FOR YOU AND ANY PERSONNEL; E. SECURING AND PAYING FOR AUTOMOBILE INSURANCE IN COVERAGE AMOUNTS CONSISTENT WITH...Read More...
Since I started delivering for Instacart some time ago, they have implemented something in their app that allows you to pick up any extra orders that people scheduled to work can't do. Since then, I have never scheduled myself for shifts but rather just picked up any orders that I had time to do. I really like the flexibility this allows and it means you can choose to do delivery only orders or do orders that include having to shop for the items. This way, if the distance for delivery is too...Read More...
Last Reply By Leslie Kay · First Unread Post

Need to make fast money, legally! Lol

Forum: Make Money
Teresa Myers
Hi everyone! I'm new here so I'm not sure how this works but hopefully I can get some ideas on how to make some fast money the legal way. I'm in need of a place to live ASAP.. currently living in a motel.. and my car needs work and I have to get my suspended license , unsuspended by next month 12-19-19!! Please HELP ME! !IM SO STRESSED OUT 😫😫😭 ANY ADVICE PLEASE!?! ?THANK YOU SO MUCH! 💯❤️😘Read More...
In Michigan, I only have jobs $10 or less.Read More...
I just downloaded Easy Shift and the prices I'm seeing are like $8, nothing more than $10. So you must have a better selection where you live. I'm in Orlando, FL.Read More...
Last Reply By Leslie Kay · First Unread Post

Higher Education

Forum: FAQ
Barbara Moon Batista
I would like to earn my MFA but having trouble finding an online study course that has senior discounts or no fees. I am interested in online as it doesn't limit geography. I am in the Monterey Bay area. BarbaraRead More...
At this link, you can find a list of online MFA programs. https://www.guidetoonlineschools.com/degrees/mfa I do not know about senior discounts, however. If you have a lower income you could fill out a FAFSA and see about grants or federal loans, as options.Read More...
Hi Barbara! I took a writing course through UC Berkeley Extension even though I live in Florida. It was online. I recommend them, but it wasn't free. You could inquire about any senior discounts they may have. Here is the link to the writing certificate program website: UC Berkeley Extension . They have writing certificate tracts that help prepare writers for applying for an MFA. Good luck!Read More...
Last Reply By Leslie Kay · First Unread Post

How I Paid Off My Student Loans By Selling on eBay

Forum: Make Money
Six on a Budget
As a stay at home mom of four kids, I've been selling on eBay for about ten years. I paid off my student loans in 18 months! It has been a flexible, lucrative option. Here are details of how you too can get started: https://sixonabudget.com/i-pai...-a-stay-at-home-mom/Read More...
I tried to look at your website but there seems to be a security issue.Read More...
You can use Ebays discounted shipping by printing right from the item. Using USPS preset priced and sized boxes, especially if the item is heavy. Buy a scale when you are starting out. I was stung a few times by heavy items that wouldn't fit in preset boxes and had to travel cross country.Read More...
Last Reply By lismox · First Unread Post

Side Gig - Census Worker

Forum: Make Money
SSD
Hi All, Just wanted to post a flexible side gig: https://2020census.gov/en/jobs.html Pay varies according to the county you reside in.Read More...
The first timers in my county get $19 an hour. The pay varies by State and county and you do have to walk a lot. The pay by county look up tool is here: https://2020census.gov/en/jobs/pay-and-locations.htmlRead More...
I have suggested this to a few different people and all I hear is negative comments about it is dangerous parts of town and the people don't want to cooperate so you just walk around in the cold for hours. The $16 hr is for the Supervisors. the workers are $10-$12 range for first-timers. I thought this would be a great side gig and would look good on someone's resume! If you need a job I believe you can find work if you open your mind to all opportunities.Read More...
Last Reply By SSD · First Unread Post

401k vs. 401a

Forum: Retirement
Hello Community! I currently work two jobs, full time for State Government and Part Time for a retail store. I am enrolled in a 401a retirement account with my full time job and a 401k account with my part time job. Could any of you explain the difference of these two? Especially with Regards to my taxable income amount.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...
@Shari L Dilley Your situation does indeed sound complicated, and I'm sure it is. Not living in PA, I don't know what if any support is out there for you. I know that we have had friends and my sister-in-law and nieces living there. The youngest niece has a situation very similar to yours. She has had to file for child support for one of her children from the father of that child, but he has refused to pay. Even with the possibility of having to go to jail, he won't pay. She has received...Read More...
Thank you all for the helpful advice. My situation is rather complicated by the nature of our custody agreement and the unwillingness of my partner to stop being co-dependent with his daughter. Assistance in our state (PA) is almost non-exsistant. We are just over the income level for food stamps and energy assistance. We all receive medical coverage thank goodness, due to my partner and I both qualifying for workers with disabilities insurance, Child support is a joke due to my partner.Read More...
Last Reply By AverageJoe · First Unread Post
Page

Free Tuition for Seniors

Forum: FAQ
Ju Ju
Living in the St. Louis, Missouri area, I'm looking for free tuition as some of my local colleges. Any ideas how I can find out?Read More...
Call the Admissions office of a nearby Community Colleges or Junior College. The first thing they ask you to fill out is the FAFSA for the schools you are interested in and to see what grants or loans that you may qualify for. I know that usually senior centers in your area will also know which colleges would offer this type of program and usually have email addresses on their website or you could call them. I believe this would a program offered on a per college basis, as I have never heard...Read More...
Last Reply By Leslie Kay · First Unread Post
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