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Budget Saving Information

tlynne
Hi. I am looking for information on how to create a budget to save money.Read More...
I use Mint. I get tempted by YNAB and attend some of their learning session, but just can't seem to wrap my head around it. I understand the concept of zero-based budgeting, but all the pushout categories with YNAB leaves me confused so I've just stuck with Mint since 2014.Read More...
You need to find the right tool for you. I was horrible at budgeting and controlling spending until I began using YouNeedABudget.com. With its tutorial videos and budgeting help videos it is an invaluable resource. There are many great budgeting tools out there so just try them until you find the one that works for you.Read More...
Last Reply By sthom · First Unread Post

Verification of offers

Bobbi Jones
Hi there! I'm new so I'm not sure if I'm in the right place, but I received an offer from a company to put a sticker on my vehicle for ad purposes. The money they said they pay is a bit outrageous and I just don't know how to verify it. The offer is apparently separate from the company itself. There's probably a real simple way to do this but I usually miss the simple stuff and go right for the complicated. 😏Read More...
Yes, these scams are horrible. I have a cousin who got caught up in one who depleted he and his wife's savings accounts. On top of that, turns out the police was watching the company and he got caught up in the illegal mess...arrested! Be careful.Read More...
Hi David, Good for you, you made the right decision.Read More...
Last Reply By sthom · First Unread Post

This week’s Community Announcement 11.20.20

Maryann
Hi everyone, Happy Friday! I wanted to ask: what are everyone’s Thanksgiving plans this year? I’ve heard all kinds of things from small gatherings with immediate family only to people forgoing the holiday altogether. I’d be curious to know what our community members have decided on. In case you missed it, last week I shared that we launched a new newsletter. It’s called Smart Money Moves. It’s a monthly newsletter devoted to all things planning for the future: investing, retirement and so...Read More...
It's a great day to enjoy with family and friends enjoy the dayRead More...
Spent Thanksgiving day at home enjoying some much needed solitude and getting everything prepared to cook for (today) Friday, so my extremely busy 23 year old son and I can enjoy our Thanksgiving dinner and a nice day of relaxing together.Read More...
Last Reply By Dianadchola · First Unread Post

Hello new members!

Briana
Hello and welcome to the new Penny Hoarder Community! My name is Briana, a Social Media & Community Strategist at The Penny Hoarder. I'm in the process of paying off credit card debt and establishing a healthy relationship with my finances. I'm also saving for a long-awaited trip to Greece next year!Read More...
Happy to have you join us .Read More...
Hi My name is Collins Omondi and I am so excited to be here,I want to save money so that I can start my own business. ThanksRead More...
Last Reply By Fredia Stills · First Unread Post
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Is this savings account legit?

Forum: Save Money
lcorbitt
Anyone used Yotta Savings before? Saw them on a Youtube video and opened an account, but didn't feel comfortable enough to put in more than $500. Anyone know if they're legit? It's like playing the lottery in that you get a weekly ticket for every $25 deposited and the top prize if $10 million. It just feels like the prizes must come from existing deposits, though they say they're FDIC insured.Read More...

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...

Possible Divorce

Misty
It may come to pass that my husband and I divorce. I'm an unemployed mother (I retired from my job as process server to have my child and won't go back to it as I feel it's too dangerous). I know I NEED a job ASAP but I'm struggling on what to do next. I've been a process server for 10 years and don't want to go back into it. Should I just start looking for customer service jobs? Write out a list as to what I'm good at (skills, etc)? Go with a seasonal job? Any tips?Read More...
When I went through my divorce and had to change jobs, I went with a temp agency. My first temp job was perfect, and led me to another which was a permanent position. Temp agencies often know what's coming open and have a variety of positions.Read More...
Hey Misty, Best to you.Read More...
Last Reply By KellyFromKeene · First Unread Post

NASA bed rest study

Forum: Make Money
Anga
Hi Penny Hoarders, I read about a NASA bed rest study in the "50 Ways to Make Extra Money This Month" report by the Penny Hoarders Staff and updated November 9, 2020. It is number 31. But it's just a description- no links or information about how you would go about getting in on this opportunity. The pay sounded good- $19,000 for 60 days! Does anyone know about this?Read More...

Hello.

Joshua Seavey
To whom it may concern. I think I’m on penny hoarders email list but I’m not sure. I didn’t receive any emails about possible ways to make money online today. I know I have a profile on here but I need to know how to receive emails everyday. If anyone can help me with this I would appreciate it. Thank you.Read More...
I am guessing it happened on accident when I hit delete from my cellphone. Screens jiggle and spam instead of delete occurred. Please reinstate, thank youRead More...
@Jeff . Hey Jeff - we sent you our new special edition newsletter, Debit and Credits, which you marked as spam. Not sure if that was intentional -- but it caused your subscription to be terminated. Let us know if you want us to reinstate it for you. Thanks for reaching out.Read More...
Last Reply By Jeff · First Unread Post

Hello

Joshua Seavey
Hey everyone. Just thought I’d introduce myself and make myself known on here. Nice to meet you all. I’m using penny hoarder to find ways to earn money from home. So far everything I’ve looked at on this site requires experience. I’ll keep looking everyday but if anybody knows of anything that I can do that doesn’t require any specific skills or experience please let me know. I’m also looking for ways to get training in online and computer skills but am looking for entry level work or just...Read More...
Hello I’m as well new and I would be glad if somebody help us to get more information about how to make money as well . I signed this website looking to get extra income I’m a mother and I have two kids so if somebody can help us navigate.. thank uRead More...
Last Reply By Catrachita Blogs · First Unread Post

Paid Survey - My Garage Rentals

Forum: Make Money
Hey guys! We're having a paid survey over at My Garage Rentals. Please comment down if you want the link to the survey. It starts at $5. Please. Only real and honest answers to our questions as we would love to improve as a company! Thank you everyone.Read More...

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...

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...

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...
One thing I found out a couple years back is the more payments that you make the faster your credit will go up. for instance, I had a small limit on a Chase Card of around $3,000 and I started using it to purchase products for my business and paying it off sometimes three times a week and my score went up very quickly! and my limit it went up faster than the normal 9 months waiting period for small increases. Someone had told me that frequency of payments shows your ability to pay and that...Read More...
Try Credit One, First Premier, Capital One for bad credit Visa/MC's. You will pay a monthly service fee on each card from $6.95-8.95 and a high annual fee and high interest with small CL. $300-500. There are other startup fees, as well. (These are not the cards you have to pay cash upfront to get. I have never tried one of those.) I had 5 accounts paid pristinely for 5 years and there is no good exit plan. The cards proved my creditworthiness and helped my credit score. But when I could get...Read More...
Last Reply By Brooks Cadorin · First Unread Post
If reading isn't your thing, here's a video I made covering FICO scores So, what is a FICO score? First, FICO stands for the Fair Isaac Corporation. The FICO score was created in 1989 as a standardized way for lenders to interpret your credit report and determine whether or not to give you a loan. How is a FICO score different than a credit report? A FICO score is simply a summarized version of your credit report. Your credit report lists all your credit history, but it doesn’t keep track of...Read More...

I'm brand new-need advice

Max
How can I check out one of these companies like "Aspiration" before I give them personal information. The thought of linking them to my bank account scares the daylights out of me. But I also want to make money if it's all safe and legit.Read More...
I would make sure they are FDIC insured for at least the minimum before I would do any business. I actually saw one of the companies has four times the average FDIC Insurance of the current institutions I use now!Read More...
Linking other portals to my bank account scares me too Max! Most of the time, the savings don't justify the risk of potential hacking or just due to a company that doesn't have a strong track record of success. The younger people (I'm retired) seem to be more accepting of placing all these linking apps on their phones.Read More...
Last Reply By Brooks Cadorin · 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...

Community announcement 11.06.20

Maryann
Hi everyone, Happy Friday! I have some exciting news to share with you. We’re writing a book! That’s right — we announced this week that Simon & Schuster/Atria acquired the rights to The Penny Hoarder’s first book . We’re working on some really exciting things that we think you’ll really like. We’ll be sure to update you as the writing process begins, but for now, let’s cheers to the Penny Hoarder book coming to a bookstore near you! There have been some great comments and questions this...Read More...
congratulationsRead More...
Congratulations! ❤️Read More...
Last Reply By irishnanny · First Unread Post

Debt & Moving

Forum: Debt
Hi all, longtime reader/new community member seeking advice for handling debt while I need to move: I recently decided to work with a company to consolidate my CC debt with a personal loan. This is a huge weight off my shoulders because I had a particularly bad 3 years (2019 year being my worst yet) when it came to my mental health and personal finance that sent me spiraling to 20k+ in debt (interest payments were the main problem). As I'm sure you know or possibly even can relate, this...Read More...

Newest member

Scotirish
This is awkward. I'm not sure how to start a new post or new topic. So I'll go back to here and start from scratch. Does anyone here have experience or knowledge about how to LEARN and study for a Series 6 license. I don't have a lot of questions about it because I don't know anything about it.Read More...
wow the things i learn from you all, thank youRead More...
Check this out @ScotirishRead More...
Last Reply By irishnanny · First Unread Post

How do you deal with mooching family members and friends?

Maryann
I was listening to a podcast where a guest who recently came into money was asked how she deals with mooching family members or friends. It got me thinking about this a lot! As you've gotten your finances in order, have you personally experienced this? Whether it's the friend who only reaches out when they need an extra buck or the family member who can't seem to get it together, I was curious to know how you all deal with friends or family who mooch off of you. Does anyone have any special...Read More...
i so enjoy learning from you all i have a granddaughter who is always asking for 30.00 dollars every other week, always pays me back, but i just wish she could make her paycheck last to the next one, other then that i play the poor me mom and grand mother, i save my money, i am on a fixed income, my husband who passed taught me how to save, and i am greatful for thatRead More...
You're probably right about being blamed by in-laws if your husband and brother have a rift. This year has thrown everyone for a loop! I hope it all works out for you and your family.Read More...
Last Reply By irishnanny · First Unread Post
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This week’s Community Announcement 11.13.20

Maryann
Hi everyone, I hope you're doing well! Exciting news! We launched a new newsletter this week called Smart Money Moves. If this year has taught us anything, it’s the importance of being smart with our money — and safeguarding ourselves for the future. So, Smart Money Moves is our newest monthly newsletter devoted to all things planning for the future: investing, retirement and so much more! Get on the list by updating your email preferences here (you’ll need to be a Penny Hoarder newsletter...Read More...
thanks for sharing i like learning all about new thingsRead More...
Thanks, Maryann. Hope you are having a great week.Read More...
Last Reply By irishnanny · First Unread Post

Sinking Fund vs. Emergency Fund

Forum: Save Money
Stephanie C
I'm sure I'm somewhat overanalyzing this but bear with me! The concept of a sinking fund is to put in a little bit of money each month into a savings account in anticipation of an irregular expense in the future. If you have a $3,600 expense every year you would divide it by 12 and know that you need to save $300 each month so that you have the money ready when the expense happens. Obviously you'll have multiple expenses fall into this bucket (e.g. Car repairs/tires, clothing, gifts, home...Read More...

Money

Anth Cast
So I have a $1 bill with serials 02270226 how much can I ask for it? I just started doing all this coin and dollar stuff and I was wondering if I can get some money out of this one.Read More...
You could check out the appropriately named coolserialnumbers.com which lists a whole range of interesting patterns with fancy names like Double Quads and Super Repeaters, (click "Fancy Serial #s" on left sidebar). Unfortunately, I don't think your number corresponds to any of them. They will do an appraisal, but for an up-front fee of $2 ... which for a $1 bill makes it a bit of a crapshoot! Also, as the saying goes, Google (or Duck Duck Go or whoever) is your friend here. Something like...Read More...
You might try a coin collector on line, get multiple ones.Read More...
Last Reply By Lee Linden · First Unread Post
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