Latest Buzz

How Do I Earn My points

Forum: Make Money
Joyce Taylor
I am confused on this site, how do i earn my points on this site? I read the instructions I still don't get it, can someone please help me. So I can get this right.Read More...
You have helped me out a great deal, with my question I thank you a lot for this.Read More...
Hi Joyce, You can earn points by engaging within the community...posting a new thread topic, posting comments on existing threads, sharing on social, etc. Does that help? Also, you might want to check out the FAQ info in the Get Started section. https://community.thepennyhoar...reference-guide-faqsRead More...
Last Reply By Joyce Taylor · First Unread Post

Suggestions for the best type of loan for home purchase

Cindy Tyson
We have lived in a rental house for almost 30 years. A couple of years ago the landlord offered us the opportunity to purchase the house at a price well below the value. The house is on 1.5 acres in a rural area. It qualifies for a USDA loan. So far so good, right? Here's the problem, many years ago a portion of the land was set up as a mobile home lot and the landlord rented the space. Several years ago someone rented the lot space and moved the mobile home to the land. When this person...Read More...
Thank you for your suggestions and incite on my issues.Read More...
I can't guide you on non-comforming financing but a good, experienced mortgage broker might be able to help you. They would not be working for bank financing departments but instead look to mortgage companies where there are usually a lot more options for types of financing. I don't suppose the current landowner would be willing to hold a mortgage note? At least until the mobile home owners can move the mobile home. It is kind of you to keep their concerns in mind but I have a feeling you...Read More...
Last Reply By Cindy Tyson · First Unread Post

Gambling

Thomas Teaver
What do do in a situation where you tried to gamble to make ends meet but ended up worse off than before.Read More...
Step 1 would be to stop feeling regret and wishing you can go back and change things, because reality is you can't and the sooner you can accept that the sooner you can move forward. Step 2 is to take a look at your situation and come up with a game plan and break it down into steps. If you feel overwhelmed, you may need to start with small short term steps so that you can build your confidence and work on feeling positive.Read More...
If you are able to dissect why you are in such a tough place, maybe start with 1 thing you are able to change and hit it hard. It takes a lot of strength and discipline, and you can't quit. If you feel it is an insurmountable situation, you'll have to depend on someone else doing it for you. Do you have someone like that in your life?Read More...
Last Reply By TheSugarFreeLife · First Unread Post

Why Google Flights Hotel Option is Better than Others?

Johnny Deep
When you are searching for a flight, Google Flights is the main webpage on the web you search for modest arrangements. Be that as it may, do you realize it likewise has the choice of inn appointments? Very few clients know about it. In the present blog, we are going to tell about it. What alternative it has, how can it help you to book a perfect inn for yourself? In the wake of understanding it, you will know correctly what you are searching for. Be that as it may, it completely relies upon...Read More...

Out on sick leave

Forum: Budgeting
1cent
i ended up in the hospital and was out of work 3-4 weeks. I have sick time but it’s paid out in December. I was out last year and determined not to use all my time. I took 2 sick days a week and waiting for the HR to get my private disability in. I have a dr appointment with surgeon next month so I asked to return to work meanwhile to get a full check. I’m in pain but can handle it as I work 4 days 9-14 hour shifts. I like to go out in the winter if I had to have more surgery. Use my...Read More...
I wish I had advice for you.Read More...
Last Reply By MsKimberly · First Unread Post

Credit card debt

Forum: Debt
I am looking for a way to have a lower interest rate on my credit card and my credit company won’t lower it due to it being a starter credit card. Any suggestions?Read More...
Talk to your credit card companies. Explain your financial situation and ask if there is anything they can do to help. Many will lower your interest rate for a period of time and/or waive current late fee balances to give you an opportunity to catch up.Read More...
To credit card save moneyRead More...
Last Reply By margarette stine · First Unread Post

This mom needs work!

Forum: Make Money
I have a 3-year-old son but daycare has a waiting list. I need a serious online job or creative gig. Any ideas?Read More...
If I may ask, what's the name of the company?Read More...
My company is actually looking for people to help enter businesses into a database for a kids directory. All that’s required is simple Google searches and data entry. If you’re interested, send me a message.Read More...
Last Reply By Jillian Tyre · First Unread Post

Plasma donation

Forum: Make Money
Saves live and depending on where you go there is compensation for your time.Read More...
I donated several years ago when I was making a good income. It helped me, but I was terrible at saving, so I'm not sure how much. I still have scars from my donations and even though we're not rich now I wouldn't do it again. That and I take meds and I don't want them titrating out of my body.Read More...
Thanks, Jacob. I donated years and years ago. Just wondering if things have changed much. Thinking about trying it again for supplemental income.Read More...
Last Reply By lismox · First Unread Post

need to make extra money

Forum: Make Money
Amanda Ramsbottom
Look to make some extra money had some hospital visits that i need to pay off anyone have any suggestions.Read More...
Hi Amanda- you & me both- looking to make extra $- I know people don't want to clutter the market w/ tips so that they can make $ too, but I don't mind sharing what I've done so far- (in the name of neighbors helping neighbors and putting positivity out into the world and all of that...) What's worked really well in early at least an extra $125/wk as long as I answer every lead and follow through with it (you'd be surprised at the large # of calls/ texts you will receive) for me, and for...Read More...
Last Reply By jen.$aving$.in$outhFL · First Unread Post

to buy or to rent?

For the first time in our lives we're in a position to purchase a home. We're not sure it's worth it. We're planning for a 10 or 15 year mortgage, staying in our current job situation for 7 more years and then retiring elsewhere. Is there a way of calculating whether our selling price would net us a profit?Read More...
Someone suggested we save the "extra" cash above what we pay in rent and invest it. There is no extra. It's either rent/or pay a mortgage. Someone else suggested we have a 3-6 mos. cushion saved in addition to the down payment. That was very helpful. We have the other ducks lined up, but we'd be pretty much putting the whole shebang into a down payment. Thank you all for giving your different perspectives. A good bit to mull over.Read More...
I think buying a good home with a 15 year mortgage is definitely the way to go as long as you have checked a few boxes first: -3-6 months of expenses saved - No debt -Staying in the home at least 3-5 years -Mortgage is less than 25% of your take home pay My wife and I are 34, and recently built our 3rd home. Our first home was purchased in 2007 at the peak. It took 7 years to get back to where we had some equity in it using a 30 year mortgage. Our second home was on a 15 and we were in the...Read More...
Last Reply By Olivia · First Unread Post

Total loss valuation

Forum: Insurance
Gina B.
I am looking for the fairest estimates for homeowner insurance. And, I am a bit deflated from the deception the bundling idea presents (fyi, in my estimation it's a hoax unless a savings of $8 is worth it). I have noticed that the estimated sale price of the property and the total loss of the property has an exceptionally different valuation and i mean a good $70k difference. Can someone explain why this is? As an aside, another increased personal liability I am seeing (to consider) is for...Read More...
I was doing that, receiving estimates. But thanks. I was also asking about the rationale and in particular coverage for firearms.Read More...
Find a local broker who can give you quotes from multiple companies. This is the best way to find a fair price.Read More...
Last Reply By Gina B. · First Unread Post

Should I purchase extended warranty?

Karen McEuen-Novak
I recently purchased a new 2019 Toyota Camry. I used my car as a trade in and paid the rest in cash so I have no car payment. Upon venturing into the finance manager office he naturally tried to sell me several different warranties. The new car came with a 2 year or 25,000 mile warranty. I declined all the warranties. I came home and did some research and uncovered that I can purchase the extended warranty any time before my current warranty is up. Funny how they don’t share that info with...Read More...
I have found a lot of this depends on how you drive and use your vehicle. If you are going to be putting a lot of miles on very quickly, I would probably invest in some of the extended warranties because you're going to be putting on miles faster than the allotted time. If you are sticking close to home, Id say you're probably fine with your current warranty. I do a lot of my own maintenance on my vehicle (03 Mazda 6). I found out that most of the parts I purchase, I can put a warranty on...Read More...
I didn’t purchase a warranty and s transmission cost me $4500, 2 months after the original warranty expired. The next truck, I purchased the warranty. So far I have used it for $2700. Half way through it’s time.Read More...
Last Reply By Gabby · First Unread Post

Student Loans vs. Everything Else

Forum: Debt
Stephanie C
We currently have about $280k in unsubsidized student loan debt (gotta love doctoral programs!), plus a mortgage and some random other debts which will be paid off by the beginning of the year. Every time we look at ideas when it comes to paying off student loans, it seems like we get a different answer, so I'm looking for some more opinions in general. As it stands, we're on an income-based repayment plan. Assuming our incomes don't change at all, over the course of 25 years we would be...Read More...
I have these same questions, since my student loan debt is sizable as well. I pay $1300 a month on IDR and it doesn't even cover all of the interest accruing. I'd have to pay close to $2500 a month to pay it off in 10 years. GAH! It is unbelievably depressing, but unless they do a full scale forgiveness or change the bankruptcy code that allows these debts to be discharged, I'm not sure I'll ever actually pay these off. We try not to live extravagently. We have older cars, buy groceries from...Read More...
I'm certainty not wait for any forgiveness, I'm just not paying any additional at this time, the monthly payment is 899.00, at that rate I'll have paid them off in 7 years. I'm hopeful for a new administration that will see that education is the backbone of this country, and the US government shouldn't be making 6.5 to 6.9 percent interest on college loans.Read More...
Last Reply By Birdie13 · First Unread Post

SUMMONS

Forum: Debt
Sango
Does anybody know of a book that one can use to give an answer to a summons to pay a debt?Read More...
@Sango also, here's a list of forms you can use to respond to the debt lawsuit. Just choose the form from the state you live in; fill it out and file it with the court. https://www.solosuit.com/posts/9Read More...
😮 WOW...thanks so much.Read More...
Last Reply By George Simons · First Unread Post

How to pay off medical bills?

Forum: Debt
I have had 9 surgeries in the past 9 years. Are there any grants to help with medical expenses that this community could suggest? AngelaRead More...
It is so sad that in this country people have to be faced with such difficult situations regarding medical care and its cost. Everyone deserves to have the medical care they need/deserve and not have to choose between paying the bill or buying groceries. Something in this country needs to change and we need to eliminate corporate welfare so that the wealthy pay their fair share of taxes so that we can have an equitable healthcare system.Read More...
Never Give Up, my wife has continued to recover, went back to work on light duty the February after the accident, has since had a promotion, and will keep fighting any obstacles day by day. Thanks for the good wishes. I'm sure she appreciates them as I do.Read More...
Last Reply By kittykat1960 · First Unread Post

Budgeting Apps?

Forum: Budgeting
Katie Gabriele
Can y'all talk to me about EveryDollar vs Mint vs YNAB? We've tried using an Excel spreadsheet and it's just not working for us. We like the idea of our credit/debit card transactions being automatically inputted. We'd prefer a free program, which is why we're leaning towards Mint, but if another program is worth the money spent we're open to it. So what's the favorite around here?Read More...
Cool! I've never tried the apps because I sit at a desk all day so keep my spreadsheet on the Google Drive so I can see it anywhere. I like it since I can go in and put expected expenses in (and if they change can tweak it). I watch tons of YouTube videos too about budgeting. We've got this!Read More...
I've tried Mint, EveryDollar, PocketGaurd, and a few more random apps. So far.... nothing really helps. I have found that my bank is usually the problem- it never stays connected. I have a state FCU that's pretty small, so that may be why. But I liked Mint while it worked. I like the concept of EveryDollar though, as it allowed me to sort of visualize my savings better by actually setting budgets for things. I started using my Google calendar to input all my bills, and that helps me budget a...Read More...
Last Reply By Jeanne Featherston · First Unread Post

Scholarships

Forum: Make Money
Averie Messenger
Hello Everyone, I'm seeking advice for scholarships. The few on my college website are few and far between and very specific for applicants (like year, major, and extracurriculars). I'm searching for other avenues to win scholarships online but I need some help locating good websites that are legit. I have an excellent GPA and I can write essays or anything as necessary. Does anyone have any tips? AverieRead More...
I talked to my profs for my degree; they tended to know more ins and outs or major specific scholarships than my financial advisor did. I also talked to librarians, not just at my college but my main library. Weirdly enough, they knew a lot of other legitimate resources I could look into or could show me a section where I might find what I was looking for. Our main library apparently had an ENTIRE section of books with just website and foundation listings that offered scholarships I'd never...Read More...
If you have any special skills, you might want to look organizations or groups that support those special skills. Over the years I have viewed scholarships for people who are left-handed....being home schooled...etc.Read More...
Last Reply By Gabby · First Unread Post

For those Who do not drive, what is the cheapest way to get around?

Forum: Save Money
For those of you who do not drive, what is the cheapest way for you to get where you are going? That may be work, church, shopping or the library. Is it a taxi, Uber, a private driver or some other day?Read More...
I agree there is a need for more options.Read More...
It seems like Nashville is going to eliminate the scooters. Mayor Briley was just defeated for another term as Mayor in last nights election, and I believe his replacement is going to be in favor of eliminating the as well. They have become a nuisance in Nashville as they are left where they're not supposed to be in the first place, don't adhere to the rules of the road, and are used to commit crimes with less suspicion. They're responsible for many auto accidents and hitting pedestrians as...Read More...
Last Reply By MsKimberly · First Unread Post
Page

When did you start planning for retirement?

Forum: Retirement
Deon Christie
I'm one of the people that waited a bit too long in my opinion. Which resulted in much larger payments to have retirement policies etc in place. Personally I only started planning for retirement in my 40's. And I must tell you that you will pay a lot more than when you start early. But I'm sure I'm not the only one. We lead different lives and life takes us to unexpected places sometimes. But it's never too late to start. Because even ending up having a little at retirement still beats...Read More...
@Theodora : Thank you kindly I would be happy to share my experience with you.Read More...
@Zach Filstrup That's amazing! Interested in learning about your experience with P2P lending.Read More...
Last Reply By Zach Filstrup · First Unread Post

Job Searching: Grit and Prayer

Forum: Make Money
Scotirish
Not real certain where this fits in this community, but in a recent Hoarder e-mail they spoke about Zero Based Budgeting. My wife and I had just returned from our honeymoon as I resumed my position as a bookkeeper for a publishing company. The company wasn't doing well financially and soon several of us were released with a severance check to hold us until we landed on our feet. Not only did I not have the marketable skills necessary to traverse the rough road ahead of me but I also had a...Read More...
Thank you for the encouraging note.Read More...
Congratulations! What a great story, and I'm happy that it all worked out, and is still working out for you!Read More...
Last Reply By Olivia · First Unread Post

Work at home jobs

Forum: Make Money
n.gordon
Looking for advice on the best companies for online work from home jobs. I have looked at REV so far, and FLexJobs seems to want a fee. Any ideas out there? Thanks!Read More...
I am sorry but I really don't know what this is...you build apps?Read More...
Yes, FlexJobs wants a small fee but they frequently have specials. You can buy just one month, 3 months, etc., memberships. The thing about them is that they cull for the best legitimate "real" jobs (that you may not have time for doing all the searching), and I guarantee their legitimacy. I found my first editing freelance job with them back in 2015 when I semi-retired. But, I've also found work via Indeed and Glassdoor. You know, I looked at REV also. Who needs the aggravation? I don't...Read More...
Last Reply By n.gordon · First Unread Post

Using Fiona to pay off credit card debt

Forum: Credit
Will using this hurt my credit score. Credit cards will be paid off, however, how do the credit companies look at this? Thanks for any input.Read More...
I think that the best solution is to work more, or get a part-time jo b. From my experience, people seem to be able to visualize being debt-free more effectively, when they are working.Read More...
Avalanche method. I was also curious about using a service like Fiona. And from what I learned, it won't do a hard pull on your credit, so it shouldn't hurt your score just to use the service. Fiona just gets you rates for a few loans, as far as I understand it. If you decide to open a loan for consolidation, it will probably drop your score a little. I thought this review was pretty useful for Fiona: Here . Although I haven't found many first account reviews so far. Since I have a couple...Read More...
Last Reply By Mary Grubbs · First Unread Post

Suggestions for a low cost getaway

KellyFromKeene
I am looking for ideas for a less expensive getaway for a few days in the New England area. I know I can go do a Google search, but I wondered if any of you have traveled up here and had an experience that you would recommend. I DO NOT like to camp. I'll take any other ideas! TIA.Read More...
Thanks, everyone!Read More...
@KellyFromKeene Cape Cod is great up until around October. In Provincetown, there are tons of shops and art galleries and great restaurants, etc. The warmer months are even more fun for the beaches, kayaking and whale watching. I totally agree with @SicilianSarah about Portland. Ogunquit in Maine is a quaint little village on the water -- close to Portsmouth, NH. I also really enjoy Providence, RI. Mystic, CT is a beautiful little town full of things to do -- a great aquarium and cute little...Read More...
Last Reply By KellyFromKeene · First Unread Post

How do you distribute your income?

Forum: Budgeting
Hi, My husband and I both work typical full time jobs and I was basically paying the minimum on my loans and credit cards. However, we recently inherited a very large collection of comic books dating all the way back to the 30's and 40's. Right now we are working on moving these books for additional income and so far the amount we're making is so great we've had to claim ourselves as small business owners selling out of our home. My question for everyone is, how should I distribute this...Read More...
Hey, my earnings come in Kenya shilling but the principal is the same i bet.percentages.That is: 10% Tithe 30% personal needs 40% family 10% savings 10% charity Ithen share out the percentages according to the budget.what I cant then is pushed to the next month with first priority. Kinyua On Tue, 10 Sep 2019 at 17:36, The Penny Hoarder Community < [email protected]> wrote:Read More...
Personal loan 150Read More...
Last Reply By John Kinyua · First Unread Post
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