Latest Buzz

Would You Buy a "Tiny Home"?

Kirsten Cherry
My husband and I have been obsessed with tiny home living since we heard of it years ago. We always wanted to try it out, but then we had a kid and the thought of living in 200sq feet with a toddler sounds horrendous! But there are still "tiny" homes out there that are just big tiny homes! I'm talking under 1000sq ft for a family. It's not something people in the home-buying process usually look for, but it definitely intrigues us! Would you move to a 960 sq foot house?Read More...
I would. Right now I am looking to downsize to a 400 sq foot apartment. (If I thought I could make it work and thought it would cost less in rent, I would go for a smaller space.) Once I get all my debt paid off and save up enough to pay cash for a house, I plan on purchasing one. Depending upon the route I take, I might get a house that is around 960 - 1,000 sq feet and run it as a bed and breakfast OR I might get a small 400 or less sq foot house just for myself. I would have the living...Read More...
My husband and I have been pondering the idea for the last 2 yes, he's about to retire and I already have. There's always positives and negatives but the one thing that does in courage the idea is to be able to travel anywhere at anytime and still return to be with family.Read More...
Last Reply By Pax · First Unread Post

how do i make money myself

Forum: Make Money
Mazi Ikeh Berryfresh
what do I have to do to get moneyRead More...
There are any number of ways to make money both online and off. It really comes down to what are your personal skills and finding a way to use those to generate income. Different factors also play a role such as location, education, etc. What are some avenues for making money that you have explored so far?Read More...
Last Reply By Moore Income · First Unread Post

Jail Problems

I work in poor communities and one of the issues they have that no one wants to talk about are the financial problems born primarily by the poor communicating with an incarcerated loved one. We live in literally the worst time in U.S. and world history for imprisoning the poor. The United States now imprisons more people than any other country in the world and in the history of the world. Here's the numbers: 650 people for every 100,000 people. We have 327.2 million people in the U.S. I am...Read More...
Sandy...writing letters helped in my situation. Although I couldn't talk to my partner every day, I could hear his voice in the letters. We had to censor what we wrote because every letter got opened and read for content. They took a bit over a week from sending to receiving. I wrote nearly everyday. His paper, stamps, and envelopes were a commissary purchase.Read More...
Are jail inmates allowed to have a phone? I doubt it. But I'll check. The families that qualify usually have the phones. This does not reduce the costs for most people. Most are working class families, living a few bucks above the poverty line. Those three million people in jail all have families, most work. Many of these people are innocent. That's why they have organizations like the Innocence Project. Thank you for your reply and your suggestion! I do appreciate it. Our prisons for profit...Read More...
Last Reply By Aoife · First Unread Post

Let Go app

Forum: Make Money
Shannon H
I am interested in trying the Let Go app as I have some stuff I would like to clear from my life.... I do not want to get into Ebay fees and the like as I have used that before. I would like to know if you have used Let Go app? what you liked about it? did you find too time consuming? what arrangements did you make to meet & sell items?Read More...
I need to clarify my statement about letgo, I mistakenly said I used to be with letgo until they started a different way of payment process, but I used to be with the buy sell and trade site Listia, they started a different payment process called inkx or something like that.However I have been with letgo but have never have sold anything on their site. Sorry if I confused anyone😊 .Read More...
@Moore Income Thanks, Jon. I can see Ebay being fruitful because you have so many people looking at your items.Read More...
Last Reply By Joel · First Unread Post

Any one used them Document Management Services or Pinnacle

Forum: Think Bank
Bonnie Squires
Hi Every one I feel like I'm drowning here in debit. I say this because my husband myself and son lost medical and husband and I lost $900 in SSI because they said I made to much money but next month we will only get $46 because they are taken $20 because hey say we owe $700. So I've had to use every thing I've saved and my credit cards. Now I'm behind in 2 cards I know I owe $222 on one the other I don't no. It's the reason I turned to these companies trying to get a loan but don't...Read More...
KELLYFROMKEENE thank you I spoke with the credit card company I was behind on and they have closed my accounts and i only have to pay $40 a month to them. The company i mentioned above they wasn't to happy i want to cancel my service and they called after i sent a email to them. All so they started contacting debts that was old and I had told them not to do that till i talk to my husband. Which stinks now because they will be calling me. They go back to 2014 but kept renewing ever year 1 was...Read More...
Greenpath is a non-profit agency as opposed to a for-profit business.In addition to having utilized them myself, I have referred several clients to them who found them to be helpful in getting out of debt.Read More...
Last Reply By Bonnie Squires · First Unread Post

selling on offerup, letgo and marketplace

socgirl
I have had 4 or 5 things sitting in each of these places, w/ pictures for 2 weeks now. what are some suggestions to get the items to move?Read More...
i sold 2 prs of sunglasses on next door, saturday. i'm going to list some more stuff and then i'm going to begin lowering prices on stuff. btw, the sunglasses i sold were dollar store sunnies, that i sold for $5/prRead More...
I know what you mean I have had a purse that isn't movie either.Read More...
Last Reply By socgirl · First Unread Post

Community announcements will return in two weeks!

Briana
Hello Penny Hoarders! I just wanted to make a quick announcement that while I'm away on vacation, there will be no weekly community announcement the next few Tuesdays. They'll return in a few weeks. And remember, if you want a chance to be a super helpful member and win a $25 gift card, we'll be crowning a Member of the Month at the end of this month!Read More...
@Nancy Martine we are glad to have you as part of our community. Let me know if you have any questions or if there is anything I can be of help with.Read More...
Thanks for letting me join your groupRead More...
Last Reply By Moore Income · First Unread Post

How do I get money

Forum: Save Money
Tim Mfn Berberich
Want cashRead More...
Definitely too broad a question to cover with one answer. It really comes down to finding something that works for you personally. There are many ways to make money, it is just going to take some research and time to figure out what works for you.Read More...
Sell your stuff, work a side job, take money out of savings, borrow it... https://www.dollarsprout.com/i-need-money-now/Read More...
Last Reply By Moore Income · First Unread Post

How much car insurance do I need?

Forum: Insurance
Grace Schweizer
I currently pay more than I would like for car insurance. When I originally bought my policy a couple of years ago, I added a lot of coverage that I'm not sure I even need, and at the time, I didn't qualify for many discounts. I'm ready to make the call, shop around and see what I can do about bringing my rate down, but I want to be able to go into the conversation informed. What kinds of coverage do I really need? What kinds of discounts should I ask for? I don't necessarily want to go bare...Read More...
@KellyFromKeene It is crazy that it would jump up that much. I think what @mintjulep said about them just edging you out is true. When I finally called my agent to let him know I switched insurance, he didn't ask any questions or try to get me to stay. Honestly, it felt like they were trying to get rid of me for some reason.Read More...
I've never heard of insurance jumping that much, and that is crazy!Read More...
Last Reply By Moore Income · First Unread Post

Tell me about Stash and Aspiration

Patricia Jernigan
(Hi all! First time on here.) Those of you who use either one of these--or both--what can you tell me about them? Other than what their websites do, I mean. Also, what has your general experience with them been like? I'm giving some thought to using them, but I'd like more information before I do. Thanks!Read More...
I have just stared using Stash also. So far so good. They make it so simple to do. I like that they have so many options to choose from and that there is always help and education on the site to help you through your money and investing questions.Read More...
I have been using both Stash and Aspiration for quite some time now. Aspiration is a great bank account that pays a decent interest rate. I use it personally to stash away some money and earn better interest than I would at my local bank. Stash is an investment app that allows you to purchase fractions or whole shares in a company. I personally like Stash as an investment app because it is easy to use and they give you all the information you need to make a good investment decision. They...Read More...
Last Reply By Mexpensive · First Unread Post

Which Real Estate Website allows one to invest for:$50?

Forum: Investment
Sandynyc
Hello community. I am trying to increase my earnings through investment. I remember reading that a $50 investment was a way to break into Real Estate Investing. Does anyone know which website offered this option? Thank you. SandyRead More...
@Kendra Irvin I went to Groundfloor.com and it redirected to Groundfloor.us Do you have experience investing with this company? I like the concept, just not sure how much they require to get started.Read More...
Groundfloor.comRead More...
Last Reply By Moore Income · First Unread Post
I have been selling items on Craigslist on & off for over 6 years now & make really good money when i put the time in. But it does require one to be organized when you have lots of items to sell. I was curious if there is an App out there that can help me be more efficient when selling on Craigslist?Read More...
I know of none. Someone who knows code could make one.Read More...
I know what you mean! I have been selling on eBay for quite some time and buying items and keeping track of them for resale can be a hassle! I would love to find an app to help with that but don't currently know of any.Read More...
Last Reply By Mexpensive · First Unread Post

Where Else Can I Cut Expenses?

Jim F
I just signed up for medical benefits through my employer but the weekly cost is significant: $160 a week! (I remember when it was $85 a month). So this equates to over $600 a month out of my paycheck. So we are looking to cut back on expenses. I pay nearly $200 to (the evil) Sprint for our two phones. I'm looking to move to Consumer Celluar and the total cost for the two phones should be $55 a month. But I need to call Sprint. Insurance costs us $440 a month which covers two cars and three...Read More...
I would find a new cell Phone service. I use Consumer Cellular.I pay 55 a month for 2 lines. Then ditch the landline.I would then cut the cord for your TV . I still use them for my internet. I use an antenna and stream Hulu and use my Amazon for streaming . Get a Ruko for that set it up to your TV you are good to go. I would then shop around for your insurance needs. This can be done on the internet.There is also lots of free streaming channels to choose from.Read More...
I need to check out that T-Mobile deal. That sounds really great. I hope they will allow us to bring our own devices. As for YouTube TV, that was a pig in a poke. The streaming from a PC to our TV resulted in stuttered streaming with no close captioning. It may come down to a combination of NetFlix, Hulu, Prime Video and CBS All Access. But you still have to have an Internet connection to view all of this. My 19-year-old son, an attorney in the making, is going to deal with Sprint later this...Read More...
Last Reply By Mexpensive · First Unread Post

A way to earn to retire

Forum: Retirement
My wife and I are retired and rent out part of our home to members of our family, it has brought extra income to add to our retirement income, This if course isn't for everybody and it does come with challenges, sometimes a lot of them, , but as we get older and our physical abilities aren't the same anymore, it's nice to have someone here that is younger to help us with things that we can't do as easily. Anyone who would think about doing this can ask me specific questions about how to...Read More...
We haven't asked our family to sign a lease, we made their rent affordable so getting into another place would require more earnings on their part, if they did move out someday it would be there call,and life would go on for us regardless.We do plan on leaving the house and property to them after all .I think how it's handled depends on how well and understanding a family is.Read More...
I think that is an excellent plan! I can envision some of the challenges, but it has to be a great source of income, especially if your home is mortgage free! I'm curious, because it's family, do you still require them to sign a lease?Read More...
Last Reply By Joel · First Unread Post

Part time gig

Forum: Make Money
For the handy men or women out there, real estate companies some times need there signs put up or taken down, or properties mowed and other projects done .While this can be only on occasion with little heads up, it is perfect for extra income because it is a gig of a sort. Pay can be double or more than general wages plus mileage. Items needed are a truck, tools such as shovels to dig post holes for big signs and cordless drivers and ladders for putting up banners on buildings.An extra...Read More...
I'm retired real estate broker, and believe me when I say we depended a lot on someone able to put up and take down signs. And our sellers were always asking us for names of repair people, lawn maintenance, even just someone to help them move items or hauling off junk they were purging before listing a home or moving out.Read More...
Great idea for some extra work! It is definitely something not many people are doing so it could be the perfect opportunity for someone who had a little bit of drive and a desire to earn some extra cash!Read More...
Last Reply By mintjulep · First Unread Post

What is the best way to sell a valuable item?

Forum: FAQ
Regeniu$
I have a vase that I got as a gift many years ago. I did some research and I’ve seen it valued at anything from $500 to $1900. Advice?Read More...
Theodora, I haven't figured how to post on NextDoor. it kind of depends. if the item is worth say, over $1k, I would only post it on local sales venuesRead More...
NextDoor?Read More...
Last Reply By socgirl · First Unread Post

What is your secret.....

Forum: Make Money
What is your secret to selling successfully on Marketplace, LetGo and places of that nature?Read More...
@KellyFromKeene : Some of the things I sell have not cost me more if anything. Thus, I can handle going low because I want to get rid of it. However, sometimes I just feel better donating to a group that helps people in one way or another. By the time I take pictures and put up ads, some things are not worth the hassle.Read More...
Jon, you are right. It even happens when we give things away. It wasn't always like this. Times have changed.Read More...
Last Reply By MsKimberly · First Unread Post

How to get a cheaper cell phone

Forum: Save Money
I would appreciate suggestions on how to have a cheaper Smart Phone. Mine is costing me 100.00 or more a month. Only $13.00 of that is the monthly phone payment. Because of my location I am limited to US cellular or similar for Northeast Iowa.Read More...
Exactly, @Shirley T ! I did the same, went to Sprint and I could not leave quick enough.Read More...
I have been with US Cellular since 2000 with the exception of 2 years. About 5 years my husband put us on Sprint with a 2 year contract. We could not wait to get back to US Cellular. We even started marking off days on the calendar. With Sprint we had poor coverage and dropped calls in addition to higher cost. Will never leave US Cellular again. Our bill is $ 100 a month for both phones. I will cut expenses anywhere other than my phone bill.Read More...
Last Reply By KellyFromKeene · First Unread Post

Great Student Loan payoff apps.

Forum: Debt
SFree
I have found some great apps to help pay down my student loans and they send the money direct to the loan co. for you. Some of the apps also allow you to list credit card debt and auto loans too. They each charge a small processing fee each month but it is worth it. I have an iPhone so I'm not sure if these apps are also offered on the Android platform but their website will tell you. Chipper - newest app to the market offers ways to make extra payments besides the spare change round-ups.Read More...
Hi Maureen, The round ups are calculated and come from the checking account which is connected to your debit card. Some of the apps I mentioned allow you to list your credit card debt account and the rounds ups from the checking account accumulate to have those payment amounts sent to pay down your credit card debt. I don't do round ups from credit card transaction only debit card transactions but you might need to look into the details for each app to see if they allow credit card round ups.Read More...
Can you use these with credit cards or only debit cards?Read More...
Last Reply By SFree · First Unread Post

What Do You Do With Credit Card Offers In The Mail?

Forum: Credit
Moore Income
I was just going through some mail we got over the past couple of days and I noticed a credit card offer for my wife for an American Airlines credit card. Since we travel a lot, it did peak my interest a bit, but we don't fly American that often so I don't think the bonuses they are offering are actually worth it. Credit cards are a sticky situation when it comes to finances. On the one hand, they can be helpful and offer nice rewards for using them. On the other, they can be used...Read More...
@Frank Reilly throwing them away right away is a great way to avoid the debt trap!Read More...
All mine goes right in the trash. No matter how good their card is. I am trying to get out of debt the old fashioned way by paying everything off.Read More...
Last Reply By Moore Income · First Unread Post

paying off debt in collections

Forum: Debt
FrugalFanny
what’s the best way to do this to preserve credit score?Read More...
@Robin Smith It looks like for 2 of them, they handle all disputes online and one has contact info you can get in touch with them at. Here is a helpful article I found that explains how it works.Read More...
How do u dispute the accounts with credit bureauRead More...
Last Reply By Moore Income · First Unread Post

How does this site affectivly help make money ?

Forum: Make Money
Mrs.Brown27
Hello readers I am new one here the guidelines are not exactly clear on how website helps make money. Now this may seem like a question but it's more of a thought jogger. Is this just a suggestive site? or dose this site actually put coins in your pocket? To me it is misleading considering there is no information on bank accounts or mailing information... Your thoughts pleas??Read More...
According to my information this is just a community where you can benefit from a lot of information, ask questions ... But I know you can write articles for the website and you'll be paid, here is the link: https://www.thepennyhoarder.co...tributor-guidelines/ Personally I sent my first article, but I still waiting for their answer, I dont know how much time it takes.Read More...
Agreed @Moore Income . To actually make money online is a lot more work. And people are easily misled with marketing pitches. If you want to learn? Then The Penny Hoarder is the Place to Be.Read More...
Last Reply By dija93 · First Unread Post
How much do you all think is a REASONABLE amount to have saved? I'm not talking retirement, I mean $ that you have set aside for emergencies, etc. I know that the experts say that we should have 3 months worth. I find that the majority of people I work with want to have $500 or $1000. I'm always trying to get them to raise that number, but realistically, how much do you shoot to keep in savings??Read More...
Thank you @TheSugarFreeLife ! Very helpful. I love to real life examples when talking with people. I know it makes me personally feel more like things are possible rather than reading about someone who doesn't even seem real to me.Read More...
I had heard about 6 months worth of salary and tried hard to save for over 15 years without much success. As soon as I would start building a few thousand, it seemed something would happen (major home repair, need a running car, etc.) and instead of incurring yet another debt, I'd use what we'd managed to save. A few years ago I decided to create a list of the absolute minimum we could survive on a month - basically an absolute bare bones budget and we decided to target saving 3 times that...Read More...
Last Reply By KellyFromKeene · First Unread Post
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