Latest Buzz

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

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

SAVING MONEY ON A FIXED INCOME

Forum: Save Money
Debbie Carr Oliver
I live on a fixed income and was wondering if anyone has any tips on how to save and where to save with limited funds.Read More...
I live in a small city in Iowa. We have 3 food stores. A chain store, a health food store and Walmart. The chain store is slick but understaffed, poorly run and expensive, often raising prices on a $3.00 item by $1.00! The health food store is well run and stocked for those who have no money issues. Walmart has by far the lowest prices. For instance we feed our dog food with chicken bone broth. The same item, same size is $3.50 more expensive at the chain store. I do read the flyers and...Read More...
I am retired and recently was scammed out of a lot of money. I have a Costco Credit Card which pays me cash at the end of the year. I charge my daily expenses, however, I never charge more than I can pay off each month. Unfortunately I was scammed/frauded out of a lot of money. I am fortunate as I have investments which I am now having to use to pay off my debts. The taxes that I will pay is a lot less than paying the interest on my CC. I am looking into changing my insurance as well as...Read More...
Last Reply By Brad · First Unread Post

Balance transfer credit card

Forum: Debt
Kathryn Stempel
Hi All, I have a high balance on a credit card around $7500. I am looking to find a credit card to transfer the balance to. Can anyone recommend a good (low balance or no balance transfer fee, no annual fee, 12+month no interest) balance transfer credit card?Read More...
Also...pay more than the minimum monthly. This helps increase your credit score.Read More...
Discover and Citi both have great balance transfer offers -- low fee, O% interest for 12 months, & no annual fees.Read More...
Last Reply By evie5200 · First Unread Post

Credit card Debt

Forum: Debt
nicoll bartnik
I have been working on my credit for over a year bringing up my score almost 200 points. In August I got scammed out of $1500. I couldn't pay all my credit debts and Im still shoveling out of the damage and now in one month my score has dropped back those 200 points. I have tried now to get a debt consolidation loan or a Credit card refinance loan but now they wont approve me. What should I do so my score doesn't take anymore hits?Read More...
There have been a lot of good suggestions here. Have you tried to talk to a credit union about a debt consolidation loan? Usually they are a little more forgiving with your credit score. I would also freeze your cards or limit access to them at the very least. Lastly, I would look into putting together a budget. If you've never heard of Dave Ramsey, I would suggest taking a look. He talks about budgeting, working side gigs, and getting gazelle intense to knock out debt. Good luck, and know...Read More...
Keeping balances low as a percent of available credit is one key to a good credit score.Read More...
Last Reply By lismox · First Unread Post

Email from The Penny Hoarder - *Snow* of hands

Did I misunderstand what we were supposed to receive in the report from The Motley Fool with 'five of their favorite companies with women leaders'? The report actually only provided one with a teaser to sign up for their Motley Fool Stock Advisor.Read More...
Thank you, Theodora. I do see it now. Happy Thanksgiving!Read More...
@dino0726 you should have received these via email --- be sure to check your spam folder. The subject line should read: "Here are the 5 stock recommendations you requested" - I just tested it and it went into my spam folder.Read More...
Last Reply By dino0726 · First Unread Post

What to do with a significant salary increase?

Clint Jusino
Hello Penny Hoarders! I was recently blessed with a job offer at an international global company that is in the fortune 750 club. My salary will increase will be 42.5K. I wanted to know how to deal with the new income? I have no emergency fund, several maxxed out cards and little 401k. I would also like to invest using Fundrise. If anyone can give me any guidance or been in my shoes I would be so grateful. Thank you everyone!Read More...
What a great problem to have! I would start with knowing how much more a month that gives me. Then I would earmark a certain amount toward paying off debt, adding to my 401, and emergency fund. Each month I would invest a small amount in a suggested investment. Don't forget to give yourself some fun money to enjoy! That is also important, as you earned it.Read More...
I would add a small amount and up your 401K...every little bit will benefit you down the road!Read More...
Last Reply By Rosemary McKinley · First Unread Post

Experian Boost

Forum: Credit
Leslie Kay
Anyone else had any good or bad experiences with adding that Experian Boost to your credit report. It instantly added 37 points to my credit report by adding payment history for my utilities. It only adds accounts with a good solid payment history. I was wary but so far so good.Read More...
My bank doesn't show on Experian. I called and they said "we're working on it".Read More...
It was only able to find one of my accounts when I tried it and it didn't change my score at all. I will see about trying it again once I have regular bills again.Read More...
Last Reply By Chuck Malo · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy (early) Thanksgiving Penny Hoarders! Are you all ready for next week? What are some tips you have to save this time of year? I need all the help I can get as those Black Friday ads start coming out... I will be off next week enjoying a long weekend with my family so there will be no announcement. We will be back in December to kick off a new month! Here’s your weekly round up of announcements... Want to win the ultimate holiday shopping spree? We’ve teamed up with some awesome brands...Read More...
Thanks, I tried that in both IE and Chrome, I scrolled down, and I still don't see a place to enter my information. Here's the link that I'm looking at: https://www.gowellpath.com/giv...g%20Spree%20Giveaway .Read More...
Hi @lismox ! About half way down the page (directly under the list of prizes) there is an area to enter your email, name and phone number, then a submit button to enter. Have you tried clearing your browser's cache? Sometimes that can prevent pages from loading correctly. If that doesn't work, let me know and we can try to troubleshoot further.Read More...
Last Reply By lismox · First Unread Post

Credit

Forum: Credit
Annie Lee McGinnis
Was just wondering how to get my credit score back upRead More...
Depends on your situation. But general guidelines are keep utilization below 30%, keep longest card or account open, pay all bills on time.Read More...
Applying for a secured or prepaid credit card may help with your score. I also check Credit Sesame and Credit Karma regularly to review my score, but I would look into applying for a secured or prepaid card and making small purchases monthly and then paying off those charges. I don't know too much about it, but you may also want to look into Experian Boost. Good luck!Read More...
Last Reply By E Allen · First Unread Post

Kindle Direct Publishing (KDP)

Old Skool Pop 5000
Does anyone know or is involved with Amazon KDP? And do you have any good tips on how to get started for "passive" income opportunities? Thank you, Old Skool Pop :)Read More...
Thank you for your offer! I think my best writing would be mystery or slice of life.Read More...
@MsKimberly What genre are you considering in your writing? I write poetry, short stories, religious writing and I even write lyrics for music. Living here by Nashville, I've been asked by some up and coming singers and songwriters to write and collaborate in works. It's tempting. Right now I'm working on a book I've entitled "Dearing", a cross between a mystery and thriller. It's in it's early stages. I hope to get Christmas Creek, another short story finished and submitted to a publisher...Read More...
Last Reply By MsKimberly · First Unread Post

Student loans

Forum: Debt
Ardis Ilene Klidies-Grissom
I owe for student loans and my check is being garnished what can I do there's no room in my budget to pay of 20,000 dollarsRead More...
Yes, as am I (on IB payments). You may need to pay a bit more in order to get out of default, but then get on IB repayment.Read More...
I agree here. My two co-workers are on income based repayment plans for their student loans.Read More...
Last Reply By KellyFromKeene · First Unread Post

Aldi is awesome

Forum: Save Money
lismox
I went into Aldi today after my bike ride, and I was reminded of why I need to shop there regularly. The prices are amazing, the selection is good, and the store was really clean. I love Publix because of the selection, but the prices are much higher. I will continue to shop at Publix for certain items, but I'm going to make it a point to go to my local Aldi's for everything else. I got this really good Thanksgiving stuffing and cranberry pasta. Does anyone else use Aldi's and like them?Read More...
Aldi is my go to store for most everything these days since I began slowly removing processed foods and replacing them with veggies & fruit. The prices are better and the quality is the same.Read More...
I was at Aldi's this week stocking up on butter, stocks, etc. For a change, I didn't purchase any meats (already stocked up). It is not my "always" store but like a poster mentioned earlier, it is just one in my arsenal of attempting to save on groceries. Now, if I could just stop all the little, mindless, snack shops at convenience storesRead More...
Last Reply By Shannon H · First Unread Post

How to save money at the vet's

Forum: Save Money
lismox
I have 3 cats and had to put two down this year (we didn't have 5 at one time, only 3). I used both my regular and emergency vet this year out of necessity, but I will be avoiding my vet as much as possible now, and doing the following things instead: 1. Using a vet tech who comes to our local Petsmart. Literally I spent $10 per kitten for their first two vaccines. It would have cost hundreds of dollars at my vet's office. Check with your local pet store to see if they have mobile clinics,...Read More...
I have four rats: Raleigh, Caroline, Blitz, and Krieg. Nationwide insures exotic animals, but I didn't get it for them yet. My vet takes CareCredit and is very reasonably priced, especially considering she's a specialist. The rats are my emotional support animals and I spoil them rotten. I've also found ordering food in bulk on Chewy helps me save money.Read More...
@AverageJoe Dogs give so much joy. Many times they touch our lives more than people do. It is very hard when they pass away. If I decide to get a dog, I think I would be better off with one that is not hyper.Read More...
Last Reply By BeckAtsila · First Unread Post

Heck of a side gig....

Forum: Make Money
Scott L Herrin
I retired 3 years ago at 55. My retirement isn't quite enough to support my lifestyle. Does anybody think I'm crazy? My side gig is being a nude art class model. Doesn't make me rich, but it keeps me in beer and gas in my truck.Read More...
It sounds like a great idea to me!Read More...
I love it!Read More...
Last Reply By lismox · First Unread Post

Debt collections

Forum: Debt
Leisa
When I look at my credit report I notice debts that I know are anywhere from 3 to 5 years old, medical bills, that are "reported" as current debt, IE. 2019, how can these debt collectors keep updating debt where the statute of limitations has passed. I read 3 years for non- contractual and 5 years for contractual, is this true? Thanks, leisRead More...

upside down car loan

Don Kapsuleas
Hello everyone. What are ways of taking care of an upside down car loan?Read More...
Aside from having the cash to pay the difference, not much. If you try to private sale it, you'll need cash and a way to get the title from the bank. If you want to turn it in to the dealer to get rid of it, you'll need cash to do so. And if you trade it for another vehicle, the underwater part will just get tacked on to the new loan defeating the purpose. Some people have had success with getting small personal loans to use as the cash to get out from an underwater car and then pay that...Read More...
Last Reply By LeighofMar · First Unread Post

Pre-Black Friday Sales

Shirley
Hi, just wondering what you think of the Pre-Black Friday Sales? I haven't taken the time to really look into the Pre-Black Friday sales. That is why I am asking is it worth it and the time? Do you think you save more during the sales then other times of the year?Read More...
Hi - At this point I think that the pre-Black Friday sales are so common everywhere you look that they have pretty much eliminated huge deals unless you’re looking for something very specific that you’ve done research on. It seems that every day is a pre-Black Friday sale and it’s gotten to be a very ho-hum.Read More...
Are you kidding? I'm deleting pre-sale emails as they come in. They are so very tempting, but with debt already, I'd be nuts to do any Black Friday shopping at all. I was actually trying a No Spend (except necessities) this month. Of course, what I don't spend this month will be spent next month getting ready for Christmas shoppingRead More...
Last Reply By Patti L · First Unread Post

What are some good books to read?

Forum: Book Club
Bonnie Squires
Hello every one. I'm looking for some good books to read. Looking for any thing that will help me save money, make money or just help me out. Thank you for your helpRead More...
Unless you wish to outright own the books, I'd do a search and then request what you are interested in from inter-library loan. Most libraries are a part of this system; just check. There is usually a form to fill out and it might take a few weeks but the books do come in with no cost to you. I've found that the time allowed is about the same as checking out a book from the local library (about two weeks). Plenty of time to make notes. The only exception is that you cannot request a book...Read More...
@Bonnie Squires I would definitely check the library first. They are pretty popular books so you never know. Next I would check any local thrift shops. I have bought a book online only to kick myself when I found it at the thrift store for a 1/4 the price only a couple days later. (Which I bought of course) If that doesn't work, I would recommend checking out Thrift Books . They get those books in and if they run out, they will usually replenish their stock before too long. The books are...Read More...
Last Reply By DMB · First Unread Post

Not Starting, Is FAILING!

Moore Income
I was reading a book yesterday, eSCAPE by Anik Singal . In the book, he talks about how many people refuse to try something because of their fear of failure. He goes on to say that by failing to try, they have already failed and actually the odds would be better if they simply gave it a shot. This is especially true when it comes to financial fitness and creating a better financial future. Many people won't even start the journey because they fear it will be too difficult. But if you think...Read More...
Actually I look at things a bit differently in regards to this subject although I do agree that not stepping out isn't beneficial in any endeavor (not just financially). My take is that it's a given that anyone who takes on something new (whatever it may be) is going to make mistakes. You fail only when you do not learn from those mistakes. How many times did Edison try before success. He looked at all those efforts as opportunities to learn better ways to make a lightbulb. And now the whole...Read More...
Good remind, thanks! I needed this today.Read More...
Last Reply By DMB · First Unread Post
×
×
×
×