Latest Buzz

Making $$$ from home

Forum: Make Money
Haley Bolin
Hi there! 🙋🏼‍♀️ My name is Haley and I am a new mother in Nashville with a 2 1/2 month old and will not be returning to work anytime soon. My son is having some health issues that requires him to have frequent visits to various clinics and has resulted in a week long hospital stay two different times already, so working a regular job right now is just not feasible in the least. I was hoping some of you fine folk might have some promising leads on ways to make money at home. Any dollar I...Read More...
Hi, I just want to add that doing the surveys is no joke. I've earned almost $800 in gift cards in just over 2 years. My favorite sites are....mypoints.com, surveyjunkie.com and inboxdollars.com. And congrats on your new little one. I hope the medical issues go away soon.Read More...
While searching for that perfect wah opportunity, you could complete some surveys, on line focus groups, and/or in person focus groups as time permits. I've participated in 3 focus groups so far this year and complete surveys on a daily basis for cash, merchandise, or gift cards. Hope this helps!Read More...
Last Reply By Angelcat47 · 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...
@1cent hope your health is getting better and that you can find a work from home job to help you out. Debt is a health drag in itself. So hard not to let it worry you day and night. But you're in the right place so hang in there.Read More...
Thanks I had to use money to eat. No income coming in. Will be out of work this month. I keep trying to get different work from home jobs. No luck. Thank you though. I will get better and get debt paid get housing and the rest of my life will be goodRead More...
Last Reply By charlottel · First Unread Post
Page

Traveling All 50 States On a Budget

Forum: Save Money
Moore Income
Hi all! It's been quite a while since I have posted on here. While I still try checking in from time to time, my time on the internet has been limited. My wife and I have now been on the road for over 1 month. We are on a trip to visit all 50 States in the U.S.A. and to date we have been to 18 of them. (Driving 48 and flying to Alaska and Hawaii) Our goal is to finish 49 by December and then fly to Hawaii in early January to complete the trip. Many times we get the question, "How can you...Read More...
Congratulations on such an adventure! I hope you guys enjoy the rest of the trip. What great memories.Read More...
Wow! Fantastic and can't wait to follow your and your wife's adventure! What a dream to fulfill! I have a question about camping in your car. Are you staying at campgrounds, rest stops?? My question is not only about saving money, but a safety inquiry. I'm in tune with Margarette Stein, we've recently become avid AirBnB fans for anything longer than overnight, especially when traveling with other family or good friends. If you are staying at campgrounds, many offer free space in return for...Read More...
Last Reply By KellyFromKeene · First Unread Post

Auto loan

Forum: Debt
Robkon
I co-signed for an auto loan for my daughter who is in school. The vehicle was totaled in an accident. There was no gap insurance so it left a balance of $2200 after the insurance company paid. On top of that, the finance company (Carmax) has, to date, not reported the change in the balance of the loan to the credit bureaus. That makes it look like I owe $13,000 instead of $2200. I cannot get another loan until this is fixed. Sadly, they are taking their time. They should have reported the...Read More...
Having a loan amount updated on your credit reports will take 30 to 60 days as loan companies only send data in once per month and their records may not get uploaded immediately to reflect the change. However, none of this should keep you from getting another loan. Personal advice, stear clear of Carmax or any larger dealer that does their own financing.Read More...
I don't see why you couldn't get another car loan. There are ways around using the credit score that a lender would use. If You have the documents to support what you are saying it should not be a problem.Read More...
Last Reply By DipperDave · First Unread Post

To stay in bankruptcy!

Kiersten Hedke
Hello everyone, I'm going to completely put my business out here so that I may get some help/advice on what I should do. Ok, here it goes. My husband and I filed for Chapter 13 Bankruptcy last year and we're in it for 5 years. The main reason we filed was because we were looking at losing our house (which belonged to my grandparents, so I've lived in it my entire life basically) because we got so far behind on our mortgage due to my husband losing a really good job back in 2016. My husband...Read More...
Thank you all for your advice. I do actually live a few short miles away from a major Big 10 University but unfortunately they don't have a clinic for bankruptcy help. I'm going to try my best to see what my attorney says but I'm sure we're going to be dismissed. I've already started checking with a few banks to see if they may be able to help with the mortgage and no one has said "No" outright yet, so I may have a fighting chance to get through this and keep my house. Thanks again for all...Read More...
Kelly and Robin's advice is solid. If you are in a town that has a university with a law school, they often will take cases in their law clinic to help them learn - definitely worth checking out. Getting converted to a Chapter 7 would help you a great deal. Due to a bad divorce (and shame), I stuck it out for a couple of years, but even though I had a good job, I had severe difficulty in making the payments, and I was looking at a lot of "solutions" that weren't really good for me in any...Read More...
Last Reply By Kiersten Hedke · First Unread Post

Business Start-Up

Kermit Netherton
Hello, I am looking to start a Specialized Lawn Maintenance & Snow Removal Business in Ohio but I have bad credit scores in the 500+ range due to a repossessed car a few years ago and small medical bills. About $15,000 or less in debt. I have tried to get a "Debt Consolidation Loan" but to get caught up but to no avail. I use to bring home good money as a truck driver but was still struggling to get ahead, then I had an accident and rolled my truck over and lost my job. I was off work...Read More...
My husband is self employed as well, so I know what you are going through! First off, have you tried to get a loan through your local bank or credit union? If you own a house, you could be able to secure a home equity line of credit to buy the items you need. Another option is zero-interest-for-X-amount-of-months credit cards, IF you can pay them off in the time frame & if they will approve you, which I'm not sure about with your credit score. You might be able to qualify for a "store"...Read More...
Last Reply By A.Gonzalez · First Unread Post

Introducing the Member of the Month contest!

Briana
Each and every one of you is so important to us, so we’re starting a new contest that will shine a light on our rockstar community members! Each month, based on how many conversations you start, posts you like and interact with and how helpful and engaging you are in the community, we’ll be selecting ONE winner to crown “Member of the Month.” And that’s not all! How does a $25 gift card to a place of your choice sound? Thanks to Tango Card, the winner will be able to choose a gift card of...Read More...
@Brenda Perego Please see above!Read More...
Thanks for the opportunity!Read More...
Last Reply By Theodora · First Unread Post

Acorns

Forum: Save Money
Patti Weaver
I’ve been investing with Acorns for over a year now. It’s easy fun and takes the stress out of saving money as it’s done for you. Start saving for that rainy day.Read More...
Try Ibotta as well as Shopkick.Read More...
@Moore Income Which apps do you like better than Acorns?Read More...
Last Reply By Lynne Boley · First Unread Post

Where to put my retirement moolah

Forum: Retirement
Umleitungme
My husband and I both have retirement accounts: 401K's, Roth IRA, Gold IRA. We are in a good place financially but have a lot of questions. Where to put our retirement dollars! The Gold has lost 33% of it's value in the last 10 years. The 401K's have lost approximately $1000. per month for the last 18 months. The only one seemingly promising is the Roth IRA. What to do? Put all eggs in one basket or keep diversifying? I'm to the point of putting all my money under the mattress!Read More...
I would think that at your age you'd want a conservative portfolio, especially if you are already in a 'good place financially' as you state. I would avoid high risk- I'm 56 and over the last 25+ years I've modified my portfolio from one of high risk to moderate/moderate conservative. Sure, I'm not making a huge amount every time the stock market skyrockets- but I'm also not losing that, either. Currently I have 65% of my personal retirement in a 60/40 balanced stock & bond index fund...Read More...
I think your question need a solid review by a reliable financial adviser! Ours keeps our portfolio in balance for us in retirement. "In balance" is diversification as well as the level of risk within your portfolio. Do you have control of your accounts or are they through your employer? Personally, I get nervous with retirement accounts tied to employment unless they provide you with a healthy, matching investment funds benefit.Read More...
Last Reply By TekkieChikk · First Unread Post

Eviction on credit report

Forum: Debt
Not broken yet
While living with my ex, we were evicted out of our apartment. Short and gist of it is that we were charged with repairs to the property disposable items and non-payment. Now after going to court we won our countersuit stand we're not evicted, but was still asked to leave and he's charged with ridiculous fees. The deposit was still withheld from us, and everytime I look on my credit report the bees get higher and higher. I've tried to pay it off but I cannot get an accounting of any and all...Read More...
Clarity is needed. Even with the eviction being overturned, were some of the fees overturned as well? If not, where did the fees go that they keep getting higher? If they are with a collection agency, you should be able to negotiate for pennies on the dollar.Read More...
Yes, same advice as above. Contact Legal Aid and start there. The eviction was for, I assume, non-payment of rent. So you were allowed to move out and not have an eviction on your record. That does not erase any debt owed, but possible a payment plan could be made. You may have better luck working on legally eliminating the other fees depending on what they were. Call legal aid.Read More...
Last Reply By Bridgette · First Unread Post

Saving money on pet meds

Forum: Save Money
Patricia Gauss
This is my first post, and let me begin by saying that this is not self-promotion, and I have no personal interest in promoting this company/web site, but I saw the article this morning on saving money on pet expenses, and thought I would share this info. I have saved a ton of money on my dogs' (6 of them - all but one are rescues) flea and heartworm meds during the past 10 years or so by buying from a web site called bestvaluepetsupplies.biz . They are located in Australia, and you do NOT...Read More...
Chewy.com is also a decent place to order from. When it comes to medications for your pet, see if your vet will write up a script. My vet writes a script in my dog's first name and my last name. I'd get the scripts filled at the pharmacy. It was so much cheaper. Combine the purchase with GoodRX and it was less expensive than getting the script directly from the vet.Read More...
Good ideas from you both... I was guilty of overspending on my two dogs flea meds buying from my vet for convenience sake. Right now I am unemployed so the last time I ordered, I went on-line and found a pet site in California. The flea meds were 1/2 the cost. Shame on me for not doing this sooner!Read More...
Last Reply By AnnieB · First Unread Post

Investing

Forum: Retirement
I'm a senior citizen about to turn 69. My primary source of income is Social Security but I do seasonal work at our local golf course and side handyman jobs when available to supplement my income. I have save a bit of money and have seen info on some types of investing where a person can start for around $500 or so. My question is this, is that something a man of my age should look into or just be content with the 2-3% online savings and short term CD's provide. Thank toy.Read More...
I would invest through Worthy Bonds. 5% interest, no fees, no withdraw fees, and you can withdraw your money and any interest you accumulate at any time. Interest is calculated daily so you can earn money quickly. https://worthybonds.comRead More...
I wouldnt begin to invest at that age. The market could tumble and you could lose all your investments and not be able to wait out a recovery, especially if your income is limited. However, if you have excess cash you can survive without in the event of a market downturn, then you can .Read More...
Last Reply By seanway · First Unread Post

business development

Forum: Make Money
HI can you guys pls help me, i started this amazon bus development and i have a web site I have dropship site, I have facebook business pg etc, but I really am lost on actually what you do to make money can anyone help, they said when the orders come send them, but getting orders? pls helpRead More...
I've not tried Amazon........yet, but I have sold on ebay and Etsy and found the best source of information is within each website forums. People there are very helpful (in general, some trolling but I ignore it) Within my online venues I have found research and keeping on top of trends is essential. You must also keep track of every penny of your expenses. Ebay and Etsy both have raised their seller fees recently and both now collect fees on your shipping costs. I had a bad habit of...Read More...
Last Reply By mintjulep · First Unread Post

WORK AT HOME

Forum: Make Money
i Live in Oceanside, CA , does anyone know of any good work at home jobsites to work for businesses though and not all those online programs and surveys are good but a real job from a business, thanks guysRead More...
@Leave in Conditioner , thanks for the info. My wife said she'll be looking at these soon.Read More...
That is what I want to spend time doing....looking at those.Read More...
Last Reply By AverageJoe · First Unread Post

HOW TO START YOUR OWN ONLINE TUTORING BUSINESS?

Forum: Make Money
Traci Fischer
Are you well versed with expert teaching skills that you wish to share with people? Do you want to be available to students and help them get high-quality education? If your answer is a yes, then you must know how to start your own online tutoring business. Various students require constant help with many subjects or topics. The use of internet technology has expanded essentially. It has now become easy to teach students on the internet. Online tutoring business includes fewer start-up...Read More...
Glad I could help. Reach out to me anytime if you have additional questions.Read More...
Hey Binns, You have done it! What? solved one of my problems. I love this article.Even thought it was out of your mind. Thanks a lot. Regards J.Kinyua On Mon, 23 Sep 2019 at 15:06, The Penny Hoarder Community < [email protected]> wrote:Read More...
Last Reply By Christopher Binns · First Unread Post

My debt

Forum: Debt
Kealie Sheaa
How much can a normal person go into debt by?Read More...
It's never wise to go any further into debt than you KNOW you can repay, and quickly. The principles that we have come to use are Biblical principles. If we have to go into debt and we have a credit card, we will not use it unless we do NOT have the cash immediately handy in our bank account, or in our emergency account. We had to buy tires a month or so ago from a national chain whose card we carry. We didn't want to use the card, but we had to replace all four, got return credit on decent...Read More...
Don't cancel them because it will affect your credit score negatively. Having a store credit card on your credit report doesn't seem to be a bad thing except you got debts.Read More...
Last Reply By AverageJoe · First Unread Post

Have you tried the Zero Based budgeting method?

Forum: Budgeting
Briana
Has anyone used this budgeting method before? How have you (if you've done it) or how would you alter it to work for you?Read More...
I LOVE zero based budgeting! I get paid bi-weekly and the night before payday I fill in my spreadsheet for the next two weeks. It's basically set up like a check register. I start with my paycheck amount, and subtract EVERYTHING that I know I'll spend in the next two weeks, bills, savings, gasoline, sinking funds, taxes groceries, entertainment...everything, until it reaches zero. I even know how much I budget for gasoline for the two weeks and when I go for gas I put in half that much this...Read More...
I currently make just at or sometimes just under my monthly costs (a side hustle is a topic for another discussion). Does zero-based budgeting work even if you sometimes have more jobs than dollars to give them to?!Read More...
Last Reply By Jeanne Featherston · First Unread Post

Do I Need a Broker to Buy Stock?

Forum: Investment
Donald max
hello i am Donald Max and i am running a company which are providing the packaging services. i am getting good profit from this business which i want to invest in stock is there any buddy help me and tell is this right decision. and also tell me i need broker to buy stock.Read More...
ok thank you so much for your advice brother I will check your giving site then come back for more helpRead More...
If you have funds you don't need for the next 5 years them you can invest without a broker. Sites like betterment, wealthfront and many others are robo advisors that do all of that. And I know wealthfront can set up an IRA for you for retirement savings. But before all of that I would speak to an accountant and tax advisor.Read More...
Last Reply By Donald max · First Unread Post

Parent loans

Forum: Debt
Sandra Reagan
It s there any programs for debt forgiveness with patent loansRead More...
Hi Sandra, Unfortunately, Parent PLUS loans have some of the fewest options when it comes to forgiveness, but there are a some options. To qualify for most forgiveness programs, you'll need to first consolidate your Parent PLUS loans (but not any loans you took out yourself as a student), then apply for income-contingent repayment (ICR) plan. From there, you can either stick with the ICR plan, but forgiveness takes 25 years (and you still get hit with taxes for the remaining amount...Read More...
I have not heard of any, but I would contact the loan provider to check!Read More...
Last Reply By TiffanyConnors · First Unread Post

How to launch a subscription box.

Hi everyone! Sorry for the radio silence lately--I've been both extremely busy and barely working, and trying to figure out a way to make some money. Anyway, one idea I had was a subscription box for pet rats--Facebook has a huge pet rat community and I want to tap into that. If anyone wants to know how to launch their own subscription box, be it a Ramen of the Month or Rat Treat of the Month, let me know. I'll be happy to help you through the process. My passion is my pet rats. They're a...Read More...
Sorry to have to ask this but what's a subscription box?Read More...
Last Reply By Carolinagrl · First Unread Post

Invisible Emotional Costs

Ray Taylor Tetreault
After my divorce in the early 1990's I made the decision to move from the inner city of Cleveland to a sleepy suburb two cities away. At first glance the higher rent seemed untouchable but turned out to be less overall. Here were some of the invisible costs that I uncovered. You may find similar rationale to any seemingly unreachable goal on your list... The car insurance costs for suburbs are usually less than inner city and in my case, the suburb was closer to my employer's location which...Read More...
There is an organization called Retrouvaille (ReDiscovery) Searching for this name also goes to www.helpourmarriage.org (same non profit organization). My wife and I went on this program (a weekend in a hotel) and a follow up of 8 meetings. Its really a great program and they don't speak to you about your problems . Three couples share their stories in areas of marriage, you just sit and listen and then do a method of non threatening communication about the topic. We were a hopeless case,...Read More...
Been there, done that.... Prayers definitely coming your way!Read More...
Last Reply By rselwyn1000 · First Unread Post

Sallie Mae Loans

Forum: Debt
Dianne Chrestopoulos
Does anyone who has or has had these type of loans know whether or not they can be forgiven in any way? For instance by a company you work for or whomever? Thanks so much for the help.Read More...
I worked in student financial assistance with defaulted student loans. Unfortunately student loans will be with you forever until it’s paid off. not to sound morbid but death is the only way student loans are written off. Contact your loan provider most of them will work with you. Interest is crazy if the loan goes in default so try not to let that happen. Teacher and Nurses can receive loan forgiveness however I believe they have to be in the line of work for a certain amount of time (that...Read More...
Totally depends on the company... If you work as a teacher, or in certain fields, you can enroll in a debt forgiveness plan, but you have to be sure that you have the correct kind of loan. I THOUGHT that I did with Sallie Mae, but I did not. I refinanced and went through FedLoan and now I'm enrolled. 7 more years. Do your research on line, and be sure to talk with your loan company.Read More...
Last Reply By Tara Brogdon · First Unread Post

Cell Phone Carriers

I keep seeing advertisements and blog posts for "discounted cell phone carriers." They're marketed as a much cheaper option compared to Verizon and Sprint. I have unlimited data with Verizon and use my phone constantly to listen to music, podcasts, social media, etc. Has anyone tried any of these services and was it worth the change? I have the impression they save money for the person that does not use their phone often.Read More...
I tried Twigby but unfortunately the service where I live was worse than my current carrier. I really wish it had worked for us!Read More...
I use Twigby for my kids- they do not have a smart phone and the calls and texts are unlimited. The monthly cost is $12 for each phone. I cant answer your data question.Read More...
Last Reply By KathyC1971 · First Unread Post

What are some really effective ways to boost a credit score?

Forum: Credit
Briana
It's been a long journey of boosting my credit score - I'm currently signed up with Credit Sesame and get tons of helpful tips from them on how I can do this more effectively. But my question is - is it better to pay off credit cards slowly or all at once?Read More...
These are some steps to get faster results: 1. Find out when your issuer reports payment history There’s something called a “credit utilization ratio.” This is the amount of credit you’ve used compared to the amount of credit you have available. You have a ratio for your overall credit card use as well as for each credit card. It’s best to have a ratio — overall and on individual cards — of less than 30%. But here’s an insider tip: To boost your score even quicker, keep your credit...Read More...
Effective ways to boost a credit score 1. Deletion of negatives 2. Clear your debts 3. A maximum of 10% credit utilization 4. Maximum of 3-4 credit cards more than that causes more harm 5. Dispute any errors or items in your credit report 6. If you ever get confuse contact an expert but be very careful 7. Use a reputable credit repair company This should help you http://creditstreamers.com/info/ I started building my score a few months ago and currently have a FICO score of 785Read More...
Last Reply By Mike Johnson · First Unread Post

Student loans!!

Forum: Debt
80,000.00 in student loans, masters degree but will be dead before they are played off . HELP!!!Read More...
Probably the best summary of avaiable programs I have seen online. I don't have a problem with paying my loans, but it's the interest rates that get me. I have been in the loan forgiveness program for about 5 years now.Read More...
Hey! Here is a recent article about debt forgiveness programs for student loans I think you all might find helpful: https://bit.ly/2nqmmAvRead More...
Last Reply By Leon · First Unread Post
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