Latest Buzz

Saving money on prescriptions

Forum: Save Money
mintjulep
I've learned a few tricks to help save on the high cost of prescription medications if your medication is not covered by insurance or you have not met your deductible. The best way in my area (Florida), is to register at either GoodRx.com (which is national USA) or FloridaRx.com I've not personally used GoodRx.com but from input from other people, it works just as well for finding the best prices in your area. Both are discount cards you show at your pharmacy and both sites have apps for...Read More...
That's good you rescue a dog. My dog I got at 2 years old she will be 9 next month she a ShiChi and has athirst. My daughter dog is a pug/Chihuahua He will be 3 next month. She had him since he was about 6 months old My son dog she is ShiChi /pug/Chihuahua. She will be 2 next month. We had her since she was born. Her mom is my dog the dad my daughter dog. I do know there one other company out there but not sure the name but it came out to be allot higher GoodRx.Read More...
@Moore Income I edited the post this morning to add that GoodRX.com is national, not just limited to FL. I published the price spread for that one drug because that is what is going on at the pharmacies these days. It is definitely worth checking out the prices at all the pharmacies near you, with or without a discount card. Where most goods and services are competitively priced in any given local area, drugs are not!! And up until the last couple years or so, I just always stayed with one...Read More...
Last Reply By Bonnie Squires · First Unread Post

Do you have any special needs children?

Forum: Think Bank
Bonnie Squires
Hello every one. As you all know we have 8 children. We have 6 special needs children. I'm glad that they didn't have allot medical wrong with them. Our last one had the most medical problems. Our oldest 2 daughters will all ways have a mind of a child. Sadly they have to have a man in there life all the time. One of our girls have 2 children but i know she can take care of them. Our 3rd son is fine and manger of a small store. Our 4th son is like our daughter. He acts more like a teen boy...Read More...
WEN DEE that is wonderful you adopted a son. They can be so funny at times. Our 2 boys will do all most any thing for us and our 27 year old son he will help any one out. Thats a fault in some ways when it comes to women. They end up using him. No matter how many times we tell him some one using him he just wont listen. I don't like it when his heart gets broken but I know some day he will find happiness.Read More...
We adopted our son, when he was 18 months old. He is Special Needs. He is so talented, he loves to be a comedian.Read More...
Last Reply By Bonnie Squires · First Unread Post

Best Debt/Credit Card for Travel

Forum: Save Money
Wen Dee
Any suggestions for a debit/credit card that offers free airfare/bus or train discounts, free or discount hotels and free or discounts for restaurants? We are traveling this fall and are trying to keep costs down. Any suggestions are appreciated. ThanksRead More...
This would be nice, but I do not know of any, since most require a high-spend amount to receive points.Read More...
I have heard a lot about the Venture One card from Capital One @ekuhlens . Thanks for sharing your tips. @Arthur Pember it is true that certain people like to take advantage of tourists when it comes to the exchange rate. This is true in nearly every country I have been to. Your best bet is to exchange money at a bank.Read More...
Last Reply By Lele · First Unread Post
Hello every one. I was wondering if any one brought from Sam Costco ot BJ club. There my be different names in other counties. I've a Sam club card. Its cost $40 a year for it. So far I've gone once. But I brought eggo waffles which we all love and french fries pan cakes and french toast sticks. The waffles was $9.99 for a box of 60 If i brought them at a store it cost me $2.00 or more for 12, The french fries cost $12.99 for 30 or 35 pounds At the store for a 16 to 28 oz bag it cost any...Read More...
MINTJULEP We go threw allot of tp in our house but i really don't buy any other paper product but paper plates. I don't think KS has a BJ's or Costco.Read More...
One of my projects this year is to track my purchases at the warehouse clubs. We belong to both BJs and Sams. I prefer BJs because their bulk packages are smaller than Sams. My partner prefers Sams because he claims they carry stock that appeals to him more than BJs. I mainly like them for their gas prices, like Moore Income. We freeze and dehydrate a lot of food, so bulk buying works into our lifestyle. Clark Howard, a national consumer guru who I follow, swears you pay more for paper...Read More...
Last Reply By Bonnie Squires · First Unread Post

Have you used Credit Sesame to improve your credit score?

Forum: Think Bank
Briana
Opportunity to be featured in a Penny Hoarder article Have you used Credit Sesame to improve your credit score? How much were you able to improve it? What was your favorite thing about using Credit Sesame? How has improving your credit score changed your life/outlook? Disclaimer: By responding to this request, you are OK with your full name being used in an article by The Penny Hoarder and you are available to be contacted for further information regarding your experiences.Read More...
MOORE INCOME thank you i didn't no that.Read More...
@Bonnie Squires Credit cards can actually be a fairly effective way to build your credit. The key is to use them just as that, a tool. Having extra available credit especially if you carry a balance can help create a better debt to available credit and keep your usage below a certain percentage which in turn increases your credit. For example, on my account, they are only recommending one credit card to me and it is one that could potentially start me off with a high credit limit which would...Read More...
Last Reply By Bonnie Squires · First Unread Post
Hello every one I was wondering do you make your own lunch for your school age kids or for work for yourself? I only have i kid in school and he eats the school lunch. When my husband was working I would make his lunch or dinner. Depending what time he worked it be lunch or dinner. The thing is i use to make to much food for him so he share it with his co workers. We had a large family so it wasn't easy making food for one. But his co workers loved my food. lol When he came in one would ask...Read More...
MELINDA LONGTIN I understand about food lasting in a car. There only 5 of us now and its still hard making smaller meals. So now I'm trying to find out what meals can be frozen. I've a seal a meal which has saved me tons of money all ready.Read More...
That is great that you had time and opportunities to cook/prepare lunch so often! I cannot do so because my full-time job is so incredibly inconsistent and I spend so much of it driving. Food only lasts so long in the car.Read More...
Last Reply By Bonnie Squires · First Unread Post

Do You Invest In An IRA/ROTH IRA? Why or Why Not?

Forum: Retirement
Moore Income
I personally opened a couple different ROTH IRA accounts with an online platform which ended up saving me from having to pay in taxes due to the credit I received from paying it. I am wondering if there are any other Penny Hoarders who also have an IRA or ROTH IRA and what are some of the benefits you have received for having it or if there is anything you dislike about it. Also, if you do not have one, what is keeping you from getting one?Read More...
@mintjulep Glad to be of help!Read More...
Moore Income, thanks for that link to Nerd Wallets comparison. There is information there about Roths I did not know. I just reached 70.5 and have been working with my financial adviser as to how best/when take my RMDs and then what I'm going to do with it. The hope is that I can tighten the belt enough to reinvest some of it!Read More...
Last Reply By Moore Income · First Unread Post

Instacart?

Don Everett Smith Jr.
Hi there Tonight I met a woman who was shopping for Instacart. It’s like Uber for shoppers. I was curious if anyone tried using it or had worked with Instacart? Thanks! DonRead More...
@krisnick09 Glad to see you had a good experience as a customer of the service. Instacart is really focused on providing the best service for their customers and their delivery drivers alike. Without one or the other they have no company!Read More...
Hey Don I’ve used Instacart here recently. My local grocery store offers a shop and pick up at the store feature. But; if you can’t get a good time they offer Instacart. I don’t have anything negative about my experience with them. They were very efficient and timely. I even had good conversation with the person who delivered my items. The service is good because you can avoid going to the store and dealing with issues like if they don’t have enough lanes open. They give you the option of a...Read More...
Last Reply By Moore Income · First Unread Post

What do you collect? Books,Toys,Coins ect.

Forum: Think Bank
Bonnie Squires
Hello every one. Is there any thing you like to collect. When I was a kid and teen i collected stuff toys. Now i collect vintage crochet books and cook books. Plus I collect coins.Read More...
@Bonnie Squires Yes, I thought that was all over.Read More...
MSKIMBERLY very true. our son use to keep up with the prices of them. now he working and doesn't really keep up with it. I was surprised the other day we was in the dollar tree and i seen packs of cards. I asked the kids are they Pokemon cards. They told me yes. I'm surprised they still make them.Read More...
Last Reply By MsKimberly · First Unread Post

Who has a budget for online activity like hosting?

Forum: Budgeting
Deon Christie
Making a few extra dollar on the side may require an online budget. Especially when you have to up your game and compete with other professionals. My personal online budget is for things like hosting, plugins and autoresponders. There is also the monthly expenditure for indexing and Google Ads to stay ahead of the game. These are the kind of expenses newbies walk in on, often discourages them to keep going. Yes you can make a little on the side without spending much. There are countless...Read More...
DEON CHRISTIE i never really though about this great post. thanksRead More...
Last Reply By Bonnie Squires · First Unread Post
I have to admit, I do that rather often. Because people's ignorance can really be astonishing sometimes. The problem with " Common Sense " is that it's not that common anymore at all. Ignorance often ends in accidents, or irritation or damage of some kind. With regard to acts of ignorance, I sometimes wonder how we made it as a species this far? Like this morning, I noticed a truck attempting to reverse into a rather tiny goods delivery entrance lane. The truck driver was completely in the...Read More...
DEON CHRISTIE we have a Sam Club here you can buy in bulk but you have to pay $40 for a membership for the year.Read More...
For me it's a shop called Makro @Bonnie Squires . Where you can buy in bulk with rather large savings. I save almost 45% on my groceries considering quantity. Which makes it easier to not having to buy groceries as such every month. Apart from the everyday items like bread, milk and fresh veggies.Read More...
Last Reply By Bonnie Squires · First Unread Post
For me the one superstition in particular is walking under a stepladder. I would climb over the ladder or even walk around a building to avoid going under a stepladder. It is believed to be bad luck going under a stepladder. But I don't think it's the bad luck part that have me not walking under a stepladder, or at least not the only reason. Because it is also dangerous going under a stepladder especially when people are working. Tools and equipment can fall and cause serious injury. Are you...Read More...
DEON CHRISTIE yep thats what i was told.Read More...
I knew there was something with itching hands @Bonnie Squires . Although I had my wires crossed and thought one meant getting money. And the other to be spending money...lol!Read More...
Last Reply By Bonnie Squires · First Unread Post
I think the real reward lies in the joy on someone's face. Or rather relieve. And a rather familiar feeling if you had once been in a similar situation. I think the world needs more kindness. And in my opinion true kindness does not come with any expectations of gain in any way. When you help someone, do so because you want to. Not because you want to remind them ever so often, or use it as publicity. In fact I think acts of kindness should be done completely anonymous. But kindness is often...Read More...
Indeed @Moore Income . Tiny acts of kindness give us hope. The world needs more of that.Read More...
There are still good people out there @Tracee . That is pretty amazing. And also how I believe we should help people, completely anonymous. People don't need to know everything right?Read More...
Last Reply By Deon Christie · First Unread Post

What social media site you use or are on?

Forum: Book Club
Bonnie Squires
Hello every one. I was wondering what social media site you use or are on. How do you use your social media accounts? I've twitter which i've not used in a long time. Facebook I use at least once a day or more for family and friends and use to use it for business. Linkedin I don't use to much. I know there a couple other ones just can't think of them.Read More...
DEON CHRISTIE thats goodRead More...
It's quite hard to keep up @Bonnie Squires . Which is why I use auto posting tools like Buffer. But I have a lot of work before my next post scheduling period.Read More...
Last Reply By Bonnie Squires · First Unread Post

Raising Credit Score

Forum: Debt
Wen Dee
I am trying to find out which way is best to build up my credit score..... 1. Pay off about $2,000 in medical bills or 2. Open 2-3 Secured Credit Cards, charge 30% of the card limit and pay it off in full each month? Any advice is greatly welcomed.Read More...
@Moree Income, I love your advice, thanks so much!Read More...
@Wen Dee I see. In that case, it might be a little more difficult to open credit cards but not entirely impossible. Especially if you have a decent amount of income, there are some cards that will approve you with lower credit score, but you gotta do your research to find out ahead of time. I know Capital One offers a lot of options and some for lower credit scores in order to build up credit. I personally started out by getting a store credit card at Kohls. Although I only got approved for...Read More...
Last Reply By Wen Dee · First Unread Post

Do you plan your meal for week or month?

Forum: Think Bank
Bonnie Squires
Hello every one. Do you have a meal plan in place if so is it for the week or month? I usually plan my meals around what is on sale. So they could be a couple days or a weeks worth of meals. I'll be making meat loaf with mash potatoes and a veggie for a meal I'll have meat ball hero's with a salad Than there will be pork chops with rice and peepers onions We will have a steak dinner which is a treat for us. I brought a meat pack for $60 it had 4 steaks,5 pound roast and 5 pounds of hamburger...Read More...
A little outside my department @Bonnie Squires . Although I like to cook occasionally, but also prefer game meat. It's so much more healthy than the meat from the butcher. My brother is quite the hunter, and I normally pay him to do the shooting. Usually a Kudu and Blue or Black Wildebeest fill my fridges with enough meat well into the next hunting season. Works out a lot cheaper that way.Read More...
My wife and I have tried somewhat to have a meal plan but we find that it doesn't usually work out like we plan. Since it is just the two of us, it is hard to plan food that is just enough for that meal and we usually end up with left-overs. While we have no problem with left-overs, we have found that a lot of times we end up wasting food this way. We do try to have somewhat of a plan for different meals that can be made and my wife will just cook throughout the week as she has time and...Read More...
Last Reply By Deon Christie · First Unread Post

I am new at this. My posts are not being published.

Forum: FAQ
I am new at this. My posts are not being published. Who do I contact?Read More...
@MsKimberly glad to see your posts are now being published and you have become an active and helpful member of the community!Read More...
Thank you so much. I appreciate your help.Read More...
Last Reply By Moore Income · First Unread Post
Opportunity to be featured in a Penny Hoarder article Have you found a personal loan through the Fiona marketplace (by Even Financial)? We'd love to hear about your experience. What'd the loan help you accomplish? By responding to this request, you are OK with your full name being used in an article by The Penny Hoarder and you are available to be contacted for further information regarding your experiences.Read More...
@Briana I personally do not have experience getting a loan through them. I did however go through the initial process but I did get a little confused when they redirected me and I got quite a few emails that confused me a bit more.Read More...
Last Reply By Moore Income · First Unread Post

Compound interest

Forum: Investment
joann
When starting out saving, what is the best thing to do if you want take advantage of compound interest to grow your money?Read More...
Your best bet when getting started would be to find a high-interest savings account. With many new online banks and platforms being introduced to the marketplace, the interest rates are starting to get pretty competitive and it should not be hard to find something that could work for you. I am not an expert on the topic but I did f ind this article from Motley Fool that goes into more detail about what types of investments can give you compound interest. Hope this helps! For anybody else...Read More...
Last Reply By Moore Income · First Unread Post

coming out of my shell

don't really know how to talk to people when it comes to anything about my lifeRead More...
@collins Crystal, you are taking the first step by being on this forum. I know it can be uncomfortable at first talking to complete strangers, but I have found that when you reach out and genuinely take an interest in others, conversation begins to come naturally. As you talk to people, you will find times when you may have a life experience that would be helpful in the conversation, by sharing your life experience you bring value to the conversation and it can be extremely helpful. If there...Read More...
Last Reply By Moore Income · First Unread Post
I have only been to different destinations in Africa. Haven't left the continent...yet...lol! But I did enjoy both Zimbabwe and Botswana. The latter in particular. Such a peaceful place. From Gaborone to Kasane is basically the entire Botswana. With Kasane in the heart of the Okavango Delta. In other words a Paradise. Where wildlife is highly valued and nurtured. We had awesome game drives and even heard of buffalo passing through our tented accommodation. A rather exhilarating experience I...Read More...
@J Glenn Bryant thank you for your service! The military does offer a great opportunity to travel in some cases. It sounds like you have done pretty well for yourself financially and rewarding yourself by traveling is a great option! What were some of your favorite spots that you visited or some places on your bucket list?Read More...
I can only imagine the knowledge you've gained @J Glenn Bryant . That's quite a profit you had there, well done!Read More...
Last Reply By Moore Income · First Unread Post

hello

Hi! I'm Crystal from Johnson City NY. I'm a stay at home mom that loves to save money, couponing & contesting (sweepstakes). My goals are to live debt-free while life keeps sending us curveballs that use up all our savings so that we need to start again . I like to save money for camping & travelling too. also doing arts and crafts with my kidsRead More...
Hi @collins nice to meet you and glad you are a part of this community! You have definitely come to the right place that aligns with your goals. I hope you find a lot of value from this community and I look forward to the knowledge you have to share as well! If you have any questions or if I can be of help in any way, please don't hesitate to let me know!Read More...
COLLINS nice to meet you Crystal. How many kids do you have and what kind of crafts do you like doing? All most all our kids are grown now. We have 8 and expecting our 6th grand child in NovemberRead More...
Last Reply By Moore Income · First Unread Post

Playing Cashflow. Is it helpful for finances?

Moore Income
I realize this post doesn't fit exactly in this challenge category, but it does because of the fact that I want to challenge you, if you haven't played the game called Cashflow , I challenge you to do so! Cashflow is a game invented by Robert Kiyosaki (who wrote Rich Dad, Poor Dad) and is designed to help you better understand the world of money and how the Rich and poor handle their money. My wife and I played the game tonight with a group of friends and I have to say, playing the game...Read More...
@MsKimberly @Bonnie Squires the game is both education, fun and slightly addicting my wife and I played again with her sister and my brother this afternoon!Read More...
@Moore Income it does sound interesting and fun. DEON CHRISTIE I though the same thing as you did. MSKIMBERLY i agree with youRead More...
Last Reply By Moore Income · First Unread Post

What is a good summer job for a teen.

Forum: Think Bank
Bonnie Squires
Hello every one. I was wondering what would be a good summer job for a teen boy. lawn mowing is out because he can't be out side to long do to sun posing. He does like playing video games like fortnight mind craft and I'm not sure what other games he plays. Thank youRead More...
DEON CHRISTIE thank you very much i willRead More...
I actually looked into that since we last spoke @Bonnie Squires . Just search your browser for the search phrase " game tester jobs ", or " video game tester jobs ". But also use " Scamadvisor(dot)Com " to check the trust rating.Read More...
Last Reply By Bonnie Squires · First Unread Post

What was your biggest challenge getting started online?

Deon Christie
It all started with a single email, and I will never forget the system. Click Cash Commissions was some sort of code to enter on your website or blog. And at the time I didn't even have a blog. Needless to say it didn't really work for me, but it did however spark a curiosity rather unexpected. Allow me to add, I knew nothing about anything online marketing. But the claims looked promising. Therefore my biggest challenge was choosing a niche I knew nothing about. And had really limited PC...Read More...
DEON CHRISTIE so true what you said.Read More...
I think we all get sucked down that rabbit hole @Bonnie Squires . Especially with all the glittering " proof " right? One of the methods to create compelling content is to address a common need within a niche. Now who doesn't want extra cash? Which is why it's such an effective marketing tactic. But I have grown quite considerably since. Much wiser these days.Read More...
Last Reply By Bonnie Squires · First Unread Post
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