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Life

Forum: Credit
I have try to have something but things are not going on well in our place even food to eat there's no wayRead More...
We're in the war area now for some time and we have be indoor no movement in my country Cameroon and life is not going on well in Cameroon if some one can help to do some thing it will be fine for us.Read More...
Life can be tough sometimes, but keep your head up, its not the end of the world. This community is a great place to get helpful knowledge that can assist you in some of life's situations especially when it comes to finances. If you have any specific questions, don't hesitate to ask.Read More...
Last Reply By Orock Michael · First Unread Post

Judicial system squeezing the life out of people

LostNaDESERTofDEBT
So I have found myself in between a rock and a hard place. I have debt piling up faster than I can pay it and it's all from the judicial system In One way or another. I have fines to pay to the magistrate court and also the municipal court. Ong with probation cost and child support. The problem is that this all stems from child support to a woman who refuses to let me see my child who I love more than my life itself, and who in truth was the one who left me high and dry while I was trying to...Read More...
Thank you everyoneRead More...
T DRIVEe are you located? The system here in Cali is the worst. Seriously. You men get truly screwed. Im sorry you are in the situation you are in. Here, we have a legal aide office in the courthouse, specifically to help with stuff like this. They can help my bf with his court stuff AND his child support issues. He is in the same **** boat as you. Crazy. Anyways... Stop driving. Youll just get caught again. they've got your number, so why make it easy? Stop. Find a friend, family member,...Read More...
Last Reply By LostNaDESERTofDEBT · First Unread Post

Budgeting tips

Forum: Budgeting
NanaWaller14
Dave Ramsey has a great budgeting tool that's free. "Every Dollar". Also, the envelope system and using cash, never credit cards is the only way to go. We did it for years, and it's amazing how much you save! Unfortunately, we used all our cash when we built our new house and got out of the habit of using cash. So, now I'm trying to get back on track and can't wait to get it all together again. My husband has absolutely no interest in going over all the numbers. He just leaves it all up to...Read More...
What app do you use for receipts?Read More...
The envelope system is good just have to use a app for recites keep track of everythingRead More...
Last Reply By NanaWaller14 · First Unread Post

Private money lenders

I am investing in real estate and would like to know about private money lenderRead More...
These are all excellent tips, Brandi. I too live in Houston and have a single rental property now for 6 years now. I'm too exhausted (health) to look for more. I have found excellent advice on the Bigger Pockets site, and I get a list of private lenders about every 2 weeks or so from a source that I'm not sure about. They may come from my realtor. I'd also consider taking equity out of current rental for my next purchase. But, that's for another day.Read More...
I got into real estate investing a few years ago. I started out by attending some RE investment club meetings. I'm not sure where you live but here in Houston there are a couple good ones called the Rich Club and the wealth club. From there I networked and found a coach to teach me the ropes. I then began doing what I learned. Networking is the best way to find private money lenders but actually anybody can be one. All they need is access to cash to loan. This can be their 401k or the like.Read More...
Last Reply By sthom · First Unread Post

WFH Transcription Woes??

Forum: Make Money
Gabby
Hi! Is there anyone on here whose gone through a remote transcription job and could give me tips on speed and audio quality? I love transcription and have been working with Rev for a while now off and on, but I miss a lot of jobs because the best I have is a set of noise canceling headphones. Is it worth it to invest in a pedal or anything else to boost audio quality on my end??? If so, do you have any recommendations??? I'd like to do more than one freelance job so when one's workload is...Read More...

Retired at 32

Forum: Retirement
LaLa21
I was medically retired from my job due to a chronic medical condition two year ago. I was fortunate enough to have planned for this possibility by choosing an organization/entity that had phenomenal disability retirement benefits. I love not having the obligation of working anymore, but I must admit that it can get difficult because everyone else is working & thriving in their careers. Are there any other retirees in their 30’s, or am I one amongst none🤷🏽‍♀️? What have you implemented...Read More...
@Tina Flemmons a great start in your search for Work from Home jobs would be at The Penny Hoarder's portal specifically for that. They post all sorts of jobs for people with varying experience. I also found this article on The Penny Hoarder where they share 14 other websites you can find work from home jobs. Hope this helps!Read More...
Any suggestions for work at home jobs...Read More...
Last Reply By Moore Income · First Unread Post

Any ideas to save money on a cross country move?

MrsD08
My husband just accepted a job offer in Arizona. (YAY!) We live in Illinois. We're moving without a moving company and are just overwhelmed thinking about it all! He needs to be in Arizona in 3 weeks. Our lease is up in mid-July and I will be staying here packing stuff (and selling, donating and pitching). We have decided not to move a bunch of our furniture. We have one vehicle, an SUV that we are putting a trailer hitch on. I have a loaner from my in-laws that won't be going with us. ANY ...Read More...
I've made many cross-country moves. My family typically goes to the liquor store to get boxes--they always have them, they're a good size, and the liquor store typically wants to get rid of them. In college I rented a half-furnished apartment and made my own furniture--end tables and the like--out of cardboard boxes covered by a throw blanket. If you're looking for packing material, a lot of larger cities have free newspapers.Read More...
We just completed a cross country move and used PODS for our stuff. You pack them yourself and they are dropped off at your destination. You're given a little time to unpack, then they pick up. U Haul has a similar service. // Packing materials. Newspaper end rolls. You can get them cheap at your local paper. Cardboard boxes, try freecycle or craigslist for free ones. Pack things in things. We had just gotten a new fridge so weren't inclined to get rid of it before the move. After taking all...Read More...
Last Reply By BeckAtsila · First Unread Post

Buying A Home With Bad/No Credit

Maehymm
Has anyone bought a house with bad credit? How much was your deposit? We are ready for our own space.Read More...
it has been my experencie that if you have a good job, have a solid reputation, have some savings and work with the right people you can buy a house with no credit or low credit. You also must be prepared tp wait for a proprerty.......... Share what you are lookng for on Nextdoor. You will be amazed at how many ways you can get into your first house. W:hat about a contract for deed? Rent to own? Check into your city and county programs for first time homebuyers. if you have skills check out...Read More...
I didn't need a mortgage to buy my home. I did take out a mortgage in order to buy a car. I have always had bad credit. I contacted Quicken Loans and they were FANTASTIC!! They helped me improve my credit so I could get the mortgage. I highly recommend Quicken Loans to everyone looking to buy a house!!!!Read More...
Last Reply By Paula Marie · First Unread Post

How helpful is a financial advisor? When should I start?

Forum: Retirement
crice
Clearly, saving money is #1 when it comes to being ready for retirement, and while there are differing opinions on what plan is best, I'm pretty reliable in investing a portion of every check. I started late, but (hopefully) there's still time to catch up. I don't know anything about planning for retirement beyond "just save as much money as possible," though. I don't want to end up waiting too long to consult with an adviser -- but I also worry that I'll miss opportunities to maximize my...Read More...
I would also like to add a little as this discussion is about a financial advisor and I have already worked with many of them since my graduation. A financial advisor/investment advisor is very important for anyone who is thinking to save or invest his money. Companies hire complete teams of professionals with command over investment ideas and risk management. Small firms hire freelance advisors or small firms for their consultation. So the answer to your query is simple, Yes, a financial...Read More...
How much should you expect to pay for a financial advisor?Read More...
Last Reply By sararoberts · First Unread Post

Life Insurance, Disability Insurance, Wills, etc

Forum: Insurance
Nicole
Part of financial well-being is also being prepared to protect you & your family should something terrible happen. Do you have Life Insurance, Disability Insurance, Critical Care Insurance, a Will? If you do, how often to you make sure it still suits you & your lifestyle? (eg will only lists 2 children & now you have 3, life insurance would pay off your mortgage but now your mortgage is paid off)Read More...
Universal Life is a ripoff! Buy Term and shop for long term care separately. You'll save money.Read More...
We need to update our wills. We used to get it updated every year when we were with a company that sold legal insurance as sales associates. Now we no longer are with that company, and haven't kept it updated. We are in the process of writing our new wills, and will file them and leave them in appropriate hands. We do realize that it's important to keep things like this updated, though, as well as having a living will and all the correct directives. I don't preach on it, but my sister asked...Read More...
Last Reply By NanaWaller14 · First Unread Post

How to earn money with simple idea!

Forum: Make Money
Trần Ngọc Tài
I have a friend started to make wine from sticky rice then some bbq at night on the street. People comes every night. First, they come to try sticky rice wine then get some foods. A lot of people enjoy it and my friend planing to open more local restaurant start by sticky rice wine. Simple but it worksRead More...
Very great idea .....Read More...
Wow, that's interesting. Great idea!!!Read More...
Last Reply By Yvonne Hill · First Unread Post

Always buy used when possible

Forum: Save Money
Ken Lyons
I've learned (through hard lessons) to always negotiate on prices of things and always buy used when possible. For example, if my family needs a new sofa, we have visited a local furniture store and written down the brand and style of what we like. Then, we search through Craigslist or Marketplace on FB for that item. Almost always, I've found what we wanted used, often fairly new and in great condition. It has saved me hundreds if not thousands of dollars on everything from furniture to...Read More...
Wah! We don't have NextDoor in our area, but there MUST be something, so I'll keep looking. Thanks for getting me on the right track!Read More...
Thanks for the tips. Heading NextDoor right now! I'd never heard of it.Read More...
Last Reply By dboothe · First Unread Post

Budgeting as a Couple

Forum: Budgeting
The Saving Scientist
Hey Hoarders, When I was growing up, money was always a topic that involved arguments, tension, talks of divorce and screaming matches that were enough to arouse the biggest fear in a young child. As a result, I've always grown up believing that money was a taboo topic. That it's rude to ask people how they deal with money, or debt or manage their budget. I believe this to be one of the biggest stumbling blocks of our generation (or any generation for that matter). We're ashamed of money -...Read More...
Nice, @Veronica , congratulations! Sounds like you really have your finances in order together.Read More...
@Veronica It is so true that financial issues are one of the biggest causes of stress in a marriage. That is why it is so important for people to work hard to get their financial house in order. The stability that comes from having a good handle on your finances is something that is really lacking in a lot of households.Read More...
Last Reply By KellyFromKeene · First Unread Post

Misfits Market

Hi has anyone used the Misfits Market for your fruit and vegetables? What was your experience? https://www.misfitsmarket.com Thank you!Read More...
I have never heard of them until today, but depending on where you live, it might be a great way to get fresh produce!Read More...
I have never heard of it here in FarNorCal... Interesting... Keep me posted 🤣Read More...
Last Reply By Moore Income · First Unread Post

Kelley Blue Book vs Retail

Car buying: what is different between kelly blue book and retail?Read More...
There has always been much confusion when it comes to car pricing. I'll never forget my very first brand new car, that Toyota I paid FULL sticker price on, not knowing I could negotiate the price! That hard life lesson taught me to always negotiate and research pricing. KBB is just one source of pricing both new and used cars. Others include NADA etc. Which is better? Usually depends if you're the buyer or the seller! If you're trading your car in, you want the highest value for it while the...Read More...
I wish I knew more about this! This is what I found with a google search of your question. About Kelley Blue Book ® Values For over 90 years, Kelley Blue Book has been The Trusted Resource for used car values, helping car owners understand what their used car is worth. Depending on the method of disposal, there actually may be more than one Blue Book Value for the consumer's car, truck or SUV. The Kelley Blue Book Trade In Range shows what a consumer can expect to receive for their car this...Read More...
Last Reply By Ken Lyons · First Unread Post

April's Member of the Month is...

Briana
It's about that time again - to announce April's Member of the Month! What is the Member of the Month? The Member of the Month is a monthly contest that awards one Penny Hoarder who is the most engaging in the community. This could mean asking thoughtful questions, sharing tips and experiences and/or helping answer questions that other Penny Hoarders have. The winner will be rewarded with a $25 gift card of their choosing and have their photo displayed on the homepage of the community! This...Read More...
Welcome to the community @Camigramu There are lots of helpful tips on budgeting under that category here. Look forward to hearing more about your journey!Read More...
@Camigramu Welcome!Read More...
Last Reply By Moore Income · First Unread Post

Over Couponing

Forum: Save Money
A few months ago i got into using the Dollar General and Family Dollar apps for their digital coupons. The main items that i seek are household items such as laundry detergent and fabric softener. I would only buy the items if they were less than $3 after using the coupons. I thought this was a good idea to load up while i can get them for cheaper than their regular non-sale price. Is it a good idea to load up certain household items for a cheap price even though you may not necessarily need...Read More...
I love couponing at Family Dollar and CVS. I love digital coupons. CVS has started sending 30 percent coupons to me by mail. I stack those with digital and paper coupons along CVS store coupons. I coupon for my daughter as well. I have a stockpile and give items as gifts. I made a gift basket for a housewarming party, and giving away another for a friend's birthday.Read More...
NICOLE Yes Dollar General does have digital coupons but you can only use it once. Which means if you needed more than one you can't get it. Even if you went to a different store you still couldn't get it. I'm just saying.Read More...
Last Reply By Veronica · First Unread Post

Track extras!

Forum: Save Money
Tracey Lalena Tabers
I had no idea how much money I was wasting until I dove deep into my monthly bank statements. App purchases and even small monthly services were adding up. Keep a running list next to your computer and write down the continual monthly and once a year expenses. Signed up for a free trial? They will charge you without asking after the trial is up. Keep track, people!Read More...
No more free trials for us. I cancelled Amazon Music @$7.99 monthly, and Amazon Fresh @$4.99 monthly. I still have 0.99 Hulu till December, Netflix, Amazon Prime, and Kindle Unlimited (paid until 8/2022). My husband still has LA Fitness @$29.99 monthly. We will cancel Netflix in October for Disney @$6.99. I never even used Amazon Fresh and paid the subscription for at least 6 months.Read More...
The free trials have caught me a couple of times, too. I like your list idea, @Tracey Lalena Tabers for keeping track of how quickly they add up. Here's something I've found works for me: Before I sign up for a free trial, I figure out what the end date is going to be (since the subscription services rarely tell you that info). I set an alert in my Google calendar for three days before the trial period ends to give myself the cushion of a couple extra days to log in and unsubscribe (finding...Read More...
Last Reply By Veronica · First Unread Post

How to get better coupons

Forum: Budgeting
barbara mariottini
when i see a product i need i purchase it i then get home email the manufacturer tell them i like there product ask them for cuopons give them my name and address and them to mail it to meRead More...
Yes thanks for the good ideas for guitar strings at this time we are very Bless Thank You Lord To Have food pantries in our area in Utah any tips or tricks You have learn on how to get free grocery ?Read More...
yes, I have. Mostly with grocery items. I let them know my family & I love their products. Most are generous to send coupons. I saw you were interested in guitar strings, also google contests for guitars, music stores, etc......that also may help you achieve your goal of free guitar strings. Or contests for Visa cards, paypal, etc.Read More...
Last Reply By bcraig · First Unread Post

Buying your first home? Here's what you should know.

Briana
Looking to invest in your first home and you just don't know where to start? The Penny Hoarder lays out exactly what you need to expect when buying your first home. Is this helpful? Feel free to share your first home buying experience with others in this thread! Learn more about buying your first home here: https://bit.ly/2H0mkIORead More...
Great article. Really helpful. I'll definitely make a note of important things. Thank you for sharing.Read More...
What a great article! Even informative when it's not your first home purchase!Read More...
Last Reply By Ana24 · First Unread Post
I have had a Chase Slate card since 2005, it is my oldest open account with a 9.9% APR. Well, Chase is 'upgrading' my account to a rewards card with a 15.74% variable APR. I personally don't like rewards cards because of the higher APR charged (unless the balance is paid in full each month). My questions are: 1. since this is my oldest open account what impact will closing this account have on my credit rating (currently around 813)? 2. should I just leave it open and not use it? Thanks in...Read More...
Thank you; that totally makes sense.Read More...
@KimK Because a part of your score is determined based off of the "age" of your credit history. It takes the age of all your accounts and averages them out to create part of your score. So, in that case, if you have an account that is 8 years old, one that is 3 years, and a 1 year old account, and you remove the 8 year one, you lose those years of credit "age". Your credit score will then drop because now it is just averaging out the two lesser ages of credit history. At least that is the...Read More...
Last Reply By KimK · First Unread Post

Stride Health with Etsy

Forum: Insurance
Miranda Mattson
Has anyone tried getting their health insurance with Stride? They work with Etsy sellers and I have read mixed reviews. But I think it would be a good option for people like me who run their own business and have an irregular income. I would love some opinions so I can make an informed decision. Here is a link: https://www.etsy.com/seller-handbook/article/helping-you-find-the-right-health/35196764666Read More...
I have not tried Stride health, but as a delivery driver, they also work closely with several delivery companies to provide health, dental and life insurance to those working in the gig economy. I recently tried signing up for life insurance through them and a company they partner with but was denied coverage despite not having any real health issues and although I have been approved in the past from a different company. If you can get coverage with them it might be a good deal but I am not...Read More...
Last Reply By Moore Income · First Unread Post

Senior Traveling

I am finally a senior ( Yeah!). I would like to go traveling but I am interested if anyone in the community travels with any Senior groups. I am kind of tired of waiting for that perfect time so others can travel with me so I am thinking of traveling alone. So much to see, so little time. Please share your stories and traveling experiences with me.Read More...
I have done bus tours though Eurpoe & it was a mix of families, couples, friends & single travellers. I liked the bus tours too because I didn't need to worry about train connections, driving & navagating (and missing the views!) booking hotels, etc. I got to check out the flavours of Europe & find out where I wanted to go back to spend more time. They did have the options to share a room with someone else for a discount or have your own hotel room. The group eats some meals...Read More...
Always thought of traveling but am by myself and not sure that would work. So any thoughts on groups would be appreciatedRead More...
Last Reply By Nicole · First Unread Post
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