Latest Buzz

How to pay for my trip to Machu Picchu

Forum: Budgeting
Keanu Miller Brown
Hello, I am planning my trip to Machu Picchu and I want to confirm the following tour in this company: Salkantay Trek to Machu 5 Days I want to confirm the trip with my partner and they offer me the following payment methods: Visa with 8%, Paypal with 10%, Wester Union with 7% but I can't find an agent near my house and bank deposit which charges a commission on my Bank and in the bank of the company. If someone has already had a similar experience please help me.Read More...

Got early access to an app that earns rewards

Forum: Make Money
Hi dear community - I signed up at mailrt.co and got early access to rewards. The way it works is they are taking physical mail online. As I save more trees, i get more rewards. it’s a great way to also get rid of junk mail.Read More...
you are not saving any trees by passing on the junk mail. I wish that I could stop it altogether. lolRead More...
Not sure what to expect. I went to the website...it said join the wait list. Not sure what to expect. Time will tell.Read More...
Last Reply By Leslie Kay · First Unread Post

Paid off Debt, however Credit Score stayed the same....Why?

Forum: Debt
Wen Dee
Curious why did my credit score not improve, even though I paid off my debt and the creditors have reported it to the 3 credit bureaus. My credit report indicates all the debts were paid off. Any advice is appreciated. ThanksRead More...
You are lucky that you qualify for debt consolidation loan. That is the option that I would take. If you file BK your interest on a new car loan will be 24% range and your insurance will be higher. It takes 4 years or so to start getting credit back on track after a BK.Read More...
Interesting. I am seriously contemplating debt consolidation. Someone suggested bankruptcy, but at 73, I don't think I feel comfortable with it. One of my main reasons to consolidate is that I will immediately go from $700+ in monthly credit bills and one loan to a more manageable $250-$300/month payment. The remaining money will allow for me to purchase a small car and insurance (the one thing I am desperate for), plus decent groceries. A car affords me more independence, and I have been...Read More...
Last Reply By Leslie Kay · First Unread Post

Amazon purchases

Forum: Save Money
Carol Bontrager Sveglini
I read awhile back about some apps to use when ordering online. Planning on making several purchases on Amazon. Was Ebates one of them? Are there others? CarolRead More...
Ebates, Honey, Be Frugal, Coupon Cabin, Shop at Home. Just to name a few online cash back extensions for Google.Read More...
I have used Ebates a lot in the past and have gotten quite a few nice little checks from them for cashback on travel purchases and online shopping. Lately however I have been using Be Frugal as they generally tend to always offer a little more cashback at most stores than Ebates. I do have to say that I have not cashed out with them yet. They do offer a $10 bonus (message me for info) for signing up and they offer quite a few ways to cash out including gift cards that you can cash out when...Read More...
Last Reply By Leslie Kay · First Unread Post

Wedding Planning

Forum: Save Money
Amber Hurd
Just out of curiosity, has anyone ever planned a cheap but decent wedding? No idea on a budget yet, but I do know that I'll have to be planning one probably next year. Wanting ideas before I look on Pinterest for other ideas. Thank you :)Read More...
@Amber Hurd and @Teresa Myers congrats to you both! My husband and I's goal when we got married was to not go into debt for one day. We set a budget and made sure every vendor we worked with fell into it. We gave our selves a little over a year to save and plan. I also DIY'd a lot. The biggest savers for us was finding a venue that included tables, chairs, some decor, and an entire weekend in the cost. We also made sure the caterer we went with could staff a bartender for us, rather than us...Read More...
I need advice too please! I'm going to be planning one in 2021! I'm 47 and never been married! So I want this to be very special for me and my soon to be husband! He's never been married either! We will definitely be on a budget so any ideas or suggestions will be greatly appreciated! Thanks so much!😘Have a great day!💯🌞❤️Read More...
Last Reply By Ashlee · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Hi Penny Hoarders! This week we want to give our Veterans a special shoutout. We’ve been celebrating you all week long and are so thankful for your service. Here’s your weekly round up of announcements... In the market for a home? Here’s how to qualify for a conventional loan, which could save you thousands. Check out this quick video our team put together explaining everything you need to know. You can also read the entire article here . Have you found a cool way to make money outside of...Read More...
Try Credit One, First Premier, Capital One for bad credit Visa/MC's. You will pay a monthly service fee on each card from $6.95-8.95 and a high annual fee and high interest with small CL. $300-500. There are other startup fees, as well. (These are not the cards you have to pay cash upfront to get. I have never tried one of those.) I had 5 accounts paid pristinely for 5 years and there is no good exit plan. The cards proved my creditworthiness and helped my credit score. But when I could get...Read More...
Hello penny hoarders I’m trying to build my credit up and people telling me to get a credit card and make my payment on time but I never had a credit card before and my credit will not let me get one anyway could someone tell me another wayRead More...
Last Reply By Leslie Kay · First Unread Post

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...
They do take taxes out of your pay. I love Philly, but would not want to live in the city. Surely, the suburbs would have less crime. That sounds like a fantastic idea--making knitted items and giving part of the funds to St. Jude. We have lost family members to cancer, too. My mom died from lung cancer. No, Mechanicsburg is not a suburb of Pittsburgh. Harrisburg is the capital of Pennsylvania. There are what we call the East Shore and the West Shore. The East Shore are the suburbs right in...Read More...
@BeckAtsila I lived in Decatur when I was in the second and third grades. I went to Lincoln Grade School both years and had Mrs. Zuttermeister in 2nd grade and Mrs. Harrington in third. Of course, as I've stated that was 50 years ago. I'm sure they're long gone and departed to be with the Lord. It was Mrs. Zuttermeister who discovered that I was dyslexic and had my parents get me a reading tutor. By the end of the year, I was actually reading on a college level! I'm thankful for her and for...Read More...
Last Reply By MsKimberly · First Unread Post

Saving on a Fixed Income

Jeanne Featherston
I mentioned this in my Welcome message but hope to get a conversation going to learn how people save money while living on a fixed income. I'm 64 years old and live in Michigan, work 35 hours a week right now and am lucky to be debt free. I hope to retire in the next year or two and feel that my biggest challenge will be learning how to save extra money and if after a crisis may arise, how to rebuild my emergency fund. I'm currently trying to set myself up with extra jobs such as house/pet...Read More...
Jeanne. I'm on a fixed income which means I need to make smart desicions when I spend. You need to separate yr needs from yr wants. Like for instance, can I watch how you spend yr money on food? Food is always a big drain on anyone of our pockets, esp as the food in the store goes up. So there is a way to cut spending when it comes to that. Before you go to the store, look at what u have already in yr fridge or pantry or freezer and try if u can to make a list of items, that will be of the...Read More...
I grew up in Southern California and went to a Camp Fire Girls camp for 14 years. I love it also.Read More...
Last Reply By Arthur Mantzouris · First Unread Post

Vet Bill's and saving

Forum: Save Money
Toni Mccall
You can save a ton of money in vet Bill's by going to your local feed store or Tractor Supply store. You can purchase deworming, flee control, and they usually have low cost vaccinations a couple of times a months.Read More...
Take an empty water bottle with cap on tightly placed into a tube sock. Tie a knot in sock so bottle doesn’t come out. Instant free dog toy!Read More...
Yes! I also purchase 40lbs of pine pellets ( usually for horse bedding) for $7. This is what we use for cat litter. I often add a bit of baking soda too. With or without that, the pine smells so much better, is way more economical + my cat digs it. 😁Read More...
Last Reply By Lori Dyer Rhoton · First Unread Post

Robert Kiyosaki

Forum: Investment
Is anyone (preferably someone with lots of experience in this area), familiar with R. Kiyosaki? He has a couple books out, Rich Dad, Poor Dad. I was looking into his investment strategies which he says are very simple and anyone can implement them. Are his strategies integral? Do they work? Still interested in clarifying the facts..thanks for any feedback. I want to invest money but in a sound & solid way...Read More...
My career was sales and most sales people are seminar/book junkies. I attended and read many and here's my take: 1. I always always took away at least 1 brilliant or motivating idea and usually it paid for the seminar or book; 85% fell in that category. 15% presented 2+ brilliant or motivating ideas and were jackpots. 2. I always wondered why the seminar teachers were teaching and authors publishing instead of doing whatever made them raving financial success stories. One can not have too...Read More...
I have found some value in his books and I listen to his podcasts from time to time to learn about different things going on in the financial world. When it comes to investing, I believe it is something personal that we all have to figure out on our own what advice to follow and if it is something we are willing to commit to and take a risk on personally. I don't believe one key person has the magic investment strategy to make all the money, I believe there are multiple factors that play a...Read More...
Last Reply By mintjulep · First Unread Post

The FAQ UnCertainity

Ronnie Arnett
Is video-streaming service like Hulu & Netflix is worth your cash in US. I support Netflix for the content that available in different genres. But Hulu gives a cheaper subscription to nation. How you think of this... ThanksRead More...
Hey, You're supposed to be encouraging us to give up all that extra cost stuff, but I think you just talked me into keeping my Netflix AND ordering Disney +!! Just kidding! I'll cut back on Christmas shopping, increase charitable giving a little, keep Netflix and NOT order Disney+ (until I give up Netflix).Read More...
My wife and I stopped our subscription to Netflix a while back simply because we didn't watch it enough. But even with the recent price increase, I think it is still worth it for the amount of content you get access to. With the recent introduction of Disney+, I might have to subscribe simply because my wife loves watching some of the shows from her childhoodRead More...
Last Reply By dboothe · First Unread Post

Savings

Kandy Bradshaw
If you had a small savings put back but it is enough to pay out a couple bills, would you do it or keep your savings and keep struggling check to check?Read More...
This can be a tough one because I know many people who would say "you should never touch your savings account as that money is for your future"... but what future if you are running behind on your bills and can never seem to get ahead? As mentioned by @redcatcec most savings accounts pay you such little interest. Over time, because of inflation, the amount of money you receive in interest is less than the rate of inflation so with a savings account you actually end up losing money in the...Read More...
That is the reason I have kept my savings. Sometimes I have to have fall back on money. Thank you for your input!Read More...
Last Reply By Moore Income · First Unread Post

Tossing 7.00 in trash bags a month!!

Forum: Save Money
Annette Perez
I am single and only require 1 box of garbage bags, but I stand and look at the outrageous price KNOWING they are trash bound. Ha Ha! After owning horses all o=f my life I found the 50 lb feed bags to be sturdier, less, breaking and FREE! Go to a local stable and they will happily save them for you. get the plastic ones.Read More...
Great idea and a great way to make use of something that would otherwise be discarded without being put to second use. I don't live near any stables but my wife and I will reuse grocery bags as well as any spare boxes that are otherwise just getting sent to the dumpster.Read More...
Hi Annette, I have horses as well. I always use the feed bags at the barn but didn't even think to use the rest in my home garbage. You are brilliant. Thank you.Read More...
Last Reply By Moore Income · First Unread Post

Credit Repair vs Credit Monitoring

Forum: Credit
Reginald Cole
What must one do get their credit report cleared from negative remarks?Read More...
While not everything can be removed from your credit report, there are different things you can do to remove negative things that may be in error. I do not have a lot of knowledge on this topic but I found this article that details several ways to potentially remove things from your credit report: https://bettercreditblog.org/h...our-credit-report-2/Read More...
Last Reply By Moore Income · First Unread Post

Bank Accounts with No Monthly Fees

Forum: Think Bank
Hi everyone. I joined The Penny Hoarder because I saw an article about Banks with no monthly service fees. Well I have two more banks to offer. Key Bank and Woodforest Bank. I have checking accounts at both banks and I pay ZERO in monthly fees. I don't believe either bank uses the Chex System ( I hope that name is correct) because I have a POOR credit rating and I got a checking account at both banks without any issues. Oh I just checked and the checking account I have at Woodforest is for...Read More...
Welcome to the community @Della D and thanks for sharing those banks with everyone. For those looking for a fee free bank that is not location specific, I have been using the Chime banking mobile app for quite some time and I really like how flexible it is. I use it to deposit my side gig income and to keep that money separate from my personal money and income. They don't charge any fees to bank with them, they have thousands of free ATMs and they offer a savings account that gives a decent...Read More...
For me it will be my very first time to join here i really hope that i can be part of your teamRead More...
Last Reply By Moore Income · First Unread Post

Free tuition for seniors

Forum: Retirement
David K Winslow
Where can I find the list of cooperating institutions for free tuition?Read More...
I think this is a great subject/find. Seniors are on budgets and this program offered is wonderful. Thank you for the great topic!Read More...
Great list. Thanks. Unfortunately the NY ones are not readily available to us and the Virginia ones have an income limit which is very low.Read More...
Last Reply By lori wulff · First Unread Post

MERRY CHRISTMAS

HI EVERYONE, Hallmark will pay you a $1000.00 for watching movies you just have to go to Hallmark to apply...unfortunately it's not applicable where I live but for US citizens go for it!!Read More...
Too bad I don't have cable...Read More...
Hi Everyone Apparently you go to Hallmark and apply on their website for this opportunity. Thanks!! Happy Monday!Read More...
Last Reply By MsKimberly · First Unread Post

Has anyone done the doordash job?

Forum: Make Money
I'm wandering if anyone has done the doordash to make extra money? I'm thinking about it. But I need a little more insite about them. Like the taxes, reporting to social security, you know the important things. I'm not sure I can do it for a main job but I need to make extra money for the holidays.Read More...
Yeah I knew about the 1099 deal. Just not sure of ss. I can't do it all day long cause I have issues. But I've got to do something to help with bills and holidays. SS is what I'm on and I don't want them to think I can work a regular job cause I can't. I seen something about doordash being sued somewhere over missing tips. Was hoping more knew about it or maybe even do it.Read More...
As far as I understand when you work for DoorDash you are a 1099 employee. So you'd need to pay taxes on it at the end of the year. I have 2 1099 positions that I have to do the same with. That being said I think you can also deduct your mileage and gas, so keep good track of those things. Also I don't think you have any social security taken out with DoorDash, but again, I could be wrong. Good luck!Read More...
Last Reply By layitlo · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday! Whew! Where has this week gone? Here’s your weekly round up of announcements to get you through today and into the weekend... We’ve crowned our November Member of the Month. Join me in congratulating Lisa Acu ñ a (@lismox) for being selected this month’s winner! We all appreciate your help around here, Lisa. Each month we look to crown a new winner. We’re looking for someone who is super helpful and active in the community. Each winner receives a $25 gift...Read More...
Not a problem, @Lesley Michele .Read More...
Thanks Average Joe😁😁😁😁Read More...
Last Reply By AverageJoe · First Unread Post

making money online

Forum: Make Money
Hey guys!... i was wondering if you guys heared of this Trading/Investing program... http://partners.etoro.com/A81627_TClick.aspx It looks like a great way to become debt free,financially free and have the time to do the things you would love to do in life and i just wanted a few opinions to make my decision on it!Read More...
@Keenon Felix No, I have not.Read More...
Last Reply By MsKimberly · First Unread Post

Estate Sales and good evening! I'm fairly new

Forum: Make Money
Juleigh Hastings
Hello, I want to say a little bit regarding my last career which was a blast, sometimes sad, mostly endearing, mostly made excellent money, educating, and much more. I was and Estate Sales Professional. I am telling you all this because I am getting started on conducting my own in three weeks. I have been reading all of The Penny Hoarder site on Side Hustles to sell, and from experience, thankfully, actually, anyone can do this! We have so many items to sell, so many people need things as...Read More...
@Juleigh Hastings , welcome to the Penny Hoarder Community. You're right about the "presentation" issue. It's usually the best thing to make things look their best. At times, we've "antiqued" some things to make it look as if it were from the time period they ere trying to represent. It helps. Good look in going on your own. There are SO many ways to make money through online sales and even personal sales it almost scary if someone misses them and loses out. Looking forward to hearing more...Read More...
I agree about making items look their best. No matter what you are selling, make it look the best you can.Read More...
Last Reply By AverageJoe · First Unread Post

How To Save Money on Groceries

Forum: Save Money
Six on a Budget
How do others save money when buying groceries? I have two ideas that have worked really well, among others: First: Ask what do we have to eat; not what are we in the mood to eat? That simple question saved us remarkably by making do and getting creative with what we already have in the house, rather than frequently running back to the grocery store for a "few more things". Next: Call your local grocery store and ask what time of day that store clearances meat, produce and bakery items. Shop...Read More...
Growing up using Aldi's, we had to use both frozen AND fresh fruits and veggies. With eight of us and friends to boot around all the time, we always had apples, oranges and other things around to eat after school. Of course, we had chips and the fried apple and cherry pies as well, but we were usually directed to the FRESH things first! Mom always made sure of that. We were also blessed in the fact that we had a friend who grew veggies in an acre leased lot close to our church who brought us...Read More...
I love Aldi!! I even found that you can use coupons on some of the name brand items that they have in the store. We save money with our family of 6, five gentleman and myself, by couponing as well. I buy fresh vegetables and fruit but sometimes purchase the frozen because they last longer in my house.Read More...
Last Reply By AverageJoe · First Unread Post

New A/C Payout Now or Finance Later?

James Nixon
I have the opportunity to replace my 17yo A/C unit and pay cash, but the unit is running and has a new controller and compressor replaced last year. My question is should I payout 7k for a new unit now or run this unit out and finance the replacement down the road? #goodproblemtohaveRead More...
I have a very similar situation myself. My HVAC system is 29 years old and it's living on borrowed time. 7K to replace everything and I'm going to do it. I figure the sooner I start running something efficient I'll be saving money due to the higher efficiency of the new unit, so I'll be saving money every month. The power company sends out monthly "usage" figures and they say my house consumes 42% more energy than the houses around me.Read More...
I saw your post, and signed up so I could reply. I am an HVAC service tech, and if you recently replaced the compressor and controller, that is a big deal. If this unit is not giving you problems I suggest keep running it. Although do take care of it, change your air filter Every month, and keep your outdoor condensing unit always clean. Use you garden hose and rinse the coil clean, often. That is how it rejects the heat inside to cool you. if you have any questions just ask.Read More...
Last Reply By Jimi · First Unread Post

Credit cards

Forum: Debt
Herdercine Nash
I am 80 years old.I have let myself get deep in credit card debt.My house is paid for.I owe 20.000 MasterCard and 25,000 American Express.I am paying the monthly payment s on both of them.Will the credit Card companies ever forgive the interest or is there anything I can do?Read More...
@Herdercine Nash I am sorry that you are so far in debt. It's true that bankruptcy wouldn't be the answer at this point. There are some good reputable consumer agencies out there that will work with you on reducing your credit. I've seen one on the television several times. I believe it is Credit Associates. There are some acquaintances that are in their 60's and 70's who had their amounts due dramatically dropped, as well as the interest rates lowered. They were totally out of debt in less...Read More...
I am so sorry about your situation. That is a heavy load. Only a few things to suggest would be first, do you have any reasonable expectation of being able to pay them off? If you have been a good customer for years, perhaps calling them and asking them to drop their interest rates could be doable. If there's anything you bought with the credit cards that you can return/sell, now is the time to do it. I wouldn't worry about bankruptcy really because at this age, it's probably not necessary.Read More...
Last Reply By AverageJoe · First Unread Post

I Found Another Way, To Earn Money

Forum: Make Money
Joyce Taylor
I use this App on my phone, called Coin out and all I do is scan my receipts. And I get cash back on the web site. I really enjoy using this web site. It don't pay out much, but I still like using this web site.Read More...
It is time consuming and the lure of extra points to stop in a store when you don't need anything (for example 100 points to walk into Carter or 200 points for Best Buy on Saturday) may lead to impulse purchases and blow any 'bonus' you may have gotten... I rarely do Shopkick anymore as I do not need to go into a store like Carter's unless I'm buying a gift for someone and I've found that diapers make a better baby gift than more clothes..Read More...
I will look into it, sounds goodRead More...
Last Reply By Shannon H · First Unread Post
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