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Consolidated debt relief

Slfier
Hi This is great! I researched consolidated debt relief companies for almost a year and ended up signing with The Law Offices of Robert S. Gitmeid & Assoc., PLLC because it was the only consolidated program that my company recommended thru our EAP. My credit is horrible now which I understood would happen and it will take me 4 years to pay off all my debt. After joining Penny Hoarder and reading numerous articles on debt consolidation, I think I made a mistake. I was wondering if you...Read More...
Good morning Penny peeps! I'm a newbie, so forgive me if I should have posted this somewhere else. I'm in my late 30's with my ups and downs with credit due to a chronic illness. I'm trying to get back on track. According to credit sesame, I owe 450.00 (yes, that is not a typo) to an old VS account. However, because I haven't had credit in my name for quite some time, my score is terrifyingly low (468), it is not moving, and I can't get any credit anywhere! Credit sesame says my score will...Read More...

Selling My Things

Forum: Make Money
Eber A.
As the New Year Begins, I find myself looking for additional ways to make money. While looking around, I thought about all the stuff I have and figured I could sell some of it. I have no interest in doing a yard sale, mainly because I don't have a yard, but I have heard of people selling their things online. Does anyone have recommendations on the best places to sell your things online? I've heard of OfferUp but since I've never used it I thought I'd ask around here and also ask if there's...Read More...
Hi everyone, We have some exciting news! We’ve noticed one of the topics that has routinely come up here is credit card debt. You all have asked everything from how to bounce back from a plunging credit score, to whether or not step in to aid a friend drowning in debt. We’d love to help support you in realtime! On January 13, we’ll have Robin Hartill, a senior editor at The Penny Hoarder and the voice behind the personal finance advice column “Dear Penny,” join us here in the community to...Read More...
@redcatcec & @Ngozi Metu Happy Monday! Here is the link to the forum where we will be taking live questions from members starting today! https://community.thepennyhoar...nny-credit-card-debt See you in the forum! Looking forward to getting some great discussions going!Read More...
Happy Friday! It's Robin, aka Dear Penny. Just wanted to say how excited I am about getting your questions and also getting to know you all during next week's credit card debt live Q&A. See you on Monday, Jan. 13... Until then, have a wonderful weekend!Read More...
Last Reply By Theodora · First Unread Post

Where does debt go?

Forum: Debt
I am the conservator on my Mother estate. She co-signed for my daughters student loans (private), which my daughter has been paying. As my mother is 93 yo, and will not live forever, what happens to that debt if my daughter falls behind or can't pay? Does the bank come in to collect upon the time of my mothers death? I expect my Mom to be around for quite a while more, she is a pistol! Thanks.Read More...

Want to buy a used car with fair credit

Forum: Credit
T'Ianna Moore
Okay, my credit is fair and I need to buy a car, like three months ago. I have a significant amount saved up to go towards a down payment or purchase. How do I go about finding a good deal and not get stuck with a lemon? Any and all suggestions are welcome! :)Read More...

Being a Match Maker.

Forum: Make Money
Jobelle Collie
I saw the item about earning extra income by using natural talents of being a Match Maker. I’m single. I’ve had no luck on date sights, my age is the flaw. I’m 59, retired. I do ask friends that if they know of anyone, but they come up with nothing. I’d like to hire a Match Maker, but the Pros in this field charge $25,000 USD .Read More...

This week’s Community Announcements 1.3.20

Maryann
Hi everyone! Happy 2020 — can you believe it? I’m so excited about this year. I think it’s going to be a good one. From debt payoff to investing, I’ve already read some great financial resolutions here in the community. Here’s to starting off the new year right and accomplishing our financial goals. We’re kicking off the new year with an exciting stat. We’re 12,000+ community members strong! It’s been great to see all the conversations and support here. We published a roundup of the most...Read More...
Thank you for welcoming me to the family.Read More...
Affiliate Marketing been working great for me.Read More...
Last Reply By Lateshia Lawson · First Unread Post

Pay off credit card monthly

Forum: Credit
Grandma C
When I pay my credit card in full each month do the credit bureaus acknowledge this and up my credit score? I have been told I need to have a balance carried over to the next month and then pay it off along with the interest in order for it to show up on my credit report. It seems to me that paying interest on a credit card defeats the whole purpose of trying to up my credit rating.Read More...

Student loan debt

Forum: FAQ
Terrie Kathryn McCoy-Harjo
I'm 58 with back student loans. They are taking $51.00 a month out of my social security. My ex husband got his expunged and had no more debt. He doesn't know how this came about. What or how can i get relief from my student loans. This is about all i have on my credit, besides medical, that is holing back on my credit. The monthly payments are allot of money for me since i don't receive much.Read More...
I'm no expert on student loans, although I do still pay on them myself. I know that you can get them "expunged" depending on your disability. Do you know who holds your loans? Go online and look on their website and do a search for disability. Or if you are more comfortable, call them. It cant hurt to ask, and ask again. It may be a frustrating process (dealing with them usually is for me) but a worthwhile process.Read More...
Last Reply By KellyFromKeene · First Unread Post

Auto Ins based on usage

Forum: Save Money
Hi everyone, just this week I heard about Auto Insurance based on actual usage. I'm newly Disabled so reorienting some areas of spending. It doesn't make sense to pay so much when hardly driving at all. Before inventing the wheel, I thought asking here might yield results for all of us. Is this really a thing? It's Its certainly not common knowledge yet, if so. Are there legitimate companies/ comparisons? Thanks!!Read More...

Beforthright.com

Forum: Make Money
Mr. Demario
I came across this website that is survey based, but the kicker is after the survey they send the amount you made directly after completing the survey. Anyone have any experience or knowledge on this site? I’m hesitant to join. Thank YouRead More...

Suggestions for Automated Savings?

Forum: Save Money
MountainFan
I've read through this article a bunch of times now, and I still just don't know. I've tried Acorns and honestly never saw much benefit with the small bits of savings I was able to put in the account. I like the idea of Digit but I'm worried a little about how it works. (Like does it offer protection to not overdraw?) Investing seems a little outside of my scope for now. I love the idea of setting goals for the savings, like for an emergency fund or vacation. I recently opened an Ally...Read More...
Budgeting isn’t easy. But whether you’re trying to cut spending to save for that new house or you’d like some extra money to put towards your credit card debt, establishing a budget that works for you is essential. Which is why we’ve created the Budgeting Bootcamp experience. The bootcamp is a two-week program that will teach you how to establish a budget from the ground up and then actually stick to it. Every couple of days you’ll receive helpful tips and tricks for creating your own...Read More...

Airline points cc

Forum: Credit
Is there a thread analysis of CC with the best Airline points? Anyone know how soon one could use the card once approved (have to wait for the actual card in mail?). Thanks!Read More...
Rarely am I given a gift I don't like. However, it would seem unreasonable to travel to the store/use up gas and wait in a long line unless it is very expensive. Regifting...I would do that if the person I am giving it to does not know the person who gave it to me. Unless it is a very practical gift, I probably cannot make use of it. One year my mother and I gave a bakery gift card as a gift to someone. She went there frequently. We found out that she regifted it to someone we were close to.Read More...

Super Easy Tips for Saving $1000 or More in 2020

Forum: Save Money
Elice Max
At the start of 2019, I was introduced to the Penny Hoarder by a friend while we were discussing our money problems. After being a silent reader for a few months, I decided to join the community and share some of my experiences. I’ve learned quite a lot about financial management on this forum and this article is a summation of everything that has worked for me. I’ve set a minimum limit of $1000 to save within a period of one year. With a stricter discipline, one can, however, save more.Read More...
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