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Looking For Part-Time Job

Forum: Make Money
Hello I'm new to the site and I'm looking for an opportunity to work from home to earn some extra cash. Or ever an evening /night part time job to supplement my income. Please suggest any links and please don't send anything that I'm required to pay to join a club. I want real legitimate JOBS!! Thanks.Read More...

This Week's Community Announcements 1.31.20

Maryann
Hi everyone! Hope you all had a great week. There are a couple new things going on over at our HQ that I wanted to share with you all. For one, we’re headed to Vegas ! Well, our content is. We recently partnered with the Las Vegas Review-Journal to promote financial literacy and personal finance content to the Las Vegas market. With this partnership, the Review-Journal will publish The Penny Hoarder articles to their readers in Las Vegas. We also launched a fun marketing campaign this week.Read More...
Looks like things are pretty exciting for you guys! Good to see that you are reaching out further with the helpful content TPH offers. Things were pretty busy for me last month but looking forward to what the next month has in store.Read More...
Last Reply By Moore Income · First Unread Post

January No Spend Challenge

AnnMarie L.
Brand new here and am wondering if there’s a group that’s doing this? I’ve read about it in the past but never gotten through a whole month...Read More...
Thanks DBOOTHE! Good job on not spending. I wish you continued success too.Read More...
Best of luck AnnMarie L! Thanks for swapping saving ideas and accomplishments and making the challenge fun. I bought a few things this morning that that I had held off on last month, but really when I reconsidered everything in my cart, they were needs that I could just wait on during the challenge, so great lesson. Continued success going forward.Read More...
Last Reply By AnnMarie L. · First Unread Post
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Buy now or wait a year?

Jobelle Collie
I need to build a home that has handicap modifications because I plan to age in place and NEVER go to a nursing home. I already have a home health nurse, but may have to expand her role as I become more aged. My current home has a negligible mortgage (about $5000 USD) so when I sell it, I’ll make my money back I paid for it. I’ve been looking to move for about two years, but finding the right builder, land has been a hard nut to crack. So I went to a real estate attorney to put me in the...Read More...

Lowered my gym membership price

Forum: Budgeting
lismox
I had a small success today. I added my gym membership to my husband's account. I will save $20 a month, so $240 per year. I wish I'd done it earlier. Then I called my Internet company to see if we could get a better deal, but that was a no-go. And we dropped Hulu and CBS.com (which was through Amazon), which I'd completely forgotten I was still subscribed to. It pays to stay on top of these things.Read More...

Monthly Rental Payments

Davis Julie
My rental payments have been paid on time every month for the past seven years. Can I in any way have that on my credit report? I've been working with Lexington Law getting my credit in order, but I have a judgment for eviction that was over seven years ago. Any comments greatly appreciatedRead More...
Discover offers free FICO scores (don't have to have a card) and Credit Karma offers free Vantage scores, as well as a credit report.Read More...
I am also not getting my credit scores. I mean the numbers. And my FICO score. Any suggestions. I dont want to pay for it and I would like to see the numbers now.Read More...
Last Reply By JeremyM · First Unread Post

Closing Credit Card Yes or No

Forum: Credit
Ana24
Hello everyone, I need some expert advice. I was thinking about closing 2 of my credit card one is secured Capital One and the other one is First Premier unsecured. Thinking of closing them after we get our house. I have both of my cards for almost 10 years now. I was wondering what will be the effect towards my credit score if I did close them? Thank you in advance.Read More...

Plastic bags going, Brown bags in

lori wulff
I am all for recycling. Even though plastic bags are handy and convenient, they are ruining mother earth. What is your 2 cents on this?Read More...
REDCATCEC, Ugh, I have been reusing the plastic grocery bags to clean my cat's litter box so the trash doesn't get smelly. You can't flush that stuff. It seems silly to recycle the grocery bags and buy small plastic bags to place the used cat litter into the trash. I do recycle when I get an abundance of them at the grocery store, but what to do about the cat litter so as not to stink up the house, but also not have those grocery bags in the landfills and where ever else they go. What to do?Read More...
You are right, the recycle places do not accept the plastic grocery store bags, please take them in to the stores or places that do. The recycled bags are melted down to make composite lumber (with saw dust). They also are made into other plastic items, like door & window frames, decks, and play ground equipment. The plastic bags are not biodegradable and stay in the environment a long time, eventually releasing chemicals into the water and soil. They also find their way to the bodies of...Read More...
Last Reply By dboothe · First Unread Post

Capital Gains for Selling property

Forum: Taxes
I asked our cpa how our taxes will be affected if we sell our rental property. Most of the funds of the sale will be going to the mortgage company and we’ll pocket about $20,000. That $20,000 will go to pay down my husbands stock plan loans (he can borrow against it). Our cpa said we’ll pay capital gains on the total gain. In my understanding, that means that the difference in what we are getting ready to sell it for minus what we paid for it, is what we have to pay taxes on. If that is...Read More...

Insurance claim - minor accident, my fault

Forum: Insurance
I hit my neighbor's parked car. No one else was involved but me. I took pictures. The cars both got scraped. I figured mine is worse than hers and that both looked like something that could be sanded out. I figured I'd owe her $200 or so. She got estimates for $800 and $1800 ! The higher cost is from the dealer, and that's who my insurance company chose for her to go to. It appears they just took the estimate at face value. I thought they would estimate it themselves. (Her car is the white...Read More...

Should I do a balance transfer

Forum: Debt
Christine Corsaw Van Duys
I have a balance with a credit card with 20.74% interest rate. I have a credit score of 765. Would if be helpful for me to get a new credit card that offers 0% for 15 months? I really dont want to mess up my credit score if I open a new account.Read More...

Subscriptions

Forum: Save Money
Eber A.
What subscription services do you guys have? Do you actually use them? I’m going over my subscriptions and I know I need to cancel some.Read More...

raising credit (FICO) using the snowball effect

Forum: Debt
maria rose
I recently questioned Pennyhoarder about the sudden hit to my credit (FICO) score, which I thought had to do with Synchrony Bank taking over 6 of my credit cards. I decided to not use (unless totally needed) every one of those cards until I eliminate the balances, using the snowball method. Using a credit simulator, this effort should show some (not much) increase in my FICO score, even with excellent no missed payments. I found out today, that this is a result of a change in what is...Read More...

Student Loan

Forum: Debt
Gia S.
I have had a outstanding student loan since 1986! They are now taking 40.00 from my SS check. Is there anything I can do since the school was bogus to begin with, and closed down a few years after it opened. ThxRead More...

SUBSCRIPTIONS HOW MANY DO YOU NEED?

lori wulff
Hi I recently posted about Amazon prime subscription which has sliding scale prices for all budgets. I have Amazon Prime along with my cable provider. I feel 1 SUBSCRIPTION should be all. There really is no need to get more since most of the subscriptions offer similar selections. Choose the one where you find stuff you like and if you have kids check out the kid selections. You can really save $$ if you take the time to shop around and compare different types, and be patient and wait for...Read More...
I don't have any subscriptions....so I must be saving a lot of money.Read More...
Last Reply By MsKimberly · First Unread Post

How do you get great deals at Thrift Stores?

Forum: Save Money
Madiha Jamal
“Thrifting is like mountaineering, but instead of getting intriguing views you get some good deals at the end” Many People shop at thrift stores- some out of necessity, while some love it! Either way, Thrift stores provide more appealing options if you are not more in to the latest trends. The best part? You can find something you love, at the ridiculously lowest price tag! Plus, you can save a lot of money like buying an entire bag of clothes for $20. You couldn’t even imagine how much...Read More...

If Money Was No Object, Where Would You Travel and Why?

Moore Income
I am a lover of travel and a huge advocate for people having dreams and seeking to fulfill their dreams. That being said, I am curious to know where my fellow Penny Hoarders would travel if money wasn't something you had to worry about. What would be your dream trip/vacation and why would you choose that specifically? Time to do a little dreaming!Read More...
Wil check that out. Thanks, BeckAtsillaRead More...
Check out Fresh Tracks Canada. They're a train travel agency in Canada that made my wildest dreams come true when I went to Montreal and Quebec. They have a cross-country trip option, but that's out of my price range.Read More...
Last Reply By sthom · First Unread Post
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Son has gotten himself into a credit card mess!

Forum: Debt
PS
Hi there all! New year, new member! I am writing for advice on how best to help my young adult son navigate his way out of $4,000 worth of credit card debt. If you have been , or know someone who has been in this situation, what strategy worked for you/them? What do you all feel about debt consolidation loans? We really need help directing him as the stress of this debt is causing him some major anxiety and panic attacks. Any suggestions/advice would be greatly appreciated!Read More...

Gig Work Taking Property Photos in the US

Forum: Make Money
Luke Tomaszewski
ProxyPics is the perfect side hustle. People in different industries need up to date photos of properties. Kind of like Uber for photos; we let you know when there's a job near you and you get paid to take the photo! Get paid $3.25 for each photo you take, most assignments have more than one photo and some come with short surveys. We have clients that have work all across the country, it’s easy and free to download on Google Play or iOS.Read More...

Student loans

Forum: Debt
Rehemom4
Does anyone have advice for out of control student loan debt? I can’t afford the monthly payment no matter what plan they offer.Read More...
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