Latest Buzz

Legitimate Work from Home

Forum: Make Money
Robyn Garrett
Hey all, I am looking for a legitimate work from home gig. I have lupus so it's hard for me to keep a part-time out of the home position. Not looking to do surveys, looking for admin work, i.e., typing documents, data entry etc. Does anyone have any info that would be helpful? Thanks! RobynRead More...

How to get a cheaper cell phone

Forum: Save Money
I would appreciate suggestions on how to have a cheaper Smart Phone. Mine is costing me 100.00 or more a month. Only $13.00 of that is the monthly phone payment. Because of my location I am limited to US cellular or similar for Northeast Iowa.Read More...
I use A T & T for my iPhone which is paid off, and my mom gave me for free. It's a 6, but hey it's paid off! I pay $43 a month, taxes included, since I have a pre-paid plan. Before I was paying around $75-80 a month, which was just way too much money.Read More...
Tello-$9-$40. use your existing phone or pick up a refurbished new unit to save money. This new service is the cheapest that I have seen. Not sure of coverage areas.Read More...
Last Reply By lismox · First Unread Post

Prime discount for vets

Forum: Save Money
Amazon has a Veteran's Day special going--$79 a year for Prime if you're a vet. Existing Prime members can apply. If you order from Amazon or shop at Whole Foods frequently this could be a good deal. Fun fact: The Army has more planes than the Air Force and more ships than the Navy. Hooah!Read More...
Fun Fact: Who would have ever expected that?Read More...
Last Reply By MsKimberly · First Unread Post

want to build credit

Katie J.
My husband and I have been living in a house bought my parents bought, while we pay monthly rent. This was because we were struggling financially and had poor credit. We are now at a point where our credit is much better and are almost debt free. Our current credit scores are much improved, but are lower than they could be due to the fact that we don't have any real estate payment history. We would like to get into a larger home and better school district within 8-12 months. So my question...Read More...
Your best bet would be to talk with a mortgage lender or several to see how your situation would be viewed.Read More...
I'm in the real estate business. First off, applying for a mortgage will hit your credit, but isn't considered negative unless you can't quality. Ask around for a good lender in your area and call them. Any lender worth his weight can discuss loan options WITHOUT running your credit. If you don't know your score, use a service like Credit karma to get your scores. That way you can give the lender an idea if where you are. If it makes sense financially, do it.Read More...
Last Reply By RayB · First Unread Post

education

Forum: Retirement
Susan Lucas
Is there free tuition for seniors?Read More...
Check out this article on this site (Pennyhoarder): https://www.thepennyhoarder.co...for-senior-citizens/Read More...
I think Clark Howard has a list of places that offer free classes to seniors. I wish that going back to school for adults was less expensive! I have been toying around with going back as I can't find work with a criminal justice degree.Read More...
Last Reply By sthom · First Unread Post

Where to put my retirement moolah

Forum: Retirement
Umleitungme
My husband and I both have retirement accounts: 401K's, Roth IRA, Gold IRA. We are in a good place financially but have a lot of questions. Where to put our retirement dollars! The Gold has lost 33% of it's value in the last 10 years. The 401K's have lost approximately $1000. per month for the last 18 months. The only one seemingly promising is the Roth IRA. What to do? Put all eggs in one basket or keep diversifying? I'm to the point of putting all my money under the mattress!Read More...
Thanks Mintjulep and Tekkiechikk for your input. We have contacted the Dave Ramsey website for advise. They have '7 Baby Steps' that might help us decide.Read More...
I would think that at your age you'd want a conservative portfolio, especially if you are already in a 'good place financially' as you state. I would avoid high risk- I'm 56 and over the last 25+ years I've modified my portfolio from one of high risk to moderate/moderate conservative. Sure, I'm not making a huge amount every time the stock market skyrockets- but I'm also not losing that, either. Currently I have 65% of my personal retirement in a 60/40 balanced stock & bond index fund...Read More...
Last Reply By Umleitungme · First Unread Post

Happy November!

Ashlee
We’ve made it to the end of the week and the start of a new month Penny Hoarders! Who here can’t believe it’s already November? 😳 This week I want to know if you’re a planner or a procrastinator… Do you start planning and budgeting now for holiday purchases or wait until the last minute? What about your New Year’s resolutions? And now for this week’s announcements… We just hit a HUGE milestone Penny Hoarders… 10,000 community members! Join us in a celebratory happy dance, then go check out...Read More...
@Susan L. Miller We have used Freecycle off and on for years. We got the foot and headboards for our queen-sized bed through the program. We have seen many items we no longer use go to other homes that would use them and recommend it heartily! We have also used our "Marketplace" here in our area on Facebook to buy and sell things. There are so many ways to go and programs to use! Happy selling...and as one of our mentors says "Think..and grow RICH!"Read More...
I'm not sure how many were here when I joined the Penny Hoarder Community, but I do know that it seems as if we've grown by leaps and bounds. I've met some interesting people and like having information and ideas coming in! May we continue to grow in numbers as well as in wealth.Read More...
Last Reply By AverageJoe · First Unread Post

Anyone else having issues with Acorns?

Forum: Investment
fauna
I recently signed up with Acorns to invest my change (small unmissed change right). It's been OVER a week and still haven't been able to get completely set up. The page that comes up when you open app "personal information", asks for just that. But I fill it out & hit next to continue & window pops up that says " Something went wrong. Please try again in a few minutes". Well, that was over a week ago & still trying. They have no customer service number on there that I could see.Read More...
Hi @fauna ! Were you able to get in touch with Acorns' customer service team for help with the sign up process?Read More...
I've called Acorns customer support before. The number I used is: (855) 739-2859. And for what it's worth I really love this app. It's helped me save money in an investment account and an IRA. Good luck!Read More...
Last Reply By Ashlee · First Unread Post

Any tree huggers or anyone who supports sustainability?

Thinking of forming a small group to share best practices on saving trees, living sustainably, etc. Reply here if you're interested to be a part.Read More...
Hi @Vivian T. Pham - I created a community for us. Going to see if we find more people https://stopjunkmail.tribe.so/Read More...
YES! I'm interested in learning how to compost and get closer to producing zero waste overallRead More...
Last Reply By adcf292 · First Unread Post

Fed cut rates again! Anyone taking advantage?

Forum: Banking
Theodora
Penny Hoarders, are any of you modifying your personal finance strategies to take advantage of this additional rate cut?Read More...
The rate cut affects short term debt such as home equity lines of credit , credit cards , and auto loans. P.S. The rates are estimated to continue to lower throughout the next year.....Read More...
@sthom That is smart! I hadn't thought about that but that could really help some people out. @E Allen I have been listing to some Rich Dad podcasts lately and he is constantly saying it is basically futile to save money with the current interest rates. Because while saving money and earning a small amount of interest, you are losing more than that to inflation. I am personally considering investing in some gold and silver.Read More...
Last Reply By Stef Genius · First Unread Post

how to make money?

Forum: Make Money
Noury Karima
Hello everyone, im very glad to be appart of this community but i would like to get a little help from you. i have no degree, worked for 2 years in a company and go out with nothing i am a musician but it doesnt pay off in my country so i would like to know how to proceed if i want to make money not to travel or anything but to live. thanksRead More...
For immediate needs, check out rat race rebellion OR Indeed. Christopher Binns is right- take stock of your skills and talents. I'm not sure where you are located but it's the holiday season- I'm sure a lot of people need help.Read More...
Take stalk of your skills and abilities. Start looking for people and places that could use your skills. This strategy might not be good in the short term. Short term goal: find something to keep you going in your search. No job is beneath anyone. Approach a job and making money as a journey. There will be low points and high points. Make sure you take care of your immediate needs now, and work on improving your prospects over time. Here is a little secret... You will find something amazing...Read More...
Last Reply By Misty · First Unread Post

BROWSER EXTENSIONS

Forum: Save Money
Debbie Carr Oliver
Can those browser extensions i.e. Chrome, Honey, Amazon Assistant, be downloaded to a smartphone or do they only work on a computer? I've tried using Honey on my phone and it didn't work & I couldn't find any info as to whether they were only designed to work on computers.Read More...
@Debbie Carr Olivier You are very welcome!Read More...
Thanks! Debbie Oliver On Sun, Nov 3, 2019, 9:02 AM The Penny Hoarder Community, < [email protected]> wrote:Read More...
Last Reply By MsKimberly · First Unread Post

How do I keep myself afloat?

DailyGrind
In June, I lost my job and had to survive on less than 2 months worth of severance. I have: $51,000 in credit card debt; $165,000 in student loans; and $6,200 owed to friends/family. I owe myself almost $4,000 from my retirement fund. Prior to getting laid off, I was already falling behind on rent and was taken to court by my former landlord so I moved to a cheaper apartment. Unemployment benefits were hardly enough to cover my rent, never mind my other living expenses (e.g. food,...Read More...
I'm real sorry to hear about your situation. Best bet is bankruptcy and try living way under your means. If your 165K into school debt than the last thing you need is a dog. Life is hard but it's the sacrifices you need to make to recover and be on top.Read More...
I agree with the others. Looking into bankruptcy may make the most sense for you. If you can take on any side gigs that might help too - check out the Pennyhoarder's side gig site: Pennyhoarder side gigs , Craigslist, or any number of other sites. I have done all kinds of extra work from jobs I found on Craigslist including focus groups.Read More...
Last Reply By Billy Brown · First Unread Post

Anyone heard of MailRT mobile app that gives you rewards for junk mail?

Forum: Make Money
Saw a tweet coming in and found it interesting.Read More...
@Alisha James - i think they haven't launched yet. cannot wait as I get so much junk mail.Read More...
I'm not finding it in Google Apps. Not sure its legit or maybe its just spelled incorrectly.Read More...
Last Reply By adcf292 · First Unread Post

Mortgage Refinance

Forum: Debt
charlottel
I purchased my townhome in Sept. 2018 and my interest rate is 4.875%. Should I look at refinancing since interest rates have dropped some or is it too soon?Read More...
@stefgenius Thank you I will definitely check them outRead More...
I bought my house in Dec of 2018 with an interest rate of 5.1%!! I'm refinancing at 3.2% right now. Remember that dealing with a lender is like dealing with a car salesman: negotiate, negotiate, negotiate. Lenders will give you 3.75% right now, but you can go as low as 3.2% B of A has a grant that covers *non-recurring* closing costs ( title insurance, fees, etc ).Read More...
Last Reply By charlottel · First Unread Post

Fed up with Credit Issues!

Forum: Credit
M Christina Byrd
Ok folks. I'm finally trying to be an adult and fix my credit. I've been paying down debt and have signed up for apps like Digit, Truebill, and Credit Sesame. I have called and made payment arrangements with most of my debtors. I recently got an alert saying "Great! You've paid down your debt! Keep going!" And then, my score dropped 45 points! Grrrr! I paid off another account and it dropped an additonal 28 points! I'm not understanding why this is happening, except for the fact that my...Read More...
My score a year ago was in the 500 low range. I use the site credit karma for looking at score and other stuff. I got myself a secured credit card for $200 and my score dropped. Frustration set in more ever time I paid a bit more of my debt away. I don't even look at it anymore. When using credit cards don't use a lot of its money and always pay back in full. Your score will go upRead More...
When I paid off my car loan my score dropped as well. But dont worry about your score if you are paying interested on debt. Thats the more pressing issue. Congrats on your steps to getting rid of that bad debt though. You are heading in the right direction, regardless of what a credit scoring model says.Read More...
Last Reply By Deborah A Charrette · First Unread Post

Main drain clogged

Forum: Save Money
Don Rotanz
Here is a money saving idea that has saved me hundreds of dollars. Main sewer line is clogged and plumber wants at lease $150 just to come out. Open up the cleanout or vent and slowly push the disc (which is attached to a handle) all the way to the bottom and pull up really fast. I have cleaned out 3 main drains within seconds using this. Good luck, DonRead More...
@Don Rotanz Anything that will help one to stop them from paying out money they need not pay to someone else is money they can invest in their retirement, their emergency fund or elsewhere. The Penny Hoarder Community is exactly what this is all about, so thanks!Read More...
Yes, I have used this approach many times. It's a great way to keep the drains clean. My neighbor uses vinegar and baking soda several times a week and at times I pipe cleaner. They're not always as effective as your method. So you've brought us a great idea. Thanks.Read More...
Last Reply By AverageJoe · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday Penny Hoarders! We finally got a taste of fall weather earlier this week here in Florida. It didn’t last long, but made me think of my favorite things about this time of year. What are some of your favorite budget friendly fall activities? Growing up in the Pacific Northwest, I love apple picking and pumpkin patches. And now for this week’s announcements… Thank you again to everyone who participated in our member survey, your feedback is invaluable! Join me in giving a shout out...Read More...
@Marsha Scott You are definitely right when you say that it's hard to get by on what Social Security pays out. I have my wife's income to depend on as well, but my SSDI is hardly helpful in maintaining everything. We both have prescriptions and need to take several supplements on top of these. We sometimes feel like we should be investing in Pharmaceutical companies! There are many ways to save on many of these medications. Many times your pharmacist will be able to assist you in finding...Read More...
@Monica McAfee Hi Monica! Welcome! I hope we can all be of help to you. Surely, you must have some great ideas, too.Read More...
Last Reply By AverageJoe · First Unread Post

Acorns

Forum: Save Money
Patti Weaver
I’ve been investing with Acorns for over a year now. It’s easy fun and takes the stress out of saving money as it’s done for you. Start saving for that rainy day.Read More...
The thing I like about Ibotta is that sometimes I get free stuff to try or almost free or even partly free that I wouldn't have tried. I don't buy a lot of name brand stuff but I cashed out $20 at a time multiple times. There are other apps that I don't care for. We each are entitled to our own opinions and Ibotta works for me!Read More...
13 investment apps is a lot to keep track of. Oh my gosh!Read More...
Last Reply By Dipat · First Unread Post

Website called Fundrise

Forum: Investment
I'm new to investing. As in, I want to start. I don't totally trust big companies like Wells Fargo and was reading on here about a website called Fundrise. Has anyone used this? Is it a legit site? I feel more comfortable using that type of investing. Any help would be appreciated!Read More...
I am so sorry...I don't have that information yet. I've been looking for that kind of thing myself. It's one of the things that I have been holding out for before I invest in them. You could write their investment counsellors and they could probably give you that information. Hope that helps. I'm still waiting for them to answer.Read More...
Yes Thank you for the info but I was thinking more in terms of investor profits vs company profits.Read More...
Last Reply By AverageJoe · First Unread Post

How I'm Making Money on Poshmark

Forum: Make Money
I previously commented in the side hustle post about selling on Poshmark. I'm currently am selling maternity clothes that I recently stopped wearing and I bought a box of returned Amazon clothes from Liquidation.com for $300 with shipping. In just a few weeks I've made $180. I had no sales the week of Christmas, but they seem to be picking back up. So far, I've made $110 off my maternity clothes and $70 off of 3 items from the Amazon returns. I've been slow to post pictures on Poshmark due...Read More...
@Cathy927 The youth these days seem to be more on top of the net than most of us old-timers. I've got neighbors whose children sell more on Poshmark than most people sell at a yard sale. I never knew there was such a place until one of my nieces told us she sold some of her clothes there. She made more in one week than she had made at her regular place of employment. It was hard to believe until I saw it for myself.Read More...
My granddaughter, came out of her bedroom the other evening with things she sold on Poshmark. I had no clue what that was. I always sold on Ebay. The girl is 17 years old selling her clothes and going to Goodwill and buying more to sell. She is making more than if she worked at a fastfood place. She is now giving me advice! And good advice also! Using her iphone6. Happy Poshing Crystal!Read More...
Last Reply By AverageJoe · First Unread Post

Amazon credit

Hi all! With the holidays just around the corner--was it lobotomize the turkey, leave out beer for the Great Pumpkin, and carve Santa--I get confused ;), I wanted to share some ways I managed to save money on Amazon. There's an app called S'more, and it gives you 10 cents minimum in credit a day just for having it on the phone. There are some other ways to earn money on S'more, but this one is pretty easy. If you can tolerate 10-minute surveys, QuickThoughts pays $1 in Amazon credit for each...Read More...
I have seen advertisements for this app and have used a similar app in the past. I personally prefer not to give up my lock screen as it gets a little cluttered for me but it is definitely a great way for someone to earn a little extra for the upcoming holiday season! I do however use quite a few other apps that allow me to earn money in exchange for gift cards. One even that just runs in the background and I collect points that every so many weeks I can trade for gift cards. The Penny...Read More...
That is awesome you were able to earn enough to help with the cost of holiday gifts @BeckAtsila ! I had never heard of this app before, it sounds really interesting if you don't mind giving up your lock screen.Read More...
Last Reply By Moore Income · First Unread Post

Question about life insurance

Forum: Insurance
I'm 48 and have a 10 year term life policy that will expire in the next year or two. I know I'm going to pay more premiums as I get older so would it be a good idea to get a new policy now or wait until it expires and see if I can get a deal by re-upping with the same company?Read More...
That's a good question. I would say you would probably do well to start exploring your options now. As you mentioned, premiums only go up with time and you can get a better idea now by looking at what other offers are available. Also, it might be helpful when you sit down with your current life insurance company to have some other alternatives you have explored. If the company you are with views you as a valuable client, they will do everything they can to keep your business and knowing...Read More...
Last Reply By Moore Income · First Unread Post
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