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I have to admit, I do that rather often. Because people's ignorance can really be astonishing sometimes. The problem with " Common Sense " is that it's not that common anymore at all. Ignorance often ends in accidents, or irritation or damage of some kind. With regard to acts of ignorance, I sometimes wonder how we made it as a species this far? Like this morning, I noticed a truck attempting to reverse into a rather tiny goods delivery entrance lane. The truck driver was completely in the...Read More...
DEON CHRISTIE we have a Sam Club here you can buy in bulk but you have to pay $40 for a membership for the year.Read More...
For me it's a shop called Makro @Bonnie Squires . Where you can buy in bulk with rather large savings. I save almost 45% on my groceries considering quantity. Which makes it easier to not having to buy groceries as such every month. Apart from the everyday items like bread, milk and fresh veggies.Read More...
DEON CHRISTIE had allot of store open 24 hours. KS only one i know of is Walmart. We shop there a couple times a month and than i do most of our shopping where we use to live because our son still works there and the market here and dollar general here.Read More...
Me too @Bonnie Squires . Although shops are not open at that time in South Africa. I am in front of the doors at 08:00 though, and the first one in. That way I'm done and on my way home within 90 minutes tops...lol!Read More...
Last Reply By Bonnie Squires · First Unread Post
For me the one superstition in particular is walking under a stepladder. I would climb over the ladder or even walk around a building to avoid going under a stepladder. It is believed to be bad luck going under a stepladder. But I don't think it's the bad luck part that have me not walking under a stepladder, or at least not the only reason. Because it is also dangerous going under a stepladder especially when people are working. Tools and equipment can fall and cause serious injury. Are you...Read More...
DEON CHRISTIE yep thats what i was told.Read More...
I knew there was something with itching hands @Bonnie Squires . Although I had my wires crossed and thought one meant getting money. And the other to be spending money...lol!Read More...
DEON CHRISTIE i'll pick up the coin. Another one my mom would say is if your left had itches it means your getting money right hand means company. Not sure if there any truth to this.Read More...
I would be the one taking my chances with the street @Moore Income ...lol! I am a little superstitious I have to admit. But not to the " Obsessed " level though. Just for personal reference...lol!Read More...
Last Reply By Bonnie Squires · First Unread Post

What social media site you use or are on?

Forum: Book Club
Bonnie Squires
Hello every one. I was wondering what social media site you use or are on. How do you use your social media accounts? I've twitter which i've not used in a long time. Facebook I use at least once a day or more for family and friends and use to use it for business. Linkedin I don't use to much. I know there a couple other ones just can't think of them.Read More...
DEON CHRISTIE thats goodRead More...
It's quite hard to keep up @Bonnie Squires . Which is why I use auto posting tools like Buffer. But I have a lot of work before my next post scheduling period.Read More...
@Moore Income I know i'm on some of the ones you listed just can't remember. I just figured because I've not started any thing I'm not active but now I'm thinking I should be more active on the other sites.Read More...
All of the above @Moore Income , with exclusion to " MeetUm ". Not quite familiar with that one. Although I do use Facebook, Twitter, LinkedIn, YouTube and recently The Penny Hoarder much more. And I have to agree, the Penny Hoarder is the one I spend most time with. Such an active audience I have to admit.Read More...
Last Reply By Bonnie Squires · First Unread Post

Raising Credit Score

Forum: Debt
Wen Dee
I am trying to find out which way is best to build up my credit score..... 1. Pay off about $2,000 in medical bills or 2. Open 2-3 Secured Credit Cards, charge 30% of the card limit and pay it off in full each month? Any advice is greatly welcomed.Read More...

I am new at this. My posts are not being published.

Forum: FAQ
MsKimberly
I am new at this. My posts are not being published. Who do I contact?Read More...
@MsKimberly glad to see your posts are now being published and you have become an active and helpful member of the community!Read More...
Thank you so much. I appreciate your help.Read More...
@MsKimberly Posts will go first to the admins for review. This is so they can make sure everyone is posting quality content. After that, they will publish your post and it will be active on the site. The admins are pretty busy so it may take some time for them to be active but they will get to it, and it will get posted so long as it adheres to the guidelines. If you have any specific questions you can reach out to @Melissa or @Briana or you can post them here and I will do my best to answer...Read More...
You can contact @Briana . She is part of admin and helped me a lot @MsKimberly .Read More...
Last Reply By Moore Income · First Unread Post
Opportunity to be featured in a Penny Hoarder article Have you found a personal loan through the Fiona marketplace (by Even Financial)? We'd love to hear about your experience. What'd the loan help you accomplish? By responding to this request, you are OK with your full name being used in an article by The Penny Hoarder and you are available to be contacted for further information regarding your experiences.Read More...
@Briana I personally do not have experience getting a loan through them. I did however go through the initial process but I did get a little confused when they redirected me and I got quite a few emails that confused me a bit more.Read More...
Last Reply By Moore Income · First Unread Post

coming out of my shell

don't really know how to talk to people when it comes to anything about my lifeRead More...
@collins Crystal, you are taking the first step by being on this forum. I know it can be uncomfortable at first talking to complete strangers, but I have found that when you reach out and genuinely take an interest in others, conversation begins to come naturally. As you talk to people, you will find times when you may have a life experience that would be helpful in the conversation, by sharing your life experience you bring value to the conversation and it can be extremely helpful. If there...Read More...
COLLINS Crystal just say what you want. Like you was talking to a friend or family member. We all have good times and bad times in our life and its good to share.Read More...
Last Reply By Moore Income · First Unread Post
I have only been to different destinations in Africa. Haven't left the continent...yet...lol! But I did enjoy both Zimbabwe and Botswana. The latter in particular. Such a peaceful place. From Gaborone to Kasane is basically the entire Botswana. With Kasane in the heart of the Okavango Delta. In other words a Paradise. Where wildlife is highly valued and nurtured. We had awesome game drives and even heard of buffalo passing through our tented accommodation. A rather exhilarating experience I...Read More...
@J Glenn Bryant thank you for your service! The military does offer a great opportunity to travel in some cases. It sounds like you have done pretty well for yourself financially and rewarding yourself by traveling is a great option! What were some of your favorite spots that you visited or some places on your bucket list?Read More...
J GLENN BRYANT thank you for your service. When bitcoin first came out i though it was just another scam and didn't invest in it now i'm kicking myself in the butt for it.Read More...
I can only imagine the knowledge you've gained @J Glenn Bryant . That's quite a profit you had there, well done!Read More...
I served in the USMC for 12 years. I have been all through Central & South America, West Africa, the Orient & Central Asia. I loved that part with the service, I could have enjoyed it more if I wasn't there to perform my MOS each time. (8654) I look forward to traveling again soon. I'm 52, house is paid in full, along with the car, the truck, my Roth is current & fully funded, I had invested money from an inheritance ( which my ex wife scolded me over) I bought 850 BITCOIN back...Read More...
Last Reply By Moore Income · First Unread Post

hello

Hi! I'm Crystal from Johnson City NY. I'm a stay at home mom that loves to save money, couponing & contesting (sweepstakes). My goals are to live debt-free while life keeps sending us curveballs that use up all our savings so that we need to start again . I like to save money for camping & travelling too. also doing arts and crafts with my kidsRead More...
Hi @collins nice to meet you and glad you are a part of this community! You have definitely come to the right place that aligns with your goals. I hope you find a lot of value from this community and I look forward to the knowledge you have to share as well! If you have any questions or if I can be of help in any way, please don't hesitate to let me know!Read More...
COLLINS nice to meet you Crystal. How many kids do you have and what kind of crafts do you like doing? All most all our kids are grown now. We have 8 and expecting our 6th grand child in NovemberRead More...
Last Reply By Moore Income · First Unread Post

What was your biggest challenge getting started online?

Deon Christie
It all started with a single email, and I will never forget the system. Click Cash Commissions was some sort of code to enter on your website or blog. And at the time I didn't even have a blog. Needless to say it didn't really work for me, but it did however spark a curiosity rather unexpected. Allow me to add, I knew nothing about anything online marketing. But the claims looked promising. Therefore my biggest challenge was choosing a niche I knew nothing about. And had really limited PC...Read More...

Expectation or planning, which is more important?

Deon Christie
Expectation has ruined more dreams than fear ever will. Fear of failure when in fact you never really fail but rather learn a lesson and gather knowledge. Especially with making money online, expectation often far exceeds actual reward. When planning is so much more important. Plan specific tasks for a specific result and get a system in place. Allocate certain tasks for certain days and stop expecting unrealistic results. You need to find and build your online structure. Personally I use...Read More...
And you're quite right @Moore Income . It is rather important to see results, although results are not necessarily always in the money. Therefore I do agree that the two does go hand in hand. Which is why mindset is so important.Read More...
When it comes to business and finances in general, I believe it all comes down to mindset. I do think things need to be well planned out but as part of planning, I think it is important to also expect to see results. If you fail to plan you are planning to fail, but also, if you aim for nothing, you will hit it every time! I would say that the two could possibly go hand in hand.Read More...
DEON CHRISTIE instead of saying expectation or planning. I like to set goals for the day,week,month. I make a list of what I want to get done today and check them off at the end of the day. Same with the week and MonthRead More...
Last Reply By Deon Christie · First Unread Post
What did you do to make money online? My first online money maker was selling things around the house that i didn't need any more. I sold on ebay and made about $300 and I was hooked on it. After that I started looking for more things to sell on ebay. So i started selling 4000 recipes i brought with resell rites. I made my money plus so much more on there. That I just looked for more to sell on ebay. I didn't make a hole lot but it got us threw the last 2 weeks of the month.Read More...

The Community is Growing!

Moore Income
When I joined the community a little less than a month ago, there were somewhere between 300-400 members in this community. Now I checked and there are 1,402 as of when I am writing this! That's over 1,000 new members in less than 1 month! I don't know about you but I find that pretty exciting! I have already learned so much from other people sharing their experiences and have met quite a few great people as well! My goal here is to share as much value as I can with fellow members and also...Read More...
We are over half way to the 3K milestone! Invite your friends and let's keep this community growing!Read More...
Welcome to all our newest members! You guys have helped us achieve the 2K Member Milestone so way to go! @Breezyhollywood D Hollywood | @David Fitzgerald | @Dylan Prince @DottieRose | @Lyonni | @Martini | @Kim O. @Jody Smith | @annaii | @Sharon Norberg | @Marquese king @Judy720 | @Rwebster | @Ashley13 | @Scoop Be sure to introduce yourself and invite all your friends so we can keep growing this community!Read More...
Welcome every one.Read More...
Just wanted to give a warm shout out welcome to our newest members! @Nick @otmcfadden @Kathryn Knisley @Steph13 @Desiree Elaine @mgraff3 @Tabitha Payne @Jeanine Beghtol @Mary B @cherryk425 @Sub007 @Mike C @Stefany Corpeno @Daniel Garcia @EJS Would love to know more about you and your story! Feel free to share with us here! And once again, WELCOME aboard!Read More...
Last Reply By Moore Income · First Unread Post
The one difference between success and failure. Lies between those that kept going and the ones that stopped. It is the only time that you really fail, and that's when you stop believing in yourself. The rest is nothing but lessons learned and knowledge gained. Which really is just opportunity in disguise. But chasing your dreams must also be objective. And unrealistic result expectations often leads to desperation. Which has killed more dreams than anything else. Some goals take a lot more...Read More...
DEON CHRISTIE so very trueRead More...
The only time you really fail is when you give up @Bonnie Squires . I'm the same. In fact it's my stubbornness that got me this far. Because when I decide to accomplish something I don't stop until it's done. Nothing is impossible. Some things just take longer to achieve than others.Read More...
DEON CHRISTIE once i learn some thing and its making me money. Than i try to learn some thing else to bring in more income but i don't give up easy. If you give up than you sunk yourself to fail and not keep going on.Read More...
Last Reply By Bonnie Squires · First Unread Post

Who wants to be the new Member of the Month?

Melissa
Hey there, everyone! Can you believe it is almost halfway through March? This year is flying by. We did peek at the standings for who may become the new MEMBER OF THE MONTH. :) Remember, the winner will receive a $25 gift card of their choosing. We calculate the winner based upon the most engagement - helpful comments, likes on topics, and an overall friendly face in the community. Everyone is doing fantastic, keep up the great work!Read More...
DEON CHRISTIE so very true. I do really enjoy this site and learning new things.Read More...
That I did @Bonnie Squires . But I notice you keeping up...hehe. I think @Moore Income is a little too far ahead to catch...lol! As a tip, I find that posting topics and questions contribute nicely to points. Or rather the engagement on those posts.Read More...
DEON CHRISTIE so very true what you said. Because if you don't like what your doing your bound to fail at. Oh I see you took over 3rd place.Read More...
There are so many options @Pauly1740 . You want to start with what you love doing most. And then build from there.Read More...
Last Reply By Bonnie Squires · First Unread Post

Have you watched Game of Thrones and Vikings?

Deon Christie
My two absolute favorite ongoing series. So much so it did result in me neglecting my PC just a little (on several occasions). The added advantage for me is the way they speak English. Especially in these kinds of stories. I find it often showing up in the way I write. And I have to admit...I find the Dragons fascinating. Which is also why Merlin is another favorite along with Gladiator. I have a thing for the " Old Myths " and " Ancient History " stories. And of all the Penny Hoarders I...Read More...
That they do @Bonnie Squires . I still prefer Netflix though.Read More...
DEON CHRISTIE sounds interesting i'll look and see if they still have it. Netflix does take some show off there programming list.Read More...
I have Netflix @Bonnie Squires . I'll definitely take a look. I thought of another one I watched a while ago. Called " White Collar ". Where the government make use of a professional art thieve. With an outstanding end twist.Read More...
DEON CHRISTIE sounds interesting Strike Back I'll have to look it up. The Black List has so many twist and turns to it. The government is working with a know criminal . He high on the FBI list . Its a good show. You might want to watch it. I know its on Netflix but the new season with be on till Sep. I can't wait to watch it.Read More...
Last Reply By Deon Christie · First Unread Post

What to do with this site.

Bonnie Squires
Hello every one I've had this site since about 2007. When I had a domain for it I was making about $50. The site is free but it does have art now on it I can pay extra so there name isn't on it. This site is a personalized site for tee shirts,key chains, mugs and so much more. Only thing is it takes a month for the person to get the items. I was thinking about giving it another try but i think the site needs a hole new look. I all so get points for people making there own website which i can...Read More...

Do you have the right settings?

Melissa
Hi all! We wanted to let you in on a little secret....it's about your notification settings. We don't want your email inboxes to be stuffed full with notifications that are not helpful to you, so here comes the secret. We have two amazing newsletters you can sign up for: The Daily Digest and The Weekly Digest . The Daily contains all of the posts (and replies, if you would like them) from the day prior. The Weekly has a bundle of the posts from the past week. To make sure you are signed up...Read More...
Thanks for sharing @Melissa . I have just applied your advice. The emails was getting rather many I must say. Such an active audience!Read More...
Hi Penny Hoarder! I just read your article about 32 ways to make money at home and I loved it. Always looking for new ways to make save or invest money. Thanks.Read More...
I just read your article on 32 ways to make money at home and I loved it! I learned so much Penny Hoarder. Peace.Read More...
Thanks for the info!Read More...
Last Reply By Deon Christie · First Unread Post

Google+ is shutting down?

Deon Christie
Does anyone know anything about this? I read on Business-Insider that Google+ is shutting down as a result of a bug. This is going to have a serious impact because my Google+ Profile with Communities and Collections was SO much work!Read More...
Thanks for sharing @Moore Income . I was kind of hoping it wasn't true. Did quite a bit of work with Google+ Communities and Collections. Much like Facebook Pages and Groups. Luckily the content is mostly blog posts and videos I shared.Read More...
There was a rumor of this for some time but it was a while back that they actually announced to the public that they were shutting down. Google was just never able to get the site where it needed to be and their user base was almost non-existent over the past few years. Then with all the recent buzz about privacy issues with social media networks, Google had to admit that they were experiencing some concerns as well and rather than spend the money and effort to try and fix them, they decided...Read More...
@Deon Christie I totally understandRead More...
Thanks @Bonnie Squires . I was kind of hoping it wasn't the case. Put quite a bit of work into building Google+ Communities and Collections. I'm hoping it would just change into something new so we don't lose all that hard work.Read More...
Last Reply By Deon Christie · First Unread Post

MYSTERY SHOPPING

Forum: Make Money
Pauly1740
I just received a postal envelope with a check from a company called "Bray Shopper Mystery Shopper with directions to send an email when I got the package. I googled the company and I am not convinced that this is a legit opportunity to do mystery shopping. Does anyone here know anything about "Bray Shopper Mystery shopping" ??Read More...

How did you get started working towards your financial goals?

Briana
Learning about how to manage your finances is hard! Today, we are inundated with tons of personal finance content - do this, don't spend that - but what's the right advice? Where do we start? For me -- it's the whole "pay yourself first method," which is exactly what I've started doing to start building a savings (and travel fund!) Each paycheck, I'm intentionally depositing a portion of each check into my savings account - that I'm not allowed to touch. Instead of going out to eat numerous...Read More...
And a very effective way of saving @Briana . I do the same with regards to savings and emergency funds. But that is placed aside and cannot be accessed easily. I have saved up for many things this way, because I don't like accounts. Apart from mortgage, insurances and the really necessary stuff. But I never buy appliances, linen, clothes etc through accounts. You save quite a bit on interest costs this way.Read More...
I've $1,000 in the bank and each friday will add $10 to this. I've paid 2 credit cards off with my tax returns and I'm using the money from those monthly payments to pay off other credit cards I'm all so working on my website and selling flash cards,puzzles and other things like that to home school teachers. All so I'll be making candy wrappers. I'm all so looking into selling mugs my be other things. Most will be down loads so no going to the post office. This money will be used to pay off...Read More...
I went through a time where life just turned upside down, and I realized that I needed to make some significant financial changes. Its amazing how I was 'struggling' when there was 3 times the money I make now, coming into the house. I did a complete overhaul of my expenses and cut out what was not necessary. It was brutal, but good! I did 'no spend' months, set up several different accounts for savings, and budgeted. I got rid of all credit cards for 5 years and lived only on what I made. I...Read More...
I love Stash! It's helping me save for my Greece trip right now too. I want to check out this "More for Less" cookbook -- I've been searching for something exactly like this so thank you for the recommendation! If you have any money-saving travel tips, feel free to share! I'd love to hear them =)Read More...
Last Reply By Deon Christie · First Unread Post

For Richer or Poorer: Share Your Thoughts on Joint Finances

Forum: Budgeting
ERoberts
I know that it is customary to join bank accounts after saying, "I do"...but what about for those who don't want to? Marriage isn't on the horizon for me anytime soon, but I am curious about how your relationship with your partner and your money changes after deciding to join forces. I have a few questions, too: Do you take on your partners debts? Does this affect your credit score? How do you justify purchases that your partner does not support? I want to hear the good, bad, and the ugly. GO!Read More...
Video has taken YouTube to the Second Largest Search Engine position. Second only to Google who owns YouTube. In position 3 is Facebook, who also now started getting in on video action. Because you can also upload your videos to Facebook. But we all have different preference when researching. But I do believe we all use a balance of the two, being reading and watching videos. Personally I prefer watching a video to follow steps or guidelines. Which do you prefer, a 1000 word article or a 3...Read More...
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