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Let’s Talk Blogging!

Forum: Make Money
MiniPantherMom
How many of you Penny Hoarders have a blog? I’ve been interested in getting into blogging for quite some time now, but am stuck on choosing my niche. I’m a single young adult, and I think a blog on saving money /lifestyle blog geared towards other single young adults would be really cool. I love reading any and all money saving and money making blogs, but sifting through ways to save on diapers and budgeting for meals of families of 5 can get a little old 😛 If you are/were a single young...Read More...

Let's talk WordPress plugins with a dash of Google

Deon Christie
What are plugins and why are they important with professional blogging? Plugins are blogging tools and simplifies most of the more technical tasks with blogging. Like SEO (which is a nightmare to newbies), and https protocol issues which can make potential subscribers feel unsafe. But each plugin has a specific purpose, and the key is to use them in order to achieve a certain result. Or perform a specific task, like in post banner displays. How do plugins influence Google? Google is the...Read More...

Best On Line Savings/Money Market Accounts

Forum: Banking
Lucy
Does anyone have good input on regarding on line savings/money market accounts? Love to here your feedback. Thank you!Read More...
Thanks for sharing such a comprehensive list! I did check on the DCU website and it does actually say there is a $5 minimum. Not that it makes a huge difference but just sharing what I saw. I have also used Aspiration which pays a 1% APY with no minimum or fees. I am also trying out the Haven Money savings account which pays 2% APY and up to 4% if you refer enough people.Read More...
OMG I JUST FOUND THIS!! https://www.t-mobilemoney.com/en/home.html 4.00% APY under $3000 and the following requirments Have tmobile wireless account deposit $200/month sign up for tmobile perks Now with these stipulations you can max. your money. See the secenarios below. T-Mobile Money states you will make 4.00 APY if you have the fall in line within the 3 listing eligibities above. If you go over the $3,000. this means that the $3,000 will make anywhere between 2.79-4% APY and anything...Read More...
Thanks for the great info! These on line banks definitely beat traditional store front banks as far as interest. Appreciate the feedback!Read More...
Hi, I just did some research for a friend who has a kid and was looking at some options. This one is interesting, there is a waiting list. but its the biggest APY ive seen yet. IntrX app - 2.91% APY TAB Bank 2.40% APY $1 minimum Online and Mobile banking Synchrony Bank 2.20 APY No minimum Online and Mobile banking My Savings Direct 2.40% APY No minimum Online and Mobile banking Restrictions on how deposits are made Ally 2.20 APY No minimum Online and Mobile banking Vio Bank 2.39 APY No...Read More...
Last Reply By Moore Income · First Unread Post

Savings and Investing

Forum: Investment
Scotirish
I had smoked since I was 13, and having attempted to quit many times, the rising costs of cigarettes was concerning me greatly. I formulated a plan to weaning off cigarettes with the oncoming of e-cigs, but with a new incentive. Invest the money I would save on each daily purchase. To cement my earnestness I withdrew $3,000 and invested it through Vanguard into a health account. In the first weekend I found the e-cigs to be harmful to my throat and quit them immediately. I would do this cold...Read More...

Savings Account Apps?

Forum: Banking
Moore Income
Interested to know if anyone out there is using any savings account apps to save money. I personally have been using GRAND for a while now. They charge $2 a month but as long as you save money, every week they have a drawing and every week I have won $1. They pay a 1% interest rate. It has been a great way to save money without really noticing it is not in my checking anymore. I have also used Aspiration which pays a decent amount and am trying out the Empower app. Anyone else know of any...Read More...
OMG I JUST FOUND THIS!! https://www.t-mobilemoney.com/en/home.html 4.00% APY under $3000 and the following requirments Have tmobile wireless account deposit $200/month sign up for tmobile perks Now with these stipulations you can max. your money. See the secenarios below. T-Mobile Money states you will make 4.00 APY if you have the fall in line within the 3 listing eligibities above. If you go over the $3,000. this means that the $3,000 will make anywhere between 2.79-4% APY and anything...Read More...
Hi, I just did some research for a friend who has a kid and was looking at some options. This one is interesting, there is a waiting list. but its the biggest APY ive seen yet. IntrX app - 2.91% APY TAB Bank 2.40% APY $1 minimum Online and Mobile banking Synchrony Bank 2.20 APY No minimum Online and Mobile banking My Savings Direct 2.40% APY No minimum Online and Mobile banking Restrictions on how deposits are made Ally 2.20 APY No minimum Online and Mobile banking Vio Bank 2.39 APY No...Read More...
I have been using The Ally banking/savings app for a few months and have been quite happy. I have a checking and a savings account. The savings account currently earns 2.2% and has gone up twice since opening the account. I use the checking account to save for known upcoming expenses and the savings I am using for emergency fund. Also, there are no fees.Read More...
Last Reply By Mo Brownies · First Unread Post

Crypto and Taxes

Forum: Taxes
I got sucked into the cryptocurrency storm late 2017 and started trading as well through a good part of 2018 as well. I did cash out some of my investments and now I am eager to learn it's impact on my tax return. Anyone here who has been involved in cryptocurrency over the past year or so? -SidRead More...
I have only watched from afar, but it's funny you mention the impact on your tax return as I was just doing my tax organizer online for my accountant last week. I was surprised by the question that asked if any of my investments last year were in crypto, and it was like a lightbulb moment. I hadn't even thought about having to report those investments on your taxes! For now, I'm glad I can skip that section.Read More...
Last Reply By Former Member · First Unread Post

1 Month Milestone!

Moore Income
I just received a notification in my alerts that I have just passed the one month milestone in this community. I want to take a moment to say that I have enjoyed interacting in this community over the past month and I look forward to the direction this community is headed. Comment below to let me know if you have hit the 1 month milestone, or let me know when you hit it! That being said, if you know anyone (friends, family, coworkers, neighbors) who would benefit from this community, be sure...Read More...

Penny Pincher

Im always looking for a new way to earn a buck or save a penny in just about everything i do.Read More...
Morning everyone, My first day here on in this community. Looking forward to learning from y'all and some of my tips along the way as well. Regards, -SidRead More...
Shop your grocery store's clearance section! You can still use your coupons on top of the clearance prices!Read More...
I learned how to cook Asian food at home--pretty easy to do since I work in an Asian restaurant--and no, I'm not a cook. You can whip up a pretty good meal with rice, vegetables, soy sauce, fish sauce, and eggs. Fish sauce might be hard to find, but I know Amazon has it. And I live in Indianapolis but can find it in the corner grocery store. Fish sauce is key to giving your fried rice that "takeout" taste.Read More...
Feel free to drop any kinds of ways you've been able to save money in this thread as well! I have one -- I go to a grocery store near me (Lucky's Market) on Wednesdays specifically because all of their produce and rotisserie chicken is significantly marked down! Then I have all of my food to prep for the week. It's reduced my grocery bill by almost half.Read More...
Last Reply By Former Member · First Unread Post

How to start a blog

Forum: Make Money
Deon Christie
There are a few key factors to focus on if you want to know how to start a blog. However, starting a blog is one thing, turning it profitable is quite another. There is a huge difference between a click, a visitor and a buyer. The first and most important step of starting a blog as a professional blogger is discovering your profitable niche. When you start your first blog, it is also important to create order by using separate folders. And to start a successful blog you need to create these...Read More...

A beginner's guide to investing

Forum: Investment
The Saving Scientist
Hey Penny Hoarders, For the longest time, I thought that investing was reserved for the financial elite. I didn't really understand the terminology and it just sounded too complicated to be worth my time. A year after starting investing, I now know so much more and I'm happier (and wealthier) because of it. Investing is the best (and most effortless) way to create wealth. I've written down some thoughts for people who are also only starting out on their investment journey. You can find it...Read More...

What are your favorite podcasts to listen to?

Fletch Sanders
Here are my top 3: The Aworkening (entertaining side hustle ideas) Dave Ramsey Show (financial show) Joe Rogan Experience (entertainment)Read More...
If you like Planet Money, you may like its shorter daily show, The Indicator. It's a quick take on the money news of the day. For practical advice in about 20 minutes, try Lillian Karabaic's Oh My Dollar. One of our Penny Hoarders has a personal finance podcast too: Frugal Friends!Read More...
Planet Money is a great financial podcast. I'm also hooked on The Dream right now (about MLMs).Read More...
@MOORE, for financial podcasts I like ChooseFI and The Dave Ramsey Show. For making more money, The Aworkening is a good one. And for motivation, Pick the Brain!Read More...
Alec Baldwin...Here's the ThingRead More...
Last Reply By Former Member · First Unread Post

A Free Resource to Make Budgeting Easier

Forum: Budgeting
The Saving Scientist
Hi Penny Hoarders! As a means to better track my own spending and sort our my financial priorities, I recently developed a budgeting Excel sheet that is unique in several ways: 1. It allows you to select your currency and year (making it customizable based on where you live and a template that you can use year on year) 2. The overview page allows you to enter your budgeted amounts and has hyperlinked buttons for each month of the year, allowing you to hop around and see how your spending has...Read More...
How’s this for a truth bomb – the life you are currently living is mostly the sum of all your habits. Read the following article to find out 10 financial habits that may be getting in the way of achieving your long-term goals: Stop the Paycheck to Paycheck Cycle What are some habits that you've discovered that get in the way? I'd love to hear your own experiences.Read More...

Online checking account for business - recommendations?

Forum: Banking
I have an LLC for my freelance writing/editing work, and for a few years I've had a separate checking account for those funds. I recently realized that I don't have enough cash in the account to have the monthly "maintenance" fee waived - so I'm losing $15 a month! I know my freelance business hasn't been super busy these days, but I'd certainly like to hold on to most of the money I've earned, you know? I'd love to hear about your experiences with online-only checking accounts for your side...Read More...
Hmm... That's a great question. Currently I know about a lot of personal online checking accounts but I haven't really looked into business accounts. It is definitely something I should be doing though as I do plan on launching a side hustle soon. I will keep my eye out and let you know what I find.Read More...
Last Reply By Moore Income · First Unread Post

Philo TV

Forum: Save Money
I wanted to tell everyone you get a free trial with just your cell phone number. It is cheaper than Sling and I loved it.Read More...

Giving up cable -- what's the best replacement option?

Forum: Save Money
Alexis Grant
I've heard a lot of people talking about this lately, and I wonder if there's a way for my family to follow suit. I'd love to hear from anyone who has let go of cable for a cheaper alternative -- specifically, the logistics of exactly what you replaced it with and how much it costs / how much you saved. We only watch cable for two things: 1. Nightly news 2. Weekend soccer matches featuring UK teams We pay a crazy amount just to get these weekend soccer matches. We've kept it as a luxury...Read More...

Intro to Investing Resources

Forum: Book Club
Theodora
Anyone have any easy, approachable guides to recommend for beginning investors?Read More...
@Theodora I have run across them. Can't say I have looked into them much although I do plan to in the near future. Currently I am investing in Rich Uncles which is a real estate trust that focuses on purchasing commercial buildings and student housing. It is a great place to get started and the returns are decent with Rich Uncles. Fundrise is definitely on my watch list though!Read More...
Thank you @Moore Income ! Real estate is definitely an area of interest for me as well. Have you looked at Fundrise at all? A really interesting model.Read More...
@Theodora what kind of investing are you interested in? I know you can find a lot of resources on the web and YouTube videos that talk about specific kinds of investing. You gotta be careful with some of these though because some people really don't know what they are talking about. I personally like to learn as I go and watch a lot of YouTube videos on specific types of investments (ie. stocks, real estate, etc.) I use a lot of investment apps that are pretty straightforward for making...Read More...
Last Reply By Moore Income · First Unread Post
I'm nervous about the solidity of some online-only banks, but there is the carrot of fabulous interest rates. I noticed the app discussed recently at Penny Hoarder, the Empower app, is FDIC insured up to $250,000. I'm interested in getting as much interest as possible on reserve cash, as anyone, but am I being overcautious here? How much confidence should we have in these online-only banks?Read More...
@mintjulep message me and I can share more details about each one and what the pros and cons are.Read More...
@Former Member Good question. I personally am just testing most of them to see howh they work and such and I usually just start with a set amount. I have moved money between a couple due to a better interest rate but I haven't really added much to the accounts besides the initial deposits. I am starting to add more to My Haven account since they have a 2% interest rate (up to 4% if you refer people) they also allow me to connect all my other accounts to manage my money in one place. So...Read More...
@Moore Income how do you strategize what money goes into what account, and how do you stay organized? I recently consolidated some of my cash and closed some extraneous accounts, mostly for simplicity's sake. How do you maximize your 6 checking accounts?Read More...
I definitely think it is worth it. I don't put all my eggs in one basket anyway, even when it comes to just a checking account, so why not get as much interest as is available. I'd love your input on the various online banks as you try them @Moore Income! You've listed some others that I've not been aware of. Thank you!Read More...
Last Reply By Moore Income · First Unread Post

A No Spend Challenge

Six on a Budget
Doing a No Spend Challenge (meaning *only* spending money on NEEDS, not wants, for a given amount of time can really be motivating and highlight where some spending can be cut and make a BIG impact on your budget!Read More...
I'm implementing a No Spend April (February has some pet and car expenses and I'm doing a strict Keto month; March is spring break and birthdays). I'm Iooking forward to thinking outside the box on social gatherings (like hosting a potluck night) and weekend outings (picnic at local park, finish a few craft projects we already have the supplies for).Read More...
I would love to join.Read More...
I just got here and the month is almost over but we have had a no spend January and it has been a really easy thing to do and great after a fall of spending. My birthday was this month and we went to a movie then celebrated at home . The nasty weather helps , aside from movie we have only spent on needs and enjoyed time warm inside together this month.Read More...
Do you live near an Apple store? Check their free activities for kids & adults. Kids don't need to own or have access to an iPad to participate (check your local store if adults need to have their own for adult classes.) Classes include coding, music, photography, movie making, etc)Read More...
Last Reply By jenakle · First Unread Post

Investment app

Forum: Investment
Ana
I just started using Acorns to invest a low amount each month and earn money. You can also link your card and they will round up your change to earn as well.Read More...

Stocks. Asset or Liability?

Forum: Investment
Moore Income
My mentor defines an asset as something that is putting money in your pocket on a monthly basis. A liability on the other hand takes money out. With that in mind he asked me once if the stocks I owned we're an asset or a liability. I instantly said asset, but the more I thought about it, the more I wondered. I decided to take a look at the stocks I had bought through the Stash app and I was surprised to find most of my stocks paid me 0 in dividends. I then found one that paid a small...Read More...

Investments for Beginners

Forum: Investment
Suze Knisley
i have managed to save a chunk of money that is just sitting in the savings account. I have a 401k through work but want to put my savings to work as well as I am nearing retirement age. If you had $50k, how would you invest it?Read More...

Rebate apps for purchases you already made?

Forum: Save Money
Wen Dee
I am curious are there and apps that give you rebates for something you already purchased? I know Ibotta you select the item first, then submit receipt. Ex: I purchased items on Amazon last week, without using Ibotta or Ebates....Is there anyway to still get rebates for these purchases? ThanksRead More...
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