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Ms. Andra powell Henderson, Thank you for replying to my dilemma. Would you be so kind to supply more info on the Internet Marketer job you mentioned in your reply. I would like to look into that further. Thank you.Read More...

Before getting a loan, make sure you get your rates from all possible/available lenders. Even minor difference in rate can lead to lot of savings. Also if you apply together as a joint application, you could get better rates if your joint applicant has a good credit historyRead More...

That’s the tough call on where and who to invest with. Whoever you choose to invest with you’ll want to rigorously research them thoroughly. They are professionals but because of that they take X amount of percentage of your profits. Verse if you were able to dedicate heavy research and invest on your own. Then you pay nobody to make money with your money. But be warned if your not strict with your dedication into investing then you are going to take more loss in which for your case you...Read More...

I am completely deficient in the area of finances! When I leave my present job, I have the option of withdrawing my pension monies or taking an annuity payment for life. Half my work life has been private sector; the other half public. I have 3 more years before Social Security full retirement age. I am leaning towards taking a partial or lump sum instead of annuity payments. I would like to invest some of that money into something that will possibly cover basic living expenses (utilities,...Read More...

As Robin Hartill mentioned, I would go directly to the bank to close those secured cards. Unfortunately, there is so much fine print in legal agreements that there may even be penalties or other surprises besides a small hit on your credit score for closing these cards out. Don't forget the shenanigans Wells Fargo served to their "valued customers" for which they basically just received a slap on the back of their fraudulent hands! I am always a bit shocked when reading the terms included...Read More...

@Frugal Loo What you're doing is the right path. I echo what @Robin A Neumann says. It was good sound advice by the Lender, kudos to him/her!Read More...

My husband and I were going through this. We paid off all of our store and other credit cards two years ago. We kept two regular mastercards. We were trying to increase are available credit and decrease our credit usage. We actually were threatened by some cards that if we didn't spend anything on them they would close them anyway. So we decided to spend a little every few months and pay them off quickly. Since we started doing that our credit score actually is on the rise.Read More...

I was considering the same thing. Close the ones that have fees. I am considering talking to a financial advisor first before doing so. It's free if you bank there.Read More...

Thanks. I will check out the article for the $5 challenge! ShopKick never makes me sign in, the app opens and that's all there is, ready to go. Maybe they have improved, signing in each time would be a deterrent and I agree with you, too much hassle.Read More...

I stopped using Shopkick. Having to remember to sign in before you walk into the store is too much work. I do use a cashback credit card. Whenever I reach $50 in savings -- right into the savings account. I pay the card back in full twice a month so I never carry a balance. It's basically my debit card. Pennyhoarder just did an article on the $5 challenge and how to do it if you don't carry cash. Check it out.Read More...

Well, perhaps you could still leverage some of the tips to make your financial situation easier and better?Read More...

Never heard of F.I.R.E. I'm at an age that it's to late for this. Woulda, could, shoulda.Read More...

I'm retired, on a fixed income and so "out of the loop" on job openings and all the modern stuff you have to know how to do or (it seems) stand on your feet a lot. I worked at a hospital admitting job. Sitting was involved and inputting information into the computer to make a patients chart...address, phone, insurance info, etc. At that time the only requirement was a high school diploma and 6 months experience working with the public. I had been a dime store (pretty sure they don't exist...Read More...

Great job AnnieB. Grown children should help out and learn responsibility.Read More...

Welcome to the Penny Hoarder Community, @Larry Colangelo . Somehow I must have missed welcoming you. We look forward to hearing what your financial goals are and trying to help you reach them with any information that we can provide. Your wife is welcome here as well if she would like to post. We hope to see you both posting here soon. AverageJoeRead More...

Help me on this one so I can get my love and my wife here for are first Christmas and Happy New year to be together for Christmas ❤️.Read More...

I created my own excel spreadsheets. I've found to be easy to plan for upcoming expenditures and to see the variation in some bills each month.... like gas and electric.... I have done this for several years and it's been eye opening to see how expenses for utilities have increased over the years.Read More...

@TheSugarFreeLife . I checked out the links and very happy to have those sources. I created my own excel sheets a few years ago, mainly for tracking where my money goes, rather than budgeting. It was an eye opener to see how much we spend on grandkids and junk food! I have not followed up to do anything with these links from Heather, but very grateful to her for providing them.......my other half is retiring this year and we will need to set up a budget, I'm sure. I am a procrastinator!Read More...

I downloaded the app and found only 2 jobs that weren't very close to where I lived. One was about a 45 minute drive, the other I'm not sure how far it was. It's not a very useful app for me at this point.Read More...

Are you able to get them deferred? While that's not going to get them paid off, it will give you time to get in a better situation to make the payments. Did you request an income based payment? A lot of times, depending on your income, that can be as low as $0 a month. If you don't qualify for income based payment because you make too much money, then you may need to take a look at your finances and see if there is anything you can stop in order to make the payments.Read More...

I know it's tempting, but it's not a good idea to take money out of your IRA or to even borrow against it. You may not pay it back and there's the big tax hit. I would sock as much money as I could on the mortgage and get it paid down as fast as possible. Look for additional income methods. If something bad happens, you have time to work at getting it fixed before retirement. If you've taken the money out of your IRA, you could be scraping for pennies in retirement. The cost of living goes...Read More...

My personal opinion is not to take money from his IRA. You and your husband may have good intentions on paying it back, but it may not happen. You will also have the tax hit, as you mentioned.Read More...

Take a look at this to see if it will help you. Aseniorcitizenguideforcollege.comRead More...

That sounds like a great idea to start with. Take a look at how much you spend on food or other necessary items. See where you can cut back. That money may seem like not very much, but it is something.Read More...

First thing I would do, and one of the hardest things to do, is to call the bank and explain the situation. Communicate with them. Its been 6 months, so it will likely not be a fun conversation, however, it needs to be done. You may have done this already, but if not, consider reaching out. Make a payment plan- pay something. It doesn't sound like it's gone to collections yet, so that's great. And congratulations on the new job! I know it pays less, but I'm happy for you that you found...Read More...

You have to decide if what you get for what you do is actually worth your time. How much is your time worth?Read More...

Invest in a lucrative business that has benefits in a long haul.Read More...

Our only debt is student loan debt, which is about $50,000. We do want to purchase another home, and we have only invested a small amount of money through the Robinhood app. We just want to be sure we make the money work best for us and our future.Read More...