Latest Buzz

Home Buying Vs. Renting

Kirsten Cherry
What is your opinion on Home Buying vs. Renting? A lot of people I talk to say home buying is more worth it because you aren't "throwing away" your money to a landlord. Sometimes I think if I get a mortgage, I'll be "throwing away" money to my broker until about 5 years later where I can start making some decent equity. Here's the deal, my husband and I have been married for 5 years. We have lived in 4 different cities and are finally ready to settle down. We love where we live. He has a job...Read More...

Unprofitable companies are annoucing IPOS

Forum: Investment
Mo Brownies
So some big companies are about to become public. Big in terms of brand awareness and not profit. Uber and Lyft are the 2 next companies that are set to launch their IPOs later on this year. (I beleive Lyft will be this month). However, BOTH companies have never made a profit? Yet, there are alot of eyes set on buying stock from these companies. Why is that? Would you buy stock from Uber or Lyft? https://www.recode.net/2019/3/...er-ipo-public-profitRead More...

Medicare

Forum: Retirement
David P Miller
I am 64yo, and receive 3 monthly checks. SSDI, VA Disability, and a tiny pension from my job. I will be eligible for Medicare on April 1, 2019. Social Security just sent me a letter stating they will be withholding $135.50 from each SSDI check. This is NOT supplemental insurance, like Part B or Part D or whatever it is ... $135.50 is just the basic premium. I don't need Medicare ... I have all the health care I need for free from the Veteran's Administration, and all I have to provide is...Read More...

Car buying and owning.

Forum: Save Money
In your opinion, which is the smarter financial decision when it comes to car buying: new or slightly used? Also, what are some tips to help get the most out of your investment?Read More...

Work from Home Jobs & Home Buying

Katie Gabriele
What kinds of documentation do I need in order to have a bank take my work-from-home income into consideration when it comes to home buying? My fiance and I both work full-time jobs; I'm a teacher and he is an assistant manager in a retail store. However, I have also just begun teaching with VipKid and opened a shop on Etsy. What kinds of documentation do I need to keep track of in order to have a bank take this extra income into consideration?Read More...

Online Travel Agent training/ Certification

Forum: Make Money
I have came across a company that only charges $30 to train and certify you as a bonded travel agent. Found out that it is a branch off of Archer travel, which has built a great name for themselves, I must say. So very blessed I found this opportunity through a really good friend of mine. I was given my own free personal travel website, updated by the company so I need not do anything but answer emails for quotes and book travel. This place pays 80% commissions on every travel you book...Read More...

Amazon Prime is it worth it or not?

Forum: Save Money
Bonnie Squires
I had prime a couple years ago and it was about $75 It is now over $100 . Trail for 1 week is $1.99 than $12.99 a month after that. I know you get free 2 day shipping and video's but not sure what else comes with it. Do you have Prime and what is the pro's and con's of it?Read More...

YouTube and Google Ads (Formerly Google AdWords)

Deon Christie
The particular channel I used to test this particular method. Was only launched Thursday 28 February 2019. And did result in far better results than I have anticipated. With YouTube Video, target keyword placement and the Hashtag plays an important role to getting exposure. But that's a topic for another time. Now I’m just going to briefly explain exactly what I have done. To leverage Google Ads and YouTube showing actual sales in my ClickBank account. Because to do a step by step from new...Read More...

30 Ways to Earn Money - TPH Article

Forum: Make Money
Kirsten Cherry
For those who came from the Facebook group, you may remember I was interviewed to be featured in an article by The Penny Hoarder about ways I have earned money from home. Unfortunately they weren’t able to link my website in the article, so if you want to contact me, it should be below my signature at the end of this post. I hope you guys check it out! It’s very well written and has many great ideas on how average (and unique) people can earn money from home. Here is the link to the article...Read More...

Do You Ask for a Receipt When Donating?

Forum: Taxes
ERoberts
I have done my own taxes for two years now and it's been a painless process. I did, however, make the mistake last year of claiming too many allowances and ended up owing a couple hundred bucks from those larger paychecks. I also moved, and although I was able to sell everything I was looking to get rid of I was wondering about the process of donating those items to Goodwill or Salvation Army and getting a receipt to apply to my taxes instead. Is it worth it to keep those receipts hanging...Read More...
For donations where you get a product like Girl Scout cookies, you must subtract the amount you would normally pay for the same type cookies in the grocery store and can only deduct the amount of the donation over that amount. If you pay $500 for a pair of tickets that normally cost $100, you can only deduct $400 for tax purposes unless you donate the tickets to another legal charity.Read More...
Thanks for the info, I never would have thought a consumable-like GS cookies-are tax deductible!Read More...
Last Reply By dboothe · First Unread Post

Selling mid-grade jewelry

Forum: Make Money
I have many nice items of jewelry I would describe as mid-grade costume jewelry many Avon, Lia Sophia and other similar brands. They are not cheap but not precious stones either. I am looking for suggestions on how and where I could sell them for the best value. Thanks in advanceRead More...

Does any one make home made crafts and sells them.

Forum: Make Money
Bonnie Squires
I've learned to make necklaces and earring. I crochet and make digital crafts to. I all can make bows and headbands. I've loved making crafts since I was little. I learned to make a rag doll and took a cookie tin and learned how to make it into a sewing kit. I learned to crochet and knit when I was young. My questions is where does every one sell there crafts and how would do you sell them for? Thanks BonnieRead More...

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...

Are DIY Projects Worth Their Price?

Forum: Save Money
ERoberts
If you have read any of my other posts, you'll already know how much I love Pinterest! Pins that always catch my eye (but I rarely act on) are recipes for DIY laundry detergent, toothpaste, cleaning agents, deodorant, etc. They boast huge savings, but I am not sold. I wouldn't mind devoting an afternoon during the weekend to create my own concoctions and I like the idea of controlling all of the ingredients I put in them. BUT, as we know, not everything on Pinterest works out. How do I know...Read More...

And the Member of the Month for February is...

Briana
As most of you know, we introduced a contest last month that recognizes one very active, helpful community member each month. We calculate the winner based upon the most engagement - helpful comments, likes on topics, and an overall friendly face in the community. For the month of February, we're really excited to recognize this super amazing member - @Moore Income! Jon is a very friendly, helpful face in the community, who is quick to lend advice to other members, as well as...Read More...
Awesome idea! Have a fun date night!Read More...
Congrats, Jon! Well deserved!Read More...
Last Reply By Nicole · First Unread Post

Work from home,extra income

Forum: Make Money
Hey all, Chuck here, I am 63,disabled with heart and gut issues, bit I still get around pretty well. I'm looking to supplement my income with work from home jobs.I have and will work part-time at a local job that suits me. Let's share ideas!Read More...

Do you budget in for gift?

Forum: Budgeting
Bonnie Squires
i was wondering if any one budget in for birthday,Christmas or any other gifts? All so do you buy things on sale or buy gifts all year round. If i can get a good deal I'll buy a gift ahead of time. Like now the dollar store having 70% and 90 % off different things. Some things I can get for my grand kids now for birthday and Christmas gifts. Which doesn't cost much. Most things are .03 cents to .10 than bigger things or name brand like froze are $1:30 or a little more. I usually just use my...Read More...

SUMMONS

Forum: Debt
Sango
Does anybody know of a book that one can use to give an answer to a summons to pay a debt?Read More...

Confessions of a Shopaholic

Forum: Save Money
ERoberts
If you, like Madonna, are a material girl and find yourself having visceral reactions to a store-wide sale notification landing in your inbox, this one's for you. I love clothes. And jewelry. And shoes. And bags. I think a lot of guys and gals out there do. While I know I am not alone, and feel no shame surrounding my constant impulse to shop (or my "shopping is my cardio" tank top) there comes a time in every adult's life when other things start to garner more financial prudence over...Read More...

Podcasts, anyone?

Forum: Book Club
Theodora
Hey, Penny Hoarders! Would love your recos on favorite personal finance podcasts. Fire away..I'm all ears.Read More...
I just watched the Netflix documentary about the Minimalists. It's such a lifechanging idea. I have a post asking people for more information about Minimizing. Would you have any information to offer?Read More...
Hi Theodora, My recommendation is more along the lines of developing a lifestyle that saves you money! The Minimalists is a wonderful podcast that helps you reshape your views on stuff and why we feel the need to buy it. The two hosts are funny and engaging. Let me know what you think about it!Read More...
Last Reply By TheHannaLee · First Unread Post

How Did Your Upbringing Shape Your Relationship with Money?

Forum: Budgeting
ERoberts
Growing up with divorced parents allowed me to experience the benefits and consequences of two very different financial journeys. It was fascinating to watch how my mom and dad navigated their finances with one thing in common: me. My dad: an OG penny hoarder with a military mindset of caring for everything to make it last almost too long. My chores included carefully folding t-shirts, polishing our wooden tables "never against the grain", and passing him tools as he laid under our cars to...Read More...

But, can my dog come?

Forum: Save Money
Melissa
I'm a massive dog lover. Seeing those puppy dog eyes when I leave for work in the morning is soul wrenching. So when the weekends roll around, I make it a point to spend as much time as I can with my pup. Sadly, I'm finding it a little difficult to 1. Find places that are dog friendly and 2. Find places that don't charge admission (parks, beaches, fairs and markets). Does anyone have any recommendations or resources to find canine and budget friendly activities?Read More...

Grocery shopping for lower prices

Forum: Budgeting
I am presently driving to and shopping 3 different grocery stores to compare prices. Publix, Walmart and Aldi's. Walmart and Aldi's are pretty close in price so I am realizing it might not be worth driving to Aldi's just to save a few pennies, plus their inventory is very small compared to Walmart's. I love Publix the best but their prices are so high. I guess I am paying for good customer service and good products. Walmart CS is horrible. Aldi's is good if you can find someone. Example: 2%...Read More...

Go check out (and answer) our first survey!

Briana
Happy Friday Penny Hoarders! Today we're releasing a new survey feature and we've just asked our first question... it has to do with finding $100. Go on, check it out! And submit your response. This question was a little tricky for me, so I can't wait to see what all of you choose! There are a few places you can find it -- If you're on desktop, you can see it under Trending, and on the right hand side under the Welcome! On mobile, it will be under Trending! Stay tuned for more surveys to...Read More...
If I found 100.00 I would give 20.00 each to a child in need I see at grocery stores and they could do what they want with it I would love to see there face. I like to also put a note in a 5.00 bill if you could use this keep it if not put it for the next person I leave it like in a public restroom.Read More...
An interesting question indeed! One cannot, upon finding a $100 dollar bill on the ground, shout out, "Did anyone drop this?" Because everyone is going to say yes. So, bearing in mind I am debt free, live on 50% of my NET income and am completing my 6 month emergency fund with the remaining income...hmm...I would have to say I'd call the point of contact at my local homeless shelter and ask what they need the most for the folks they are housing and feeding. Then I would use that $100 I...Read More...
Last Reply By Robin Gattas · First Unread Post
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