Activity – Antoinette Minor – Ambassador

Antoinette Minor – Ambassador replied to the topic Relative Asking For Money in the forum SUM180: Our story 7 years, 3 months ago

I don’t think that makes you a bad person at all. I always only give as much as I can stand to not have anymore and thats ONLY if I really want to give at all. They have other resources. You don’t have to be one of them. They will figure it out.

Antoinette Minor – Ambassador replied to the topic Creative Ways to Bring in Income in the forum Grow your savings 7 years, 3 months ago

Thanks for the ideas!

Antoinette Minor – Ambassador replied to the topic Staying Healthy Saves Money in the forum Grow your savings 7 years, 3 months ago

Absolutely! My mom has an awesome insurance package where she gets PAID to go to well visits. We’re talking checks of $100 – $300 if she visits and gets her annual exams. She typically does them at the end of the year and uses the checks for Christmas instead of her personal funds.

I love all of the companies that are doing things like this. It…[Read more]

Antoinette Minor – Ambassador started the topic Choosing a Job for the Retirement Package in the forum Save for retirement 7 years, 3 months ago

Hi All,

Honestly, if it wasn’t for my employer retirement plan I probably wouldn’t be as far along as I am with saving for retirement. Now that I’m getting older and thinking about changing careers I’m finding that the retirement package/options is definitely a factor when choosing a new job. Right now my employer matches up to half of my…[Read more]

Antoinette Minor – Ambassador started the topic Creative Ways to Bring in Income in the forum Grow your savings 7 years, 3 months ago

Hi All,

Holiday time is coming up and I’m thinking about getting another holiday job for the year. I enjoyed the extra income but part time retail work usually pays very little. I found that being on my feet for hours at the end of the day sometimes didn’t justify the pay but I also was able to pay a few things off/afford Christmas.

I’m thinking…[Read more]

Antoinette Minor – Ambassador replied to the topic I Asked for Rentals and was Encouraged to Buy… in the forum Buy a house 7 years, 3 months ago

Thank you! I decided to just stick with renting. You’re right, I’m not ready to buy and even if it may save money or become a great investment it would be a premature decision for me.

Antoinette Minor – Ambassador replied to the topic Money Saving Travel Tips Needed! in the forum Manage your debt 7 years, 3 months ago

What worked for me was planning. I tried to spend all of my money before I get there. Meaning, if I know I want to try out the local restaurants I will go on groupon or other sites to see if I can pay upfront. Usually groupon is something like $15 for a $30 meal. I have my coupon or discount and I don’t have to worry about tapping my budget when I…[Read more]

Antoinette Minor – Ambassador replied to the topic Anyone Else Love Using Savings Apps Like Ebates + Ibotta? in the forum Grow your savings 7 years, 3 months ago

I used ebates years ago but I wasn’t consistent and probably because it wasn’t mobile when it came out. I’m definitely going to try it out because you are so right. The small change does add up!

Antoinette Minor – Ambassador started the topic Dating on a Budget in the forum My journey 7 years, 4 months ago

Hi All,

So we have been talking about this topic at work for quite a bit. When I was on the dating scene I never thought of having a budget for dates but when I think about it dating can be a crazy expense. This may be particularly expensive for men who are typically the party who pays. Single or married, do you have a date night budget and how…[Read more]

Antoinette Minor – Ambassador replied to the topic Robinhood in the forum Build your investments 7 years, 4 months ago

I’ve actually never heard of Robinhood but I have used Acorns. I don’t think financial apps are for me. I’m more of a set and forget it type person instead of hands on with an app. I will definitely check out this app and try out the investment app world again.

Antoinette Minor – Ambassador replied to the topic I'm Self-Employed…What Can I Do to Save for Retirement? in the forum Plan your retirement 7 years, 4 months ago

I think it all depends on the return on investment. I would sit down with an expert from Vanguard or Fidelity. If you are a credit union member the guys at CUNA are pretty good too. I’ve worked with them to help me navigate my retirement funds. I hope that helps a bit.

Antoinette Minor – Ambassador started the topic I Asked for Rentals and was Encouraged to Buy… in the forum Buy a house 7 years, 4 months ago

So, I have to move in about a month. I’m a person who can get overwhelmed so any help with any piece to moving would be a great help. I reached out to a realtor who also provides rentals and asked for a few listings.

I told her my budget was small and she didn’t have many in my price range but magically had some listings for sale that would fit…[Read more]

Antoinette Minor – Ambassador replied to the topic My Financial Plan Gives Me Confidence in the forum Save for retirement 7 years, 4 months ago

I love that it brings you confidence. For me it would be peace of mind because I would feel like I was prepared and ready to go!

Antoinette Minor – Ambassador replied to the topic iTunes + Amazon Purchases Are Killing Our Budget in the forum Grow your savings 7 years, 4 months ago

This was me and itunes! I linked it to my credit card so that I wouldn’t charge my checking account and possibly overdraft it for simple $1.99 charge but I realized I wasn’t being mindful with the credit card. $.99 here and there really adds up.

Antoinette Minor – Ambassador replied to the topic I Said Bye to Subscription Services in the forum Grow your savings 7 years, 4 months ago

I love Adobe and was considering it but I use Canva way too much and noticed I didn’t use photoshop much even when I had it for a year for free. It definitely helped me put things into perspective.

Antoinette Minor – Ambassador replied to the topic I Said Bye to Subscription Services in the forum Grow your savings 7 years, 4 months ago

No judgement here! You’re so right. I was paying for Hulu and Netflix and barely watch either of them. I stayed with Netflix since my family uses it big time.

Antoinette Minor – Ambassador replied to the topic I Said Bye to Subscription Services in the forum Grow your savings 7 years, 4 months ago

I’m definitely guilty of that too!

Antoinette Minor – Ambassador started the topic I Said Bye to Subscription Services in the forum Grow your savings 7 years, 4 months ago

Hi All,

My account was being drained by the “little” things that I just signed up for here and there. I realized I was spending way too much money that wasn’t accounted for or that I’m actually not using. I cut off one of the gym memberships I had. Yes, I had two. I cut off the cable and that was a huge win! I took a look at all the small…[Read more]

Antoinette Minor – Ambassador replied to the topic How to Save Money While Raising Toddlers…I NEED HELP!! in the forum Grow your savings 7 years, 4 months ago

No, children don’t have to eat! lol

I don’t have children but I think I can translate what I’ve done to your issue. There always seemed to be a friend’s birthday party to go to as well. My puppy always seems to have some type of medical emergency when I least expect. Last year alone she caused a $250 bill for stealing raisins and eating them…[Read more]

Antoinette Minor – Ambassador replied to the topic Life Changes in the forum My journey 7 years, 4 months ago

Hi Josh,

I completely understand how you feel and I’m going through something similar. When it comes to justifying the spend just be okay with knowing that you are purchasing because its a NEED and that there are funds to cover it. If you have to take it out of a savings account that’s okay because that is what savings is for. I used to feel like…[Read more]

@antoinette