After-School Activities Add Up. Here are 5 Ways to Save

Extracurricular activities are great for children. They help kids learn new things and perfect their skills. They provide opportunities to bond with peers and a constructive use of time. They look great on college...

Sell Used Clothes to These 6 Stores to Make Money. Here’s How.

Do me a favor and take a quick look in your closet. Overflowing, right? Well, there’s a solution to that problem: selling your used clothes.  It’s a win-win, and you don’t have to wait for a...

25 Surprising Things You Can Sell on eBay

Are you getting ready for a yard sale? Maybe just trying to declutter? Before you throw out the “useless” stuff kicking around your home, you might want to check this list. A little research yielded...

How to Minimize Student Loan Debt When You’re Drowning in It

Here’s a dark underside to the already grim reality of student loan debt: It’s not just college graduates who are drowning. College dropouts are holding part of the collective $1.5 trillion in outstanding student loan...

What’s the Best Way to Build Credit From Scratch?

Dear Penny, What’s the best way to get my credit started? Some of my friends say to start off with something like getting a phone or with layaway. Are they right, or is there a...

These Stores Offer Free Shipping, No Minimum Order Required

We’ve all been there: You finally find an item you’ve been looking for online, and it’s on sale for $5! You add it to your cart, go to check out — and realize you...

One Woman Shares How She Saves Money By Coliving

Despite prices for many studio apartments in downtown St. Petersburg, Florida, topping $1,200 a month, Jillian Warwick was able to snag a place just two miles from the downtown core for half that cost. She...

Ever Wondered How to Become a Notary? Here’s the Scoop

Jon Snedeker didn’t become a notary public because it was his lifelong dream. He did it because it was a requirement for the loan officer job he landed fresh out of college. It wasn’t until...

Here’s How to Easily Wipe out Old Debt and Improve Your Credit Score ·...

You’ve been working hard to clean up your credit and to improve your score, but we get it: This often feels like a daunting undertaking, especially if you owe creditors money. And, yeah, those harassing...

Eat What’s on Hand — and Save Money

When my editor called me on the last day of my vacation to ask me to take on a Pantry Challenge, my first thought was: I wish I had gone grocery shopping first. But then,...

6 Mileage Tracker Apps That Will Track Your Mileage and Expenses

If you’re a Lyft or Uber driver, you probably already know how important it is to track your work-related mileage and expenses.  You need that information to appease the IRS gods come tax return time...

Minor Credit Score Changes Are Normal, So Stop Sweating Them

Thanks to the internet, it’s not hard to keep track of your credit score. Whether it’s through your bank account, credit card issuer or a free online credit monitoring program, if you’re financially minded,...

What Happened When This Mom Went Back-to-School Shopping Online

When her daughter, Gwen, was about 6 years old, Tiffany Connors was determined to be a back-to-school super shopper. “I got it in my head I wanted to save money,” says Connors, a staff writer...

How to Plan for the Worst and Prepare for a Financial Emergency

Nobody plans to lose a job or fall ill. But you can plan for unexpected events so they don’t topple your finances. 4 Ways to Prepare for a Financial Emergency Here’s what to do to prepare for...

5 Ways to Manage Your Money on a Reduced Income

Life can be unpredictable.  One day you’re managing your finances just fine in a two-income household. Then something happens — a layoff, an injury, a separation — and you’re left with one paycheck to support...

24 Inexpensive Ways To Create Your Own DIY Spa Day

Want to know a secret? I’ve never had a professional massage. I totally get why they’re appealing, but they’re just not my jam. Manicures, on the other hand?  Heck, yeah. My tombstone will read, “How do...

OhmConnect Pays You to Go Green

Ingrid Balabanova/Shutterstock Chances are, you’re doing your laundry in the evening after work. Or on Sunday afternoon. Guess what? So is everyone else in your area. Here’s the thing: All these washers and dryers...

How Much Investment Risk Is Right for You?

When you set up an investment portfolio, the most important thing to consider is your risk tolerance.  But what exactly do we mean by “risk”? Risk can mean a lot of things to different people.  You...

Starting a Budget? Do These 7 Things First

You’re ready to start a budget — awesome! You’re probably feeling excited and ready to get your money in order. But here’s the thing: It’s super easy to give up on budgets. They can get...

The 60/20/20 Budget Is Perfect If You’re Struggling to Save Money

Michaela Estes and Alexandra Vincent/The Penny Hoarder I always thought the right budget breakdown was the tried-and-true 50/30/20 method, where 50% of my monthly take-home pay goes toward living expenses, 20% toward savings and...

If You Ever Want to Quit Your Side Job, You Need an Exit Plan

Gig work can be a blessing or a curse depending on how it’s used. Blessing: extra work that augments your income to help you meet a personal goal, like paying off debt or furthering your...

How to Freeze Your Credit: A Complete Guide

Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises,...

9 Moves to Make Now

How important is a credit score?   If your credit score is not so great, you’ll quickly see how it affects your financial situation, from interest rates on credit cards to your eligibility for a mortgage....

How Does Interest Capitalization Affect a Loan?

Let’s start with the basics: If you have a student loan, you are being charged interest on the money you borrowed. It doesn’t matter if it’s federal, private, subsidized, unsubsidized or sud-sized (OK, that last...

How to Pay off Credit Card Debt When You Have No Idea Where to...

We know how incredibly easy it is to rack up credit card debt.  More than 40% of American households carry a credit card balance, with an average balance of more than $9,000, according to a...

LendingTree Lets You Shop Financial Products Like You Do Flights

Like any savvy consumer, you automatically comparison-shop — whether you’re buying something as big as a car or as small as a pack of gum.  You’re trained to do it. You wouldn’t book a flight...

How a Money Buddy Can Help You Reach Your Financial Goals

Sha'Kreshia Terrell and Sau-Sha Hill decided to become accountability partners in 2014 to encourage each other to pay off their debt. Chelsea Purgahn for The Penny Hoarder The temptation of chocolate cake is real,...

Which Makes Sense for You?

Think about this: If you died tomorrow, would the loss of your income have a negative impact on someone else? If you said yes, it’s a good idea to have some kind of life...

How to Create a Child Care Budget That Works for Your Family

Finding the right child care option for your family and your budget can feel like a Catch-22. You want the best for your kid — a friendly, well-qualified caregiver who will meet all your...

How Much Do You Owe in Student Loans? Here’s How to Find Out

If you’re a recent graduate, the last thing you want to think about is the past, right? It’s all about the future. However, if you took out student loans, the time to look back is...

How Do I Tell My Mom She Can’t Afford to Retire?

Dear Penny, I recently spent time with my mother, who is 67 and is planning on going into semi-retirement soon. I asked her about her financial plans for retirement and what she told me has...

8 Reddit Saving Money Threads to Help You Keep More of Your Cash

Looking for ways to save money? Don’t limit yourself to the ideas you think up on your own. There’s great benefit in joining a group of others who can share their tips, tricks and advice....

Verizon’s Discount Carrier Has the Cheapest Unlimited Data Plan Around

Choosing a cell-phone provider is a series of tradeoffs. Your typical conundrum: Between good, cheap and fast, you can pick two (if you’re lucky).  But Visible, a new digital wireless carrier, is offering plans for...

Is Travel Insurance Worth It? Here’s How to Decide

Travel planning is complicated. Between packing, finding flight or train routes, arranging accommodations, locating someone to watch your pets and water your plants and all the other 10,000 details that go into business and pleasure...

Here Are 5 Major Life Events to Budget For in Life

Certain events in life are so big, so momentous, you wouldn’t dream of confronting them unprepared. It would be like going into war unarmed. Like setting sail without a life jacket. But just as you wouldn’t...

Wondering How to Invest $5,000? Here are 4 Options

You’ve worked hard to save your money. Now that you have some extra, you know you should invest it. After all, that’s what the experts tell you. But how? Sure, you can Google investing tips all...

Simple Money Management Steps to Take Today if You Live in California

Let’s say you live in the Golden State, you’re getting squeezed by crazy-high housing costs and your finances could use some serious TLC, but you’ve been putting it off. When you finally do sit down...

7 Things to Do With Your Money Once Your Salary Reaches $70,000

Advertising Disclosure: Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Remember overdrafting while...

You’ve Managed to Get Past Overdrafting — Now What?

Remember overdrafting while you waited for your next paycheck to come — that was the worst, am I right? There’s not enough money in your bank account — so your bank gets its revenge...

9 Creative Ways to Pay Off Debt

When the phrase “It’s fun to” comes up in conversation, it’s probably not followed by “pay off credit card debt.” Paying off debt is associated with living under a rock, eating ramen noodles and cutting...

9 Things You Didn’t Realize You Could Do to Pay off Debt

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. When the phrase “It’s fun...

When Money is Tight, These 10 Resources Can Help You

When money is tight, you can feel like you’re drowning. You finally make that late payment on one bill, and the next one shows up in the mail. You turn to credit cards to stay...

32 Legitimate Ways to Make Money from Home

1. Play Free Scratch-off Tickets LeoPatrizi/Getty ImagesThere’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding. Instead, try scratching for free using an...

9 Things to Know Before You Apply

You’ve probably heard over and over that you need a 20% down payment before you can ever think of buying a home. But there’s a way to finance a home even if you don’t have...

These Are the Best Side Hustles of 2019

We could all use a little extra income. Whether you need some help with your bills, are chipping away at your debt or are just saving for something fun, a side hustle can be...

How to Budget as a Freelancer: A Quick Guide

As a freelance writer, I have a good idea of how much money I’ll bring in every month — but my estimate is rarely perfect.  Sometimes I don’t get as many assignments as I had...

Don’t Pay More Than You Owe

Just because you get a medical bill doesn’t mean you have to pay it. If you got a restaurant tab that was $50 more than you expected, you’d double check that receipt for every appetizer...

50 Ways to Make Money That You’ve Never Heard of

30. Do Online Transcription Carmen Mandato/The Penny Hoarder Those listening skills you honed by eavesdropping on your roommates’ conversations could finally pay off with a job in online transcription. Transcription jobs usually require an assessment test...

6 Reddit Budget Communities to Help You Manage Your Money

Budgeting can seem so solitary sometimes. You’re trying to get your income to cover your expenses and meet your financial goals. But input from — or venting to — other folks can be a huge...

How Teacher Loan Forgiveness Can Help You Trim Student Debt

They say that teaching is a calling. It’s just not a calling to money. And considering most schools don’t employ teachers without a college degree, that can mean taking out student loans that are tough...
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