7 Tips for How to Go Green and Save Money

The first thing we noticed when we moved into our new home was that the hot water was burning us. Fortunately, I fixed it by simply adjusting the temperature setting on the hot water...

These 13 Side Hustle Apps Will Help You Work More Efficiently

Jimmy Chan prefers to go mobile when running his side business. On weekends, the 36-year-old computer engineer from Montreal runs a wedding photography business called Pixelicious. As a wedding photographer, he has to bring...

What Is a Good Credit Score? Here’s How to Improve Yours

It’s a common story, and it might already have happened to you. Maybe you’re in a department store or a bank, waiting on word from the representative about whether you’re going to get that...

Our Readers Have Tips for the Best Online Survey Sites

Online survey sites sometimes get a bad rap. And sure, some of them are scammy. Some are shady. Some are iffy. What about the sites that are legit, though? How can you maximize your earnings...

7 Ways to Lower Your Bills

So you went to the ER or underwent an expensive medical procedure. Now the bill is here, and you’re worried that the shock is going to send you back to the hospital — and...

Here’s How One Woman Made $2.4 Million Using Fiverr

Photo courtesy Charmaine Pocek It’s called a side gig for a reason. Maybe a big expense is coming up, or perhaps your 9-to-5 salary just isn’t cutting it, so you pick up a little work...

Independent Contractor Taxes: A Painless Beginner’s Guide

Zero alarm clocks. Working from the couch. A full-time yoga pants wardrobe. Freelancing certainly has its perks Filing taxes is not one of them. Whether you’re considering making the big leap into the world of freelancing...

Alan’s Load Test 3 · The Penny Hoarder

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Et sollicitudin ac orci phasellus egestas tellus rutrum tellus pellentesque. Amet luctus venenatis lectus magna...

How Varo Money Is Giving Banks a Run for Their Money

Choosing a bank account can feel like a big decision. It seems like each day, you see new headlines about banking scandals. You want to stay far away from that mess. A bank is where...

The 12 Best Bank Promotions and Bonuses of 2019

So, you’re looking for a new bank account. You’ve got several factors to consider — including bank promotions. Wouldn’t it be nice to fund your shiny new account with some extra cash? Many banks offer sign-up...

How to Save for a Vacation Without Breaking the Bank

Vacations are supposed to be relaxing, but it’s hard to unwind when you’re constantly stressing about how you’re going to pay for it all. Whether it’s a road trip, cruise or another much-needed getaway, now...

What Is Mortgage Insurance? Read This Guide to Find Out

Budgeting and planning for a new home can be harrowing tasks. In addition to finding a house that fits your lifestyle, you also have to budget for all the extras beyond the home’s price...

These 11 Tips Will Help You Get Financing to Start a Small Business

For entrepreneurs, obtaining the right amount of funding can mean the difference between success and failure when launching a small business. But for newbies, knowing how and where to find working capital can be...

A Beginner’s Guide to Micro-Investing (and Our Favorite Apps)

In the 21st century, we like things small. Our headphones, computers and dogs are all shrinking. Teacup pigs are surging in popularity. It’s no surprise that we like our investments small, too. That’s because the word...

How This Woman Made $800/Month Selling Clothes on eBay

Like any loyal reader of The Penny Hoarder, I know the value of thrift shops. To cut expenses, I started shopping for clothes at places like Goodwill and Salvation Army. Thrifting is always hit or...

10 Best Ways to Make Money Online (Earn up to $336 This Week!)

Trying to make money online can leave a sour taste in your mouth. You might run into a scam or two. And don’t forget about the pyramid schemes that want you to “invest in...

How to Start a Business in 10 Steps

At one point or another, you may have had a stroke of genius: a business idea that stopped you in your tracks. We all get them from time to time. We think about them for...

Let These 4 People Show You How to Lower Monthly Bills by Hundreds

All of your bills really add up, don’t they? You pay for cell phone service. You’ve got cable and/or internet (gotta stay connected). Of course there’s car insurance. Then the power bill shows up every...

Sell Stuff Online With These 15 Websites and Apps

Selling your stuff online is a great way to make a quick $20 to tide you over until your next paycheck. It’s also a low-cost way to start a small business venture that brings...

Follow These 7 Tips to Avoid Side-Gig Burnout

When Ericka Eller, a certified health coach and nutritionist, works with clients facing stress from overloaded work schedules, she shares her personal experience of burning out. Eller hit the wall in 2016. Back then, she...

My Wife Spends Too Much Money, but I Prefer to Save

Dear Penny, I don’t know the best way to get my wife and me on the same page about our finances. I come from a conservative background where we mostly saved and would only spend...

The Beginner’s Guide to Affiliate Marketing

Over the past few years, I’ve taken a crash course in making money blogging. I’ve experimented with freelancing, self-publishing ebooks, creating online courses, offering coaching and selling digital products. Everyone and their cousin seems to...

5 Easy Ways to Set Up Your Own Bullet Journal Budget Tracker

Instead of choosing from the dizzying array of online budgeting tools, here’s a novel thought: The best solution to keeping track of your money may be writing everything down with pen and paper.   The...

5 Simple Ways to Use a Bullet Journal to Manage Your Money

Instead of choosing from the dizzying array of online budgeting tools, here’s a novel thought: The best solution to keeping track of your money may be writing everything down with pen and paper.   The...

4 Budgeting Methods That Will Help You Manage Your Money

It sucks to wonder where all your money went at the end of the month. Even worse is wondering how all your money is gone when you still have a week left until payday. If...

13 Small Business Marketing Tips That Lead to Success

So you’re in the early stages of launching a small business. You’ve got a great product or service and obtained funding to get the company off the ground, but what about marketing? Do people...

Expecting? Prepare With These Money Tips From Parents Who’ve Been There

For many, raising a child is an invaluable experience, one they wouldn’t trade. But there is a price tag — a hefty one — that comes with being responsible for caring for a tiny human. Whether...

An Ultimate Guide for New Parents

Having a baby is exciting. And overwhelming. And expensive. Your life will change, and so will your bank account. But while your precious little one won’t come with an instruction manual, there’s plenty you can do...

We Weigh the Pros and Cons of Each

For years, we’ve been on a quest to find the best budgeting app. You see, budgeting is an essential foundation of personal finance, so it’s a journey you can’t take lightly. But while there are great...

Certain to Miss the Tax Deadline? Here’s How to Get an Extension

So you haven’t filed your taxes yet? What have you been doing for the entire first quarter of the year? OK, I’ll put my scolding face away. Everyone has different circumstances. That’s why tax...

6 Ways to Find Affordable Health Insurance for the Self-Employed

spyderskidoo/Getty Images One of the biggest challenges facing freelancers today (aside from landing paying clients) is finding affordable health care coverage. In fact, according to a 2016 study by Upwork, 20% of the 55...

How to Pay Off Student Loans Fast, No Matter What Your Income

Whether you’re a recent college grad or you attended college years ago, there’s a good chance student loans have impacted you. The current American student loan debt burden is $1.46 trillion — and over $166...

How to Negotiate Your Salary in 7 Steps and Get the Best Offer

After all the hard work you’ve put into designing your resume, crafting your cover letter and acing your job interview, you might be tempted to cash in on the first job offer a company...

Got an Idea for a T-Shirt? Here’s How to Earn Money From It on...

Josh Waldron is usually skeptical when he hears stories about people making colossal amounts of money working side hustles. While killing time at an airport in February 2017, he read an article about how a...

Learn How to Sell T-Shirts Online With Print-on-Demand Services

Josh Waldron is usually skeptical when he hears stories about people making colossal amounts of money working side hustles. While killing time at an airport in February 2017, he read an article about how a...

Is It Dumb to Pay Debt With Emergency Savings?

wojciech_gajda/Getty Images Dear Penny, My husband, our 1-year-old and I are currently living with my parents so we can pay off our student loans and start saving to purchase a home more quickly. Our only...

Upwork Fees Too Much? Here Are Some Alternatives for Freelancers

Want to find freelance gigs on Upwork? It’s going to cost you. In an April 2 email, Upwork CEO Stephane Kasriel announced plans to charge the platform’s 14 million freelance users to bid on...

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 one another to pay off their debt. Chelsea Purgahn for The Penny Hoarder The temptation of chocolate cake is real,...

5 Credit Factors That Affect Your Score (and 5 That Don’t)

It’s impossible to overstate the impact your credit score has on your life. It determines everything from whether you can buy a home or rent an apartment to your credit card interest rates and how...

How to Get out of Debt as Cheaply as Possible

If we paid more attention to math, few of us would get into mountains of debt. But the fact is, many of us don’t. And once we finally plug the numbers into a calculator and...

Here Are 31 Resume Tips That Will Impress Any Recruiter

When you’re on the job hunt, you only have six seconds to hook a recruiter or future employer with your resume. Six. Seconds. And with the rise of applicant tracking systems (those doohickeys that scan...

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

Overdrafting is the worst, am I right? It turns out there’s not enough money in your bank account — so your bank gets its revenge by helping itself to $35 of all that money...

What is Compound Interest? We Explain in Plain English

Would you rather have $10,000 today, or a penny a day that doubles in value every day for the next 30 days? You’ve heard this one before. It’s the fun, sneaky question we ask kids...

How Credit Mix Affects Your Credit Score

Credit lending can be a strange and mystical industry. Somewhere, it seems, loans are brought before a scientist and, after bubbling through glass balls, tubes and spirals, they’re distilled into a three-digit number that...

9 Best Online Checking Accounts in 2019

When customers grew tired of high cable and satellite bills, streaming giants Netflix and Hulu entered the playing field. When customers lamented their experiences with taxis, Uber and Lyft offered a new way to...

Frozen Fruits and Vegetables Are as Nutritious as Fresh Produce

Dear Celery, I meant well. I swear I did. I bought you with the best of intentions from the produce section and even cut you up for snacking. That was the last we saw...

Frozen Fruits and Vegetables Save You Money and Are as Healthy as Fresh

Dear Celery, I meant well. I swear I did. I bought you with the best of intentions from the produce section and even cut you up for snacking. That was the last we saw...

Should You Pay Off Debt or Invest in an IRA? We Do the Math

The age-old question: Should you prioritize paying off debt or investing? Or, if you’re ambitiously trying to do both: To what extent should you prioritize each? The answer isn’t the same for everyone. It’s easy...

Here’s How Your Payment History Affects Your Credit Score

It happens to the best of us. Even though you’ve always paid your bills on time, the date slipped past you a few months ago and you just forgot. Or maybe money was tight and...

How a Debt Snowball Can Help You Get Rid of Credit Card Debt

Two major methods dominate the debt repayment sphere: the debt snowball and the debt avalanche. One says you should pay off debts with the highest interest rate first. That’s the debt avalanche method. The other says...
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