The Penny Hoarder
Founded in 2010, The Penny Hoarder is one of the nation’s largest personal finance websites. Its purpose is to help people take control of their personal finances and make smart money decisions by sharing actionable articles and resources on how to earn, save and manage money. For three consecutive years, the Inc 500/5000 has ranked The Penny Hoarder one of the fastest-growing private media companies in America.
The Penny Hoarder envisions a world where there is less money stress. The Penny Hoarder’s mission is to empower people to make smart choices with their money.
The Penny Hoarder
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4 months ago
thepennyhoarder
What Happens When You Sell a Stock? What to Know Before Filing Your Taxes
If you make a profit on the sale, you generally need to report it when you file your taxes the following year. The best time to sell depends on your personal investment strategy, risk tolerance and time horizon. For most investors, holding stocks long-term is the best strategy. If you sell assets, within a retirement account, you won’t pay taxes on investment gains, interest or dividends.
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4 months ago
thepennyhoarder
Hit the Road in 2023 With These 13 Cyber Monday Travel Deals
Many companies have announced fantastic Black Friday and Cyber Monday travel deals. G Adventures currently offers up to 30% off through its Cyber Sale. Holland America offers 40% off many cruises to Alaska, the Caribbean, the Mediterranean and more. Insight Vacations offers guided tours with small groups to help you make the most of your vacation. REI Adventure’s travel deals are designed to keep you moving. Spend six days hiking and camping in Arches and Canyonlands.
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4 months ago
thepennyhoarder
Denny’s Black Friday Deal: Buy a $6 T-shirt, Get Free Breakfast for a Year
Denny’s is about to sell an extremely limited-edition T-shirt that doubles as a yearlong breakfast subscription. Only 150 of these magical bacon-and-pancakes-delivering T-shirts exist, and the online-only sale launches promptly at midnight on Black Friday, Nov. 25. You can use this wearable coupon to redeem an Everyday Value Slam meal. The shirt is valued at nearly $2,200. No online orders, no DoorDash.
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4 months ago
thepennyhoarder
Cyber Monday vs. Black Friday: When to Score the Best Deals
"Retailers are finding ways in which to meet consumer expectations
and deliver value, so the holiday season continues to get expanded
which provides consumers more time to shop." According to
Salesforce, sales were up 10% year over year from 2020 to 2021 in
the first three weeks of November, and like previous years, they
predict people will shop early again in an attempt to get the very
best deals and jump start checking things off their shopping list
with great discounts. What Is Cyber Monday? When online shopping... more
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4 months ago
thepennyhoarder
100 Can’t-Miss Black Friday Electronics Deals, From Tablets to Televisions
Black Friday is the day after Thanksgiving. Black Friday deals will be offered up on Nov. 25. Many retailers offer Black Friday Deals before the date and for a few days after it. The Lenovo Flex 3 is a perfect Chromebook for students. The Lenovo IdeaCentre AIO 3i is a stylish, all-in-one PC. The Samsung Galaxy Tab S7 Plus is the best Samsung has to offer.
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4 months ago
thepennyhoarder
10 Risky Investments to Avoid … Unless You Can Afford to Lose Everything
Some investments are so high risk that they aren't worth the rewards. Here are 10 high-risk investments to avoid if you can’t afford big losses. The first-day returns of a newly public company averaged 18.9% from 1980 through 2021. Bitcoin traded at around $43,000 at the beginning of 2022 but plummeted to less than $20,000 by June. The U.S. Securities and Exchange Commission is slowly ramping up enforcement on fraud and other financial crimes. Until greater regulations are put in place.
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4 months ago
thepennyhoarder
For the Best Prices, Should You Shop at Trader Joe’s or Whole Foods?
Trader Joe's is widely seen as a neighborhood store and has cultivated a fun-loving vibe that focuses on discounted natural foods. Whole Foods is the grocery industry’s flagship organic foods store with a reputation for expensive, niche brands. But is one store really more affordable than another? We compared costs and the answer might surprise you. The real savings at Whole Foods can be found in the bulk section. If you need nuts, dried fruit, beans, rice and other dry goods.
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4 months ago
thepennyhoarder
Everything You Need to Know About Debt Consolidation and Your Credit Score
Debt consolidation usually means taking out a loan to pay off existing debts, most commonly credit card debt. People with a lot of high-interest debt tend to look to consolidation because it simplifies repayment, and could reduce the cost of the debt through lower monthly payments, a lower interest rate or both. A few common debt consolidation mistakes could hurt your credit score. Here are a few tips to make the right decision. Don’t close your credit report and how to save money.
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4 months ago
thepennyhoarder
10 of the Best Companies with Paid Maternity Leave in 2022
There is no federally-mandated paid leave – even for the birthing
parent. The only protective policy we have is the Family Medical
Leave Act (FMLA) The FMLA protects you for up to 12 weeks. Only 44%
of American workers even qualify for the FMLA, which means 56% of
workers could lose their job or their health benefits if they took
time off. The best way to get parental leave in the U.S. is to take
time off for a medical need. Only 35% of employers offer parental
leave. Some companies offer maternity leave,... more
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4 months ago
thepennyhoarder
10 Green Jobs That Don’t Require a Four-Year College Degree
Many established industries are developing new ways of doing things
in response to climate change. Postings for green jobs have
increased 8% over the last year, but the skilled green workforce
has only increased by 6%. Here are ten jobs that don’t require a
4-year college degree for 10 jobs with an environmental or
sustainability focus. The 2022 Farm Bill is pumping $300 million to
incentivize farmers to transition to organic farming and develop
new markets for organic produce. There are no education
requirements... more
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4 months ago
thepennyhoarder
Here’s Where Rents Are Rising — and Where They’re Not
We keep seeing reports of people's rent skyrocketing, getting hiked
up to 20%, 30% and even 40%. Millions are falling behind on their
rent and are facing potential eviction. We bet you're wondering: Is
the rent going to keep going up like this? Is the rent going up
everywhere? Is there any place where rents aren't rising so much?
Is the rent going to start going back down anywhere? Seriously,
when will this nightmare stop? To get answers, we reviewed rental
rates in the United States' 384 metropolitan statistical... more
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4 months ago
thepennyhoarder
Is Amazon Prime Worth It? Here's a Look at Costs, Benefits
Amazon Prime costs $14.99 a month or $139 a year, but new members
can test Prime with a 30-day free trial before committing. Prime
Video is available on your computer and your favorite streaming
devices, giving Prime members access to over 26,000 movies. Top
Prime Video picks include ‘The Lord of the Kings’ and “The Boys:
The Boys” and ‘Thursday Night Football’. In recent months, Prime
Gaming is offering free in-game content. You’ll even receive free
shipping on every order. You can also receive... more
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4 months ago
thepennyhoarder
What Is A Balance Transfer Credit Card and How Do They Work
What Is a Balance Transfer Credit Card? A balance transfer credit
card is a type of credit card that allows borrowers to move over
existing high-interest debt from other accounts. Like traditional
credit cards, balance transfer cards have a credit limit - a max
amount of debt you can put on the card before you're cut off, so to
speak. How Do Balance Transfer Credit Cards Work? With a balance
transfer, a credit card company will pay off your outstanding debt
with your other lender(s), then transfer that debt... more
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4 months ago
thepennyhoarder
Para App Gives Gig Workers More Info So They Can Make More Money
The Para app promises to make navigating the gig economy easier
than ever before. Rather than juggling multiple gig apps, you can
work entirely from within Para and accept jobs from DoorDash,
Grubhub, Uber and Lyft. Once you install the app, create a Para
login and link your gig accounts to get started. Are you wondering
if you are delivering to a home, office or apartment? Para shows
you the information before you accept the job. Beyond the four
supported services on Para - DoorDash, Grubhub, Uber and Lyft... more
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4 months ago
thepennyhoarder
16 Clever Ways to Repurpose Things You’d Normally Throw Away
Produce Boxes Strawberries, blueberries and other produce come in
plastic containers that have open slits on the sides. Cardboard
Boxes Your Amazon delivery boxes can be stacked to create houses
for Barbies or stuffed animals. Here's another option: Cut the
bottoms out of boxes large enough to fit around your child. Help
them decorate the boxes to look like a car, then use string or
ribbon to create suspenders. Empty Shoe Boxes If you have the time
and energy to reorganize, use empty shoe boxes or smaller shipping... more
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4 months ago
thepennyhoarder
What Is Purchase APR and How Does It Work?
For a credit card, purchase APR is distinguished from other rates
of interest you can incur on the card, including: Balance transfer
APR: the interest rate charged on the portion of your credit card
balance you moved over from a different card. If you only see one
interest rate listed, it's safe to assume that's the purchase APR.
Is Purchase APR the Same as Interest Rate? For credit cards,
there's no difference between the purchase APR and the credit card
interest rate. How Does Purchase APR Work? A credit card... more
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4 months ago
thepennyhoarder
Understanding How Credit Card Interest Works
How Does Credit Card Interest Work? Credit card interest is the
amount of money you're charged on top of your credit card balance
when you repay later than the due date for that balance. Anytime
you use your card to make a purchase, withdraw cash or transfer a
balance from another card, you incur credit card debt, but you're
not automatically charged interest. As you pay down the balance,
the amount added in interest gets smaller, and you pay no interest
on a $0 balance. How Is Credit Card Interest Calculated?... more
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4 months ago
thepennyhoarder
Dear Penny: Can My Daughter Claim Her Lazy Boyfriend as a Dependent?
It doesn't sound like your daughter can legally claim her boyfriend on her 2022 tax return. To claim someone as a dependent on a federal tax return, they need to meet a four-part IRS definition of a ‘qualifying relative’ If your daughter’s boyfriend has only lived with her for seven months, he wouldn’t meet the first criteria. The Tax Cuts and Jobs Act of 2017 nearly doubled the standard deduction. The standard deduction is $12,950. For the overwhelming majority of taxpayers.
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4 months ago
thepennyhoarder
Skip the Pricey Cafe Latte: How to Make (Good) Coffee at Home
No matter how much you jazz it up with different milks or flavors,
fresh whole-bean coffee shines through in a way that grocery-store
ground coffee doesn't. Tip 2: Get Yourself Some Coffee Gear Now I
realize the point of this is to save money, not buy a bunch of
expensive coffee accessories, but the simple truth is - if you're
going to make barista-level drinks at home, you're going to need
some coffee gear. If buying an espresso machine isn't within your
budget right now, consider getting a Moka, $30. This... more
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4 months ago
thepennyhoarder
Animal Lover? Pet Sitting Just Might Be the Paw-Fect Side Gig for You
As a pet sitter, you can strike out on your own or register with
established websites. If you’re a pet lover but don’t have a
background in a pet-related business, that’s OK. You can gain pet
sitting experience by offering the service for free to friends and
family. Advertise in local yard sale groups. Don't be afraid. Don”t
be afraid to post your services on social media. The American Red
Cross offers a basic online course for $25. You can find more
extensive courses like Pet Emergency Education and... more
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5 months ago
thepennyhoarder
Attention Thrifters: Goodwill Launches a New Bargain-Shopping Website
In big news for thrifters everywhere, Goodwill is going digital.
Because your purchases will come from Goodwill locations across the
U.S. and Canada, the shipping costs for each item will vary - but
they'll never be a surprise. The new website is the brainchild of a
coalition of Goodwill leaders from across the country who wanted to
bring Goodwill fully into the digital age. It's an improvement over
Goodwill's previous internet offering, an auction site called
ShopGoodwill. You'll need to go to Goodwill in person... more
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5 months ago
thepennyhoarder
Rewards Not Working for You? How to Upgrade or Downgrade a Credit Card
Downgrading or upgrading a credit card is also called a product
change because you’re switching between two different types of
cards without closing your account. It’s easier to switch cards
than it is to switch companies. You can simply call up your card
issuer and ask if they can downgrade you to a lower tier. Some
premium cards cost as much as $650. For more than $650 a year. If
your current card offers a 0% APR introductory rate, you might lose
that, you may lose that. You may also lose that by upgrading... more
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5 months ago
thepennyhoarder
How You Can Get Your Pumpkin Spice Fix Without Dropping $8 On Coffee
Join Starbucks Rewards to start getting free drinks — including PSLs. Earn one star per $1 you spend, you can redeem them for a free PSL or any handcrafted drink. Make a DIY Pumpkin Spice Latte Indulge in a pumpkin spice latte. For more money, make a Pumpkin Spice latte with a recipe from Farmgirl Gourmet. The Penny Hoarder is a veteran newspaper reporter and editor who covers workplace issues and ways to make money for The PennyHoarder.
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5 months ago
thepennyhoarder
This Simple Grocery Price Comparison Spreadsheet Will Help You Save on Food — Every Time
With food costs surging, groceries can quickly eat up your monthly
budget. We'll show you how you can save money each month on grocery
shopping. You’ll need to travel to several stores in your area,
locate your staples. Do yourself a favor and survey only stores. If
some shop 50 miles away, for the best deals. If you don’t get a
better deal. In some cases, stores won't carry the best deal. The
total sticker price is cheaper. Even if the total stickerPrice is
cheaper, you’re not getting the same item in... more
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5 months ago
thepennyhoarder
How Over-the-Counter Hearing Aids Could Save You Thousands
New over-the-counter hearing aids are now available without a
prescription or medical exam. The new class of OTC devices will be
equipped with the same basic technology as traditional hearing aids
but at a fraction of the cost. Hearing aid devices can cost
anywhere from $900 to $4,000 per ear. Many health insurance
providers don’t cover the devices or hearing tests. The new rule
also reduces the red tape plaguing many consumers. The Hearing Loss
Association of America offers a tip sheet. For more information... more
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5 months ago
thepennyhoarder
The 10 Best Balance Transfer Credit Cards of October 2022
Have the account numbers handy for every balance you want to shift
to your new card - and the amount you'd like to transfer, though it
usually makes sense to move the full balance from a high-interest
card to the new, lower-interest credit card, if you're able. If you
get the green light, the new credit card issuer will pay off your
outstanding balance on your old credit card, then transfer that
debt to the new card. Balance transfer APR: After the 0% intro APR
period, any unpaid balance will be subject to the... more
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5 months ago
thepennyhoarder
Student Loan Forgiveness Application Now Live Through Beta Site
The U.S. Department of Education (DOE) launched a beta application
on Oct. 14 to work out any glitches ahead of the full rollout. You
may receive an email from the DOE with a link to apply through the
beta site. Applications won’t be processed until the full site
officially launches later this month and borrowers will have until
Dec. 31, 2022, to submit an application. Experts recommend
submitting your application as soon as possible. The DOE will
notify you when your application is approved. If an injunction... more
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5 months ago
thepennyhoarder
Drink Cheap! The Best Wine Doesn’t Have to Come with a Big Price Tag
Wine can run the gamut from Trader Joe’s Two Buck Chuck all the way to vintages that can cost more than our homes. We offer suggestions but also ways for you to separate the best cheap wines. Look to Europe, specifically Italy, where costs may be kept lower through several factors. The production of more entry-level wine, because most Europeans see wine as part of the meal.
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5 months ago
thepennyhoarder
12 Steps to Protect Your Finances When Leaving an Abusive Relationship
"Like all abuse, financial abuse takes a lot of forms, but it's all
controlling behavior - power and control," said Casey Harden,
General Secretary of World YWCA. "Imagine tightening the reins on
the financial condition of the home, so that there's limited
options." Abusers may leave their partner out of major decisions
and purchase a home that's well out of the family's budget, for
example. Do you have credit card debt? Is an unpaid mortgage in
your name? Are you behind on medical bills? Your credit report... more
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5 months ago
thepennyhoarder
SaveBetter Finds You Secret Bank Accounts That Will Grow Your Money up to 19x Faster
SaveBetter lets you deposit with different banks from a single account. You can pick the best savings accounts with the highest APY from various banks, a-la-carte style. SaveBetter works with federally insured banks and credit unions all around the country. The high-yield savings accounts you’ll find via SaveBetter come with better interest rates than the national average. They also offer certificates of deposit and money market accounts. For more than $1,000, you can buy a certificate of deposit.
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