Climb up 🏔️ to an 800 credit score

Plus, earn side money through online focus groups [The Penny Hoarder Daily]( [9 Habits That Will Get Your Credit Score Above 800]( [9 Habits That Will Get Your Credit Score Above 800]( An excellent to perfect credit score opens the door to better loan rates, which can save you thousands over the lifetime of a mortgage or auto loan. But 800 can feel out of reach! So we took a close look at the behavior of people with credit scores of 800 or better to learn what they're doing right. These are the nine habits you want to adopt now to drive your credit score into the top echelon. Habit No. 2 might surprise you.   [If Your Credit Score Is Under 700, Make These Moves ASAP]( If you're struggling to get your score above 700 because of debt, we understand. You don't think of yourself as an extravagant spender. That’s why it feels so surreal to be in so much debt. But with seemingly unbridled inflation, many people have had to rely on credit cards just to keep up with basic needs. Your credit score may have suffered as a result. If that sounds uncomfortably familiar, [we found some companies that want to help](.   [Side Gig Idea: Online Focus Groups Pay a High Hourly Rate]( [Side Gig Idea: Online Focus Groups Pay a High Hourly Rate]( Focus groups can be a lucrative side hustle when you break down per-hour pay. You get to be a part of a company’s market research efforts, plus you can easily participate in paid focus groups over the internet. That's why we love it as a side gig idea for Penny Hoarders looking for some extra cash.   [Pocket a Cool $1,648 Without a Second Job]( Maybe the idea of a second income sounds very cool to you, but a second job? Not so much. We got you! Try paying less for your insurance or [earning more on your savings](. We have these and six more ways you can pocket a cool $1,648 without the burden of getting a second job. [Earn More in 2024](   [Worried About Inflation? 🐡 You Should Be]( Did you know blowfish are among the most poisonous vertebrates on the planet? Just goes to show how dangerous inflation can be. If you're worried about the economy turning into a blowfish right now, you're just being smart. Here are [five money moves you can make to protect yourself against rising prices](. [We’re Raising Our Granddaughter. Can We Claim Her on Our Taxes?]( [Can We Claim Our Granddaughter on Our Taxes?]( In this installment of Dear Penny, our advice-seeker wonders what kind of tax relief might exist for grandparents raising their grandchildren. But whether you can claim a grandchild as a dependent for tax purposes can be complicated. Dear Penny explains.   Want even more money tips? Subscribe to our [text messages]( 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. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin. © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S. [View in browser]( [Mailing preferences]( | [Unsubscribe]( | [Privacy Policy](