Confront your bad spending habits

Plus 11 apps that will budget for you [The Penny Hoarder Daily]( [how to build a budget]( [Budgeting 101]( [Confront Your Spending]( Budgeting your money is a challenge. It forces you to admit to your bad spending habits and work to improve them. But it’s worth it: You get peace of mind, financial stability and the ability to reach your goals. Or, you could stick to the usual and potentially end up with out-of-control credit card debt, trouble paying the bills, and zero savings. Up to you, but if you’re ready to budget, [here’s how to start](.   [Freebies for Our Upcoming Bday Babies]( We love you, we appreciate you. Have the best birthday by scoring some free treats and products from one or many of these 116 places. [Happy Birthday](   [a closer look at what money dysmorphia is]( [Money Dysmorphia — It’s a Thing]( Scrolling through social media can feel like you’re being bombarded with financial success stories like, “How I became a millionaire by 25!” or “How I saved $100,000 before turning 20!” You think you’re not doing as well as you could? Let’s [take a closer look at what money dysmorphia is]( how to spot it and what to do when it affects you.   [Ramen Tonight and Every Night?]( We’re not talking about the kind with shoyu bone broth, hand-pulled noodles and braised bites. We’re talking about the kind you eat when you can’t afford anything else. Here’s how you can [get out of debt fast]( so you can enjoy more of the restaurant-grade ramen than the kitchen cabinet kind. [Ask these companies for money when you can't pay your bills]( [Finally … $1K In the Bank]( You’ve done it. You’ve built up a little cushion in your bank account — $1,000! Now what? Need to save more? Want to buy a house? Here are some specific [things you can do to take your finances to the next level](.   [The 11 Best Budgeting Apps]( We’ve rounded up [the best budgeting apps, free and paid]( for Android smartphones and iPhones   [We'll Text You More Money Tips]( 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](