Still going strong

A behind-the-scenes look at becoming debt-free [ThePennyHoarder.com]( August 20th, 2018 We don’t want to get ahead of ourselves, but we’re actually feeling pretty good about Monday. We’re ready to crush some goals and knock some things off our to-do lists — and who knows? We might even get in a workout. (Alright, alright, maybe not that last one.) Today, we’re talking about a cool side gig that earns one guy an extra $125 a week. First, this news… “Well, I Like Pretzel Day...”| Today just got a little bit sweeter (or saltier?): Philly Pretzel Factory is celebrating 20 years of serving up “hot outta the oven” snacks by [giving out free pretzels to everyone who stops by](. Plus, you can enter for a chance to win free pretzels for a year. Like the Zodiac, but for Shopping| Be here this day, show up to that thing that day, do this other thing next week. Your calendar dictates most of your life — but if you’re not letting the calendar dictate your big purchases, [you might be missing out on scoring the best deals](. Still Going Strong| Writer Desiree Stennett set a goal to pay off $30,000 worth of student loans in three years. After a strong first few months, she had made a pretty sizable dent — and then life happened. But Stennett is still determined to become debt-free ASAP, and [she’s checking in to let us know how it’s going so far](. Photo of the Day| High school teacher Greg Tipton repeats a question into the microphone as he hosts Trivia Night at the Angry Pepper Taphouse in Seminole, Fla. Tipton organizes Trivia Night every Wednesday as a fun side hustle. Aileen Perilla/The Penny Hoarder Quick! Can you name the house Frank Lloyd Wright built in Pennsylvania in 1935? How about listing all seven of Snow White’s dwarves? Every Wednesday night, Greg Tipton, a teacher from Seminole, Florida, hosts Trivia Night at a local bar — [a side gig that earns him an extra $500 a month](. --------------------------------------------------------------- Brought to you by: --------------------------------------------------------------- Oh, the Humanity!| You’re a reliable person. You know that, your friends know that, your employer knows that — so why can’t the people in charge of your debt with all those sky-high interest rates get the picture? Because they’re probably only looking at the numbers — not at all the things that make you human. Which makes it pretty ironic (in a good way) that an algorithm could be your key to better interest rates or lower payments. [Upstart]( a lending platform that helps people consolidate and refinance debt, uses machine learning and artificial intelligence to consider information beyond what traditional lending models use. The platform’s technology looks past your conventional FICO credit score and at the bigger picture, using additional factors like your education or employment history to determine your creditworthiness. Upstart can help you borrow as much as $50,000*, potentially with better terms (like lower interest or lower monthly payments) than traditional lenders. Plus, if you’re tired of managing several different bills and credit lines, you can use an Upstart loan to streamline all your debts into one. After you complete the online rate request, you’ll get a real-time offer based on the algorithm’s evaluation (and don’t worry — checking your rate won’t affect your credit score**). Then, you’ll be able to explore your options for refinancing or consolidating your credit card debt, medical bills or student or auto loans. Once you choose the terms that are right for you, you could receive your funds in as little as one business day.*** If you’re ready to get out from under your debt and the crazy-high interest rates that keep you there, [see what Upstart can do for you today](. [LEARN MORE]( Brought to you by: Oh, the Humanity!| You’re a reliable person. You know that, your friends know that, your employer knows that — so why can’t the people in charge of your debt with all those sky-high interest rates get the picture? Because they’re probably only looking at the numbers — not at all the things that make you human. Which makes it pretty ironic (in a good way) that an algorithm could be your key to better interest rates or lower payments. [Upstart]( a lending platform that helps people consolidate and refinance debt, uses machine learning and artificial intelligence to consider information beyond what traditional lending models use. The platform’s technology looks past your conventional FICO credit score and at the bigger picture, using additional factors like your education or employment history to determine your creditworthiness. Upstart can help you borrow as much as $50,000*, potentially with better terms (like lower interest or lower monthly payments) than traditional lenders. Plus, if you’re tired of managing several different bills and credit lines, you can use an Upstart loan to streamline all your debts into one. After you complete the online rate request, you’ll get a real-time offer based on the algorithm’s evaluation (and don’t worry — checking your rate won’t affect your credit score**). Then, you’ll be able to explore your options for refinancing or consolidating your credit card debt, medical bills or student or auto loans. Once you choose the terms that are right for you, you could receive your funds in as little as one business day.*** If you’re ready to get out from under your debt and the crazy-high interest rates that keep you there,[see what Upstart can do for you today](. [LEARN MORE]( --------------------------------------------------------------- WORD OF THE DAY TSA PreCheck (n): An expedited security screening process that lets eligible travelers skip the massive lines and avoid the hassle of removing items like shoes and belts. It costs money to sign up, but for many frequent travelers, the extra time in their travel itinerary is worth it. There are a few things you learn as a frequent flyer: How to avoid the lines at security, how to score a lounge pass during a long layover — and how to pack light without sacrificing comfort. While TSA PreCheck might not be cost-efficient for those of us who only fly a couple times a year, [knowing how to pack just the essentials can mean saving big bucks]( on baggage fees The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States [Unsubscribe]( from all email from The Penny Hoarder. Questions? View our [Privacy Policy](. Having trouble reading this email? You can [view it online](. *Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in OH is $6,000. The minimum loan amount in NM is $5,001. The minimum loan amount in GA is $3,100.. **When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.. ***If you accept your loan by 5 p.m. EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education-related expenses are subject to a three business day wait period between loan acceptance and funding in accordance with federal law.. All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank, equal housing lender..