(Un)boxing day

Subscription boxes are fun — but are they a waste of money? [ThePennyHoarder.com]( December 11th, 2018 There are just two weeks left until Christmas, which means there are just two weeks left until the constant din of Christmas carols dies down. Don’t get us wrong — we love the holidays as much as the next person, but a little playlist variety sure would be nice. Today, we’re breaking up the sound of jingling bells with talk of subscription boxes and ways to build credit when you have none. First, this news… Company Seeking Candidates| If your Tinder bio states that you’re a “people-person who loves to travel,” you might be the perfect match for Frosch. Frosch is a travel management company that’s looking for candidates with customer service skills for its work-from-home travel consultant jobs. [Here’s how to apply](. Emerald City, Cubic Zirconia Budget| Think you can’t pay off your debt because the rent’s too darn high? We talked to [a couple who paid off $83,000 of debt in 20 months]( while living in one of the most expensive cities in America. A Merry Little Spa Night| In the throes of the holiday season, it’s important to step away from all the hubbub and togetherness to have a little you time. But relaxation and self-care don’t have to mean paying big bucks for a treatment at a fancy salon. Here are [25 inexpensive ways to pamper yourself at home](. (Un)Boxing Day| Subscription boxes are fun — especially if you’re the forgetful type. You sign up once, and then a month later you’ve blocked the whole thing out of your brain — just in time to receive a surprise gift from yourself. And then you forget about it again — and what’s that?! Another surprise gift to yourself? And another one? You shouldn’t have! Well, actually, you should have. Or at least, it’s not the worst thing if you did. Some subscription boxes are just there to get you hooked on expensive products you don’t actually need (like that $48 hairspray) or to… well, we’re not really sure what the purpose of a “butter of the month” box would be. They’re just not practical — or cost effective. But then there are the subscription boxes that can actually save you money on things you’d be buying anyway. With seemingly endless options on the subscription box market these days, it’s easy to get swept up in the flood of tiny sample-sized products without doing the math. So we did it for you, and found [eight subscription boxes that will help you cut the cost]( of everything from toilet paper to contact lenses. WORD OF THE DAY Credit invisibility (n): Credit invisibility happens when you have no credit record for landlords or potential lenders to check. It can also happen when you have very little data or very old (or “stale”) data on your credit record. Credit invisibility isn’t the same as having bad credit, but it does have many of the same negative effects. When you’re credit invisible, lenders may decide not to extend credit to you (in any number of forms) because they have no way of knowing if you’ll be likely to pay back your debt. Rather than looking like a good or bad borrower, you simply look like a big ol’ question mark. So how do you start building credit from scratch? [Here are four smart ways to start building your credit]( — without the “help” of those tricky payday loans. We’ve updated our [Privacy Policy]( and [Terms of Service](. By continuing to use The Penny Hoarder website, you agree to the changes. 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](.