No regrets

How to finally make budgeting a habit so you don’t regret not starting sooner [Image] ThePennyHoarder.com July 25th, 2019 Brought to you by: [Rakuten]( The next Summer Olympics are slated to kick off on July 24, 2020 — which means we’re just under a year out from the next global show of athleticism that will make all of us sitting at home on the couch feel just a little bit, ahem, unimpressive. The cool news is that karate, skateboarding, surfing and sport climbing will make their debut as Olympic events, so even if you’ve never set foot on a running track or dipped a toe in a pool, you, too can now yell at the TV like you’re an expert in kickflip-backside-tailslides because you went to skateboarding camp that one time. Today, we’re talking about how to really, truly, finally become a good budgeter — and one smart subscription service that’s changing the game for anyone who has a period. But first… Work From Your Happy Place Multitasking under pressure takes a certain kind of person, but if you suspect you might just be that type of person, this one’s for you: BCD Meetings & Events [is looking for a problem-solving registration manager](. You’ll need exceptional organization and customer service skills, as well as two years of experience in an attendee management role. The job includes benefits — plus, you’ll get to work from your happy place (i.e. your home) which should help combat any stress from the whole multitasking thing. I Like Big Books and I Cannot Lie If you’re an avid reader but have to do adult things like earn a paycheck to pay your bills, finding time to read can be tough. But what if you could read books and then get paid for your efforts? Here are [seven publishers that will actually pay you to read books]( and write reviews of them. No Regrets Every week it’s the same thing: Next week, you tell yourself, you’ll totally start sticking to a budget — you just have to make it through this ridiculously hectic week first. Then next week rolls around and… yeah, who were you kidding? You still don’t have a budget, and you’re still frustrated about how quickly your last paycheck disappeared. Now it’s a waiting game until your next one shows up. And you’re still ridiculously busy. But hey — a budget doesn’t work unless you do. Sure, it’s going to take some time and effort on your part, but budgeting and working out are similar in this: The only thing you’ll regret six months from now is not doing it. So whatdya say? Ready to start budgeting for real this time? Maybe you won’t be great at it today — and maybe not this week — but you certainly could be by next month. This [seven-day guide will help get your money and mindset ready]( to begin budgeting by the 1st. [Image] [Rakuten]( No More Stressing. Period. Periods are stressful enough as it is — the last thing you want is to be worrying about toxic ingredients and having the right products stocked at the right time. (Not relevant to you? If you don’t have periods, feel free to pass this info along to someone who does!) Frustrating fact: The FDA doesn’t require period brands to disclose all ingredients on their boxes. Yeah, we said ingredients (how does a tampon have ingredients?!) because believe it or not, some companies are putting things like fragrances — which can have any number of unnamed chemicals mixed in — into their period products. But not [LOLA]( this subscription-based company has nothing to hide. (No seriously — its tampons are made with 100% organic cotton, and it says so right on the packaging.) LOLA’s products are also totally free of toxins, dyes and synthetic fibers. Plus, the company works with a team of medical advisers (including gynecologists) to ensure its products are safe for use from a person’s first period to the very end of menopause. And we’re not just saying that — LOLA literally has a product called the “First Period Kit.” OK, now for the coolest part: Remember when we said LOLA is subscription-based? That means that a totally customizable assortment of period products will land on your doorstep every four or eight weeks — and standard shipping is free. All you have to do is pick your products (choose only the products you’ll use — no need to pay for a whole box of super absorbency tampons if you’ll only need them for two days before you switch to regular). If you need to cancel or skip a delivery, you can do so anytime without fees; you’re never locked into a long-term commitment. Ready to start stressing less about your period? Penny Hoarder readers can use code PENNY25 for an exclusive 25% discount plus free shipping [on your first order]( (No minimum purchase required.) [TRY LOLA]( [Image] WORD OF THE DAY The one-size-fits-all budget (n): A magical method of organizing your finances that makes it SUPER easy and WAY simple to keep tabs on your money without you even really having to try. This type of budget just sort of works for everyone, all the time. And oh yeah, one last thing we should mention: It doesn’t actually exist. OK, did we have you going there for a second? It’s disappointing, we know — but there is no one-size-fits-all approach to budgeting. There are so many budgeting methods out there, and every guru says theirs is the best. But ultimately you have to choose the one that works for you and your unique financial situation. If you’re new to budgeting, don’t be discouraged by a bad budgeting week (or three). The longer you stick with it, the better you get — and with a few simple tips, [you can master budgeting once and for all](. [The Penny Hoarder] [Facebook]( [Instagram]( [Twitter]( [YouTube]( The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States You can [update your mailing preferences here]( or [unsubscribe]( from all email from The Penny Hoarder. Questions? View our [Privacy Policy]( . Having trouble reading this email? You can [view it online](.