Wouldn't it be nice...

to have an extra $100 or so in your budget each month? This company can help [The Penny Hoarder] DAILY September 12, 2019 [Sponsored By:] [iLendingDIRECT]( Happy Thursday, Penny Hoarders! You know that feeling when you wake up in the morning, see the way the light hits just a little differently through the window, feel the slight temperature shift from hot to slightly-less-hot and you just know that fall is coming? Yeah, we haven’t gotten that in Florida yet this year — but we’re desperately eagerly anticipating it. Today, as we wish for even a five-degree drop in temp (pretty please?!), we're talking about a company that can help you score a lower interest rate and save big on your car loan. [Roth IRA]( What Is a Roth IRA? A Simple Explanation Even a 5-Year-Old Can Understand If you’re a little embarrassed to ask after all this time, it’s okay. Today, we’re tackling the tough questions for you and asking, “What exactly is a Roth IRA?” Retirement investing is a confusing mess of acronyms and IRS-speak. But it’s [information you need to know]( to start saving. [save on food]( [10 Smart Ways to Save on Food While Traveling]( by Nicole Dow Tech Yeah! Attention women in tech: This virtual career fair on Sept. 25 could be your ticket to landing a job at American Airlines, Apple, Honeywell, Verizon and other big-name employers. Check out [details about the event here]( and then learn how to prepare for a virtual job fair. Talk About Benefits The tight labor market has employers offering to pay for college to attract new workers and keep their current ones. Disney, Starbucks and Walmart all have robust programs that cover the costs of bachelor’s (and sometimes master's) degrees at several universities. The best part? In all three cases, [even part-time employees are eligible](. [Sponsored By:] [iLendingDIRECT]( Wouldn’t It Be Nice… You know the feeling: Every month when it’s time to make your car payment, you cringe. Visions of all the other things you could be doing with that money flash before your eyes as you watch your bank account take a major hit. But you signed on the dotted line, so now you’ll be forgoing vacations and pinching pennies until that car loan (with its ripoff of an interest rate) is paid off. Ugh. Wouldn’t it be nice to have an extra, say, $112 in your budget each month? Yes, yes it would be. Why’d we pick that figure? Well, because that’s how much money, on average, iLendingDIRECT saves its customers each month. [iLendingDIRECT]( is a BBB A+-rated automotive refinancing company that can help you refinance your car (or truck or boat or motorcycle or RV) loan, lower your interest rate and save big over time. It works directly with national credit unions, banks and other financial institutions to find the lowest possible interest rates and bring customized options straight to you. Once you find a new loan with a better rate, that rate will be locked in for the life of the loan, with no unexpected charges or fees — just total predictability. *Insert sigh of relief here.* Now, we know refinancing might sound like a whole big ordeal, but it isn’t. iLendingDIRECT makes the process of securing a lower interest rate smooth and straightforward. It breaks it down in easy-to-understand terms so you know exactly what’s going on every step of the way. If you’re ready to free up a chunk of your budget for other things in life, [refinancing your auto loan]( with the help of iLendingDIRECT is a smart place to start. [LEARN MORE]( [Image] Word of the Day Perkins loan (n): A need-based federal student loan designed for undergraduate and graduate students who showed exceptional financial need. In September of 2017, the Perkins Loan Program ended — but anyone who took out a Perkins loan is still on the hook to pay it back. If you’re working in public service, however, you could potentially have your Perkins loans canceled (say whaaa?!). It’s true: Here’s [what you need to know about the program]( that helps public service workers wipe out debt. Follow us on: [Facebook]( [Instagram]( [Twitter]( [Pinterest]( [YouTube]( [Image] The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States [Update mailing preferences](. If you no longer wish to receive emails, [unsubscribe here](. Questions? View our [Privacy Policy](. [View this message in browser](.