Treat yo’self:

Don’t forget “fun money” when you’re making your budget [The Penny Hoarder] DAILY September 17, 2019 Happy Tuesday, Penny Hoarders! The new iPhone models have officially dropped — at least for preorder and our online viewing pleasure; they won’t actually be in stores or in customers’ hands until Friday. But while we do think the purple one is pretty sweet (if you haven’t noticed, purple is kind of our color), we’re carefully considering just how highly to prioritize the latest tech gadgets in our budgets. To each their own! Coincidentally, today we’re talking about exactly that: When is it smart to prioritize “just for fun” things in your budget? [budgeting]( All Bills and No Fun Makes a Very Dull Budget. Here’s How to Do Better This time, you’re sure: As you allocate a portion of your paycheck to your savings, your debt payoff plan, groceries and gas, you’re confident that this is the month you’re finally going to stick to your budget. How hard is it, really?! Um, very. Especially if your strict budget doesn’t allow for a little fun here and there. [READ NOW]( [credit card debt]( [How a Credit Card Could Help You Rebuild After Bankruptcy]( by Tiffany Connors At Your Service Do you have customer service experience? Are you bilingual in English and Spanish? Do you desire remote work — starting at $15 an hour? (Um, yes please!) If so, [this job with Allstate]( might be right for you. Hey You! Yes, you! If you’ve ever used Tello, the discount phone service provider, one of our writers would love to hear from you. If you’re willing to share your experience, email Carson Kohler at [Carson@ThePennyHoarder.com](mailto:Carson@ThePennyHoarder.com?subject=Tello Feature Story Opportunity), and you could be featured in a story on our site! In The Community [Community]( Let’s talk extended warranties: Are they worth it? One Penny Hoarder just bought a new car and decided to forgo purchasing the extended warranty — at least for now. What would you have done? [Share your thoughts here]( Word of the Day Credentials (n): An all-encompassing term that covers any type of learning that results in an achievement, like a degree, a license, a certificate or a certification. With employers scrambling to fill open positions, an applicant’s credentials could be the key to getting noticed. Luckily, there’s a cost-effective way to add credentials to your resume: enrolling in a community college. Community colleges can be an access point for apprenticeships, credentials, makerspaces and more; [here’s how to use these local schools to find opportunities]( for making money and enhancing your career. 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](.