Dream it, do it

This app can help you turn your big financial goals into reality [The Penny Hoarder] DAILY September 24, 2019 [Sponsored By:] [dobot]( Happy Tuesday, Penny Hoarders! Today is National Punctuation Day, where we celebrate the power of the tiny symbols that make the distinction between telling your grandmother it’s time to eat (“let’s eat, Grandma!”) and, well, something else (“let’s eat Grandma!”). But as much as we enjoy nerding out about punctuation, we also enjoy talking about finances, which is why we’re talking about a cool app that can help you start saving money — without you having to lift a finger. [debt]( This Could Lower Your Monthly Student Loan Payment — but Is It Worth It? Since finishing college, you probably feel pretty educated on a lot of topics (and good thing, too, because that degree wasn’t exactly cheap). But if student loans and your options for making the payoff process slightly less stressful aren’t included on that list of topics, you’re in luck: Here’s a cheat sheet to help you make an educated decision on how to tackle your student loans. [READ NOW]( [save money]( [I Did it. I Broke up With Amazon Prime]( by Jamie Cattanach Dear Penny… Oh, the balance you’ll owe! This week, Dear Penny [advises a recent college grad]( on the best way to tackle those pesky things called student loans. [Sponsored By:] [dobot]( Dream It, Do It, Dobot A dream vacation doesn’t happen overnight. Sure, you could board a red-eye flight and literally get to your dream destination overnight — but that’s not really what we mean. What we’re talking about is the months of crunching numbers, scrimping and saving that go into paying for that dream vacation (or that date night or that new-to-you car or whatever you’re working toward). Whatever your goals are, saving money can be hard work. But Dobot makes it easy. [Dobot]( is a free app that can help you save money you didn’t even realize you had — automatically. Every few days, Dobot will move small, safe amounts of money into your Dobot savings. You might not even notice it happening, but over time, a few dollars here and there will seriously add up. Dobot is designed to not save money when funds get a little low, so you don’t have to stress about a particularly tight month — plus you can access your savings stash at any time. (And it’s totally safe; Dobot is backed by Fifth Third Bank.) As for those weeks where you have a little extra money in your paycheck, no worries there, either: You can transfer funds directly into your Dobot savings whenever you want. To start, [download the Dobot app]( and connect your checking account. From there, it’ll get to work, and all you have to do is sit back, relax and let Dobot do the heavy lifting. Hey, it’s almost like you’re on vacation already… [TRY DOBOT]( [Image] Word of the Day Sinking fund (n): A pool (or various pools) of money you regularly contribute to so you spread out the cost of predictable expenses over time. It’s a smart approach to saving for costly goals and infrequent expenses. So you have your emergency fund. That’s great! Now it’s time to start saving for those expenses you can largely see coming. Whether it’s the “just for fun” costs like a vacation or a new vacuum (ah, yes, adulthood is weird in that it can put vacuums firmly in the “fun” category), or the “less-fun-but-totally-necessary” ones like new tires, [here’s how to start a sinking fund](. 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](.