If it works, it works

It’s time to create a budget that works for you — even if your income isn’t consistent [The Penny Hoarder] DAILY January 13, 2020 Hey Penny Hoarders, Who’s tuning in for season 24 of “The Bachelor?” It’s uh, off to some start, that’s for sure. But hey, if nothing else, it’s one of our top picks for a little something in the background as we work through the week’s budget and grocery list. Today, we’re talking about fun things (birthday freebies!), not so fun things (taxes!) and a whole lot in between. [Save Money]( 79 Places That Will Give You Birthday Freebies to Help You Celebrate Cool thing about humans: We all have birthdays. Cool thing that makes being a human totally worth it: A lot of places give food and other fun things to people on their birthdays for FREE. Cool thing about these 79 businesses we’ve rounded up: They’re the ones that will give you free gifts and food on your birthday — as long as you’re signed up a bit in advance. [Read Now]( [Budgeting]( [Here’s How This Freelancer Creates a Budget That Works]( by Nicole Dieker Comin’ In Hot(dog) Do you wish you were an Oscar Mayer wiener? Then apply for the job as [a hotdogger who drives the Wienermobile]( around the country for a year. Then everyone will be in love with you! (And you’ll get to drive the coolest of cool company cars.) Dear Penny… They started their careers during the recession with hundreds of thousands of dollars of college debt. They took low-paying, terrible, soul-killing jobs. They lived in a crumbling basement apartment with black mold. Now they’re financially stable and are looking to buy a home — but they’re nervous, [so they’re asking Dear Penny for help](. In The Penny Hoarder Community Are you doing a no-spend challenge this month? Before the new year, one Penny Hoarder brought up the idea in the community — and tons of other members jumped on board. They’ve been sharing their best tips, tricks and motivation for surviving a no-spend challenge. [Read all about it here]( Today's Quick Picks - Own a home? There’s a chance you’re overpaying for homeowner’s insurance. You have nothing to lose by shopping around. [Start by getting a free quote](. - Cell phone service can get seriously expensive, so we found [a company that’ll give you four lines of cell phone service]( for just $100 a month. [Word of the Day](www.thepennyhoarder.com/?p=125888&aff_id=86&aff_sub3=125888&aff_unique2=ITR-1257656&utm_medium=email&utm_source=daily&utm_campaign=DAILY200113&utm_content=make-money&sms=unsubscribedlp you.) 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](.