Almost *too* easy

Here’s how to save money the easy way — and do something for you this year [The Penny Hoarder] DAILY January 16, 2020 [Image] [Dobot]( Hey Penny Hoarders, We hate to keep harping on the weather — but it’s starting to remind us of that one Katy Perry song (we’re talking about the one called “Hot N Cold,” FYI). Maybe someday we’ll understand how to dress for weather that rotates through all four seasons by mid-afternoon… but today is not that day. Today is, however, the day we’re going to talk about biking to work, earning more money when you’re paid mostly in tips and an almost-too-easy way to save money this year. [Save Money]( I Save $75 a Month by Biking to Work. Here’s How I Got Started OK, we know it’s still a little, well, frigid out there, but before you know it, it’ll be warm enough to bike to work. If you’ve ever considered switching to a car-free commute but aren’t too sure about the “perpetual helmet hair” issue or the whole “weather” thing, we’ve got some info that might seal the deal for you: Penny Hoarder senior editor Robin Hartill was able to ditch her monthly parking costs by biking to work, saving a whopping $75 a month (and that doesn’t even include gas and car maintenance costs). It wasn’t exactly easy at first, but she learned a lot of lessons through trial and error — lessons she’s willing to pass on to you so you won’t have to do the same. Here’s everything she wishes she’d known before she tried bike commuting. [Retirement]( [Make Money]( [Working for Tips? These Strategies Will Help You Earn Even More]( by Steve Gillman What’s Next? If overdraft fees are a thing of the past for you, you might be feeling… comfortable with where you’re at financially. But if you’re making “comfortable” money, it’s time to think about what’s next for your finances. So what’ll it be? Do you want to invest? Plan for the future? Pay off debt? [We’ve got some ideas for you](. Sweet ‘Fits Online education company Lambda is expanding its student operations team, starting with an online community moderation manager. This [full-time, fully remote position comes with unlimited PTO]( plus a bunch of other pretty sweet benefits. [Image] [Dobot]( Almost Too Easy Some resolutions aren’t easy to keep up with throughout the year. You can’t automate your workouts, and if you’ve found the secret to magically having a healthy dinner prepped and ready for you when you get home… honestly we’d love to hear it. Yeah, not all resolutions are easy to keep. But if one of your goals for 2020 is to save up a rainy day fund, the [automated Dobot savings app]( makes it easier than easy. Dobot helps you save in two ways: With Smart Savings, Dobot will move small, safe amounts of money into a separate account for you every few days. With Scheduled Savings, you decide how much and how often, and Dobot will take care of the rest. Either way, you won’t have to lift a finger. The coolest part? This year, Dobot wants to help you take steps toward financial health by helping you tuck away at least $500. Each month during the 2020 Money Movement contest, Dobot will match up to $100 in savings for five users who are saving toward their “Future Me” goal. All you have to do is download the free Dobot app and connect your checking account, create a “Future Me” goal with a target date in 2020 and set a target amount of $500 or more. (Yeah, it actually is that easy.) Worried about the whole “automated savings” thing? Don’t be. 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.) So, if you’re ready to do something for Future You — and finally see one of your resolutions through — [download Dobot today]( and join the 2020 Money Movement. [Dobot]( [Image] [Word of the Day]( 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](.