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Here’s how to work fun — and peace of mind — into this month’s budget [The Penny Hoarder] DAILY January 31, 2020 [Image] [Bestow]( Hey Penny Hoarders, Happy Friday! It’s almost the weekend, we’re pretty much done with January and that direct deposit just hit. Yeah, it’s gonna be a good day. As you sit down with your budget this weekend to prep for the month ahead, we’ve got a few things for you to keep in mind: First, don’t forget to do something nice for you this month in the form of a little “fun money.” Then, think about investing in a little peace of mind in the form of a life insurance policy. Read on to learn more about the two major money moves we think you should consider this month. [Budgeting]( All Bills and No Fun Makes a Very Dull Budget. Here’s How to Do Better Life is too short to just work and pay bills and pay bills and work. Everyone deserves to enjoy their hard-earned money and to treat themselves once in a while. (Yes, even you — and yes, even in the middle of your debt payoff journey!) This month, as you make your budget, don’t forget to include a line item for fun money. Of course, everyone’s definition of fun money will be a little different — it might be money you add to your vacation fund, an extra line-item in your budget for a trip to the movies, extra cash you give yourself to pour into a hobby — but essentially, fun money is what you spend to enjoy yourself. Whatever fun money means to you, it’s important to prioritize things that make you happy. Here’s how to do that responsibly. [Read Now]( [Taxes]( [Considering a Tax Refund Advance Loan? It May Cost More Than You Think]( by Riley Adams, CPA Ready or Not There is no “not” about it; of course you’re ready to pay off your debt! But maybe you feel like you’ve tried everything — and you just can’t seem to get on top of your balances. We’ve got your back: Here are [eight strategies you probably didn’t realize you could use]( to help you pay it off. Got IT Experience? Philips is [hiring a customer care specialist]( to troubleshoot technical problems for its healthcare division. The full-time job comes with some seriously sweet benefits, but it does require some travel. [Image] [Bestow]( Can You Put a Price on Peace of Mind? As much as you might like to think you’re invincible, the truth is, none of us will live forever. And if you have a family that relies on your income — a significant other, a child or even a relative you help out financially — it’s important to think about how they would manage without you. What would they do without your income? How would they pay the bills? How would your kids pay for college? If you don’t have good answers to those questions, it’s time to consider a life insurance policy. The good news? If you’re under the age of 54, [Bestow]( can help you get a fast life insurance quote without the medical exam, sales calls or even the need to get up from the couch. The whole process is quick and easy, and you can apply online in just a few minutes. Seriously: It takes as few as five minutes to answer some basic lifestyle questions, and you can get quotes for up to $1 million in coverage without a medical exam. If you’re approved, you can personalize your coverage to fit your budget (rates start at just $5 per month), and you can change or cancel your plan at any time. So give yourself the gift of peace of mind — and your loved ones the gift of financial protection — [with the help of Bestow today](. [Bestow]( [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](.