Are you ready?

Ready to get a handle on budgeting once and for all? We can help [The Penny Hoarder] DAILY February 12, 2020 Hey Penny Hoarders, Here’s a Wednesday challenge for you: This afternoon, when things start to drag a little and you’re just not sure if you’ll even make it to 5 p.m., take some time to breathe deep, step outside and change up your routine a little. You’ll be amazed at how different you feel. We’re shaking things up a little today, too: We’re announcing something that we’re really, really excited about (hint: it has to do with budgeting). Plus, we’re talking about buying Valentine’s Day gifts on a budget and how to teach your kids about finances in the digital age. Let’s dive in! [Save Money]( These 9 Tips Give You Major Bang for Your Bouquet on Valentine’s Day Listen, our first rule of holidays and gift-giving is this: If you don’t have the money, don’t go into debt to show your love for someone. Find inexpensive (or totally free!) ways to celebrate instead. That said, our second rule of holidays and gift-giving is this: If you’re going to spend money, try to avoid surge pricing and those markups that happen because of thematic packaging. Buying chocolates? The regular chocolates will “say” the exact same thing as the red, bedazzled, heart-covered chocolates. Of course, when it comes to flowers, scoring savings takes a little more planning and effort — but it’s not impossible. Here’s what you need to know to save big on your Valentine’s bouquet. [Read Now]( [Budgeting Bootcamp]( Become a Better Budgeter: Sign Up for Our Budgeting Bootcamp! We’ve created a two-week budgeting bootcamp experience that will walk you through the process of building a customized budget from the ground up, complete with simple steps for getting started, smart tips for avoiding the most common budgeting mistakes and realistic action steps to help you make budgeting a habit. [Sign up here]( Like Big Books and You Cannot Lie? If you’re an avid reader but have to do adult things like earn a paycheck to pay your bills, finding time to read can be tough. But what if you could read books and get paid for your efforts? Here are [seven publishers that will actually pay you to read books]( and write your honest thoughts about them in the form of book reviews. Get Your Red Pen Ready Hate mispelled misspeled incorrect words? SmartBug Media is hiring a remote part-time copy editor with at least two years of experience. [Here’s how to apply](. In The Penny Hoarder Community This week in the community, one member got inspired by a post right here in our newsletter (the one about family budget meetings) — and is now looking for ideas for teaching her son the value of a dollar. She wants to institute regular budget meetings so she can give him a strong financial foundation, but she’s worried he already has some bad habits she might need to help him unlearn. Have any advice, tips or tricks you use to teach your kids concrete lessons about money? [Share them here]( Today's Quick Picks - Women are incredible, and we’ve got the stories to prove it: These women are [sharing their tips and secrets for financial success]( — and you can even start using some of their strategies right now. - No matter how cognizant you are of your spending habits, there are some bills you can’t escape. [Here’s how to at least make sure you’re not overpaying for them](. [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](.