Raise the roof (and your paycheck)

How to ask for a raise, a company hiring 3K remote workers and tips for not getting ripped off [The Penny Hoarder] DAILY DAILY October 19, 2020 Hey Penny Hoarders, Real average hourly earnings increased 3.0% from September 2019 to September 2020, according to a U.S. Bureau of Labor Statistics report. So if you were earning $15 an hour at a full-time job last September, your annual income should have increased by more than $900 extra this year. Not seeing the extra numbers in your paycheck? [Here’s how to ask for a raise](. Today, we’re talking about getting bids on home projects (without getting ripped off), a company hiring 3,000 remote workers and a whole lot more. [Make Money]( How to Get Bids on Home Projects So You Don’t Waste Your Time or Money The shows on HGTV make it look so easy. Half an hour, a couple of power tools… and you’re all set, right? Nope. In reality, those renovations take a whole crew of workers months to complete — and cost tens of thousands of dollars. But even if you’re just hoping to have a ceiling fan installed or one of those trendy sliding barn doors hung, you may still need to call on an expert for help. So, we put together a guide to getting bids on home projects — big and small — so you don’t waste your time or money (or get totally ripped off). [LEARN THE SECRETS]( No Interest? We’re Interested A frustrating reality: Borrowing money can be expensive — which is prohibitive if you aren’t working with much money to begin with. A cool piece of info: Hebrew free loan associations [offer zero-interest loans to community members in need]( — and you don’t have to be Jewish to qualify for many of them. [Make Money]( [This Customer Service Manager is Hiring 3,000 Remote Reps Across the U.S]( by Adam Hardy Yippee Ki— Yayyy! No More Debt! There’s a new debt payoff method in town. If the debt avalanche and snowball methods leave you feeling a bit cold when you think of all the interest you’ll end up paying, consider the debt lasso. The debt lasso method involves corralling your high-interest debt into a low-interest one so you can pay down the principal balance more quickly — [and for less money](. Debits & Credits Fixing your finances requires a strong financial foundation — and that requires smart budgeting, a solid debt repayment plan and a good understanding of how credit and loans work. To help you learn the ins and outs of these core financial topics, we created Debits & Credits, a monthly newsletter devoted to all things credit, debt and budgeting. Update your preferences [in the preference center today to opt in to receive our monthly Debits & Credits newsletter]( tomorrow! SPONSORED Today's Quick Picks - It’s time to work on your $1,000 emergency fund. We’ve got eight tips to help you out, and if you follow them all, [you could have an extra $1,000 (or more!) in two months’ time](. - Need some wiggle room in your budget because… life? We’ve got you covered: We came up with [a list of 50 creative ways]( you can make a bit of extra money this month - Whether you’re trying to up your work-from-home game or start your holiday shopping early, you’ve come to the right place. [Check out these deep discounts and deals on all things tech]( Follow us on: [Facebook]( [Instagram]( [Twitter]( [Pinterest]( [YouTube]( [SHARE WITH A FRIEND](mailto:?subject=Check out this newsletter from The Penny Hoarder&body=Hey!%0D%0A%0D%0AI've been reading The Penny Hoarder newsletters and thought you'd be interested too.%0D%0A%0D%0AI get smart tips and strategies for making and managing money delivered straight to my inbox. Let The Penny Hoarder help you re-prioritize and improve your finances. Click here to see the newsletter I just read!%0D%0A%0D%0Ahttps%3A%2F%2Flinks.thepennyhoarder.com%2Fe%2Fevib%3F_t%3D23a8fe520b1043d0ac0c91a3ebd443bb%26amp%3B_m%3Ddf2c2ac833894391956bb2270008c8a4%26amp%3B_e%3D_GpywKnaGGdVNRCrjXP3WGwn5fdhNz-cyOYWXnRONUWQt98cNCDVc3Tn9mcmwQwaWw4nuy_WWSAxto2CIId5EYGTWSZksiuAlJYezlUigDmiPRaRMSaRKggVqcNwuAVZ%0D%0A%0D%0A%0D%0AIf you like what you see, sign up using the link below.%0D%0A%0D%0A [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](.