What do we do now?

Here’s how to maximize your space, what to know about the candidates and Social Security and more [The Penny Hoarder] DAILY DAILY November 2, 2020 Hey Penny Hoarders, The costumes were donned, the doorbells were rung, and the candy was collected, sorted, traded and, ultimately, put up out of reach to be doled out over the next six months. Or, maybe you went the stay-at-home route this year and watched some spooky movies on the couch. Either way, you spent Sunday in a post-Halloween haze, and now you’re looking at all the cleanup you have to do. Before you go trashing those pricy porch pumpkins, though, [we’ve got 21 ideas for how to reuse them so they don't go to waste](. [Save Money]( Full House? Maximize Your Space — and Make It Work for Everyone — With These Tips American houses and apartments are bursting at the studs. Students are moving home from college, out-of-work family members are moving in to cut costs, people are working and schooling from home... and with winter around the corner and the promise of many more days spent cooped up inside, you’re probably looking for ways to maximize your space. So, we came up with some smart ways to make the most of the space you’ve got (think: a drill, a sheet and some reconfiguration) that cost a lot less than adding on or leasing a bigger apartment. [MAXIMIZE MY SPACE]( Big Decisions Ahead Whoever occupies the Oval Office for the next four years will have some big decisions to make about Social Security benefits. About half of older Americans rely on these benefits for 50% of their income — making it a vital issue for the nation’s most reliable bloc of voters. [Here’s where each candidate stands](. [Make Money]( [Create Art, Don’t Starve: These 3 Creators Found Ways to Make Money as an Artist]( by Katherine Snow Smith Virtual Visits, Serious Savings The popularity of telehealth (i.e. virtual visits with medical providers) skyrocketed in 2020 — and for good reason. A virtual doctor’s visit can save you from encountering (and spreading) germs, but it can also save you time, travel and money. [Here’s how — plus, why many patients and doctors hope it stays popular even after the pandemic is over](. Get Smart(er) If this year has taught us anything, it’s the importance of being smart with our money — and safeguarding ourselves for the future. So, we’re launching Smart Money Moves, our newest monthly newsletter devoted to all things planning for the future: investing, retirement and so much more! Get on the list by [updating your preferences here]( — and then keep an eye out for Smart Money Moves, hitting inboxes on Nov. 11! SPONSORED Today's Quick Picks - 2020 has been a doozy — and a lot of things have changed. Here are [six pieces of financial advice that have gone out the window this year]( and what to do instead. - Doing more shopping on Amazon lately? Don’t miss out on savings. [This free service notifies you]( any time you’re shopping on Amazon and are about to get ripped off.* - It’s time to excel at Excel. In most offices, you need to know your way around a spreadsheet. [This online Excel bootcamp can help you master the basics]( (or brush up on your skills) — all for under $40. 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%3Da1c02c3f29a2416897ddf1171730d83d%26amp%3B_e%3DW95blVkPTCaV3PahHFBXKgHD17aQxuJFYiczZukbZfJ7KQ6rVCHY9CoIPIGwPoJ77imDEBdDVeERE66izlzyQS9QyuQLiv_icjYH8F-ApXpNchnPH_YyTCZ1_wVmzhno%0D%0A%0D%0A%0D%0AIf you like what you see, sign up using the link below.%0D%0A%0D%0A [Image] *Capital One Shopping compensates us when you get the extension using the links provided. 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](.