Last cake-mas, I gave you a tart

Smart tips for celebrating on the cheap, where to find work-from-home jobs and more [The Penny Hoarder] DAILY DAILY December 16, 2020 [Alternate text] [AgeUp]( Hey Penny Hoarders, Not using your credit card as much? Neither is the rest of the country. In fact, Americans have reduced their revolving credit (which includes credit cards) debt by nearly $120 billion since February, according to the Federal Reserve. If you’ve cut back on using the plastic, check out [these three safeguards to protect your unused credit cards](. [Save Money]( It’s Baking Season! Try These Easy, Frugal Cake-Decorating Tips From a Pro Cake: It’s what’s for dinner. OK, so that’s not how the saying goes… but after the year we’ve all had, let’s just agree that cake is a totally acceptable dinner option. Of course, if you’re going to be eating cake by yourself in your pajamas on the couch, you don’t really need to make it fancy. But if you do want to flex your “Great British Bake Off” skills for your family this holiday season, we put together this step-by-step guide to creating your own show-stoppers right there at home. [GET THE GUIDE]( Consumption Junction Already over the whole “buy, buy, buy” messaging that comes with the holiday season? Why not just buy… nothing? That’s the premise of “buy nothing” groups — and to be honest, we don’t see why you couldn’t [use a buy-nothing group]( to do some of your holiday “shopping.” [Investing]( [Warren Buffett Hates These 5 Investments. Here’s What to Invest in Instead]( by Robin Hartill, CFP® Might Be Just the Ticket… Have a love for customer service? (Or, let’s be real, a desire for a paycheck and even just some experience in customer service?) A work-from-home customer service job [like this one with Quartzy]( might be just the ticket — but if not, no worries: We’ve rounded up lots more remote roles in our work-from-home jobs portal. [You can see them all here]( [Alternate text] [AgeUp]( Times Are Changing… and So Is Retirement A hundred years ago, the average life expectancy was only about 54 years. These days, according to the Social Security Administration, one in three 65-year-olds alive right now will live into their 90s. That’s incredible… but it’s also a huge difference, consider the rising cost of living — and that the median retirement savings for people ages 55 to 64 is just $134,000. Simply put, many people are outliving their retirement savings. But there’s one smart solution: [AgeUp](. AgeUp can provide you with a constant stream of future income using something called longevity annuity. This will help ensure you won’t outlive your resources. You might be thinking this sounds expensive. But instead of making you pay a high upfront cost (think: $10,000), AgeUp lets you break up the cost into monthly installments as small as $25. Plus, payouts start at age 91, or a later age of your choice, meaning you’ll have a higher monthly income when payments start. Once you hit payout age, payments are guaranteed as long as you live, and AgeUp offers two plan options for your money should you die before your selected payout age. It takes just a few minutes to [enter your ZIP code and get your free estimate](. (If AgeUp isn’t available in your state yet, go ahead and input your info anyway. You’ll be notified as soon as it is!) . [GET MY ESTIMATE]( SPONSORED Today's Quick Picks - Want to get paid to lose weight? We’re not kidding: [This company will literally pay you]( if you stick to your goal and lose the weight you say you’re going to. - Yes, there is such a thing as free stocks. We know, we know. It sounds too good to be true, but you just have to know where to look — [and that’s where we can help you](. 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%3D2cbf6b5acd5c4bf68377cc32e41d5004%26amp%3B_e%3D_FPa0bU0IXiCet-QLWsIm5BxYerZKQpQ7PEMCtWHc3aRWmRki5Wf6W1nt5ymBbDRkuWmzS2Iq4b5hQH7tGnKcVu7koLGLd1goVhP5wUJ6HkDhbZhMA_Y1L5vhC-5AiO4%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](.