The $5 challenge & smart ways to earn more in 2021

Here’s how to start 2021 off strong — plus, unique ways to make money, forced retirement and more [The Penny Hoarder] DAILY DAILY January 4, 2021 [Alternate text] [Wise Bread]( Hey Penny Hoarders, New year, new you, new side gig. (Or something like that.) One side gig opportunity that boomed last year — and that we’re projecting will remain in high demand at least for the foreseeable future — is the delivery app job. To help you decide between the gaggle of app-based delivery gigs out there, we put together this [handy guide to the top 10 apps on the market](. [Save Money]( Challenge Yourself to Save More Money This Year — One $5 Bill at a Time Up for a challenge in 2021? The five dollar challenge is a simple money-saving strategy — one that doesn’t involve much thought or effort. You don’t have to do any math. You don’t have to cut back on spending. You don’t have to put aside an obscene amount of money each month. Come to think of it, this challenge might not really be very “challenging” at all! But it can help you save big over the course of the year. Here’s how it works. [TRY THE CHALLENGE]( Matchmaker, Matchmaker, Make Me Some Money Yesterday was “Dating Sunday,” an unofficial holiday marking what’s said to be the busiest day of the year for online dating apps and websites. But even if you’re not looking for love yourself, you could still get lucky on the dating apps — at least financially. Check out these [four legit ways people are making money in the world of online dating](. [Retirement]( [10 Ways to Adjust Your Plans When You’re Facing Forced Retirement]( by Robin Hartill, CFP® [Wise Bread]( What You Need Is a Little Inspiration Waaaaay back toward the beginning of 2020 (remember that time in our lives?), you were cooking meals at home — and saving a lot of money. Even though grocery costs were rising, you were saving a ton by not ordering out. But then you got tired of your go-to recipes… and you started shelling out for delivery. What you need is a little inspiration, and [that’s exactly what we’ve got here](. [Alternate text] [Wise Bread]( Why Not Do What’s Best For You? You want what’s best for your kids, and you want what’s best for your parents. You want what’s best for your dog, and you want what’s best for your best friend — so why wouldn’t you also want what’s best for you? Enter what the folks over at [Wise Bread]( are calling the best cash-back card of the year. (Heck, one reviewer is even saying it’s the best one he’s seen in his 10 years of reviewing credit cards!) But what exactly is so good about this particular card? It all starts with a $200 online bonus offer, and the perks just get sweeter from there. We’re talking: - A whopping 3% cash back on your choice of categories, including online shopping (at any online retailer), dining, travel and gas. - 0% intro APR for the first 12 months. - No annual fee. Unlike some other cash-back cards on the market, the categories don’t automatically rotate — so you’re in control of which category earns you cash back and when. Plus, if you’re a Bank of America Preferred Rewards client, you can earn up to an extra 75% bonus rewards, meaning you could actually score as much as 5.25% cash back on online purchases. A cash-back card like this with no annual fee is pretty much unheard of (except, well, it’s not — because you’re hearing about it right now). So why not do what’s best for you this year? Learn more about what Wise Bread is calling [the best cash-back card to hit the market](. [LEARN MORE]( SPONSORED Today's Quick Picks - Sure, investing sounds like a lot of work — but it really doesn’t have to be. In fact, some of our [favorite ways to invest]( right now could be considered downright lazy. - Don’t go into another year resigned to being in debt foooreeeeveeer. [Here are a bunch of bizarre strategies]( you probably didn’t realize you could use to help you pay it off. 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. 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