Let’s make one thing clear...

Here’s what to know about saving (today and for the future), Dear Penny’s tips for building credit and more [The Penny Hoarder] DAILY DAILY January 12, 2021 Hey Penny Hoarders, Think buying an RV is the way to save money, stay safe and enjoy seeing the country? It definitely could be — but there's a lot more to consider before you start living the RV life. Here’s [how to criss-cross the country on a budget]( so that your spring-time travels don’t end up costing an arm, a leg and a fifth wheel. [Retirement]( Here’s Exactly How to Save for Retirement in Your 20s, 30s, 40s, 50s and 60s When it comes to retirement, the earlier you start saving, the better. But not all of us had the presence of mind — or the money — to start saving for retirement at age 20. Still, saving and investing aren’t necessarily “easy” no matter how old you are. So whether you have the advantage of still being in your 20s or your golden years are fast-approaching, here are some things to know about saving for retirement at every age. [WHAT TO KNOW]( Dear Penny… “I’m a housewife who does not work outside my home… My husband and I have had bad credit in the past. I want to establish credit in my name. Is there a way I can go about doing this?” [Dear Penny has some smart suggestions]( for this letter-writer, but first, she wants to make one thing clear. [Save Money]( [How to Save Money: 6 Step-by-Step Ways to Save Big Every Month]( by Mike Brassfield New Year, New Opportunities… For wronged consumers to seek restitution, that is. Check out this month’s list of class-action settlements to [see if one of these companies owes you]( money so you can kick off 2021 with a nice chunk of extra cash. Tech Yeah! Ready to upgrade your tech in 2021 — starting with the iPhone 12 Pro Max? We’ve teamed up with some other awesome brands to bring you the chance to win the latest iPhone. The Jan. 15 deadline is approaching fast — [enter here]( SPONSORED Today's Quick Picks - Are you one part of a couple? Great, because [we’ve got plenty of money tips from real couples]( who’ve paid off debt, improved their credit scores and built business empires. - We’re all doing a lot more online shopping these days. But while we assume Amazon has the best price, oftentimes, there are better deals hiding out there. [Here’s how to stop overpaying](. - It sounds too good to be true, we know. But there’s a company that will actually [pay you if you stick to your goal]( and lose the weight you say you’re going to. 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%3D64f2310502344be781e9cf0b121ea842%26amp%3B_e%3D2RCww99Rr20pBR2BGyM36P8gG8S31hhtyRpAcD9jn-3-sdtEZy88zhR91zMThytUXC2Z5ljcCrzTDcKTQq6pAbVqxdBf7jZ-T5tsrz0Yv4azjrAx10ScJx_xlE4ntOqo%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](.