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How to claim work-from-home expenses & set up a pet emergency fund [The Penny Hoarder] DAILY DAILY January 28, 2021 [Alternate text] [Pawp]( Hey Penny Hoarders, It turns out President Joe Biden and First Lady Jill Biden are Peloton exercise bike fans. And while their biggest issue may be who gets to work out first each morning, yours may be a little more basic: Who can afford a $2,500 stationary bike? No sweat, we have [ways to get your workout on without dropping a bundle](. [Taxes]( 7 Things Anyone Working From Home Must Know Before Deducting a Home Office If 2020 meant switching to a work-from-home job, you may be wondering whether you can take a sweet deduction at tax time. Well, maybe. The IRS has strict rules about taking the home office deduction — and they’ve changed in the past few years. Here’s what you need to know about claiming a work-from-home tax deduction. [LEARN MORE]( What Instacart Layoffs Mean for You Grocery delivery service Instacart is laying off nearly 2,000 employees in the coming months as it shifts away from having shoppers embedded in stores. [What do the Instacart layoffs and changing services mean for your side gig]( [Save Money]( [8 DIY Facial Treatments You Can Make With Things You Already Have]( by Danielle Braff [Pawp]( Can You Afford to Lose Everything? When it comes to investing, do you live on the wild side? It’s fine to embrace a “no-risk, no-reward” philosophy, but some investments are so high-risk that they aren’t worth the rewards. Even if you’re a personal finance daredevil, [these investments should give you serious pause](. [Alternate text] [Pawp]( A Different Kind of Safety Net You love your pet. You’d do anything for them — including burying yourself in debt to take care of a sudden health emergency. But you shouldn’t have to do that. And in fact, not everyone has the ability to do that. Whether your credit cards are maxed out or you’re living paycheck to paycheck (or both), a pet health emergency could be devastating — for you and your furry friend. You know you need a backup plan, but pet insurance can be expensive and frustrating to navigate. That’s exactly why [Pawp]( the pet emergency fund, exists. Pawp functions as a financial safety net for unexpected vet bills — because you should never have to choose between a big bill and your pet’s life. When you sign up for a Pawp membership, you’ll get access to a $3,000 pet emergency fund that can be used to cover an emergency vet bill once each year. Unlike with insurance, there are no deductibles to meet and no network requirements. Pawp will work with any veterinarian to pay your bill for you before you leave the clinic. The best part? A Pawp membership costs just $19 a month — and covers up to six cats and dogs per household. There are no age, breed or medical history restrictions. Plus, your Pawp membership comes with unlimited, 24/7 access to licensed vets via chat or video call. You can ask questions, talk through your concerns and get advice whenever you need it — no more scheduling expensive office visits just to ask, “Is this normal?!” Better yet, when you [use code TPH10 before Jan. 31, you’ll get 10% off your first six months](. So don’t go through life scared of what would happen if you couldn’t afford an emergency vet bill. Sign up for your Pawp membership today [GET PAWP]( SPONSORED Today's Quick Picks - Ever considered a career in bookkeeping? You don’t need a fancy degree — just decent computer skills and a passion for helping business owners tackle real-world problems. [Here’s how you can get started with your own business](. - Ready to start investing — but not sure where to begin? An investing app called Robinhood will give you up to $500 worth of free stock (in companies like Visa and Microsoft) just for [downloading its app and opening a free account](. 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%3Dc97c19566e6148d2baf7b60d85723e13%26amp%3B_e%3DkmmiKCmhsGtUfQEhbfdnWkFn68Y5F8KMGbeCChjh3JHmSM1guN_uf8djEN-DtbLg4DqiMvGnPMb3RNfFtRGnYRmM1lrHm3zpRFadBQd-L9E97vaYO57Ap5EJEGzXgwkT%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](.