This family money conundrum is a doozy

Plus, how to *actually* accomplish your goals, why you should keep that slimy spinach and more [The Penny Hoarder] DAILY DAILY February 2, 2021 Hey Penny Hoarders, Do you have a few friends who can’t stop talking about how the new Netflix series “Headspace: Guide to Meditation” has changed their life and their brain? Us too. If you’re looking for your own bit of zen, we found [seven free (or really cheap) meditation apps]( to get you onto the mindfulness path. [Save Money]( Make Your Money Resolutions SMART Goals That You’ll Actually Achieve Sure, it’s easy to make New Year's resolutions — it’s the keeping them part that’s hard. If your well-intentioned resolutions tend to fizzle out a few weeks in, it’s time to change the way you’re setting goals. Yes, we know setting a goal to get better at setting goals is a little meta… but designing SMART financial goals will help you get where you want to be with your money. Here’s how to do it. [READ MORE]( Dear Penny… This One’s a Doozy “I don’t want to hold my sister’s past mistakes against her… but she has been very irresponsible in the past.” This week’s letter-writer has a dismaying dilemma on her hands — and a lot of people’s financial futures are in the mix. [Dear Penny’s response]( When someone tells you they’re about to behave terribly, listen. [Save Money]( [Here’s How to Stop Throwing Out Half-Eaten Bags of Slimy Spinach]( by Anna Brugmann Looking for a Work-From-Home Job? Check out our work-from-home jobs portal! Every day, we scour the internet for remote job opportunities to share. We vet each job and company, and we make a note of things like schedule requirements, pay and benefits where applicable. [See what’s new today]( SPONSORED [Wise Bread]( Cash Back Is King Imagine if every time you filled up your tank at the gas station, the gas pump just… spit out extra cash. That’s kind of what it’s like using [this cash-back card]( You’ll get a whopping 3% cash back on your choice of categories like online shopping, dining, travel and gas — plus a whole lot more. That’s basically unheard of for a card with no annual fee (oh, did we not mention that part yet?!). Plus — because yes, this gets even better — qualified cardholders earn up to an extra 75% bonus rewards, meaning you could score as much as 5.25% cash back on online purchases. Add in the fact that you’ll pay zero interest for the first 12 months and you’ll get a $200 bonus offer — and it’s no wonder Wise Bread is calling this [the best cash-back card to hit the market](. [LEARN MORE]( SPONSORED Today's Quick Picks - Need some wiggle room in your budget? A free website called [Savvy will help you find the best car insurance rates]( — in just 30 seconds. (In fact, it saves people an average of $826/year!) - So you got your paycheck and settled up on bills… what’s next? Here are [six simple steps that will help you level up before next payday](. - Frustrating news: There are companies you’re using right now that are totally taking advantage of you. Some in a really big way. [Here’s how to fight back](. 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%3Dc155233246b74acf8d01f07d5cc75b3c%26amp%3B_e%3Dn8R7PZB8wjryEdaDF1aj7hKPJLlK4LmIKoSguXliqSOq4b30WdMOPCeapMbZcH4KtED2R9Vy8l4OjP-BhsQM5cYQtuGwalJKeEWexDto8jA2oblrjLq1MpFo2pyLn8AO%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](.