A facade only a mother could love.

Who buys ugly houses, why you need a credit score & how to get the most Social Security [The Penny Hoarder] DAILY DAILY February 18, 2021 [Alternate text] [Branch]( Hey Penny Hoarders, The pandemic-driven online shopping boom has given a boost to buy-now-pay-later services like Afterpay. They allow you to get on an installment plan right when you click the “purchase” button. [Here’s how Afterpay works]( — and why you still need to be careful about overspending when you use it. [Credit Scores]( Dave Ramsey Says You Don’t Need a Credit Score. 5 Reasons That’s Nonsense Anti-debt crusader Dave Ramsey is proud of the fact that he doesn’t have a credit score and says you don’t need one either. But the truth is, he can afford to be credit invisible. If you’re a regular person, not having a credit score makes life a lot more costly and complicated. Here’s why everyone who’s not a multimillionaire should ignore Ramsey’s credit score advice. [READ NOW]( Too Much of a Good Thing It’s such a satisfying feeling when you save money on groceries. But all the coupons and BOGOs in the world won’t help you if you discover your kids don’t like that cereal you got on sale and you end up throwing away bags of slimy spinach. We’ve found [16 simple ways to reduce food waste and make the most of your grocery budget](. [Retirement]( [7 Ways You Can Get the Most Social Security for the Rest of Your Life]( by Robin Hartill, CFP® A Facade Only a Mother Could Love You’ve seen the signs plastered on utility poles: We buy ugly houses. But who’s buying them? And does your house have to be ugly for them to make an offer? [Here’s what you can expect if you contact a cash-for-your-house company]( including how to get the most money for your home and how to avoid shady buyers. [Alternate text] [Branch]( A Real Choice — That Could Help You Save Big This world is full of choices: picking a show to stream; deciding where to order dinner from tonight; or finding the perfect white button down for all those video meetings. But somehow, when it comes to insurance, options are… lacking. Basically, you can pick “Big Insurance A” or “Big Insurance B,” and you probably won’t notice a difference. Some choice, huh? Well, [a new company called Branch Insurance]( thinks you should have a real choice when it comes to car, home and renters insurance — and it could save you $598 a year*. All you need to do is enter your name and address. Branch securely gathers any other information it needs for you. Unlike with the Big Name insurance companies, after you review your coverage, Branch will instantly give you a real price — not a “quote” that’s subject to change. Plus, Branch customers who bundle their home and car insurance save even more. And if you use a home security service like Vivint or ADT, you can score even deeper discounts. Switching to Branch might be even easier than getting your instant price. Just pick “Stress-Free Switch” at checkout, and Branch will cancel your existing insurance policy for you once your Branch policy kicks in. So don’t go another day feeling like you don’t have a choice when it comes to insurance — because you do. [Check your price with Branch today]( and see how much you could be saving. [SEE MY PRICE]( SPONSORED Today's Quick Picks - You can build a $1,000 financial cushion in as little as two months. Even if you feel like you don’t know where to start, [we’ve got eight tips to help you out](. - Get cash back on groceries and online shopping: [Install the free Ibotta browser extension]( shop as you normally would, and get alerts when cash back offers are available at your favorite sites! 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%3D145cf82235a94b7c89685a1126046e03%26amp%3B_e%3Da-oWHj1_qlsKL_EA1T_k1XdT9K_Akq5CFMAyGf0Xe1Gp3WkaD7Ijgta_f0xhPsyAzVAv6I51JtSdwkY8kgZdrfL14seZGWifjIKisyMMYWn5KNunhzWpYL4Ny_aKy3fB%0D%0A%0D%0A%0D%0AIf you like what you see, sign up using the link below.%0D%0A%0D%0A [Image] *Average savings reported by customers surveyed in January 2021. 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](.