Do you really need to pay for a professional dog trainer?

Plus, noteworthy checking accounts, student loan changes & more [The Penny Hoarder] DAILY DAILY November 8, 2021 [Alternate text] [The Ascent]( Hey Penny Hoarders, Today, we’re showing you how to make sure your brand-new furry friend is a very good dog without dealing with the high cost of a training school. Plus, if you’ve ever wondered how to reach the coveted 800 credit score club, we’re pulling back the curtain to reveal all the tips and tricks. [Save Money]( [4 Surefire Ways to Train Your Dog at Home]( Adopting a dog is one way to overload your home with cuteness, but these furry pals are also a whole lotta work. Training is a must, but hiring a pro costs a pretty penny. Instead, use these at-home approaches to take on the task yourself, saving a ton of money — and your furniture. [READ NOW]( [What to Do if Your Student Loan Servicers Steps Down]( Student loan servicers — aka those fine folks collecting your monthly dues — are getting out of the business in droves. That means millions of borrowers’ accounts will transition to new providers in the near future. Find out what exactly this entails — plus, everything you need to do to prepare. [Credit Scores]( [9 Secret Habits of People With Credit Scores Above 800]( by Robin Hartill, CFP® [7 Best High-Interest Checking Accounts for November 2021]( Tired of the same ol’ boring checking account, one that just sits there, holding your funds but ultimately doing nothing to really help your financial situation? It’s time to check out some high-interest options. (Yes, they do exist!) We tracked down seven options with APYs that are worth celebrating. [Alternate text] [The Ascent]( Budgets Roasting on an Open Fire If you aren’t taking advantage of cash-back opportunities for your everyday shopping excursions, you might as well be setting your money on fire. This is especially true as we enter the holiday season, when spending kicks into overdrive for most people. How much more do people shop? According to a survey by [The Ascent]( Americans spend an average of $882.45 on Christmas gifts, food, decorations, travel and other assorted expenses. That’s a whole lot of cash-back potential just begging to be tapped. The survey also reported that most shoppers stuck to their budgets, though 36% admitted to letting the spirit of holiday generosity get the better of them. However, the vast majority opted not to open a cash-back or travel-reward credit card to help soften the blow to their bank accounts. While you might think you’re making the right move by avoiding credit cards, it all comes down to using them wisely. In other words, if you can stick to your budget and pay off your full balance, you’ll be in good shape. Why? Because when you do that, a cash-back card can actually [put more money back in your pocket](. That’s exactly what happens with this cash-back credit card tracked down by the Ascent. With it, you could pull in as much as $75 in rewards just for shopping at places like Amazon through the end of this year. How’s that for a holiday treat? We don’t know about you, but we think saving money is a whole lot better than burning it up. Save the fires for roasting chestnuts. [LEARN MORE]( SPONSORED Today's Quick Picks - [If Your Paycheck is Over $1,500, Make These 6 Moves Before Payday]( - [10 Quick Steps That’ll Have You Managing Your Money Like A Millionaire]( - [4 Surprising Ways People Are Earning an Income Without Leaving the House]( - [18 of the Absolute Best Freebies We’ve Ever Found Online]( - [50 Ways to Make Extra Money This Month]( 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%3D455b3242ae934ee6aede720938f2a7b6%26amp%3B_e%3DQ9HRboPT4paiuDQ16a7sHUSZMV4pg5dmfX1JmnkHi4vv36MZWTj4cMC1GrRil_tI04Hm-RF7B5mLXL3J97AvjIA9mCnlw734L_q3oMZ8gz48DAda_r2JtM3miACXBwD7%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](.