Complete this challenge, and you'll end up nearly $700 richer

Plus, end-of-year money moves, investing for beginners & more [The Penny Hoarder] DAILY DAILY December 21, 2021 Hey Penny Hoarders, Is the idea of setting money aside to save a little overwhelming? If so, we found a challenge that’s perfect for you. Plus, if you’re thinking about taking a crack at investing, we have the lowdown on two apps that will help get you started. [Save Money]( [The Penny Challenge: Do This and Save Nearly $700 a Year]( Social media is teeming with challenges, but most of them serve little-to-no purpose and just leave you feeling silly by the end. We have one that won’t embarrass you and will make you $700 richer by the time it’s done. [LEARN MORE]( [Dear Penny: Do I Have to Work Forever After My Ex-Wife Bankrupted Me?]( My ex-wife’s spending disease led to $100,000 in credit card debt. We filed bankruptcy and divorced, which drained my 401(k). Now I’m almost 68 with nothing. Do I have to work until I die? In Case You Missed It Check out some of our recent top stories! [Are You Making a Huge Mistake if You Take Social Security at 62?]( [Dear Penny: Are We Stuck Paying My Husband’s Friend’s Student Loan Forever?]( [Budgeting]( [6 End-of-Year Money Moves to Make Now and Set Yourself Up for 2022]( by Molly Moorhead, CFP® [Investment App Showdown: Which Is Right for You?]( Most new investors agree that getting started is a matter of choosing between two apps: Stash and Acorns. See how they stack up against each other — and which one ranks superior for us. [Is Your Spending Spiraling Out of Control?]( With most people’s spending in overdrive this time of year, the state of your credit is probably on your mind more than usual. We’re here to help! Sign up for our Credit Card Debt Bootcamp, and we’ll help teach you how to get your debt under control. SPONSORED Today's Quick Picks - Looking for a way to grow your money fast? We have the scoop on [one banking service]( that rewards you with 3% APY just for setting up a qualifying direct deposit. - Sometimes it pays off to spend a little. These four things require a little money up front, but [the long-term payout]( can be totally worth it. - Ready to finally pay off your debt? The key to building a financially worry-free future could be as simple as learning [these four secrets](. - If you’re struggling to get your credit score above 700, making these moves can finally get you [moving in the right direction](. - Do you ever feel like the system is built to work against you? You’re not alone. This is how you can [take back control]( and get the upper hand. 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%3Dd0b5de32ecf64ee6bd8bec8364ccd7f6%26amp%3B_e%3DN2JF80H84BK9N3MX57Gt0WUNouUwF_DcKEJxLvx88ZpiTxmCXf8G3cs8DSQQg5Cc4PdWjmADCl6p03QaZHxoc98m_KRbzvrbAwV--38ztuLGu2igVGyOJKamyuRgmR0c%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](.