Do money-saving challenges *really* work?

Plus, the real estate market, investment tips & more [The Penny Hoarder] DAILY DAILY January 3, 2022 Hey Penny Hoarders, We’re eager to kick off the new year on the right foot, so we’re giving you a slew of options to save money and work your way toward financial independence. Plus, we have the scoop on what the real estate market is expected to look like — for both buyers and sellers. [Home Buying]( [In the Real Estate Game, ’22 Is Going to Look a Lot Like ’21]( The real estate market has been interesting lately, to say the least. But with 2021 officially behind us, we’re taking a look at the upcoming year and what we expect to see in this ever-changing industry. [LEARN MORE]( [5 Money-Saving Challenges That Will Help You Save an Extra $1,378 in 2022]( Ready to give your savings a much-appreciated boost while making a game of it? We have five different challenges that give you new, easy-to-digest ways to start setting aside money without feeling overwhelmed. In Case You Missed It Check out some of our recent top stories! [Here’s How You Can Make up to $500 an Hour (Really!) to Share Your Opinion]( [10 Ridiculously Cheap Bottles of Champagne for Your Next Celebration]( [Investing]( [9 Investing Tips for 2022 That Rich People Know by Heart]( by Robin Hartill, CFP® [6 Things We Learned About Selling a Home in 2021]( The last year has been an undisputable seller’s market. While a lot of things have changed in real estate, some strategies still ring true. Here are the biggest lessons we learned in 2021. Today's Quick Picks - [The System Is Rigged. Here’s How to Not Let it Rob You Blind]( - [You Won't Be Broke for Long After You Start Doing These 4 Simple Steps]( - [This 7-Day Challenge Will Help You Finally Organize Your Finances This Week]( - [21 Side Hustles for Women That Bring in at Least $1K a Month]( - [If Your Paycheck is Over $1,500, Make These 4 Moves Before Payday]( 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%3D4a59734ba3df47188865234e42456410%26amp%3B_e%3DUt_dIlTqqnPREhcfcsopgHm1XjvyNnCZup9Lf4qfGKW8u9wy6Gswlzo4-DX6kW9ucqzoZFQ3gYmtnNkPBNc7fyWrFjFdWsbTeK0pLMupuY-DUiFJ8YU0YyqnTfhCNzaB%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](.