Is a two-factor login actually worth the hassle?

Plus, checking vs. savings accounts, becoming an Amazon reviewer & more April 22, 2022 [The Penny Hoarder Daily Newsletter]( Hey Penny Hoarders, Today, we’re showing you how a few simple upgrades around the home can considerably [lower your monthly electric bill](. Speaking of bills, have you ever been asked to set up two-factor authentication when logging into your accounts? We explain what that is and [why it’s a good thing](. [Save Money]( [9 Energy-Efficient Home Improvements That Also Save You Money]( One bill you’ll (probably) never completely escape is the dreaded electric bill. What you can do, however, is take extra steps to make it more manageable. Invest money into upgrading your home now, and you’ll save a ton over the years. Here’s what you need to do. [Everything You Need to Know About Two-Factor Authentication]( It might be kind of a pain, but providing two forms of authentication to access your digital accounts keeps your private information a lot more secure. Here, we break down how it works and why you should use it. [Saying No to These 5 Things Could Put $3,104 in Your Savings This Year]( Being overly agreeable can cost you a fortune. It’s time to start embracing the power of saying no. The next time you find yourself in any of these situations, just say no and watch as the savings pile up. IN CASE YOU MISSED IT - [Wondering What to Do With Overripe Bananas? Try These 20 Recipes]( - [24 of the Best Personal Finance Books to Read in 2022]( [Make Money]( [How to Become a Top Amazon Reviewer]( [Checking vs. Savings Account: Which Is Right for You?]( These days, the line between a checking and savings account is starting to blur more than it used to, but there are important differences between the two account types. We spell them out so you know which type is best for your needs. [How to Spot and Avoid Student Loan Forgiveness Scams]( Paying back student loans is a stressful, expensive undertaking, so it’s tempting to jump at an offer that promises to slash your payments or even help forgive your balance. But scams are everywhere, and you could be left in worse shape than when you started. Find out how to spot the red flags. [Don't Let These Companies Continue to Rip You Off]( Big corporations keep profiting at your expense, and it’s time to stop letting them walk all over you. Here are four ways you’re being ripped off and what you can do to end it. Was this email forwarded to you by a friend? [Subscribe Now](. The Penny Hoarder [490 1st Ave S, Suite 800 | Saint Petersburg, FL 33701 | U.S.A.]( [View in browser]( | [Share with a friend](mailto:?subject=Check%20out%20this%20newsletter%20from%20The%20Penny%20Hoarder&body=Hey!%0D%0A%0D%0AI've%20been%20reading%20The%20Penny%20Hoarder%20newsletters%20and%20thought%20you'd%20be%20interested%20too.%0D%0A%0D%0AI%20get%20smart%20tips%20and%20strategies%20for%20making%20and%20managing%20money%20delivered%20straight%20to%20my%20inbox.%20Let%20The%20Penny%20Hoarder%20help%20you%20re-prioritize%20and%20improve%20your%20finances.%20Click%20here%20to%20see%20the%20newsletter%20I%20just%20read!%0D%0A%0D%0Ahttps%3A%2F%2Flinks.thepennyhoarder.com%2Fe%2Fevib%3F_t%3D23a8fe520b1043d0ac0c91a3ebd443bb%26amp%3B_m%3D73eb24719cb440b9a7bbea6e2bda4f05%26amp%3B_e%3DdQk98PIMSgMZuZJF8YenbO1qgjxz_93Ml4i6hfogFvCujS45ANtZ1BQpdlvD5SGZJBG0gYZX0QCOiEYbj7TvIdf4FB1Km_74yCsFsc7p80MUOLKFlPS__qrXpGI8pyvz%0D%0A%0D%0A%0D%0AIf%20you%20like%20what%20you%20see,%20sign%20up%20using%20the%20link%20below.%0D%0A%0D%0A [Mailing preferences]( | [Unsubscribe]( | [Privacy policy]( [Facebook]( [Instagram]( [Twitter]( [Pinterest]( [YouTube]( © 2022 The Penny Hoarder. All rights reserved.