If only Santa delivered groceries

These inflation hacks will save your budget. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/ee1dedcd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNjZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=u-wqXKiDRSlXfI4mnk3HUJULJYC3rW5j-5LGR_-cwOg)   Have you seen the trailer for the new “Barbie” movie? It. Is. Epic. The beloved doll’s bubblegum-pink world comes to life in a glorious spectacle that finally proves life in plastic really is fantastic… especially since Barbie doesn’t have to worry about things like budgets and skyrocketing prices. Unlike us. Thankfully, we have [these cost-cutting tips](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/2030ca19?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNjZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL21vbmV5LXNhdmluZy1oYWNrc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=8sRYfw53FK5wbcaJqEBgB9T9G7BLfPuXBXDe6hyfIgE) to help.     63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/2604bad8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNjZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL21vbmV5LXNhdmluZy1oYWNrc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=RKF6WNQ6HWiKdx4HFaidjvGCvhSQNlBV74snXnh9HRI  [33 Hacks to Save on Groceries, Entertainment and More](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/9faad0e4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL21vbmV5LXNhdmluZy1oYWNrc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=SrCWzasIAPwB_GCm9mUKDavyKtg_MZlqtp0CGffAVb0)  Inflation is like that houseguest who continues to overstay their welcome. Nobody’s happy about it. (Not us regular folks, anyway.) But no worries, because we’re sharing our top money-saving moves that will almost make you forget how expensive everything is.     [Do I Have to Send a Gift if I Was Uninvited From a Wedding?](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/a238a138?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2J1ZGdldGluZ1wvdW5pbnZpdGVkLWZyb20td2VkZGluZ1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=ii6nlAw_S_O5-XZ8PXEoMVVRtUuCrDwKKr_X7sav67E)  Dear Penny — My sister’s stepdaughter is getting married. I got a non-personalized note saying my family was cut from the guest list, but the note included their registry info. Am I required to send a gift?          63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/49ba6aa7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by1zYXZlLW9uLWhlYXRpbmctYmlsbFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=1vS2R5olDTXMdrYc12f-79kc8JOeCUKAnw73jrRe-eA  [Baby, It’s Cold Outside](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/62964cc9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by1zYXZlLW9uLWhlYXRpbmctYmlsbFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=9fEHb5WtCpWCLLqjdhV81LK4RnBba8bIHKggMPYx4IM)  It’s only just begun, but winter sure is packing a punch. As temps continue to drop, staying warm is an increasingly costly battle. Here are eight ways to keep your heating bills from burning a hole through your wallet.          [Do These 6 Things Before 2023](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/99fa5a74?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2J1ZGdldGluZ1wvZW5kLW9mLXllYXItbW9uZXktbW92ZXNcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=Bekw-w0-I15Gcsm4rXiwMIEFeM2yXqEre2iMObXfIPQ)  We know you still have a million items on your to-do list, but trust us when we say: You should make these six money moves before the year is up. They’ll set you up for a much brighter (and more lucrative) 2023.          [How to Make Money When You’re Too Lazy to Function](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/5b3feb63?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkNSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbGF6eS13YXlzLXRvLW1ha2UtbW9uZXktcHJ0XC8_YWZmX3N1YjQ9YiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkX2JsdXJiXzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=UjwI1g7CXb_oy-eDBno90kZn6IBgP30czzEyz5097Hg)  Look, there’s no way around it: Some of us are just naturally lazy. How can a person make a little extra cash without, y’know… doing much? There are ways, but we should warn you: They will be incredibly easy.     [9 Ways to Make Money When You’re Up All Night](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/c7dfa1de?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkNyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbmlnaHQtb3dsLW1vdmVzLXBydFwvP2FmZl9zdWI0PWImYWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjIyJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMjImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiIsImxpbmtWYXJpYW50IjoiaGVhZF9ibHVyYl80X2FmZmlsaWF0ZV9vZmZlcnMifQ&jwtS=8xu6oWkVJZjxRCZYM-8M5DyMIzFveRxBEX2ZO33npL4)  Some people thrive when the sun calls it quits. There’s nothing wrong with being a night owl, and even though everyone else is heading to bed, you still have tons of money-making opportunities at your fingertips — starting with these nine.     [Love Free Stuff? These 15 Companies Will Hook You Up](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/c8a11333?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=HgWa8FOiC-hZFjYorQQ2fDMlil1JTwk2YVFCOJM4Rdw)  Admit it. You’ll snag any freebie that comes your way… even if you don’t want it. We’re not here to shame your game, but we’d be remiss if we didn’t share our fave freebies. You won’t find any duds on this list.     [How to Take the Sting Out of a High Mortgage Bill](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/f921b48d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkNiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYWZmb3JkLW1vcnRnYWdlLW5leHQtbW92ZXMtcHJ0XC8_YWZmX3N1YjQ9YiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkX2JsdXJiXzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=SXqiFKL_T89gL_n4wAr72fuYTfyyF0tuPoBgiWYCT5k)  Do you cringe whenever it’s time to pay your mortgage? There has to be a way to soften the blow. Here’s how you can cut back elsewhere (plus earn a little extra) to make your life more manageable.          [Was this email forwarded to you? Subscribe Now.](63a36629f04acdc86b030fa0:ot:631faf77229f6550ab06f0cf:1/1fb86684?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzE3MDc0NDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTM2YWNiMWU3ZGM0NjNiODBmMmNkOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjIyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=LtUKZiJsY8_HUDEFfll3j1FIPmA5BdPjdBgNSIF6-XM)     © 2022 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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