This place is a mess

Time for post-holiday decluttering. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/5e9b5207?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjYmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=67o75u9aN6xwBVNWZXG8SZIBgT-n_tWdTGDbZF-Vrtc)   Hope you don’t mind, but we’re tapping out of all work responsibilities today and enjoying a much-needed day off. Don’t worry, we aren’t going to leave you high and dry. We don’t roll like that. Today, we’re sharing some of our best money-making and -saving stories to get you primed and ready to start your new year on the right foot.     63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/29b887fd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2NoZWFwLW9yZ2FuaXphdGlvbi1pZGVhc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=8Qwl1bgAszfdf1wlDh1YFeDcSUm-lBKcaI7J3qS4AfE  [Where Do We Put All This New Stuff?](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/0bd0a796?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2NoZWFwLW9yZ2FuaXphdGlvbi1pZGVhc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=6OIr4HrRTlEngYwReApyiRnrVLxVTWn_Rm961xn0BzA)  The holidays are just about wrapped up, but what about all that stuff you unwrapped? Now is a good time to start organizing, before your new treasures become clutter. These 30 hacks will return order to your homefront without breaking the bank.     [Get Paid up to $900/Hour in Online Focus Groups](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/bb4767a7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3NpZGUtZ2lnc1wvb25saW5lLWZvY3VzLWdyb3Vwc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=jW5Xo5N6X6DiACH7W8qsDYd0I5m8rhlJtWTA9rsQLfw)  Who knew being opinionated could make you rich? Online focus groups can help you score some serious cash. We vetted these five sites that fill online focus groups with folks just like you. You could earn up to $900 for just one hour of your time.          63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/b4a996d5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2JhbmstYWNjb3VudHNcL3dvcnN0LWJhbmtzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjI2JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMjYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=FnhOm31IjnLF1mybdZPWFNtPntm8GgEUTGNqjtosnOk  [Is Your Bank the Worst One in America?](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/844175a3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdiZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2JhbmstYWNjb3VudHNcL3dvcnN0LWJhbmtzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjIxMjI2JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMjEyMjYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=8Ow9_IIqp09ZzJulqZ4NmF0KqgzeSNmCSQ-9zMgpors)  Some banks just don’t hack it when it comes to customer expectations. Find out if yours is the baddest of the bad — plus, find some more palatable alternatives.          [Who Gets Your Social Security When You Die?](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/13da653e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdjMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL3doby1nZXRzLXlvdXItc29jaWFsLXNlY3VyaXR5LXdoZW4teW91LWRpZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=uBg1B4OEc-yQZdFERIox2AMIhMK8ixkTjvgKBA7_PgE)  Social Security is a comforting benefit to look forward to when you retire, but what happens to all that money if, well, you aren’t around to collect it? It varies depending on your situation — here’s who gets what.          [No Experience? No Problem for These Online Gigs](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/13a4b13e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTc4MzllZWE1MmQ0NzBlZDdjZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYmVzdC1qb2JzLW5vLWV4cGVyaWVuY2UtcHJ0XC8_YWZmX3N1YjQ9YiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMjEyMjYmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIyMTIyNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkX2JsdXJiXzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=wScUjE28VfLThgH5C50pTNygVmvIYM60yO_38emj7u4)  Tired of getting rejected by companies demanding more experience? It’s frustrating. An influx of remote gigs is helping to level the playing field, however, and we found eight opportunities to get you started.     [Stop Paying These These 2 Bills Every Month](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/30f9b4ac?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTc4MzllZWE1MmQ0NzBlZDdjZiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbW9udGhseS1iaWxscy1wcnRcLz9hZmZfc3ViND1iJmFmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YiLCJsaW5rVmFyaWFudCI6ImhlYWRfYmx1cmJfNF9hZmZpbGlhdGVfb2ZmZXJzIn0&jwtS=Q_TmFqBBeuZttT9NhIooeKmbyNSU4M4ac8nZFJJBTCI)  OK, OK, hear us out! We’re not telling you to just simply leave your bills unpaid. We’re more responsible than that. But you are probably paying way too much, and we can help you find affordable alternatives.     [We’re Spilling the Beans About These Money Secrets](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/a32b0349?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTc4MzllZWE1MmQ0NzBlZDdkMCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbW9uZXktc2VjcmV0cy1wcnRcLz9hZmZfc3ViND1iJmFmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YiLCJsaW5rVmFyaWFudCI6ImhlYWRfYmx1cmJfNF9hZmZpbGlhdGVfb2ZmZXJzIn0&jwtS=UCgpRnpd2buNqnPpEkslchW5FNu4ilrFCKbddZ5VHY0)  Some secrets are necessary. But when it comes to making money, sharing is caring! That’s why we’re coming clean and sharing these tried-and-true strategies for growing your wealth.     [7 Places to Ask for Help When Money Is Tight](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/cfb05d43?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=3vZEshJsQa1rZ5nB_mZTdyaEQwkeoDFm_GJbY2KYK2k)  We get it. Asking for help is hard. But you don’t need to be shy about asking these resources to lend a helping hand. That’s why they exist, after all.          [Was this email forwarded to you? Subscribe Now.](63a5b638cb82d2a92d04dfb1:ot:631faf77229f6550ab06f0cf:1/17bbacdc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzIwNjAwNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYTVkNTIxMzllZWE1MmQ0NzBlZDdjNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIyMTIyNiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjIxMjI2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Jzwz3oYOHU8BJ6as8CynVOBFFc0eITp6qRIqYOo5PYw)     © 2022 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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