Can I borrow a cup of sugar?

Ring in the new year with money-saving hacks. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/55ec27c7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=InBYy18KAOnpQBOz_tOhbuyrPJ4vdgLQJCp2Mtz5rlU)   Happy New Year! We’re laying low today and enjoying some much-needed downtime with friends and family. But today is a big day for people who want to make big changes in life — especially financially. So we’ve got everything you need to start the new year off on the right foot and stay on top of all your money resolutions.     63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/75a7ebf4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by1jb21iYXQtaW5mbGF0aW9uXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTAyJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=cfYxMbe0-yPUr3YXw6p7O_SAwJGVvntq2U1NX1_zSMo  [32 Hacks to Keep Prices Lower in 2023](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/8ba03ad6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hvdy10by1jb21iYXQtaW5mbGF0aW9uXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTAyJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=nlHDzKptm5oZfHLLjFj70kqgoKoseRLMkcGb6NtHnwU)  Inflation almost feels like a curse word now, doesn’t it? And we know cost-of-living surges promise to continue hitting our wallets well into the new year. Our guide is packed full of tips to help you counter outrageous prices until things start to settle.     [9 Ways to Hit Your Health and Money Goals](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/9f5a20af?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2FwcHMteW91LW5lZWQtbmV3LXllYXJcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=3EiPEo_kOezhetdJgI4Yw5z3-4ksDXyWHqdwZ9hRxS0)  Having a smartphone makes it way easier to stay on top of your health and money resolutions. How? Apps! Let 2023 be the year you finally embrace digital accountability.          63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/c9aa5f29?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2NyZWRpdFwvYnVpbGQtZ29vZC1jcmVkaXRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=5t51ApcMzEBXu0v9RGUBTlNcuBZmEpM_iPLXJi7FTi4  [How to Make Your Credit Soar This Year](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/4fcbc486?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMyZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2NyZWRpdFwvYnVpbGQtZ29vZC1jcmVkaXRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=T41sD1H2CkIBC_h36nc9b6w_x0YrEu-GaZnWcju7ov8)  One of the best ways to whip your finances into shape is by improving your credit. Getting there isn’t hard, but it does require commitment. Our 10-step guide will help.          [Are You in Need of a Money Makeover?](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/4a745160?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMzMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2J1ZGdldGluZ1wvdG9wLWJ1ZGdldGluZy1zdG9yaWVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTAyJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=PjUK7NvxIns5kQBL-iF4rBJdJi_T5YL7UsXah1HdwjI)  Tired of coming up short when it’s time to pay your bills? Sounds like you need a budget plan. Nothing like a new year to inspire change. We have 10 tried-and-true tips to reshape the way you think about money.          [The Top 4 Side Hustles You’ve Probably Never Heard Of](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/fb71f847?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMzMSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc2lkZS1naWdzLXBydFwvP2FmZl9zdWI0PWEmYWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTAyJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiIsImxpbmtWYXJpYW50IjoiaGVhZGxpbmVzX29ubHlfNF9hZmZpbGlhdGVfb2ZmZXJzIn0&jwtS=vj509nrTum5R3eUW1sJAOpbOLgStXxrbZJcqYCIZe_4)  [6 of the Easiest Ways We’ve Ever Seen to Make Passive Income](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/8e23c064?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMzMiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZWFzaWVzdC1wYXNzaXZlLWluY29tZS1wcnRcLz9hZmZfc3ViND1hJmFmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTAyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YiLCJsaW5rVmFyaWFudCI6ImhlYWRsaW5lc19vbmx5XzRfYWZmaWxpYXRlX29mZmVycyJ9&jwtS=iYKY5zTsHfVB0ogH54WTzaaS_ArTO3cPn_Hvx6B-FaU)  [Have $1K+ in Your Checking Account? Make These 5 Moves](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/064e6ea5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=h2aH6adgLbiYL_ndObI-wlj4LR81vi2-tzNWfDS-LOY)  [4 Sneaky Ways Corporate America Makes You Spend More](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/0402be38?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMzNCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29ycG9yYXRlLWFtZXJpY2EtcHJ0XC8_YWZmX3N1YjQ9YSZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDImdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkbGluZXNfb25seV80X2FmZmlsaWF0ZV9vZmZlcnMifQ&jwtS=2_zkjN9Wl8ocUCv-bkY7MVOFMT_RJdhzGz5PD4KlE-w)          [Was this email forwarded to you? Subscribe Now.](63adcaa90cf35c64af083ee7:ot:631faf77229f6550ab06f0cf:1/0cdbf6cd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI2NjUwNDQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYWRlZGI5MWJkYWU5ZjYxNTA0YzMzNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwMiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTAyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=OHJ0Ydm4fOj0PG3hwHiZoLBLTWs2yHd4nEXflAhvAS8)     © 2023 The Penny Hoarder. 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