Student loans? Hard pass

No loans needed for these college courses. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/355ac595?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVkYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAyMDgmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDIwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=gg1RJcgph33wpqyy1G2KhkVJkVdfrldhsgiGVaYCFSk)   We get it. You’re sick of hearing about the price of eggs. (We are, too.) Still, we can’t help but laugh at Taylor Swift’s seemingly confused reaction when Grammys host Trevor Noah referenced those prices in a joke Sunday night. Celebrities. They’re just like us! Today, we’ve got plenty of tips for those of us who do need to worry about how much things cost.     63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/c8d6ba6f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVkZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2Jlc3QtYnVkZ2V0LXNtYXJ0cGhvbmVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=eiYbRUVwWi6TV3tLLMCV5Z4rrmApETQJcOxJOdcCQfc  [5 Best Smartphones That Won’t Break the Bank](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/36d16b4d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVkZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2Jlc3QtYnVkZ2V0LXNtYXJ0cGhvbmVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=TpdlzBkJmGCl8IwQJf_DT3HwGir8NXkkXpk4vfERylE)  Phones are getting so expensive, but most times you’re paying for a bunch of bells and whistles you’ll never actually use. What’s the point? We have [the best options](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/8ea174cf?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVkZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2Jlc3QtYnVkZ2V0LXNtYXJ0cGhvbmVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=FSMKgdbL11dS07DvdJwKAJBcYf-puCFydVUsbOdvmqE) so you can stay connected without going broke.     [These Are the Best Savings Accounts to Grow Your Money](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/d51193e6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2JhbmstYWNjb3VudHNcL2Jlc3QtaGlnaC15aWVsZC1zYXZpbmdzLWFjY291bnRzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=Eo7Lar_1kKcsQ1FoHWGQQoUPwwsUuTLc0mfNcW6YWlk)  The average saving account “rewards” you with a paltry 0.33% APY. The ones on our list deliver as much as 3.4%. It’s about time these skyrocketing interest rates do something good.     [7 Things to Do if You Have Less Than $9K in Savings](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/5fb2265d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlMSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvOWstc2F2aW5ncy1wcnRcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAyMDgmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDIwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=yCvM3U9EuMQorjZ-5dU_x6aORBvculu0X7J8dCZptHY)  We already showed you where to find some seriously generous savings accounts, but what if your current savings are less than stellar? Here are seven things you can do right now.          63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/8246bbab?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2ZyZWUtY29sbGVnZS1jb3Vyc2VzLWZvci1zZW5pb3ItY2l0aXplbnNcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAyMDgmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDIwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=kipYteAnaQU-KkUJ0Nc-n1P-gs1WMcCOZBIpG7QqJpw  [Hey Senior Citizens, You Can Go to College for Free](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/6768bf7e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2ZyZWUtY29sbGVnZS1jb3Vyc2VzLWZvci1zZW5pb3ItY2l0aXplbnNcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAyMDgmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDIwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=QAka0vIm0nsJlWdwNTiWesc1ruWOIiVaa7BUlMOMGAc)  It’s never too late to learn something new. And seniors can take advantage of free (or deeply discounted) college courses later in life. Check out these [options in all 50 states](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/27d62906?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2ZyZWUtY29sbGVnZS1jb3Vyc2VzLWZvci1zZW5pb3ItY2l0aXplbnNcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAyMDgmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDIwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=Fe9V-164yhb4bsEMlWrfBxQyGreorFHhJB78vRDqa8Q).          [Have $5K or More in Credit Card Debt? Take This Challenge](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/fd4efbc3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlNSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZGVidC1jaGFsbGVuZ2UtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=giroofRC5DTTE7rkmf-vYlVOQcXN-F4_VNPSDLUyp18)  Thanks to those high interest rates, it’s even harder to dig yourself out of credit card debt these days — especially if you’ve racked up more than $5,000. Sound familiar? This is the perfect challenge for you.     [Don’t Fall for These Common ‘Buy Now, Pay Later’ Traps](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/275f0046?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlNiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2RlYnRcL2J1eS1ub3ctcGF5LWxhdGVyLXJpc2tzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=zkJfIIpIyc1LyoRtoj1_BQt8W5WdZeokvf1qq7zjy8s)  It wouldn’t be a problem if you had Taylor Swift money, but since you don’t, the option to pay for some big-ticket item later is so tempting. A slew of services make it easy to delay payment, often without owing any interest. But there’s always a downside. Here’s what you need to watch out for.     [How to Add $1,098 to Your Bank Account This Month](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/98590358?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlNyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbmV4dC1tb250aC0xMDk4XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=vtqEQXf00KxiMTZivPLOPfmawr4RGIuRUd1MhPmxpZI)  Need some extra cash? Silly question. We all do. Well, we found six easy ways to pad your bank account without waiting around forever to get paid.     [How to Cut Your Most Expensive Bills — And Give Up Nothing](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/9d684bb4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlOCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc2F2ZS1tb25leS1vbi1iaWxscy15b3UtY2FudC1lc2NhcGUtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMjA4JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAyMDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=xefSI__Lrt1fGilw9woF44h2zapcq55YnYgRmj9rOg8)  Look at your bills. If those charges seem high, it’s probably because they are. But they don’t have to be. Here’s how to pay a lot less — without sacrificing the things you love.          [Was this email forwarded to you? Subscribe Now.](63e2c4ff6155a49f3d0648fa:ot:631faf77229f6550ab06f0cf:1/68e2ab31?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzU4NjUyNTUsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzZTJjYWRlN2UyNTBlNzk0MjAyYWVlOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDIwOCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMjA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=NDnQUqZN9NKOImYemjBs7_i6z2PQI8KSgtEpToPMVlk)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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