Newsletter Subject

It’s what you’re *not* doing that’s costing you

From

thepennyhoarder.com

Email Address

info@newsletters.thepennyhoarder.com

Sent On

Wed, Aug 16, 2023 01:09 PM

Email Preheader Text

Plus, how to help victims of Maui’s wildfires. ͏ ‌ ͏ ‌ ͏ ‌ ?

Plus, how to help victims of Maui’s wildfires. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/4eaa540e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ2NzdhMTJiMjBmNjBkMjcyNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA4MTYmYWZmX3N1YjQ9MDkwOSZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDgxNiZ1dG1fY29udGVudD0wOTA5JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=TST0jkevtGS5qd5yPrUGEAAzIBHior1gFZk67Rq3xAM)   Decisions, decisions. You make ’em every day, mostly without giving any a second thought, but there are some that can impact your finances in a major way. For example, is bulk shopping worthwhile? Is that charity legit? [How much are your habits](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/c73f0aff?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=264tGoiHdLyDo-_OZWxoc7r7LJ1k-0vT30kWOUhy0AM)[really](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/c73f0aff?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=264tGoiHdLyDo-_OZWxoc7r7LJ1k-0vT30kWOUhy0AM)[affecting your income?](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/c73f0aff?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=264tGoiHdLyDo-_OZWxoc7r7LJ1k-0vT30kWOUhy0AM) Read on for all this and more.     64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/5cfda76e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ2NzdhMTJiMjBmNjBkMjcyNiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2J1eWluZy1pbi1idWxrXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=iG6V1DUA8vkuOtfN7Mf8HbPKm45cWDEs9_tk7mQu3E4  [Can Shopping in Bulk Actually Help You Save Money?](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/a31d31c5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ2NzdhMTJiMjBmNjBkMjcyNyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2J1eWluZy1pbi1idWxrXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=iQX-Kbuh2bdevPCUAd0VOLzNLH6PUR6PFUDzS2fs_kg)  The short answer? Yes. But that doesn’t mean you should buy anything and everything in mass quantities. We’ll show you when bulking up actually makes sense for you and how much you can save if you shop right.          [🛑 How to Stop Companies From Constantly Ripping You Off](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/0df990b5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjcyOCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29ycG9yYXRlLWFtZXJpY2EtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=t5WcaF7Fj9hUGqRrJIFqD1dRysitifxqYMG3JCU4r-k)  Corporations are big fans of swindling their customers. Half of the time, they don’t even bother hiding it. But what can you do? Don’t just accept it; fight back! Here’s how.     [3 Things You Need to Know Before Making a Donation](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/093dd25d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=Ic7WyP_M1X6HgWNYuRUgCQy90npw0-wEyOOnGwmcsjQ)  The outpouring of generosity in the wake of last week’s devastating Maui wildfires was uplifting to see. Unfortunately, scammers will take advantage of any situation, so we’re helping ensure any time you donate money, you know where it’s actually going. Plus, to help folks on Maui, our friends at Safewise came up with these [legitimate ways to make donating easier](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/580012bf?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=62VF183eCr9K09hcPUn8Ur0Z4H4L2olF9CZTMn-YUdI).          64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/674f9d23?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=zHEtwE0sXjZFjYsgO01gdgfk-XNEICalSCtdSaTj4lE  [14 Second Jobs That Pay Up to $69/Hour](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/5bce089a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=4TJhWOv0UUg0GlsSxuU21POrDf7UhyQPUXaj1zyBs7w)  Thinking about getting a second job? Just because it’s a second job doesn’t mean it can’t be lucrative, too. These gigs offer stellar payouts — plus, you might learn a new skill.          [Fact: You’ll Have Way Less Money if You Don’t Do This](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/fb914a4f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=T-ob-w42HPVOMlmTKqw9zK87c1W8i-QB-4Pt3m090MU)  Sometimes, it’s not what you’re doing that affects your bottom line the most, but rather what you’re not doing. Check off the things on this list, and your bank account will start looking a lot more full.     [7 Dangerous Habits That Are Draining Your Bank Account](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/508d30da?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=L_dcqM2_Na3cP0q79RBXfEx7U_SDQDLJArd2IWTAJ1g)  On the flip side of our last story 👆 sometimes it is your actions that hurt your financial standing — and you probably don’t even know it. If you’re guilty of any of these bad habits, it’s time to do an about-face and make changes.     [Can You Have Too Many Credit Cards in Your Wallet?](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/7fd4f5ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjcyZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2NyZWRpdFwvY3JlZGl0LXNjb3Jlc1wvaG93LW1hbnktY3JlZGl0LWNhcmRzLWlzLXRvby1tYW55XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=oZ468WC_ha4m5wDigpy7Til8ls66QOFLqZN4MD-7wB0)  There’s no right or wrong answer here. The number of credit cards a person should have is understandably personal. We’ll show you the pros and cons of keeping multiple cards so you can decide what works for you.     [7 Things We Stopped Buying — Plus 1 Thing We Buy More Of](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/42bcd1f6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=3gBuwsTLB5VrX6B92bVkimAXdnGPq40nM5MAS3pt2C8)  Change is a good thing. We embrace change. After all, there’s so much you might be missing out on if you avoid it — like a whole lot of money. So warm up to change, and start building your buying power.          [Was this email forwarded to you? Subscribe Now. It's free!](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/5cc8f06d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDgxNiZhZmZfc3ViND0wOTA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwODE2JnV0bV9jb250ZW50PTA5MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=zitHHzsYr9NjdiphaLGPGmhJq2LR9tDn-zDukQoBB7c)     By the way, we’re making it easier for you to find all our moneymaking and saving tips in one place. The Penny Hoarder Daily will now be your one-stop shop for our latest content, and Sum It Up will hit your inbox each Saturday with our favorites from the week. Thank you for being a loyal reader!     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/13b27174?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=1_BMZL5KaSB9c8XngVZTkS5FxRXYvoC8FyGStqwDcfk)  | [Unsubscribe](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/13c7b302?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=yITbuZqzY0kNTT1DZBUBZXpA2aymDaQUduu3veQ90CU)  | [Privacy Policy](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/ef88218b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA4MTYmYWZmX3N1YjQ9MDkwOSZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDgxNiZ1dG1fY29udGVudD0wOTA5JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=3wuapfStFvQLZNtRaPAYJzyKR-cKWhIIn_SLaZnhvw0)    [Facebook](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/ae816cb5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=VrEI3TqMbnRpt5kvXd3jm5x2q4bE5FCtPeEwDTrxdr0)  [Twitter](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/17855631?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczNiIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDgxNiZhZmZfc3ViND0wOTA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwODE2JnV0bV9jb250ZW50PTA5MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=-LeV_4Dq8Ayx2iXhZO0LCRqgOf5QpNvKNXyYh9ogG0s)  [Pinterest](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/a4f5766a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczNyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDgxNiZhZmZfc3ViND0wOTA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwODE2JnV0bV9jb250ZW50PTA5MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=zpI9kqaGe2OnZnv_zvp9Eh75qfiPdVlf9VV10buhEoM)  [instagram](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/4df143d5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDgxNiZhZmZfc3ViND0wOTA5JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwODE2JnV0bV9jb250ZW50PTA5MDkmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=odHBW5hkPUistNvXVsGS2K48DCsvkaikGnX4OcXckvc)  [YouTube](64dbd9a9e39fcc985704bc19:ot:631faf77229f6550ab06f0cf:1/75817753?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTIxOTEzNzMsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY0ZGJkYmQ3NzdhMTJiMjBmNjBkMjczOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwODE2JmFmZl9zdWI0PTA5MDkmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA4MTYmdXRtX2NvbnRlbnQ9MDkwOSZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=UOUYMqWKMSdggzbJJkVIvkZ6tx_Mh-lzzD8CShmwBI8)                                 Â

Marketing emails from thepennyhoarder.com

View More
Sent On

08/12/2024

Sent On

02/12/2024

Sent On

01/12/2024

Sent On

29/11/2024

Sent On

27/10/2024

Sent On

26/10/2024

Email Content Statistics

Subscribe Now

Subject Line Length

Data shows that subject lines with 6 to 10 words generated 21 percent higher open rate.

Subscribe Now

Average in this category

Subscribe Now

Number of Words

The more words in the content, the more time the user will need to spend reading. Get straight to the point with catchy short phrases and interesting photos and graphics.

Subscribe Now

Average in this category

Subscribe Now

Number of Images

More images or large images might cause the email to load slower. Aim for a balance of words and images.

Subscribe Now

Average in this category

Subscribe Now

Time to Read

Longer reading time requires more attention and patience from users. Aim for short phrases and catchy keywords.

Subscribe Now

Average in this category

Subscribe Now

Predicted open rate

Subscribe Now

Spam Score

Spam score is determined by a large number of checks performed on the content of the email. For the best delivery results, it is advised to lower your spam score as much as possible.

Subscribe Now

Flesch reading score

Flesch reading score measures how complex a text is. The lower the score, the more difficult the text is to read. The Flesch readability score uses the average length of your sentences (measured by the number of words) and the average number of syllables per word in an equation to calculate the reading ease. Text with a very high Flesch reading ease score (about 100) is straightforward and easy to read, with short sentences and no words of more than two syllables. Usually, a reading ease score of 60-70 is considered acceptable/normal for web copy.

Subscribe Now

Technologies

What powers this email? Every email we receive is parsed to determine the sending ESP and any additional email technologies used.

Subscribe Now

Email Size (not include images)

Font Used

No. Font Name
Subscribe Now

Copyright © 2019–2025 SimilarMail.