👋 $5K in credit card debt gone in three weeks

Plus, the healthiest fast food items under $5 ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/ea0544b5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzA5MjkmYWZmX3N1YjQ9MDkxMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDkyOSZ1dG1fY29udGVudD0wOTEyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=LmNanXfVmfSwMKXYtpRECAJC-R4pc8Z647SVf9fOs74)   The news has been a bit vanilla lately. No, we mean that literally. A&W Root Beer is being sued for falsely advertising that it uses real, aged vanilla. The company has been ordered to pay out a $15 million settlement — and you might be due some cash. Check out the details on this and other class action settlements in our monthly roundup. And here’s another way to find extra money: [our 21-day challenge for people with $5,000 or more in credit card debt](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/0b87d13f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzNCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvMjEtZGF5LWRlYnQtY2hhbGxlbmdlLTItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=0GdAf_Ek8Zwvk6nMrXrLC2vhqpFsq3rKPxiGkUlys8M).     6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/b4aef4b9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hlYWx0aGllc3QtZmFzdC1mb29kLXVuZGVyLWZpdmUtZG9sbGFyc1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkyOSZhZmZfc3ViND0wOTEyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTI5JnV0bV9jb250ZW50PTA5MTImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=t41VfdSkv1DpoRg947wVH21psXQ-RpHLOQPbnPWels8  [The Healthiest Items Under $5 at 12 Popular Fast-Food Chains](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/a40546a4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=ZGTLEeB8gjG6T3AxTDs0b0Ewx5-lI3KLc0SBQrRtHgA)  Admit it. You feel a bit guilty about eating fast food, but it can be so much easier than cooking. We’re here to absolve you today with this list of cheap, healthy items at a dozen chains.          [💪 This 21-Day Challenge is Perfect If You Have $5K+ in Credit Card Debt](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/8d3969c5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzNyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvMjEtZGF5LWRlYnQtY2hhbGxlbmdlLTItcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=L0QjbEYKm3T_cICvkn3Bc_suu1LEBv1B1KuRykV-WoU)  Have you been carrying credit debt for months or even years? What if you could pay off all or most of it in only three weeks? Try our 21-day challenge.     [💭 Dream Job: Get Paid $4,000 to Test Margaritas in Vegas](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/f635bfeb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9tYXJnYXJpdGEtdGVzdGVyLWNvbnRlc3QtbGFzLXZlZ2FzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=LrCWuakdjwLyXDKaoAS3lbBdF2jag_Am_mWERjTLtsE)  Does work feel like a real grind sometimes? We may have a solution: It's your last chance to win a trip to taste-test margaritas in Las Vegas, baby! Time to find that lost shaker of salt and enjoy that concoction that helps you hang on. You have until Sunday to apply.          6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/f2c34957?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9vY3RvYmVyLTIwMjMtY2xhc3MtYWN0aW9uLXNldHRsZW1lbnRzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=XM2GjyzC4LG2S3vcx9SUQwnps_IXkxx-La6RPQy3kTE  [Class-Action Roundup: Do These Companies Owe You Money?](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/ccc49183?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9vY3RvYmVyLTIwMjMtY2xhc3MtYWN0aW9uLXNldHRsZW1lbnRzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=uNga6IIEyYl_uTLsJBeU_rZx3lb_TFQw-R_yIzLQjsk)  Easy money could be heading your way if you qualify for any of these class-action settlements from A&W Root Beer, Vivint, Nissan and more. Check them out to see if you should apply.          [💡 8 Savvy Tips to Survive Today’s Absurd Cost of Living](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/4dffca74?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzYiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=OvgGmcrJOe8my-7WmN-Ca9mTuT0EMzULc3oRPAEwfPw)  The cost of living is downright unbelievable these days. Gas, groceries, rent — everything is more expensive. And our paychecks just aren’t keeping up. Don’t fret: We’ve got eight pro tips to make extra cash and cut expenses.     [🚫 5 Terrible Money Habits We’ve All Normalized (And How to Break Them)](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/be39933f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzYyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbm9ybWFsaXplZC1oYWJpdHMtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=9aswOB-yZVAINVF1SPH3u_0Z45yX-V_XXwU0BDkODxI)  As a society, we’ve normalized some pretty awful money practices. But it’s not too late to change our ways. See some of the worst money habits we’ve let become normal — and use our tips to break them.     [🎃 Celebrate Halloween for Less (and Have a Scary Good Time)](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/48822ad6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2hhbGxvd2Vlbi1vbi1hLWJ1ZGdldFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkyOSZhZmZfc3ViND0wOTEyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTI5JnV0bV9jb250ZW50PTA5MTImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=DakCXiz-M_hNOi5UqjxtOhq_4LvurLhieSvHfWSh09A)  October starts Sunday, and ghosts are dying to haunt yards across America. (Our eager neighbors couldn’t wait to inflate their Casper.) Here’s how you can get in the Halloween spirit on a budget.     [🆘 The Easiest Way Anyone Can Build a $1,000 Emergency Fund](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/93ba353e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvaGVyZXMtY3JlYXRlLTEwMDAtZW1lcmdlbmN5LWZ1bmQtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwOTI5JmFmZl9zdWI0PTA5MTImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzA5MjkmdXRtX2NvbnRlbnQ9MDkxMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=eD3oSyzDDVDGPH-pfXlWVlHCyfys8ek6zN4cYzqJpdQ)  You’ve always meant to start an emergency fund, but sometimes life has other plans. Something always gets in the way, right? Good news: This is the easiest way to build a $1,000 emergency fund. Anybody can do it.          [Was this email forwarded to you? Subscribe Now. It's free!](6515e2f6d486f1f3820e4298:ot:631faf77229f6550ab06f0cf:1/9f422705?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTU5OTMxNzYsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MTVlOWM3YzE1NzkyNDI0ODAwNzgzZiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDkyOSZhZmZfc3ViND0wOTEyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwOTI5JnV0bV9jb250ZW50PTA5MTImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=WsKEHq6RCAw54CpD9Ufgq3De3P5Mf27CdNOgXizrTr8)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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