The price of stamps is going up by how much?

Plus, how small businesses can fight off scammers ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/18d2a486?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI1YiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEwMTcmYWZmX3N1YjQ9MDYzNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTAxNyZ1dG1fY29udGVudD0wNjM0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=ujL0Ho8FBM6xZ0eRO9p1v_vi8j2_4Nv68Lb2p9cOn00)   The cost of living just keeps going up. How are we supposed to keep up? Stamps are just the latest item to see a price increase, so we're sharing our guide to saving money on postage in this newsletter. We'll also walk you through how to guard against identity theft with a credit freeze, how closing a credit card may or may not affect your credit score and we’ve got [eight ways to keep up with or even get ahead](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/c65009d7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI1YyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDE3JmFmZl9zdWI0PTA2MzQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMTcmdXRtX2NvbnRlbnQ9MDYzNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=vhVJodWBc9D1J-RBdTrBdMD_5AtwQmXD0xBoNkxmLCg) of all these seemingly relentless cost-of-living increases. Let's kick it off by unveiling a few money habits of the wealthy worth emulating.          652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/23b0ee8b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=XhGXYrBVWSn3q6K33sGqwPMmFQvfKh4JpXB-5GgLqYg  [🤐 Secrets of The Wealthy That Most of Us Ignore](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/7fb9af12?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=fZwRkKLP7dmsujauRr1lTRtk2BqrhBJ7ai6HljKgMHE)  What do the wealthy have that the rest of us don't? OK, besides more money (and pet chickens). We reveal some [secrets of the wealthy](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/763eac6f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=03B3FBtARfTHIabNU4MszTuynwwefz9e1A-HKmHPLQU) that the rest of us should follow.  [Read more](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/2b942372?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=szTqVYgg_zl0Uui6PM99PBzUvHoDJosYogd7WhBFM2Y)          [🐀 How Small Businesses Lose Big through Scams](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/21e3e599?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2MSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3NtYWxsLWJ1c2luZXNzLXNjYW1zXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDE3JmFmZl9zdWI0PTA2MzQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMTcmdXRtX2NvbnRlbnQ9MDYzNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=FtM5JG-U9tRzZhEonS0nN80PybhcBCARJKtp-0LXRZY)  Did you know small businesses lose an average of $150,000 through scams and fraud? Our article covers the most common scams and how small business owners can protect themselves.     [📬 The Price of First-Class Stamps Is Going Up in 2024](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/cbe7c581?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=D38XoMYM4Ivp7_q9NzKEIeBwN7HK5zB5diJUfQkJRPE)  The Postal Service recently announced that the price of a First-Class Mail Forever stamp will increase from 66 cents to 68 cents, effective January 21, 2024. Take back those two pennies (and hoard them!) with our freshly updated guide to saving money on postage.          652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/7db394e4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2MyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDE3JmFmZl9zdWI0PTA2MzQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMTcmdXRtX2NvbnRlbnQ9MDYzNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=q1mOMue1dSlGtZUKB5toFGw71Zm4hi1Xqv4jSqUgnss  [🏃‍♀️ 8 Ways to Keep Up with the Cost of Living](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/b1588356?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2NCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDE3JmFmZl9zdWI0PTA2MzQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMTcmdXRtX2NvbnRlbnQ9MDYzNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=K1ar2IayX1UVOb_aWJfDGyNaHW2pMbeWWXimdninmOM)  The cost of living keeps rising, and it can be hard to keep pace. Here are [eight ways you can stop losing financial ground](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/c65009d7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI1YyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvY29zdC1vZi1saXZpbmctcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDE3JmFmZl9zdWI0PTA2MzQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMTcmdXRtX2NvbnRlbnQ9MDYzNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=vhVJodWBc9D1J-RBdTrBdMD_5AtwQmXD0xBoNkxmLCg) and actually get ahead.          [🥶 How Credit Freezes Can Defend You From Identity Theft](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/26575f01?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=LPJ7jpT90E1bKLYet06aq7Qz-QvxNQoxWrTVOXuuCMg)  A credit freeze sounds negative, but it can be one the best weapons a consumer has to thwart would-be identity thieves. Learn when and how to wield it.     [🙅‍♀️ 9 Things We Don’t Buy Anymore](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/a2a22899?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2NiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvdGhpbmdzLXdlLWRvbnQtYnV5LXBydFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTAxNyZhZmZfc3ViND0wNjM0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMDE3JnV0bV9jb250ZW50PTA2MzQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=FzrJ3v_TjIC-sHzStC22hUBaUQf4RGl89u-P5vxTyAo)  There are [things we simply don’t buy anymore](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/558c4673?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=Dw64M51r9HOz-GvJmMHyQnEloFlTDH6fMhIjLlW9Epg). We just don’t see the point — and we’ve officially broken up with these products.     [💳 Dear Penny: Can Closing My Credit Cards Hurt My Credit Score?](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/3d64bf6e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2OCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2NyZWRpdFwvY3JlZGl0LXNjb3Jlc1wvZGVhci1wZW5ueS1jYW4tY2xvc2luZy1teS1jcmVkaXQtY2FyZHMtaHVydC1teS1jcmVkaXQtc2NvcmVcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEwMTcmYWZmX3N1YjQ9MDYzNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTAxNyZ1dG1fY29udGVudD0wNjM0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=RH4XN0fwCpsVPu3hm_uoYEB3iRrAMnty6L-H8LTnXLU)  What's the real impact of closing a credit card? Will it help or hurt your credit score? Dear Penny walks you through everything you need to know about this controversial credit move.     [🍞 6 Easy Ways to Make Passive Income](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/188a6f30?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=NXI86vAb68gaw39bhw6EUJxa36g58BHivB7jrKQUp7Y)  These are [the easiest ways to make passive income](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/55fa0fd1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=WbCAfNoYCp8B8kMj5EIV-02Q95tqt39cCCUIHeUgsvk) we've ever seen. Sit back and watch the extra bread roll in.          [Was this email forwarded to you? Subscribe Now. It's free!](652d93d61586a6654b0873fc:ot:631faf77229f6550ab06f0cf:1/406e73d5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc1Mzg4OTQsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MmQ5N2JhNGQ5N2QxNzgyMDA1YTI2YiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTAxNyZhZmZfc3ViND0wNjM0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMDE3JnV0bV9jb250ZW50PTA2MzQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=eX6f9Lfq4ccjTVX2vPyeRjtothzAhJJ-9B5mnm9bz94)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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