🎃 A scary-fun Halloween without killing your budget

Plus, how to get paid up to $500/month just for sharing your opinions ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/807ef1cb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEwMzAmYWZmX3N1YjQ9MDYxMCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTAzMCZ1dG1fY29udGVudD0wNjEwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=quLl-7l5EaI2Cwe1nJLQyAkLLXRQttkVcE1jm_cXtRQ)   653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/b517bb57?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyMyIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MzA2JmFmZl9pZD0xODImYWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=cpr7KEFX8c5C5lJ-YGb0NH2buCqdjF2gzAy-HkMK0_8     Americans spend a scary amount of money on Halloween decor, costumes and candy, but Penny Hoarder readers are more restrained. We believe no pumpkin is greater than the one that fits our budget. So in this newsletter we'll fill your treat bag with last-minute costume ideas that won't murder your bank account, tips on how to beat Uber surge pricing on a holiday night and what to do with your jack-o'-lanterns after Halloween. Plus, we tell you how to [get paid up to $500 a month just for sharing your opinions](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/b7864fa7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=p3C69BIWcAyozGU-cbDGnkfNYrLDNGuwkqW5-wY6KlA).     653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/9ed0b5f5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=3iAeh9QTbOcbNsoFLo6IeA58_wXVtxY5P9ONnhiz9eI  [50 Last Minute Halloween Costume Ideas That Won’t Cost You a Dime](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/0fc64e94?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=PE-c6BKARNRVpJpahlk1yKRlQi-HSV5f4ojQ2IvyQ3U)  This is officially the last minute — Halloween is tomorrow. If you don't have your costume yet, here are some boo-tiful ideas that cost nothing and don't look last-minute.          653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/b517bb57?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=cpr7KEFX8c5C5lJ-YGb0NH2buCqdjF2gzAy-HkMK0_8     [Get Paid up to $500/Month Just for Sharing Your Opinions](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/92824dd6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=c1R7eXaLyvYJd-F-1pPBVyjepX4ioxgcSLWjMQCo6W4)  Wouldn’t it be great if you could be your good ol’ opinionated self and make some extra cash while doing it? Like up to $500 a month. The folks at [Thrifty Pig](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/0143742f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=p3C69BIWcAyozGU-cbDGnkfNYrLDNGuwkqW5-wY6KlA) make that possible. They connect you with a vast network of marketers looking for consumer feedback on a ton of different topics, like food, travel, health care and more. Just complete surveys and get paid. Most people need to wait for an invitation to access these surveys. But we’ve got a special code exclusive to The Penny Hoarder readers so you can start now: ASXY3Q-1P4T6Q-846NAU-5P4QQZ. And once you have just $5 in your account, you’re good to cash out. It only takes a couple of minutes to get started. Just drop in your exclusive invitation code to create your account, and you can [start earning money today](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/1c6034ae?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=p3C69BIWcAyozGU-cbDGnkfNYrLDNGuwkqW5-wY6KlA)!     [Sign Up Now](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/2eec210e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyOCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MzA2JmFmZl9pZD0xODImYWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=2Sl-zHobSVRuXkryvfnYWRlVyv6ElDqouxzB9iqcYQ0)          [💀 10 Creative Ways to Pay Rent When the Bank Account Is Near Zero](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/2a3e68d7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvdW5pcXVlLXJlbnQtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=pYn53IOnmfw2N6w799gMyd18sWu7JddujKCePcgAQiw)  October 31st might be Halloween, but it's also the end of the month, and that means rent is due. You can keep wearing your costume and hope your landlord doesn't recognize you, or you can try these [10 creative ways to pay rent](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/73617daa?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyYSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvdW5pcXVlLXJlbnQtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=hYxocmMNnk2_enmxAkZ-GfKfrUSkS73RvdqWBdN6b1E) when your bank balance is positively skeletal.     [5 Ways to Beat Uber Surge Pricing So You Don’t Overpay on Halloween](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/ea3e5359?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIyYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2JlYXQtdWJlci1zdXJnZS1wcmljaW5nXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=1kM2wLplGMfiJdSCEZGaBemCxe3HOp5aVOtASUwoqLk)  Ubering to a Halloween party tomorrow night is a great idea if it's a grownup party with grownup beverages. It's such a great idea that you won't be the only one having it, and there's a good chance you'll encounter that dreaded surge pricing. Here's how to beat the crowd so you don't overpay for a ride on Halloween.          653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/bbf637da?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=n8BBY9ks-vlf8loldi5BT1Yo5KRyxUrH9C3a38I9-m8  [7 Ways to Add Money to Your Wallet if You’re Struggling to Make Ends Meet](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/b1b926c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=Q5yp_PqtGflKAlHMVTYMEvtJQ2Cpy75GhgrzDpg553U)  Like a group of teenagers at a haunted summer camp, so many of us are in survival mode right now — financial survival mode. We could all use some extra money to help us feel more secure. Sound like you? Here are [seven ways to make extra money](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/049e3996?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=YCfmi6IRXqQQPBu4QStLN_CZBaRtHN6-f9jWxHYwU3U) if you're struggling to make ends meet.          [How to Celebrate Halloween on a Budget and Still Have a Scary Good Time](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/6dc05fd5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=fOMSN1oUPB1VrCt1OykJz7vup0ZnhdLMD_7PUhpMmso)  Consumers are planning to spend an average of $100+ on Halloween candy, decorations and costumes. But that doesn’t mean you have to spend a bundle.     [💵 7 Things Rich People Do to Help Them Retire Early](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/0fb59d46?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=DL8Ph6HPP6Mw-M4VG_VqxkUEpnKlAfxOJISgJeFViTg)  We love Halloween here at the Penny Hoarder, but if we're being honest, it's also one of those nights where we love to retire early. If you're hoping for an early retirement, too, here are [seven things rich people do](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/556bcc86?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=1MXRXKk06EG37vnqXQuU7YenmCfFIS_SALp5XscCfhg) to help make it happen.     [Beyond Jack-O’-Lanterns: 21 Creative and Tasty Ways to Use Pumpkins](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/39ad16c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIzMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcLzIxLWZ1bi13YXlzLWVuam95LXB1bXBraW4taGFsbG93ZWVuXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMDMwJmFmZl9zdWI0PTA2MTAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEwMzAmdXRtX2NvbnRlbnQ9MDYxMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=xv25P3jB9-DGtehKg9PUgUxb9jWLV4lasLlU13YkVxs)  In a mere 48 hours, your jack-o'-lantern will have served its spooky purpose. Now what? Well, have you considered eating it? Here's how to get more fun and even nutrition out of everyone's favorite holiday gourd.     [Americans With Less Than $4,000 in Savings Should Do These 7 Things](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/cb7c9b63?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=bAE59ZswF8jStpSCwkjpZPnVf4aBO1zT3TBYIbRpwf8)  If you set savings goals this year, you might be looking at your bank balance right now and feeling a bit spooked. Here are [seven things you can do to blast the cobwebs out of your bank account](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/b9c1c3a5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=TLSH4iyNY5D5XTfcywvh4KH28GH6ZT8eLcqRPQzFnpk).          [Was this email forwarded to you? Subscribe Now. It's free!](653c1928d76bb13e030c2914:ot:631faf77229f6550ab06f0cf:1/2727cbb8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg2NjA2MDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1M2MxZWM4NTczNDEzMGIxZDBhMmIzNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTAzMCZhZmZfc3ViND0wNjEwJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMDMwJnV0bV9jb250ZW50PTA2MTAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=y18SdMo4OXaPHwhT0lurxx78w20wZlzHuBBZhJsCAPA)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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