So, is inflation over or not?

🛒 Tips to trim your grocery bill by $600 ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/cca26248?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE1ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzExMTcmYWZmX3N1YjQ9MDcwOCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTExNyZ1dG1fY29udGVudD0wNzA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Qh6y8ujeBXjbFV7xYCqmf1BxNnYdUKI4xqsIaOEvfeE)   Between interest rates, inflation and the return of student loan repayments, you might be one of many shoppers feeling a financial pinch just as the holiday season kicks off. Recent news from the Fed and other economic authorities suggests that inflation and interest rates are cooling off. But consumers still say prices for pretty much everything — especially housing — are too high and getting worse. Just this week, big retailers like Walmart and Target reported concerns over a slow start to the holiday shopping season. They suspect student loan repayments are eating up the money folks would otherwise spend on products and services. So what's going on? Is the economy good or bad right now? It's hard to tell on the surface, so in this newsletter, we dig into the math to find out how much house you can afford right now and how you could carve off $600 from your grocery bill. Plus, we investigate if you can sell your old iPod for money and give you [a handful of tips on saving thousands on home expenses](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/dcf140ab?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=EQcwZWaQTjI3KnZ97TgUbwIpik065B8KkVx5mAa2abE).          655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/d87f7c8b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=b1Lv9np6BFkZ-2u98czYDvgYPZRvzZD9_79Za1GhNgU  [How Much House Can You Afford? Let's Do The Math!](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/d4e3e3b6?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=OEwzc-2W6f2VDNsmOr0gHttUHbTHlAlZZDJQlaxklaw)  The roiling seas of interest rate hikes and inflation seem to have relaxed in recent weeks. But does that mean it's safe to dive into a mortgage? Let's look at the numbers to see just how deep your home-buying dollar could go right now.          [Trim Your Grocery Bill by $600+ Just in Time for Turkey Day](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/87ee38ef?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2MiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZ3JvY2VyaWVzLWNoYWxsZW5nZS02MDAtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTE3JmFmZl9zdWI0PTA3MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMTcmdXRtX2NvbnRlbnQ9MDcwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=-uKidUu7DYPe1C8nncZ57EoQ623lVUkiaYZXhqtikmg)  Looking to cut grocery costs this holiday season? You should try a free site called Rakuten. They’ll pay you to skip going to the store and shop online instead. They work with just about every online store you probably shop at, and they can make sure you get some cash back every time you buy — up to 15% cash back. And that's just one of our [tips for offsetting your grocery bill by $600](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/b5933056?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2MyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZ3JvY2VyaWVzLWNoYWxsZW5nZS02MDAtcHJ0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTE3JmFmZl9zdWI0PTA3MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMTcmdXRtX2NvbnRlbnQ9MDcwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=HtKcLzE1tvnIw7CrCuryvXWXYi21SK_LUQiv8t6T5VQ), just in time for Thanksgiving.    655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/e282fbde?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZGYyYzY0NDViNjE3MDA1ZDkzMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NlYXJjaFwvP3E9ZGVhciUyMHBlbm55JmFmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTExNyZhZmZfc3ViND0wNzA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTE3JnV0bV9jb250ZW50PTA3MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=6LDTOgCXmnbXxZ1goqhAk3eL3jnQJZF5kf1ykRSQoCY    [I Can’t Afford a Divorce Lawyer. Am I Stuck With My Wife Forever?](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/eec9a153?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=6n344AOr8LTMOrafXs3g_Rj0b9W-jIkeZm3NcPNcz3o)  Questions about divorce are never fun, but this one is an especially painful reminder of how divorce hits the wallet as hard as it hits the heart. Dear Penny tries to help one reader find hope in his situation by sharing some financial and psychological resources for those working through a divorce.          655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/b2554266?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=70EQ5hGbPjFwFpaUdpBkM1TXAMjnaX6pU0yMqeydbdM  [Save Thousands on Home Expenses With These 5 Tips](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/0f4327a4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=QNgwTfr0HiBN-8BAjNKKmSbpLUFSwvPOWkHWNbCTfig)  As you climb the ladder to hang those holiday decorations, you may notice a few things about your home in need of repair. Maybe the rain gutters are all catawampus or the paint is starting to flake or now you can see your yard looks ratty from a bird's eye view. Or maybe your roof is … sheesh, don't even get us started on the roof 🙈. Homeownership can ask a lot of you financially, so here are [five ways to help you keep up with the upkeep of your home](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/964d6181?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=EQcwZWaQTjI3KnZ97TgUbwIpik065B8KkVx5mAa2abE).   655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/3d381710?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xJGjqMj0F1zH9vPSgRZAyrozMdYB2v8iwB3iWKN4b1M   655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/8aa396ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2OCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9ob3ctbXVjaC1pcG9kLXdvcnRoXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTE3JmFmZl9zdWI0PTA3MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMTcmdXRtX2NvbnRlbnQ9MDcwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=oi1h814zgIEQoNeeUWoRcseULF61Mzmh51epADsjFpQ  [Is Your Old iPod Worth Any Money?](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/2b15709d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2OSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9ob3ctbXVjaC1pcG9kLXdvcnRoXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTE3JmFmZl9zdWI0PTA3MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMTcmdXRtX2NvbnRlbnQ9MDcwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=HqcnWzJ882sDdn6CCjVF4k5m-WYFNS8Umugitejfwlo)  Thanks to the popularity of smartphones, pretty much everyone has an iPod in their pocket now. You might not be able to buy a new iPod today, but its impact on culture runs deep. The playlist! Shuffle mode! And like most audio technology of yore — vinyl, cassettes, even CDs — there's a small but passionate group of aficionados who just won't let the iPod go. So does that mean you could sell your old iPod on the secondary market? You might be surprised by how much certain models are (or are not) worth.          [Shred $5K in Credit Card Debt in the Next 3 Weeks](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/c2cce439?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=tBmUsMtOTRJfYoDQBL72HTW8MpWPwRw_CQp7FpCTbCo)  It's time to zag out of credit card debt while others are zigging into it with holiday spending. The best gift you can give yourself this year is to zero out your credit card balance. We want to help you achieve that goal, so here's how you can [kill $5K in debt in the next three weeks](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/048a08dd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=c67wfToqvFdz1X_MFMA_R6DIKKPnmn3CKDojjSzf1t0).    IN CASE YOU MISSED IT   [Happy Birthday! Here Are 106 Places That Will Give You Free Stuff](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/f67d8d92?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2YyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2JpcnRoZGF5LWZyZWViaWVzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMTE3JmFmZl9zdWI0PTA3MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzExMTcmdXRtX2NvbnRlbnQ9MDcwOCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=GbODNRlzC1HeEH_UwBYruqMfteERwW18xRCGUg-MN5c)  We just updated our popular list of birthday freebies for November birthdays. Whether you're celebrating yourself or a loved one, we guarantee you'll find something on this list to make that special day extra fun at no extra cost.          [Was this email forwarded to you? Subscribe Now. It's free!](655656069599c1061a039321:ot:631faf77229f6550ab06f0cf:1/1f4d1c28?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDAyMjI5MTEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1NTY2ZDQxNjYwZThhYWU0MDA4OGE2ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTExNyZhZmZfc3ViND0wNzA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMTE3JnV0bV9jb250ZW50PTA3MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=ccfYK5UREsqosWbZAaezRVdzywifxiyua4v6Urtje4I)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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