🎅 Stop playing tug-of-war with Santa

Plus, get free gift cards by next Friday ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [The Penny Hoarder Daily](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/634c44b5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NjlmZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9MTgyJnV0bV9zb3VyY2U9ZGVkaWNhdGVkJmFmZl9zdWIzPTIwMjMxMjE3JmFmZl9zdWI0PTA5MTMmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPTIwMjMxMjE3JnV0bV9jb250ZW50PTA5MTMmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=TQtCr7ejBZqjEnI9r-jh1xpCnWfspVg3T9K-CiVTots)   657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/d934acb8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=P_gZm93yqS2LdOPX0I37_kt7ZO_bkOjzikiklZwdRW8  [5 Last-Minute Tips to Stretch Your Holiday Budget Even Further](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/15966c7c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=xPfKWsH8NOOLbvdAoXZkdj0F3bfk6KSat7WRgBWwlxM)  All through the holiday shopping season you and Santa have been fighting over your wallet. If it feels like your budget is at its breaking point, here are [five tips to stretch it even further](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/19652b67?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=hCkIih-O9UeEJb6KWZq7A1JJYoSU135g4t7-9zCabpA) and win the tug-of-war against your obnoxiously jolly opponent.  [Dominate Santa](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/05c940d9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=LZnLgg9OkSuMXOUYFe7eOns6BD2_9nUb48luy4PU6BA)          [🗓️ Here's How You Can Get Free Gift Cards Before Next Friday](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/211b5d38?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=fHLc8zNDAMkIIOolGWUy0Eo5rBcAUhckR6AYsbX3s5Y)  A gift card isn't a lazy gift — it's actually very thoughtful because you're giving someone the freedom to buy what they really want. Gift cards can also be very cheap — so cheap they're actually free. In fact, we know [a few ways you can get free gift cards by next Friday](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/c8845f22?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=peu60azV9BmjeRKQWZyVevtJeKS2CEhVfjZLWrqWfh0). Thoughtful, easy, fast and free? Best gift ever.          [5 Money Secrets Amazon Shoppers Must Know](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/b3a34af0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NmEwNSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYW1hem9uLW1vbmV5LXNlY3JldHMtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTIxNyZhZmZfc3ViND0wOTEzJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTIxNyZ1dG1fY29udGVudD0wOTEzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=rOBbEyyhFuwGi6UphXuSfxhgLcCQCR-9ai2Lxeg_Tmg)  You've probably spent a lot of time and money on Amazon lately. We can't get that time back for you, but we can help you with the money part. Here are [five money secrets all Amazon shoppers should know](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/523d7bf3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NmEwNiIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvYW1hem9uLW1vbmV5LXNlY3JldHMtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTIxNyZhZmZfc3ViND0wOTEzJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTIxNyZ1dG1fY29udGVudD0wOTEzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=0PQkLPEw_126XnN0-BrdRjMNX6SCFfo5JDxBsoj3lbY), starting with a price-checking tool that prevents you from overpaying.          [Slash $5K+ in Credit Card Debt Before the New Year](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/aedc2563?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NmEwNyIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZGVidC1jaGFsbGVuZ2UtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTIxNyZhZmZfc3ViND0wOTEzJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTIxNyZ1dG1fY29udGVudD0wOTEzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Jdm8GQ1AF-1f2BYLZgP3oJ6Pc3jYbTBYJbavFoAZrg8)  If you're more than $5,000 in the hole with your credit card, there's still time to slash your debt before the new year. Wouldn't it be great to start off 2024 with a clean slate? Well, you can with [this debt challenge](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/4a53f59f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NmEwOCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZGVidC1jaGFsbGVuZ2UtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTIxNyZhZmZfc3ViND0wOTEzJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTIxNyZ1dG1fY29udGVudD0wOTEzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Mj1HGNI0w6TD22Kl1dGI141e0_4YecNfHICbyzWve3M), and we break it down for you day by day so you don't have to tackle it all at once.  [Start 2024 Fresh](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/a5b8a971?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDI4MjI0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1N2RlODFhNDllY2Y3N2RiYjA2NmEwOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvZGVidC1jaGFsbGVuZ2UtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTIxNyZhZmZfc3ViND0wOTEzJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTIxNyZ1dG1fY29udGVudD0wOTEzJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=6PUKS-ox6bw5znMfsDzi4mcxSxxSKlXnaq17RZbMcOg)          [🧠It's Too Dumb To Spend Too Much Money On These Things](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/4629b199?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=6yXKSBIfRs15KpHO9YpkK9icJqv5-oe8-w7tBT3hXM0)  But we do it. We all do it. We pay too much when we shop online. We pay too much for our insurance. We pay too much interest. It's possible we're tipping too much. It's all too much! But let's see [how much smarter we can spend](657de52819d4f50bb00cdf53:ot:631faf77229f6550ab06f0cf:1/28a37813?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=ofeJxQDi6Rv2L5pgncxmzKaM1lKx8xaTGFx-nk_1Y3Y) with this money strategy.           Some of the links in this email are from our sponsors. 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