Spend your FSA funds before 2024

All the money you missed out on in 2023 ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/c9bf319a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFlOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjAmYWZmX3N1YjQ9MDkzNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyMCZ1dG1fY29udGVudD0wOTM2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=v2vtxWUdLM1r70BwOdhZKBd8e6vk6YuUvDn_efo06bU)   6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/8c32638c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=CSwiSUT8iImxj3Q0eOChSurUUrfc0FGFmUXboZOT5jw  [Time Is Running Out to Use the Money in Your Flexible Spending Account](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/9954ed8c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=HBwVhMK43itzgtwBKDV6KUd1D5I0DXJN30z1_ZKSxiw)  Nothing hurts a Penny Hoarder more than leaving money on the table. If you have a flexible spending account (FSA), you should know those funds do not carry over into the new year, so you want to make sure you spend them before 2023 ends. Start spending your FSA money now — and on things you really need — so you don't end up panic-buying boxes of bandages in odd sizes as time runs out (been there, done that).          [If You Have More Than a Grand in Your Checking Account, Make These 7 Moves](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/b60a3aea?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=y3R6dULAoYOwO41Wx6LrrvYZqU5CIXqMOpnQmprMhmQ)  Congratulations on your $1,000 deposit! But who wants to be just a thousandaire? We have a few ideas about growing that money, including how to [earn significant interest on your savings with a Treasury account.](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/83336ffb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=tQx8wzvx6cr-M6gpM9zwoNWfu4pzSLW3dcLAzzVqF5Y)          6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/d95d3ff7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=SI3z7TdZfr278Dp_ASxYAmtYv7mJFuAEdRNFLTIL1qc  [You Missed Out On $5,425 if You Didn’t Do This in 2023](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/c3856804?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=H7xlTNB1y3XzyItZcIfxt0BSQ6uEIk011FlS6nnHw8U)  If you didn't find a way to pay less interest on your debt and earn more interest on your savings, then you missed out on money this year. If you shopped online without using price-check tools or getting compensated for your customer feedback, then [you missed out on money this year](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/7d27b8b4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=X72gbSxUyCRqAwXZW07lPDQhn0YgCTCFeAP3DHWj2nY). Should we go on? Or do you want to start fresh and stop leaving money behind in 2024?  [Save More in 2024](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/04c4f184?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=MQlafwcUYCO2EUStT3oAWjyOUfJIeHK6QfgBubni0P4)          [Borrow up to $100K with This Website and No Collateral](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/38caa4cc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=wNFZfsy78WQUUEAUQSMzRzkQ8BJGzvY7gCfi5f4xfy0)  If your credit score is at least 620, Fiona can help you borrow up to $100,000 (no collateral needed) with [fixed rates starting at 5.20%](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/e6e5cf66?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=OHEpyLwJUURdZdSUREY-TCdXc3CsfhbN-Xyh-J3Y3AQ) and terms from 4 to 144 months. Save yourself thousands of dollars by securing a loan with a lower interest rate than you’re paying on your debt right now. You can check rates on Fiona without hurting your credit score, so there's really no risk in looking.          [The EarnIn App is Changing the Way We Get Paid](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/581f9fb1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL2Vhcm5pbi1hcHAtY2hhbmdpbmctaG93LXdlLWdldC1wYWlkXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjIwJmFmZl9zdWI0PTA5MzYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjAmdXRtX2NvbnRlbnQ9MDkzNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=LBg4nbPGXiSHmign5G16ptebu9yBnyu4MZR2rg0EXlw)  You don't have to wait until payday to get paid. You can use the EarnIn app to access the money you've already earned before payday. And we're not talking about a payday loan — EarnIn isn't a loan at all, so there's no interest to worry about. If you're tired of living paycheck to paycheck, check out our article on EarnIn to see if this new app can help you break the cycle.          [5 Inexpensive Cuts of Meat to Wow Your Guests This Holiday Season](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/a295feca?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=0pSrgVtXOcEd89On2rEWF2i6sV4XQWpnj8cTzZ0huew)  Holy cow, have you seen the price of meat these days? When it comes to preparing holiday dinners for lots of guests, we say steer clear of pork tenderloins, ribeyes and the like, which may be too expensive for the average consumer. Instead, we're bullish on these five inexpensive cuts of meat, which can trim the cost of your cuisine without sacrificing any flavor. (Yes, all these puns were intended, and no, we're not sorry. Bon appetit!)          [Was this email forwarded to you? Subscribe Now.](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/4694e782?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmNiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTIyMCZhZmZfc3ViND0wOTM2JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMjIwJnV0bV9jb250ZW50PTA5MzYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=_ffx4wSDFoFkX5M9BYDPAT3NqinQ9BAn9wWZfuhIOqE)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S.  [Mailing Preferences](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/687832f9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=SUWMPtBhiOJMe-9Mzfm0PGncOn0VtDXYZVqDciIUTSA)  | [Unsubscribe](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/560e5ce0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=qZAyZTm4pIr6-HyAPEVlBZZ9a0F54zg35jxcgoZ1_lM)  | [Privacy Policy](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/258138ac?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3ByaXZhY3lcLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjAmYWZmX3N1YjQ9MDkzNiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyMCZ1dG1fY29udGVudD0wOTM2JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=fzB2inV3gNRztvFX-M3ORYQz7dkcTnpbcyF69KJCH4k)    [Facebook](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/af820f87?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmZhY2Vib29rLmNvbVwvdGhlcGVubnlob2FyZGVyXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjIwJmFmZl9zdWI0PTA5MzYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjAmdXRtX2NvbnRlbnQ9MDkzNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=RRcPXgezfoEWTJMlqZtYcBpDtCX4jTzWODAyjAyk8Zw)  [Twitter](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/ae7ce860?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmYiIsImxpbmtVcmwiOiJodHRwczpcL1wvdHdpdHRlci5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTIyMCZhZmZfc3ViND0wOTM2JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMjIwJnV0bV9jb250ZW50PTA5MzYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=d_5Y-j0TylKmhcWAWEH3k50Ci4-MEdoV-2hAYshwOL0)  [Pinterest](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/2a9a9273?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBpbnRlcmVzdC5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTIyMCZhZmZfc3ViND0wOTM2JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMjIwJnV0bV9jb250ZW50PTA5MzYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=NpvAB3FWji7X7HR-MWb6UvaePaGb90JPlJ2dpJi1tFw)  [instagram](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/f04dea58?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lmluc3RhZ3JhbS5jb21cL3RoZXBlbm55aG9hcmRlclwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTIyMCZhZmZfc3ViND0wOTM2JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMjIwJnV0bV9jb250ZW50PTA5MzYmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=xpbT68pUBDPdx4URDGRVP0NQkCYThmY9CWkPU5LoVKo)  [YouTube](6581d389af8178d6c906a121:ot:631faf77229f6550ab06f0cf:1/262bfe53?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDMwODMwMDIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODFkNWFjNmZkY2E3MjExMDA0ZTFmZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnlvdXR1YmUuY29tXC9jXC90aGVwZW5ueWhvYXJkZXI_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjIwJmFmZl9zdWI0PTA5MzYmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjAmdXRtX2NvbnRlbnQ9MDkzNiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=OLoaUf8BsuvxMUvnKl9rt-QMzhuddpR7UdNtAfs5A5U)                                 Â