Take the drama out of eating out

Rent, gas, groceries and other bills too [The Penny Hoarder Daily]( [Together with EarnIn]( Imagine buying groceries or eating out without the worry. We found a company that wants to help you do that by letting you [access your paycheck sooner](. You earned it, so why wait for your money? We'll tell you about that, plus other ways you can save on everyday expenses like food and gas that you probably haven't thought of.   [How to save at restaurants]( [How Penny Hoarders Can Save at Restaurants]( If you’ve dined out recently, you know how expensive eating at restaurants has become. And the stats back up the sticker shock — menu prices have increased 4% year over year. Still, a meal out is a treat. You can skip the prep, cooking and dishes and still save money with [our list of ways to spend less at restaurants](.   [Top Hacks for Money Dummies]( You don’t have to be dumb to make dumb mistakes, especially when it comes to money. There’s no shame in it unless you don’t learn from it. We’ve got some [easy ways you can foolproof your finances]( and avoid making costly mistakes. [Together with EarnIn]( [Get Paid Anytime You Need Extra Money]( Imagine buying groceries or gas without the stress. [With EarnIn, you can take control of your finances]( and make these tasks less stressful. Stop waiting for Friday. If you have a job, an app called [EarnIn lets you take up to $100 a day from your paycheck]( or up to $750 per pay period. They won’t charge you interest rates either.1 You just have to pay back what you access from your next paycheck, and then you’ll be given the option to “tip” an amount you feel is fair for their services.2 EarnIn can even help you monitor your credit with instant access to your Vantage 3.0 score from Experian, providing credit usage, payment history, and fraud alerts.3 [Download the EarnIn app today]( and get your money when you need it. [Get Paid Early]( [Get Free Stuff at Restaurants With These Rewards Programs]( One way you can save at restaurants is by opting in to their rewards programs. You can score free stuff, birthday rewards and sometimes get access to otherwise off-menu items. We love all of that, so we put together the motherlode of lists — here’s the rundown on [50 restaurant rewards programs](.   [Experts: Never Do These Things With Your Money]( There are exceptions to most rules, and everyone has an opinion on money, no matter their qualifications. But if we don’t understand the actual experts’ money-management advice, we risk overpaying and overspending. Here’s [what they say you should never do with your money](. [You're probably paying too much for car insurance]( [Got Some Downtime? Here’s How to Turn It Into Cash]( Here at The Penny Hoarder, we don’t like wasting money and we don’t like wasting time. Because, after all, time is money. So why not spin your downtime into cash? [These six apps]( can help bring in hundreds extra each month.   [Skip the Restaurant: How to Go Gourmet at Home]( If you’re craving an upscale restaurant meal but can’t bring yourself to terms with the price, there’s another option. Here’s [how to master the art of elevated cooking on a budget](.   [We'll Text You More Money Tips]( 1 EarnIn is a financial technology company, not a bank. Banking services are provided by our bank partners on certain products other than Cash Out. Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, for more information please visit [(. 2 Tips go to EarnIn and do not impact the quality and availability of services, whether you tip or not. 3 Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Learn more: [( Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. [Learn more]( about how we make money and select our advertising partners. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin. © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S. [View in browser]( [Mailing preferences]( | [Unsubscribe]( | [Privacy Policy](