Shrinking Social Security + growing your savings

ICYMI: A roundup of this week's most popular articles [Sum It Up]( [Together With The Ascent]( Inflation seems to be shrinking, but so are Social Security benefits for retirees. When you feel like your money doesn't go as far as it used to because prices are up or your income is down, it can be tempting to rely on credit cards. Eventually that catches up with you in the form of ballooning debt and crushing interest payments. Luckily, we found a bunch of side hustles to earn extra cash before the holidays, plus we'll tell you about a company that wants to help you [pay off your credit card debt faster and cheaper](.   [Earn $1,156 Before Next Month]( [Earn $1,156 Before Next Month]( These money tips, including a bank account with a $300 welcome bonus, could help you [add $1,156 to your bank account before Thanksgiving](.   [Make More Money Without a Second Job]( If your bank account feels like it's getting smaller, raise your hand. How are you supposed to keep up with rising household bills when your paycheck isn't getting any bigger? Here are some ways to [give yourself a raise]( by pocketing an extra $2,648 without getting a second job. [Together With The Ascent]( [0% intro APR now into 2026]( [Say Hello to 0% Intro APR Until April 2026]( Prioritizing rent, utilities, and groceries sometimes means making the minimum payments on your credit card balance, which would be fine if you weren't racking up more debt on those [overwhelming interest charges](. Or you could transfer your balance to this card and [pay off your debt interest-free](. It has 0% intro APR on balance transfers for 18 months. Meaning, you can calculate exactly how much to pay each month to clear your balance before the introductory period ends. There's no annual fee, and on top of all that money you'll save with interest-free payments, you'll also [get huge cashback rewards on everyday purchases](. Don't let your high-interest credit card debt overwhelm you any longer. Sign up for this credit card now to start paying off your debt interest-free for the next 18 months. [Get 0% Interest for 18 Months]( [We Vet Every WFH Job Posting on Our Board]( Looking for work-from-home (WFH) roles can be tough, especially in the current market. But the Penny Hoarder WFH job board is different because every job we find and share with you is vetted by a real human being (who happens to work remotely too). And if salary info is available, we'll include it in the post. These desirable job openings don't last long — sometimes less than a day — but [we find and share new WFH jobs every week]( so job-seekers should bookmark this page and check back often.   [Social Security Benefits Are Shrinking]( The Social Security Administration announced 2025's cost-of-living (COLA) adjustment for beneficiaries, and it's making news for a very unfortunate reason: [It's the smallest COLA increase since 2021.]( Just how small is this increase? And how can seniors find out exactly how much their Social Security benefits will go up? Our guide has all the details.   [How Rich People Retire Early]( They could probably retire any time they want to, but rich people want to stay rich during retirement. And if you want to [retain your spending power when you're done working]( steal some of these strategies rich people use to retire early.   [What To Know Before Filing An Insurance Claim]( Hurricanes, floods, the neighbor kid who doesn't know how to parallel park — the world is filled with things that can damage your property without warning. Unexpected damage to your car or home may have you running to your insurance company looking to file a claim, but before you do, [stop to evaluate these six factors](. A claim may actually cost you more money in the long run, making paying out of pocket the better option. We explore both routes to save you the trouble (and some money).   [We'll Text You More Money Tips]( 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](