NOT another Black Friday email

Time for your end-of-month financial checkup [The Penny Hoarder]( Time For An End-Of-Month Financial Checkup November's almost over, so it's time to check for opportunities to spend less and save more — especially with every retailer in the world trying to get in your wallet before the holiday. Here are four proven ways you can improve your money outlook in December: [1. Get Rid of High-Interest and Earn Up to 5% Cash Back with This Card]( Stop bogging yourself down with those high-interest credit card payments. It seriously limits your spending power. If your monthly interest payments are starting to creep out of control, you might need to take a look at changing things up with your current credit card and [transfer your balance to a card with a 0% intro APR](. Take back control with this card. It's got a generous 0% intro APR on balance transfers until 2026, which means you could get the breathing room you need to tackle your debt without being hamstrung by interest payments for a whole year. On top of that, you can [earn up to 5% cash back on everyday purchases, 1% cash back on all other purchases, and a $0 annual fee](. It's really a no-brainer when you consider you could save on interest and earn on everyday purchases. Get rid of your high-interest payments. [Learn more about this card]( today.   [2. Get 4.50% APY + A $30 Bonus With This High-Yield Cash Account]( With Wealthfront, you can forget about annoying bank fees and [earn a whopping 4.50% APY through partner banks on your cash]( — about 10x the national average savings rate. Enjoy unlimited transfers, same-day withdrawals, zero account fees, and no minimum balance requirements to earn 4.50% APY.1 Wealthfront isn't quite a bank, but it works with several FDIC-insured partner banks to give you the convenience and flexibility you expect, minus the sneaky fees and account requirements. The best part? You can [get started with Wealthfront with only a $1 opening deposit or snag a $30 bonus]( when you deposit $500 or more (terms and conditions apply).3 Join Wealthfront today and make your money work for you — not your bank. [Claim Your Welcome Bonus](   [3. Get Up To $100,000 From This Company]( Every month, you make payments toward your credit card debt. But you never seem to make a dent. It's because of those sky-high interest rates — as much as 24% interest. It can feel impossible to get ahead. But MoneyLion could help you find offers to [cut your interest rate by 70% as soon as tomorrow](. Here's how it works: MoneyLion can match you with new loan offers at a lower interest rate — as low as 5.99% APR.4 That's 70%4 lower than the average credit card interest rate. And it's the key to finally getting ahead. You can use this new loan to pay off all your existing credit card debt, leaving you with one (cheaper) monthly payment that will help you get out of debt faster. If you have a credit score of at least 620, you could [get up to $100,000 with no collateral](. Terms go up to 240 months. Worried you won't qualify? Take two minutes to [check online and see if you could cut your credit card interest rate by 70%](.   [4. Get $150 To Switch To 5G Home Internet, Pay As Little As $30/Mo.]( There are some bills you just can't avoid. For most of us, that includes our internet bill. Your provider knows it's pretty hard to go without it these days — that's why so many of us are overpaying. But with T-Mobile, you can [get high-speed, 5G home internet for as little as $30 a month](. They'll even guarantee to lock in your price. You're probably thinking there's some catch, but they'll let you try it out for 15 days to see if you like it. If not, you'll get your money back. You don't even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees. Even better? When you switch now, you'll [get $150 back via Virtual Prepaid Mastercard or a free Amazon Fire TV 40-inch 2-Series]( when you sign up online. Just [enter your address and phone number here]( to see if you qualify. You could be paying as low as $30 a month for high-speed internet.   [Earn $2,648 Without A Second Job]( 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]( Disclaimers: 1Based on the national average interest rate for savings accounts as posted on FDIC.gov, as of July 15, 2024. 2Client must maintain $500 by the 30 day mark. See website for details. 3Checking features for the Cash Account are subject to identity verification by Green Dot Bank, Member FDIC. Cash account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage";), a Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the interest rate, and provide FDIC insurance. The APY rate listed is as of 09/19/2024 and is subject to change at any time. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. Limits, fees, and exclusions apply. All investing involves risk, including the possible loss of money you invest. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. Please note, Real-Time Payments (RTP) transfers may be limited by destination institutions,daily transaction caps, and by participating entities such as Wells Fargo and the RTP® Network. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront doesn't charge for transfers, but receiving institutions may impose an RTP fee. The Penny Hoarder receives compensation when a reader clicks on the referral link that redirects them to Wealthfront, which creates a conflict of interest. Penny Hoarder's opinions in this article are their own and are not tied directly to such compensation. The Penny Hoarder and Wealthfront Brokerage, LLC are not associated with one another and have no formal relationship outside of this arrangement. 4Based on creditworthiness. Average credit card interest rate is 24.72% as of 8/14/24, according to Forbes Advisor's weekly credit card rates report.