Stop being your own worst financial enemy

You could be $3,000 richer with a simple no ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌   [The Penny Hoarder Daily](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/a11b8418?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg1NzQwODEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1Mzk4YzQ5ZDcwNTcwYzg1NjBmNmIzNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9MTgyJnV0bV9zb3VyY2U9ZGVkaWNhdGVkJmFmZl9zdWIzPTIwMjMxMDI5JmFmZl9zdWI0PTA2MDgmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPTIwMjMxMDI5JnV0bV9jb250ZW50PTA2MDgmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=btS20AlIdoSyp_CsQvh8CDoaquhUNmBPCveW58XOyx0)   Do you ever feel like you’re sabotaging your own finances by spending too much? We get it — everyone has to learn how to get out of their own way. One of the first things you need to stop doing is overspending, especially if it’s with a credit card. We’ve got a collection of easy ways to stop spending outside your budget, plus a 21-day debt challenge to help you slash $5K from your credit card balance. [The 6 Dumbest Things We Keep Spending Too Much Money On](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/128ccdf9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg1NzQwODEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1Mzk4YzQ5ZDcwNTcwYzg1NjBmNmIzNSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvc3BlbmRpbmctdG9vLW11Y2gtcHJ0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTAyOSZhZmZfc3ViND0wNjA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTAyOSZ1dG1fY29udGVudD0wNjA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=S6NQxfWizI8PmyW7NtyomV-kCOrsrDBXdRaxsG7tYoc) How many times have you said "Oops! I did it again" when it comes to overspending? Here's how to evade six of the worst budget-killers.65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/71ec7da2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=_GF51ERfYXvgxke6hTFUeXmg2vSFoiOZj7mODXACWpQ[Add $3K+ to Your Savings Account Just By Saying No](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/ee368164?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=yqvFNIk4iAO1reYx40WeqlhlRclJ-eyuQu-c_tiO5PU)Stick up for yourself by saying no. Simply saying no to the things on this list could add an extra $3,310 to your savings. Say it loud and proud — no! [10-Minute Tasks That Could Add an Extra $741 to Your Wallet](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/662dcc24?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=4GruLSCw0-Xz-27vKWnZe09TJes-SzDQXIiBUUrkjIk)You could be making $10 a minute. Well, for at least an hour. Try to hit every one of these tasks. You could add almost $800 bucks to your wallet in just over an hour. [How to Add $1,156 to Your Bank Account Quickly](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/90574172?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg1NzQwODEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1Mzk4YzQ5ZDcwNTcwYzg1NjBmNmIzOSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvbmV4dC1tb250aC0xMDk4XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTAyOSZhZmZfc3ViND0wNjA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTAyOSZ1dG1fY29udGVudD0wNjA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=I-CAGfqNO_S26y_DFII97W10qdXkxvWklMi00veNgM4)Add almost $1,200 to your bank account in under 30 days with this rundown of ways to both save and make money.[More Than $5K in Debt? This Challenge Could Pay it Off in Less Than a Month](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/274f20b5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=Koa0z1cExcacn8FVjfnyTkVtxdXe5FbF5cs6fB8tkZ8)If you’ve got $5,000 or more in debt and you're tired of feeling the weight, this balance-shredding challenge is for you. The best part is you can do it in less than a month.      Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. Learn more about [how we make money and select our advertising partners](65398135d6bc10215407f4fd:ot:631faf77229f6550ab06f0cf:1/f2551aeb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTg1NzQwODEsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1Mzk4YzQ5ZDcwNTcwYzg1NjBmNmIzYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTE4MiZ1dG1fc291cmNlPWRlZGljYXRlZCZhZmZfc3ViMz0yMDIzMTAyOSZhZmZfc3ViND0wNjA4JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj0yMDIzMTAyOSZ1dG1fY29udGVudD0wNjA4JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Rfvvvptob5T9kdGSbxzWB2UsTP7-6_yjeq4EJQB_HSA).     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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