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The Woman Who Made $12K in Her Sleep Answers Your Burning Questions

Dear Penny Hoarders, It’s me, Jillian, that girl who spent lots of time making lots of money to sleep. After writing about my experiences, I started receiving several of the same questions from readers, so I figured I’d answer all of them in one easy-to-read place. For those who haven’t seen the original story , here’s a quick recap. Research facilities around the world pay people to sleep, and you can participate in those studies by following a few steps. It’s a fun and fulfilling role that gives you the opportunity to contribute to science, while making some cash in... Read more

The Woman Who Made $12K in Her Sleep Answers Your Burning Questions

Dear Penny Hoarders, It’s me, Jillian, that girl who spent lots of time making lots of money to sleep. After writing about my experiences, I started receiving several of the same questions from readers, so I figured I’d answer all of them in one easy-to-read place. For those who haven’t seen the original story , here’s a quick recap. Research facilities around the world pay people to sleep, and you can participate in those studies by following a few steps. It’s a fun and fulfilling role that gives you the opportunity to contribute to science, while making some cash in... Read more

This Could Lower Your Monthly Student Loan Payment — but is It Worth It?

As if college wasn’t stressful enough, there’s also the crushing pressure that comes when your first student loan payment is due six months after graduation. Depending on how much debt you have, that bill could range from a couple hundred dollars to more than $1,000 a month. And if you weren’t lucky enough to land a six-figure job right out of college, making those payments on top of all your other bills can be a struggle. Income-based repayment plans can help. If you’ve got federal student loans, these plans may help relieve some of your stress by significantly lowering your... Read more

Big Banks Made $6.4B Off These Easy-to-Avoid Fees — Here’s How to End it

Everyone’s checked their bank account at least once to gape in wonder, “What the heck is THAT fee?” But no, really, it’s everyone. The big banks are collecting so much from our overdraft and ATM fees that it equates to at least $25 collected from every adult American, according to an analysis by CNNMoney . In fact, the three big banks — JPMorgan Chase & Co., Bank of America and Wells Fargo — bogarted $300 million more in these fees last year than they did in 2015. The total? $6.4 billion. Tired of giving the big banks any more of... Read more

Sex in the City: This Swedish Town May Pay its Workers for Sex on the Clock

I thought I’d heard every idea on the planet about how to boost work-life balance, but a new proposal up for debate in a Swedish town has topped them all. Councilman Per-Erik Muskos, a councilman in Overtornea, Sweden, wants to give all municipal employees an hour of paid time off each week to have sex . Apparently, the local birth rate is down, and so is employee morale. Muskos believes his idea is the solution to both. Sounds legit to me. Muskos says the the positive benefits of sex are well documented, and it’s also an excellent form of exercise.... Read more

27 Job Interview Questions That Will Make You Sweat Just Reading Them

Job interviews make me all sweaty. I still vividly remember my interview with The Penny Hoarder. Clad in a dress that somehow hadn’t wrinkled in the back of my car (I was in the middle of moving), I walked up to the front door and rang the doorbell. “ Was I supposed to do that?” I asked myself, suddenly questioning the very routine task. The hiring manager showed me around the office. She offered me water. I accepted. “ Was I supposed to accept that? ” I asked myself, suddenly questioning the kind gesture. And, although I tried to act... Read more

This Alarming Stat Shows Just How Unprepared Americans are for Retirement

Friends, let’s have a chat about retirement. I know that saving money is hard. And saving so that an abstract future version of you can have all the fun you wish you could be having right now? That’s even harder . While forcing yourself to save for something that’s far from immediately gratifying is difficult, it’s one of the most important moves present-day you can make for future you — unless future you wants to be one of the many Americans working past age 65 because they’re unable to retire. And it might be a bigger problem than we realize:... Read more

Your Fingers Will Thank You for Checking Out This Calphalon Knife Recall

I know you like to Bobby Flay it up in the kitchen. I can picture you slicing and dicing like the master chef that you are. You’ve got the batonnet, the julienne and the chiffonade down. Onions? Carrots? They don’t stand a chance between you and your knives. Before you make dinner tonight, though, you might want to check your cutlery — especially if it’s Calphalon. On Feb. 22, the kitchen supply company recalled about 2 million knives due to reports of blades breaking during use, putting users at risk of injury.   Yikes. If you have select models of... Read more

This Survey Says More People are Putting Careers Before Other Life Goals

Would you put off an expensive, long-term life goal so you can earn and save enough money to support it? Or would you pursue it as soon as possible, then hope you earn enough to support it along the way? That’s the choice faced by 83% of women and 79% of men over the age of 25 who plan to have children, according to a new CareerBuilder survey . Respondents say they’re waiting to start a family until they can afford it. 15% of women say they’re holding off until they’re at least 35, and 63% are waiting until they’re... Read more

Taxes Are Confusing. What Does Head of Household Mean?

Being an adult is great. You get to be king or queen of your own castle — or head of the household, if you will. It’s all fun and games until tax time rolls around, and then “head of the household” takes on an entirely different meaning. Shudder . Filing your taxes as head of household can seem vaguely intimidating, but it’s really nothing more than a designation by the IRS that may lower your tax bill and put more money in your pocket. See? It’s not so scary after all. What the Heck is Head of Household? Head of... Read more

Drink Up! (Or Not): Are Cruise Drink Packages Worth the Cost?

I go on a lot of cruises. So one of the questions people ask me most frequently is whether drink packages are worth the cost. My answer? It depends. Most cruise lines include basic beverages like coffee, tea and water with the fare because, honestly, they don’t want passengers falling over on deck from dehydration. But when it comes to Frappucino lattes or finely aged port, you’re going to need to pony up some cash. Coffee, Tea or Wheeeee! A lot of cruisers enjoy a poolside drink (or more — ahem) or a cocktail with dinner. Others like to sip... Read more

Here’s Why McDonald’s Wants to Sell You Sodas for Just $1

Oh, McDonald’s. It’s sweet, really, to watch you try to lure us back in. First it was gimmicks, like all-day breakfast or the recent “There’s a Big Mac for That” campaign . And sure, those tricks worked for a hot minute — until the novelty wore off. But now, after years of trying to regain our attention while still periodically raising prices (can you even call it a dollar menu anymore?), McDonald’s is trying a new strategy. Soon, the purveyor of delicacies such as the McRib sandwich will offer any size soft drinks for just $1. And for a limited... Read more

27 Hard-Won Lessons about Writing from New York Times Bestselling Authors

Writing tips are like beer nuts. They’re addictive . No matter how many you have, you always want more. But do you ever get the feeling that the writing “experts” who are dispensing the tips barely have more experience than you? Which usually means their advice is either second-hand or second-rate. And maybe that’s why it fails to hit the spot, and you find yourself reaching robotically for the next tip. The thing is, sometimes you have to go back to the source to find the real stuff — wisdom borne from personal experience, not well-meaning guesswork or threadbare philosophical... Read more

Surprise, Millennials Suck at Saving and Avoiding Debt (Unless They Don’t)

Do you have credit card debt? How about a savings account? Which one is bigger? A new Bankrate survey asked just that. And while Bankrate would lead you to believe our financial security is in dire straits, we’re pretty impressed with the results. While you’re tallying your own balances, here’s what Bankrate found. If You’re in This Group, You’re Going to be OK The results of Bankrate’s Financial Security Index survey were more optimistic than one might expect. Of those Bankrate surveyed, 52% reported having more emergency savings than debt. Meanwhile, 24% of respondents said they had more debt than... Read more

The Ultimate Guide to Filing Your Taxes If You Drive With Uber or Lyft

While you’re busy buzzing around town picking up your Uber or Lyft fares, don’t forget: The deadline for filing your taxes is right around the corner. When you signed up to drive with Uber  or Lyft , you became an independent contractor for the company. That means you’re self-employed. Yay! It also means you’re responsible for your own taxes and all the paperwork that comes with it. Boo. I’ve been working for myself (although as a writer) for a long time, so I can tell you how to file independent contractor taxes —  it  isn’t as bad as it sounds .... Read more

Bummed About Your Finances? It Might Have to Do With Your Political Views

Roughly half of everyone who took a new Experian survey expect their personal financial status will improve in the next four years. The notion that Americans are pretty evenly divided on matters of their personal financial health, or anything else really, isn’t really news. But it gets really interesting when you sort the responses by political party. This is Experian’s partisan breakdown of who believes their financial status will improve in the next four years. Now, before anyone starts reading too far into those numbers, consider this: Supporters of the dominant party in power typically have the most optimistic personal... Read more

Do Wells Fargo and Walmart Owe You? 5 Class-Action Suits That Pay Big

A few years ago, I made the switch to natural household cleaners. This came after watching my husband suffer an asthma attack in our home. I started wondering if the fumes from everyday cleaning sprays were making things worse for him. I started looking in stores for the best chemical-free cleaners on the market. Method ended up being one of my favorite products, both for its claims of being “naturally derived” and “non-toxic,” and its price tag. Like most customers, I rely on label claims when making purchases, and like most customers, I’ve found that I can’t always trust them.... Read more

8 Smart Time Management Strategies for Insanely Busy College Students

At one point in college, I worked three jobs on top of taking a full course load. Somehow, despite working around 60 hours a week outside of school, I managed to get two A’s and one B. There are many students who, like me, juggle tons of responsibilities and stress. And we’re able to do it because we have one thing in common: strong time-management skills. But even if you aren’t trying to balance multiple jobs on top of classes, staying afloat during the school year can be difficult. Between extracurriculars, studying and still trying to maintain a social life,... Read more

What the Heck is a HELOC? Here’s Exactly What You Need to Know

The first time Laura Agadoni used a home equity line of credit — aka a HELOC — was to finish the basement in her suburban Atlanta home. Whenever she had to pay contractors, she used the $20,000 line of credit. “By doing so, we added value to our home using the equity in our home,” she said. Most recently, she used a HELOC to help buy an investment property. She’s using the rental income to pay off the debt. “I like the flexibility of having a big line of credit available to me in case I need to or want... Read more

The 12 Best Ways to Make Extra Money in 2017

New year, new you, right? Cliche as it may sound, it’s never a bad time to start padding your bank account, regardless of what time of year it is. Whether it’s for a rainy day, a major purchase or just to relieve some financial anxiety, there’s nothing wrong with looking for new income streams. And you’re in the right place. This list of ways to make money this year will get you in better shape in more ways than one. Some of these will literally help you get healthy, another can help inspire change. One can get your voice out... Read more

10 Cities With the Best and Worst Credit Scores — and How to Improve Yours

Disclosure: This post contains affiliate links. By checking out this featured content, you help us bring you more ways to save! Do you want the good news or bad news first? Experian just released its 2016 “State of Credit” analysis , a statistical look at how Americans are handling their credit. The report dives into consumer behavior by city, ranking those with the best credit scores and those with the worst . It also reveals some telling numbers about credit cards and debt. Here’s what you need to know. The Good News First: 10 Cities with the Highest Credit Scores... Read more

This Travel Company Wants to Pay You to Tour Europe for 5 Months

Are you itching to travel this summer? Me too. But sometimes life — and money — gets in the way. But I found this awesome opportunity that’ll pay for 5 months of European travel. Busabout , a European and Asian travel network, is looking for two travel addicts to travel throughout Europe — all expenses paid. The catch? Honestly, I can’t find one. Busabout Wants to Pay 2 Travel Addicts to Tour Europe This travel network is for free-spirited travelers who want to create their own trip on their own schedule. That’s where the open brand ambassador and video producer... Read more

This Messenger Bot Wants to Save You Big Money on International Transfers

If you regularly send money to family or friends in other countries, you’re probably no stranger to international wire transfers. But a new Facebook Messenger bot wants to make your life easier if you’re constantly checking exchange rates or sending money abroad. Here’s how. TransferWise Bot for Facebook Messenger On Feb. 20, online money transfer provider TransferWise Ltd. announced a new bot that’s integrated with Facebook Messenger. The bot allows customers to send money and set up rate alerts without leaving the Facebook Messenger app. The bot could save you time; thanks to the wonderful world of economics, market rates... Read more

This Work-From-Home Customer Service Job Pays Up to $18/Hour

This is a universal narrative, in my opinion. You’re headed out to a concert, sporting event or festival. You’re scrambling to get ready and are about to run out the door. Wait, the tickets! You open your laptop. Dead. Once it charges up, click “print.” Printer out of ink. Paper jams. OK, maybe this is worst case scenario, but I swear it always happens to me. That’s why Brad Griffith created Gametime , a nifty mobile tool that keeps all of that buying, selling and printing mess behind a screen. The tool has launched in 35 cities — in fact,... Read more

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