So, 2021 was a really terrible year, am I right?

This pandemic has stolen all kinds of things from us.

It emptied our bank accounts and shredded our peace of mind.

A woman holds boxing gloves while standing in an elevator ready to fight back.

Is it coming for us, too?

When it comes to money, were firm believers that its better to be safe than sorry.

1. verify You Dont Leave Your Family a Huge Bill When You Die

You love your family.

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The last thing youd want to do is leave them to foot a huge expensive bill after you die.

Did you know it can cost $7,000 to $15,000 just to cover funeral costs?

And that doesnt include other final expenses, such as leftover credit card debt or medical bills.

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7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

This process used to be a pain.

But with EverQuote, you could get started in just a few minutes.

Final expense policies range from $5,000 to $30,000, and you dont even need a medical exam.

Click here to get started then never worry about this again.

Your family will thank you.

*Rate is for a 50-year-old non-smoking woman.

Of those, more than 90% have bought something from Amazon.

But no matter what youre buying online, you may be paying too much for it.

In many cases, there might be a better deal somewhere else.

It just feels like a pain to look for it.

Wouldnt it be useful to get an alert when youre about to overpay?

A polite little alert, not an obnoxious one.

Thats exactly whatthis free servicedoes.

These free alerts can be added to your surfing app.

Itll even apply any available coupon codes to your order automatically.

So far, this free tool has saved users more than $160 million in the last year.

you’re free to get started in just a few minutes andsee if youre overpaying online.

Watch Out for Rising Food Prices

Some purchases are optional, but food isnt one of them.

That may not seem like a lot.

But over a whole year, thats really going to add up.

Weve got a way for you to get some of the money back.

you could do this five times, or up to $50.

Then take a picture of your receipt showing you purchased an item from one of the participating brands.

For your efforts, youll earn gift cards to places like Amazon or Walmart.

You candownload the free Fetch Rewards app hereto start getting free gift cards.

Over a million people already have, so they must be onto something.

But you never seem to make a dent.

Its because of those sky-high interest rates as much as 24% interest.

It can feel impossible to get ahead.

ButMoneyLioncould help you find offers to cut your interest rate by 70% as soon as tomorrow.

Thats 70%* lower than the average credit card interest rate.

And its the key to finally getting ahead.

If you have a credit score of at least 620, you could get up to $100,000.

And terms go up to 144 months.

Worried you wont qualify?

Take two minutes to check online andsee if you could cut your credit card interest rate by 70%.

*Based on creditworthiness.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

Hes scared of 2023.

No Interest Til Almost 2027?

Balance Transfer = Credit Card Cheat Code