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Issue #27  |  Year in Review, Smart Holiday Shopping, Live Debt Free and More...
Greetings Worthies, here's the news you need to know this month. Reading time is 2:54 minutes.

A YEAR IN REVIEW

A big THANK YOU from everyone at Worthy! As 2018 comes to a close, we reflect on the incredible first year for our growing company. From launching our Worthy app in January to running a successful crowdfunding investment round, we are extremely grateful for the trust and tremendous support our community has shown us. We have sold millions in bonds and continue to put that money to work helping growing American companies...thanks to you! 

From our inception, Worthy was created as a platform where regular people (the 98%) could find professional grade investments and get access to fair economic opportunities. We are truly grateful to all of you for giving Worthy a try and for sharing with your friends, family, and peers. We are coming into the new year with big improvements on the mobile app front and will continue to find ways to bring value to our Worthy community!

Happy Holidays from our family to yours!

WORTHY USER STATS

We took a look at where our Worthy users were regionally located and wanted to share this chart with you.
Being an East Coast-based (Florida) FinTech venture, it is pretty spectacular to see so many of our users in California, Texas, Illinois and beyond! With your help, we are growing coast-to-coast and can’t wait to see what another year will bring.

SMART HOLIDAY SHOPPING TIPS

Holidays are synonymous with the feelings of joy, cheer and…being broke! Sound familiar? You are not alone in this, as an overwhelming majority of Americans do not stick to a budget during their holiday shopping and find themselves overspending and feeling stressed. Before you find yourself swiping away, review these suggestions to help you shop smart.

1. Make a list of people for whom you are buying gifts
2. Determine a gift budget based on what you are able to spend 
3. Divide your budget between all recipients you’ve listed 
4. Research some gift ideas that work within those individual budgets
5. Try to pay in cash for all of your purchases to avoid overspending 
6. Price-check to get the best deals
7. Shop by yourself in order to save time and avoid getting distracted
8. Shop online to save time and avoid unnecessary purchases
Want to create good financial habits in the new year?

Start with our 5% fixed interest Worthy bonds!


BUY BONDS

(Already have bonds? Set up a recurring monthly investment
or engage our spare change round-up feature for painless savings)

ONE MORE THING...

While sticking to a budget and getting great deals on your holiday shopping will certainly reduce some stress, here is another key thing to keep in mind. During the holidays, internet crime rates skyrocket resulting in credit card theft, identity theft and all kinds of fraud. Here is how you can protect yourself.

1. Buy only from real and secured websites (look for https://)
2. Be wary of deals that are too good to be true
3. Check reviews. Usually, scammers don’t get reviews
4. Avoid making purchases over public or open WiFi
5. Develop good password habits

LIVE DEBT FREE

As we approach the New Year, one of our wishes is to leave bad habits behind. That includes credit card mistakes that most of us make, causing high interest rates and larger than we were ready for balances. Getting on the right path before the New Year is the best way to discipline yourself into a responsible credit card ownership. Follow these tips to set a course into better financial future. LEARN MORE

SHOP SMALL

What can be better than a handmade gift? A handmade gift from a local artist. At Worthy, we cherish the global community of local makers and entrepreneurs. This holiday season, we encourage you to shop for gifts from small business owners who are the heart of America. Our favorite destination for craft gifts is Etsy! Explore to find something special for your friends and family while investing in your peers. Need some ideas? 2018 GIFT TRENDS
Quote we loved this week! Tweet it
Holidays - any holiday - are such a great opportunity
to focus on bringing the family together.

– Lidia Bastianich

CONNECT WITH WORTHY

Worthy Peer Capital is not a bank, Worthy Bonds are not FDIC insured, not bank guaranteed, and not a bank deposit account. This communication is not an offer to sell nor a solicitation of an offer to buy securities. See Offering Statement and related SEC Filing Documents.
Copyright © 2018 Worthy Peer Capital, All rights reserved.


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