What’s the Best Dollar Store? I Tried the 3 Biggest Chains

A sign for the dollar tree is shown next to a clear blue sky.

Tina Russell/The Penny Hoarder

In theory, the dollar store seems like it might be a one-way ticket to paradise. A store full of all of the items you need and, yes, some of the items you want — all for the price of a dollar. What could be better?

But at the end of 2021, popular chain Dollar Tree announced that it would be raising the price on most of its products from $1.00 to $1.25. The traditional dollar store was becoming a dollar store in name only.

Other businesses like Dollar General and Family Dollar might sound comparable, but they just sell their items for less. Dollar Tree was the last of the behemoths to inhabit the true ethos of a dollar store. And this year, even that last shred of vintage Americana died.

Still, we’ll leave you with a silver lining here: Dollar stores remain an inexpensive alternative to the big box stores where you’ll typically find your essentials, like laundry detergent, trash bags and body wash. In fact, you might be surprised by what you can find for a discount at the dollar store, items like socks, vases, greeting cards and even party supplies.

But is it really cheaper — and worth the potential inconvenience — than simply going to your local grocery store, Walmart or Amazon? We crunched the numbers to find out how each dollar store compares on the variety of products you need — and how they compare to the big box stores themselves.

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How to Kill Zombie Debt and Get Debt Collectors Off Your Back

Brains. Braaaaaaains.

Sorry, just channeling my inner zombie. If you’re in the mood to chop off something at the head, forget the fictional walkers and consider taking a whack at zombie debt.

Zombie debt is way less thrilling than it sounds but potentially scarier than the undead. It’s the debt — maybe a medical bill or store credit card you never paid — that’s so old you can’t be sued to pay it. But debt collectors buy up the debt and then try to trick or convince you to make a payment on it, which restarts the clock on the debt, allowing them to start hounding you again.

In the United States, approximately 28% — or 64 million people — had debt in collections on their credit report as of August 2021, according to an Urban Institute report. Even at pennies on the dollar, that’s a lot of potential money for zombie debt collectors — aka debt scavengers — to scare out of unsuspecting victims.

And it’s not just that zombie debt is annoying. Negative items, like unpaid debts, must be removed from your credit report after seven years, according to the Fair Credit Reporting Act. If your debt is resurrected, it could be reported to the credit bureau again and wreck your credit score.

So use that ol’ noggin of yours to stop debt collectors in their tracks with these strategies to fight zombie debt — no machetes required.

What Is Zombie Debt?

Zombie debt is a time-barred debt

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IRS Raises 401(k) Contribution Limits by a Record Amount

We can all agree that inflation stinks, right? But here’s one handy side effect, and it’s good news if you’re trying to save money for retirement.

Because of runaway inflation, the IRS is ratcheting up 401(k) contribution limits faster than they ever have before. Next year, Americans will be allowed to funnel significantly more of our paychecks into 401(k) and similar retirement plans.

Yes, it’s true that only about 14% of us actually max out our 401(k) plans each year. But this is big news for those of us who do. Also, if you’re not maxing out your plan, you might want to start thinking about it.

What Are the New Limits for Retirement Accounts?

Here are the deets: In 2023, the maximum amount you’ll be able to contribute to a 401(k), 403(b) and most 457 plans during the year will rise to $22,500, the IRS announced.

That’s a noticeable jump up from $20,500 this year. In fact, it’s up by a record 9.8%. The IRS has never gone that big before.

What are these different plans? In a nutshell, 401(k) plans are offered as benefits to employees in the private sector, while 403(b) and 457 plans are offered in the public sector.

Oh, and if you’ve got an individual retirement account, will there be an IRA? Thanks to inflation, the limit on your annual contributions to your IRA will jump from $6,000 this year to $6,500 next year.

The catch-up contribution limit for IRAs isn’t changing. Those 50 and

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