Categories
Save Money

Wads Issues “Urgent” Alert: 3 Companies Are Overcharging You

You’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones I’m talking about: rent, utilities, cell phone bill, insurance, groceries…

Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…

1. Cancel Your Car Insurance

Chances are you’re seriously overpaying with your current policy. If it’s been more than six months since your last car insurance quote, you should look again.

And if you look through a digital marketplace called SmartFinancial , you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

2. Credit Cards: Ask This Company to Pay Them Off

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.AmOne won’t make you stand in line or call your bank, either.

And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could help you pay off your debt years faster.

3. Cut Your Cell Phone Bill to as Little as $5

When you’re trying to save money, every dollar counts. If you’re looking for bills to cut back on, we suggest looking at your cell phone provider.

How long have you been with your current company? Probably a while, right? Which means you’re probably paying way too much.

But we found a discount wireless company called Tello Mobile that offers plans starting at just $5 a month. How much are you paying now? Exactly. Imagine cutting that to just $5.

Tello recently switched to a nationwide GSM network, which means improved 4G LTE/5G coverage, faster data speed and a more stable network. It lets you choose a wireless plan based on how many minutes and how much data you want, and you can even use Tello’s coverage tool to see how strong its network is where you live.

More than 7,000 customers have given it an excellent rating on Trustpilot.

It’s easy to get started and see how much you could save. Tello makes it simple to switch and even keep your phone number. No need to even leave the house — you can do everything online.

You can bring your own phone or buy a new one through them. See how much you could save .

 

Categories
Make Money

7 Hush-Hush Ways Successful People Keep Growing Their Net Worth

“Let me tell you about the very rich. They are different from you and me.” — “The Rich Boy,” by F. Scott Fitzgerald

It’s true: Wealthy people manage their money differently from the rest of us.

And that means they probably don’t bank at the same place you do or make the same decisions about where to store money.

But we can still learn from them. Here’s are some of the hush-hush ways successful people are growing their net worth:

1. Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

Yep. A debit card called  Aspiration  gives you up to a 10% back every time you swipe, plus they give you up to 100x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your  email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. They’re Buying Up Companies

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

But with an app called M1Finance , it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — and you only need $100 to start.

We like M1 Finance because it lets you choose from hundreds of stocks and funds to build your own investment portfolio. But it makes it simple by breaking them down into categories based on your personal goals. Want to invest conservatively right now? Totally get it! Want to dip in with moderate or aggressive risk? Do what you feel.

Plus, with M1 Finance, you’re able to invest in fractions of shares, which means you can invest in funds you wouldn’t normally be able to afford.

It takes two minutes to sign up  , and it’s totally secure.

Plus, when you use the link above, M1 Finance will give you a $30 sign-up bonus once you deposit $1,000 into your account.

3. They’re Getting Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.

An investing app called Robinhood will give you up to $500 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account.

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

4. They Add $225/Month to Your Wallet Just for Watching the News

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars . They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $56 million.

It takes about one minute to sign up, and start getting paid to watch the news .

5. The Cancel Their Car Insurance

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.

If it’s been more than six months since your last car insurance quote, you should look again.

And if you look through a digital marketplace called SmartFinancial , you could be getting rates as low as $22 a month — and saving yourself more than $700 a year.

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

6. They Quickly Add up to 300 Points to Their Credit Score

You might not think your credit score is that important. In fact, you might not think much about it at all. But what happens when you want to buy a car? Or a house? Unfortunately, those three little numbers play a huge role in whether you’ll be able to do that.

And if you have an error on your credit report (one out of five reports do), that could stand in your way.

Thankfully, a website called Credit Sesame  will help you detect any errors — for free. It shows you why you have the score you do and gives you personalized tips to steer you in the right direction.

Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700.

Now she and her husband feel like they’re in a better position for their biggest goal — purchasing a house. It only takes about 90 seconds to sign up.

7. They Ask This Website to Help Pay Their Credit Card Bills

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could help you pay off your debt years faster.

Categories
Make Money

How to Put $533 in Your Savings Account Before You Go to Bed

If you needed extra money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

Without further delay, here are three ways to pocket up to $533:

1. Get $225 to Watch Movie Previews

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website called InboxDollars  will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus  to get you started.

2. This App Will Give You up to $83 When You Win a Game of Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that pays you up to $83 every time you win a game.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

3. Add $200 to Your Wallet Just for Watching the News

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching.

You could add up to $200 to your pocket by signing up for a free account with Swagbucks .

They’ll present you with short news clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and Swagbucks will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $429 million.

We talked to one user in Pennsylvania, 52-year-old Carolinda Hendrickson, who earned $1,200 in a year.

It takes about one minute to sign up, and start getting paid to watch the news .

Categories
Save Money

The 6 Biggest Money Secrets Most Rich People Won’t Tell You

Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)

But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

These are simple money moves any normal, non-millionaire person can make today. Each secret can get you closer to achieving your big goals.

Take a look:

1. Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

Yep. A debit card called  Aspiration  gives you up to a 10% back every time you swipe, plus they give you up to 100x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your  email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. You Can Ask This Website to Pay Your Credit Card Bills This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

3. Spend $10 to Buy an Apartment Building

Take a look at some of the world’s wealthiest people. What do they have in common? Many invest in large private real estate deals. And here’s the thing: There’s no reason you can’t, too — for as little as $10.

A company called Fundrise lets you get started in the world of real estate by giving you access to a low-cost, diversified portfolio of private real estate. The best part? You don’t have to be the landlord. Fundrise does all the heavy lifting.

Fundrise’s Starter Portfolio has a minimum of only $10 and is geared toward first-time real estate investors. Your money will be invested in the company’s Flagship Fund, which already owns more than $250 million worth of real estate around the country, from apartment complexes to the red-hot housing rental market to larger last-mile e-commerce logistics centers.

As tenants pay their rent, you could earn money through quarterly dividend payments, and over time, you could earn money off the potential appreciation of the property. Since 2014, Fundrise investors have earned roughly $100 million in dividends alone.

So if you want to get started in the world of real-estate investing, it takes just a few minutes to sign up and create an account with Fundrise .

4. You Should Cancel Your Car Insurance

Chances are you’re seriously overpaying with your current policy. If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a website called EverQuote , you could save up to $610 per year.

They’ll show you all your options at once. EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you. 

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

5. You Can Get Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started. 

An investing app called Robinhood will give you up to $500 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free app called Solitaire Cash that lets pay you up to $83 when you win games.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

 

Categories
Save Money

This Secret Banking Account Has No Fees and Pays 100x the Normal Interest Rate

Cash-back credit cards are fantastic. You can get paid just to buy groceries or fill up your gas tank.

This is basically extra money, as long as you only buy what you would normally and you pay off your balance each month.

Unfortunately, it can be hard to qualify for these cards. Credit card companies don’t just hand them out. To get your hands on that cash-back earning plastic, you might need a near-flawless credit history. Let’s face it: That’s something many of us don’t have.

We found another option, though.

It’s a debit card called Aspiration .

This online account comes with a debit card that lets you earn up to 10% cash back on your debit card spending and up to 100 times the average interest (the average checking account pays .01% these days) on the money you set aside to save.

That means you can start earning cash every time you swipe your card.

It’s no wonder Money Magazine ranked Aspiration “The Best Checking Account in America.”

Get Paid Every Time You Swipe Your Debit Card

This is actually an account that does a bunch of different things. You can pay your bills, build your savings, invest and earn interest — all in one place.

Here’s what Aspiration offers:

  • You get your cash back, obviously. (Bonus!)
  • The debit card comes with no monthly account-maintenance fee and low minimums.
  • It pays up to 100 times the national average APY of .01% on your savings.

Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

Tell the credit card companies to take a hike. You don’t need them or their approval anymore.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.

Categories
Save Money

5 Ways to Escape Credit Card Debt Without Breaking the Law

If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!

But there are five (legal) ways to escape it…

1. Ask This Website to Pay Your Credit Card Bills This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Let This App Pay Your Credit Cards When You Win Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it that can be used to pay off your credit cards?

There’s a free app called Solitaire Cash that pays you up to $83 every time you win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

3. Let This Company Negotiate Your Debt in Half

If you’re drowning in debt or dodging phone calls from creditors, it might be time to call in reinforcements.

A company called Accredited Debt Relief  will call your credit card companies (or other creditors) and convince them to reduce your bill — lowering them by as much as half!

Wouldn’t it be nice if you woke up tomorrow with half of your credit card debt gone?

Kerry Smith, a Green Beret combat veteran, used Accredited Debt Relief to help him tackle $84,000 worth of debt. He was able to lower his monthly payments by $700, leaving him more money to take care of his family.

“They’ve been able to negotiate these accounts that were $15,000 or $20,000 down in half, and that’s just something that I can’t do on my own,” Smith says. An added perk? No more calls from creditors.

Want to see how much you could save? It takes less than a minute to sign up for a free initial consultation . The program generally works with people who owe more than $15,000, and the average person enrolled in the program is debt-free within two to four years.

4. Earn Cash While Watching Cooking Videos Online

If we told you that you could get paid to watch cooking videos on your computer, you’d probably laugh. 

It’s too good to be true, right? 

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. 

No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225/month watching videos. That’s money that can go right towards your credit card debt.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

5. See If Your Credit Card Company Made a Mistake

Did you know that one in five people have an error on their credit report that could be costing them thousands of dollars?

The credit card companies are famous for reporting misinformation to the three bureaus.

Thankfully, a website called Credit Sesame will help you detect any errors — for free. If you find any, it will even help you dispute them.

Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700. 

Now she and her husband feel like they’re in a better position for their biggest goal — purchasing a house. 

Want to check for yourself? It only takes about 90 seconds to sign up .

 

*Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

 

 

Categories
Manage Money

5 Ways to Escape Credit Card Debt Without Breaking the Law

If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!

But there are five (legal) ways to escape it…

1. Ask This Website to Pay Your Credit Card Bill This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Let This App Pay Your Credit Cards When You Win Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it that can be used to pay off your credit cards?

There’s a free app called Solitaire Cash that pays you up to $83 every time you win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

3. Let This Company Negotiate Your Debt in Half

If you’re drowning in debt or dodging phone calls from creditors, it might be time to call in reinforcements.

A company called Accredited Debt Relief  will call your credit card companies (or other creditors) and convince them to reduce your bill — lowering them by as much as half!

Wouldn’t it be nice if you woke up tomorrow with half of your credit card debt gone?

Kerry Smith, a Green Beret combat veteran, used Accredited Debt Relief to help him tackle $84,000 worth of debt. He was able to lower his monthly payments by $700, leaving him more money to take care of his family.

“They’ve been able to negotiate these accounts that were $15,000 or $20,000 down in half, and that’s just something that I can’t do on my own,” Smith says. An added perk? No more calls from creditors.

Want to see how much you could save? It takes less than a minute to sign up for a free initial consultation . The program generally works with people who owe more than $15,000, and the average person enrolled in the program is debt-free within two to four years.

4. Pay off Debt by Saying Goodbye to Your Car Insurer

Paying off debt is a great way to boost your credit. And one of the best ways to pay off debt is to clear up some extra room in your budget. Easier said than done, we know. But when was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.

If it’s been more than six months since your last car insurance quote, you should look again.

And if you look through a digital marketplace called SmartFinancial , you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

5. Earn Cash While Watching Cooking Videos Online

If we told you that you could get paid to watch cooking videos on your computer, you’d probably laugh. 

It’s too good to be true, right? 

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. 

No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225/month watching videos. That’s money that can go right towards your credit card debt.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

6. See If Your Credit Card Company Made a Mistake

Did you know that one in five people have an error on their credit report that could be costing them thousands of dollars?

The credit card companies are famous for reporting misinformation to the three bureaus.

Thankfully, a website called Credit Sesame will help you detect any errors — for free. If you find any, it will even help you dispute them.

Salome Buitureria, a working mom in Louisiana, found a major error on her report this way. Using Credit Sesame, she was able to fix the mistake and take additional steps to raise her credit score from 524 to nearly 700. 

Now she and her husband feel like they’re in a better position for their biggest goal — purchasing a house. 

Want to check for yourself? It only takes about 90 seconds to sign up .

 

*Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

 

 

Categories
Manage Money

This Company is Willing to Pay Off Someone’s Credit Cards (if the Total is Under $100K)

Your credit card company is getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne  wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.  Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a minute and just 10 questions to see what loans you qualify for  — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

How It Works

Take, for example, Katherine, who faced $12,000 in credit-card debt. Holding her back? The 15.24% interest rate. By refinancing with a 5%-interest, seven-year personal loan, she saved $12,000 in interest.

If she’d kept on the same road, she would have paid something like $14,000 in interest alone over 25 years. Yikes.

So even if you’re simply curious about what’s out there, know that checking rates on AmOne  won’t hurt your credit score — and can probably save you in interest.

Categories
Save Money

These 5 Bills Are Draining Your Bank Account. Here’s How to Cut Back $2,579

Bills, bills, bills. They never seem to end, do they? They take more and more out of your account each month before you even realize it.

You can’t escape them entirely (wouldn’t that be great?), but you can stop them from being so darn painful every month. All it takes is ending your loyalty to a few companies you currently use for bills and fees that come every month.

Trust us, they won’t miss you. And you definitely won’t miss them — especially when you realize how much money you’ve been needlessly throwing away every month.

1. Your Credit Card Bill: Let This Company Pay it Off

If you’re reading this, there’s a 50% chance you have credit card debt — nearly half of U.S. adults do. And if you don’t pay it off every month, you’re draining your bank account with unnecessary — and terribly high — interest payments.

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to a whopping 36%!

But a website called Amone could help you pay off that bill as soon as tomorrow.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.  Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could help you pay off your debt years faster.

2. Your Car Insurance Bill: Save $400 

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

Thankfully, a free website called The Zebra will do the shopping for you — in just two minutes.

All you have to do is enter basic information about your car and driving history, then The Zebra compares prices from more than 100 companies to find you the best price.

The Zebra says it saves its users up to $440 a year. So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

3. Cut Your Cell Phone Bill to as Little as $5 

When you’re trying to save money, every dollar counts. If you’re looking for bills to cut back on, we suggest looking at your cell phone provider.

How long have you been with your current company? Probably a while, right? Which means you’re probably paying way too much.

But we found a discount wireless company called Tello Mobile that offers plans starting at just $5 a month. How much are you paying now? Exactly. Imagine cutting that to just $5.

It lets you choose a wireless plan based on how many minutes and how much data you want, and you can even use Tello’s coverage tool to see how strong its network is where you live. More than 7,000 customers have given it an excellent rating on Trustpilot.

Plans are priced based on how much data and how many minutes you want. Free hotspot and unlimited texts are included in every plan. Plus, there are no early termination or activation fees, no contracts or phone-exclusive plans and no tricks of any kind.

Tello makes it simple to switch and even keep your phone number. See how much you could save .

4. Give Your Family a $1M Without Getting Ripped Off

Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1 million with a company called Bestow .

Rates start at just $16 a month. The peace of mind knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow .

5. Find Out if You’re Overpaying for Homeowners Insurance

If you’re a homeowner, you probably have home insurance, but you hardly ever think about it. That’s good — it means you haven’t needed to use it. But it also means you don’t know if you’re being overcharged for it. 

It’s easy to find out, though. To see if you’re overpaying for your policy, check out  a website called SmartFinancial . It’s a digital marketplace where you can get quotes and compare rates to make sure you’re getting the best price. 

Homeowners can save hundreds of dollars when they switch home insurance companies this way. It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.

Categories
Save Money

Saying No to These 5 Things Could Put $3,104 Dollars in Your Savings This Year

Saying yes can feel really good.

You can say yes to a new job, yes to a proposal, yes to more freshly grated parmesan on top of your pasta.

But you know what feels even better sometimes? Saying no.

Saying no is powerful. Saying no is a statement. And saying no can save you a ton of money. Just how much? It depends on how often you can say no to these situations:

1. Say No to Getting Ripped Off By Your Home Insurance Company and Save $690/Year

You’re probably wasting money right now. And it’s probably on something you’d never expect — your homeowners insurance policy.

This isn’t something you actively think about — you just know you’re required to have it.

The problem is, you’re paying too much. Luckily, an insurance company called Smart Financial makes it easy to find out how much you’re overpaying. It finds you cheaper policies and special discounts in minutes.

Homeowners can save hundreds of dollars when they switchhome insurance companies this way.

And just because you’re saving money doesn’t mean you’re skimping on coverage. Smart Financial will make sure you have what you need.

Just answer a few questions about your home to see how much money you’re wasting.

2. Say No to Expensive Car Insurance and Save $610/Year

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

3. Say No to Paying Full Price and Save $1,825 This Year

Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?

That’s exactly what this free service  does. It says no for you.

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

Using it’s savings estimate tool, you could save between $365 and $1,825 every single year, depending on how many online purchases you make.

You can get started in just a few clicks to see if you’re overpaying online .

4. Say No to Paying Your Credit Card Company

Your credit card company is getting rich by ripping you off with high interest rates. But a website called Fiona wants to help you say no to those insane interest payments.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

5. Say No to Low Interest Banking Accounts and Get 16x the Normal Rate

Low interest banking accounts are all too common. You can make just pennies on your money. But with an account from a company called Aspiration, you can finally say no to those measly interest rates — and earn a sign up bonus, too.

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe, plus they give you up to 16x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”