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Save Money

9 Lessons to Take From Millionaires Who Are Really Good With Money

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 tip can get you closer to achieving your big goals.

Take a look:

1. They Take Money Out of Their Checking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe. How much does your current bank offer you?

Need to buy groceries? Extra cash.

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

You were going to buy these things anyway — why not get this extra money in the process? Do yourself a favor and deposit $100 into an Aspiration account today so you can start taking advantage.

To get started, 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. Leave Your Family up to $1M

Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones. But you could still leave them up to a $1 million in life insurance — and you don’t even need to have the money in the bank.

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

We hear people are paying as little as $8 a month. (But every year you wait, this gets more expensive.)

It takes just minutes to get a free quote and see how much life insurance you can leave your loved ones — even if you don’t have seven figures in your bank account.

3. Find Out If You’re Overpaying

Millionaires always have access to the most exclusive services. They’re not pushing a cart around the store or cutting coupons; they have people to do that for them.

But even if you don’t have pros on staff, you can still get that kind of privilege — for free.

Wouldn’t it be nice if you got an alert any time you’re shopping on Amazon or Walmart and are about to get ripped off?

A free service called Wikibuy will.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Amazon, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.

Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Wikibuy will pop up and let you know if you’re about to overpay. It will even automatically apply any known coupon codes to your order.

So far, Wikibuy has saved users more than $70 million.

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

4. They Cancel Their Car Insurance

How often are you even using your car right now? Regardless, there’s one thing we’re nearly certain of — you’re overpaying on car insurance.

That being said, shopping for car insurance is a pain which is why we like using a free service like Gabi. In just a few minutes you can see if any other companies are offering a cheaper rate with the same coverage and deductibles you already have.

Take Lourdes Robles-Velazquez, for example. The single mom lives on a tight budget. She was paying $205 a month to insure two Toyota Priuses — hers and her daughter’s. By comparing prices, she knocked $80 off her monthly car insurance bill. That’s nearly $1,000 in savings per year.

Wondering how much you could save? Head over to Gabi, and start browsing your options. It takes all of two minutes.

5. Use up Your Entire Paycheck

No, we’re not talking about going to Whole Foods and buying out its fancy cheese supply (though that’s the first thing we’d do if we had $1 million). Instead, we’re talking about creating a zero-based budget, a budget that finds a place for your every dollar.

You’ll want to start by tracking a month of expenses. How much do you (or don’t you) have remaining? Then, consider your financial goals. Do you want to save money? Invest money? Pay off debt?

Work backward to cut your expenses until you can achieve that goal. It might take some patience, but it’ll pay off.

6. Invest in Real Estate (Even if You’re Not a Millionaire)

The stock market can be a scary place. Stock prices shoot up and down like a roller coaster ride, and who knows when the whole thing might crash?

It would be nice to diversify and invest some of your money in real estate, but don’t you have to be wealthy to do that?

Now you can invest like the 1% does, and all you need to get started is $500. A company called DiversyFund will invest your money in commercial real estate — specifically, in apartment complexes that it owns — and you only need $500.

Real estate can potentially earn you more money than the stock market. Over the long term, investing in the stock market will earn you an average annual return of 7%, adjusted for inflation, according to a number of studies. DiversyFund can’t guarantee how its investments will perform in the future — no one can — but historically, it has earned an annual return of 17% to 18%.

So you don’t need a fortune to invest in real estate. All you need to get started is $500.

7. Stop Paying Your Credit Card

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

Your credit card is getting rich by ripping you off with insane rates, but a website called Fiona could help you pay them off tomorrow.

Here’s how it works: Fiona will 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 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.

8. Get up to Free $500 Stock

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.”

9. Grow Your Wealth By Learning From Others

Two woman sitting next to each other in an office-type setting, and they go over material on a cell phone and laptop.

One of the best ways to get your money in order? Learning from others! These could be the millionaires themselves, personal finance experts or real-life people who’ve had success. Search the internet for blogs and websites, listen to podcasts and read books.

Here are a few of our favorite resources (ahem, besides ourselves):

“How to Money” podcast

“The Total Money Makeover” by Dave Ramsey

“The Side Hustle Show” podcast

“Rich Dad, Poor Dad” by Robert Kiyosaki

“The Money Nerds” podcast

“The Richest Man in Babylon” by George Samuel

Categories
Save Money

9 Lessons to Take From Millionaires Who Are Really Good With Money

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 tip can get you closer to achieving your big goals.

Take a look:

1. Take Money Out of Your Checking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe. How much does your current bank offer you?

Need to buy groceries? Extra cash.

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

You were going to buy these things anyway — why not get this extra money in the process? Do yourself a favor and deposit $100 into an Aspiration account today so you can start taking advantage.

To get started, 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. Leave Your Family up to $1M

Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones. But you could still leave them up to a $1 million in life insurance — and you don’t even need to have the money in the bank.

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

We hear people are paying as little as $8 a month. (But every year you wait, this gets more expensive.)

It takes just minutes to get a free quote and see how much life insurance you can leave your loved ones — even if you don’t have seven figures in your bank account.

3. Get up to $500 in 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. Ask This Company to Help Pay off Your Credit Cards

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

Your credit card is getting rich by ripping you off with insane rates, but a website called Credible could help you pay them off tomorrow (up to $100K).

Here’s how it works: Credible will 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.

Credible 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. They Don’t Waste Hundreds on Homeowner’s Insurance

A neighborhood at sunset.
Getty Images

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 PolicyGenius makes it easy to find out how much you’re overpaying.

Policygenius’ policies start at just $25/month. And just because you’re saving money doesn’t mean you’re skimping on coverage. Policygenius will make sure you have what you need.

Just answer a few questions about your home to get started.

6. They Cancel Their Car Insurance

If you need to free up some extra room in your budget, one of the easiest places to start is to cut back on your monthly bills — like your current car insurance.

In most places, it’s straight up illegal not to have it, so you’ve probably accepted that you’re going to pay through the nose for it. But you don’t have to.

A free website called Savvy will help you find the best rates — in just 30 seconds. In fact, it saves people an average of $826/year.

All you have to do is connect your current insurance, then Savvy will search hundreds of insurers for a better price on the same coverage. It’ll even help you cancel your old policy and get you a refund from your current insurer. Best yet: This is totally free.

Take Lourdes Robles-Velazquez, for example. The single mom lives on a tight budget. She was paying $205 a month to insure two Toyota Priuses — hers and her daughter’s. By comparing prices, she knocked $80 off her monthly car insurance bill. That’s nearly $1,000 in savings per year.

If you find a better deal, you can switch right away and don’t have to wait for your next renewal or even your next payment.

7. Use up Your Entire Paycheck

No, we’re not talking about going to Whole Foods and buying out its fancy cheese supply (though that’s the first thing we’d do if we had $1 million). Instead, we’re talking about creating a zero-based budget, a budget that finds a place for your every dollar.

You’ll want to start by tracking a month of expenses. How much do you (or don’t you) have remaining? Then, consider your financial goals. Do you want to save money? Invest money? Pay off debt?

Work backward to cut your expenses until you can achieve that goal. It might take some patience, but it’ll pay off.

8. Add $225 to Your Bank Account Every Month

Here’s the thing about millionaires: they never pass up an extra paycheck. What if we told you a research company would pay you to watch videos on your phone?

It’s too good to be true, right?

But we’re serious. Swagbucks 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.

Swagbucks won’t make you rich, but it’s possible to earn up to $225 per month watching these videos. That’s money you can store in your savings account or start investing.

It’s already paid its users more than $438 million.It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

9. Grow Your Wealth By Learning From Others

Two woman sitting next to each other in an office-type setting, and they go over material on a cell phone and laptop.

One of the best ways to get your money in order? Learning from others! These could be the millionaires themselves, personal finance experts or real-life people who’ve had success. Search the internet for blogs and websites, listen to podcasts and read books.

Here are a few of our favorite resources (ahem, besides ourselves):

“How to Money” podcast

“The Total Money Makeover” by Dave Ramsey

“The Side Hustle Show” podcast

“Rich Dad, Poor Dad” by Robert Kiyosaki

“The Money Nerds” podcast

“The Richest Man in Babylon” by George Samuel

Categories
Save Money

If You’re Broke, Here’s How to Create a $1,000 Emergency Fund

When you’re broke, it feels like you’re always going to be broke. It’s a never-ending cycle. You don’t have money, so you miss a bill and rack up a late charge — that you can’t pay. Because you’re broke.

The first step toward getting yourself out of this cycle is to build up a little financial cushion. Let’s call it your emergency fund. How’s $1,000 sound?

Even if you feel like you’re stuck, we’ve got eight tips to help you out. And if you follow them all, you could have an extra $1,000 (or more!) in two months’ time. It’ll be worth it — and it doesn’t have to be hard.

We’ll break it down for you week by week:

Week 1: See if You Can Get Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 5% back every time you swipe.

Need to buy groceries? Extra cash.

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

You were going to buy these things anyway — why not get this extra money in the process?

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.”

Week 2: Withdraw $5 to Own a Piece of Amazon, Google or Other 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.

That’s why we like the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.
That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your investment account.

Week 3: This Research Company Will Pay You up to $225/Month to Watch Videos

This week, you’re going add a little extra cash to your savings stash. But guess what? You don’t even have to leave your couch.

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. Plus, it’s extra money you can put toward paying down your debt. Everything helps.

InboxDollars won’t completely pay off your credit cards, but it’s possible to earn up to $225 per month watching these videos.

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.

Week 4: Let This Website Pay Off Your Credit Cards

A woman lays on the grass with credit cards surrounding her.
Tina Russell/The Penny Hoarder

No, like… the whole bill. All of it.

Your credit card is getting rich by ripping you off with insane rates, but a website called Fiona could help you pay them off tomorrow.

Here’s how it works: Fiona will 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 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.

Week 5: Cancel Your Current Car Insurance

Two young women driving a convertible car
Image Source/Getty Images

People love to tell you to shop around. “You should be getting three different quotes to get the best price on car insurance,” they say.

Sure, this sounds like good advice. Here’s why it’s wrong: Comparing only three companies isn’t nearly enough. We suggest comparing 40. But who has time for that?

A company called Gabi will do it for you for free. It gets people an average of $825 back in their bank accounts a year — and you’ll get the same coverage you already have.

It doesn’t matter when you last renewed; you can get a check from your old company for the time left on your previous policy. (Read: They probably owe you money.)

You don’t have to make any calls or fill out any forms. It takes two minutes to see how much Gabi can put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.

Week 6: See if the Government Owes You Money

A crisp dollar bill being held out over a pair of blurred out sneakers.
Tina Russell/The Penny Hoarder

Let’s start with the most fun option. One you might even have fantasized about: Someone comes along and just hands you the money.

We know it sounds far-fetched, but we’re serious. State treasuries throughout the U.S. have more than $43 billion in unclaimed funds, according to The New York Times. Just sitting around! Waiting for you to come play lost and found.

Wanna check for yourself? Go to the National Association of Unclaimed Property Administrators website, and enter your name and state.

Penny Hoarder reader Kelli Howell heeded our advice and found money in her husband’s name. He was entitled to $56 from a matured insurance policy. Sure, it’s $56, but that’s not bad for an unexpected check, right?

When you’re trying to build an emergency fund, you can’t beat free money.

Week 7: Download This App to Get Up to $500 in Free Stock

If you feel like you don’t have enough money to start investing, you’re not alone. But guess what? You really don’t need that much — and you can even get free stocks (worth up to $500!) if you know where to look.

Whether you’re got $5, $100 or $800 to spare, you can start investing with Robinhood.

Yeah, you’ve probably heard of Robinhood. Both investing beginners and pros love it because it doesn’t charge commission fees, and you can buy and sell stocks for free — no limits. Plus, it’s super easy to use.

What’s best? When you download the app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It’s random, though, so that stock could be worth anywhere from $5 to $500 — a nice boost to help you build your investments.

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Save Money

This Woman Saved $85,000 Before She Turned 19. Here’s Exactly How She Did It

Many Americans aren’t good at saving money.

This information isn’t new.

Let me give you a refresher: 33% of Americans have nothing tucked into their savings accounts, according to a 2016 GoBankingRates survey. And 35% of Americans have less than $1,000 saved.

So we’re taking notes from this 19-year-old NewRetirement.com recently wrote about. Robyn Bri has saved more than $85,000 to date.

Granted, Bri has lived at home, but she’s also hustled hard since she was 8 years old.

“The first time I bought something with my own money, it immediately had more value to me because it was something I had to work to get, so I took better care of it,” she told me in a recent email exchange. “I think that’s what motivated me to start getting jobs and saving my money for certain things.”

Here’s how to save money like Bri.

1. Open a Separate Bank Account

Bri says she keeps her money in a savings account and tries to stash money in it as frequently as possible.

I asked about her strategy for determining how much goes away and when. She says she plans to automate the process one day, but for now she just does it by hand.

“I usually will tell myself, ‘Okay, you just made this much money. You have to put at least this much in savings, then budget the rest into checking and into my spending budget,’” she says.

She keeps her money for everyday expenses in a checking account.

Here’s how you can save: Open an online savings account and deposit $10. Heck, roll your quarters if you have to.

There are a bunch of great online banking accounts, but one of our favorites is Aspiration because they offer an interest rate around 100x what a normal bank offers — plus there are no monthly fees.

Plus, by separating the money from your checking account, you’ll be much less likely to make a withdraw.

The goal is to make your money work for you, which Bri has already learned by 19

2. Put $1 Into the Stock Market

Bri says she has two self-investing accounts with Merrill Edge.

One is a Roth IRA, and the other is a self-guided account. She also invested in Apple stock when she was 16.

However, she admits she’s always been a little hesitant about the process. “…It’s a risky business, and the more you put in the more you can lose, but at the same time the more you can gain,” she says.

She advises people to research. She also suggests taking online quizzes to see how much risk is worth taking.

“I always make sure that I never invest all my money,” she concludes on the matter.

Here’s how you can save: If you want to start investing, but feel slightly intimidated like Bri, try using Stash. This company can help you buy a piece of Amazon, Google or any other company for $1.

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit at least $5 into your investment account.

3. Earn an Extra $225/Month

At age 8, Bri started doing odd jobs for her neighbors.

Since then, she’s worked as a pet sitter, babysitter, housesitter and waitress. Bri estimates she works 28 to 32 hours a week and earns something between $3,000 and $4,000 each month, according to SFGATE.

I asked her how she manages to stay on top of her priorities. (In addition to her side gigs, she was also a successful student and volunteered.)

She says, “For me, I really had to stay organized and on top of my phone calls, emails, texts, etc. Writing everything down and using a calendar to stay organized was definitely crucial. With so many different things going on, if I don’t write one thing down I could screw up a whole day.”

Here’s how you can save: 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.

4. Cancel Your Car Insurance

NewRetirement also reports that Bri doesn’t blow her money on clothes or entertainment expenses.

“Mostly I just tell myself, ‘I don’t need that; it’s not a necessity — you can live without it,’” she says. “But I do allow myself to have a small budget once a month for things like transportation, going to the city for a day, etc.”

She’s sure to calculate necessities into her budget, too, like her phone bill and gas.

Here’s how you can save: We already know that skipping our daily latte could save a fortune, but did you know that you could save a ton by changing how your car insurance works?

Fortunately, a service called Gabi will do it for you, and you don’t even have to fill out any forms. Simply link your insurance account and provide your driver’s license number, and Gabi will go to work.

Once you link your insurance account to Gabi, it will:

  • Scan your existing insurance plan.
  • Analyze what coverage you have.
  • Compare the major insurers’ rates for that same coverage.
  • Help you switch on the spot if it finds you a better rate.

Gabi says it finds an average savings of $720 per year for its customers. Not too shabby.

5. Consume Tons of Personal Finance Advice

How did Bri know about all of these smart money moves? She said she read a ton of advice in books and on blogs (like The Penny Hoarder, right?).

But actually she says her all-time favorite book is “Rich Bitch.” “It’s an easy read, and the best part is it’s interactive, so as you read you are advised to write stuff down, start planning/getting your finances on track.”

Here’s how you can save: You can never know everything.

On personal finance matters, we have taken notes from some of our favorite “zillionaires” as well as these books and these podcasts.

Cheers to Bri, who’s headed off to George Washington University this fall on a full-ride scholarship. She has an on-campus job lined up and plans to find another gig along the way.

Categories
Save Money

7 Money Secrets Every Married Couple Should Know Right Now

Congratulations! You’ve said your vows. You’ve thrown that bouquet (who knew Grandma could jump like that?). You’re even rocking a nice tan from your honeymoon.

Now married life really begins. Like it or not, your finances are a major factor in your marriage. According to Dave Ramsey, 86% of couples who got married in the last five years started out in debt.

It’s OK. Take a deep breath. We’ve put together some of the biggest money secrets that every couple needs to know.

Are you ready to get started? Just say “I do.”

1. Give Your Spouse $1M

Have you thought about how your family would manage without your income after you’re gone? How will they 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 can’t afford $1M in life insurance. But rates start at just $8 a month at Bestow.

The application takes just minutes, but the peace of mind of 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.

2. Create a Fun Account

Saving is tough, and having a spouse doesn’t make it any easier. So what if you could do it in a way where you wouldn’t even notice?

We talked to one guy with a different story. In just nine months, Samuel Demenywas able to save up $1,250 — without even thinking about it.

His method? Banking with someone like Aspiration . This free debit card gives you 100x the normal interest rate and up to 10% cash back every time you swipe.

Demeny said he and his boyfriend planned to use the money to help pay for an upcoming move instead of having to use credit cards.

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

3. Put $1 in the Stock Market

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.

That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your investment account.

4. Let This Company Get Rid of Your Credit Card Debt

Sometimes “for better or for worse” includes taking on your spouse’s credit card or other high-interest debt. Don’t let it get you down. Instead, take those balances down in a smart way.

That’s where a company like Fiona can be helpful. It can help you find personalized lending options to refinance or consolidate your debt to potentially save thousands dollars in interest.

Fiona will show you all the lenders willing to help you pay off your credit card and eliminate the headache of paying bills by allowing you to make one payment each month.

If your credit score is at least 620, you can borrow up to $100,000 (no collateral needed) . The idea is to secure a loan at a lower interest rate, potentially helping you save thousands.

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 Fiona won’t hurt your credit score — and can probably save you in interest.

5. Don’t Waste Hundreds on Homeowner’s Insurance

A neighborhood at sunset.
Getty Images

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 Lemonade makes it easy to find out how much you’re overpaying.

Lemonade’s policies start at just $25/month. And just because you’re saving money doesn’t mean you’re skimping on coverage. Lemonade will make sure you have what you need.

Just answer a few questions about your home to get started.

6. Cancel Your Car Insurance

How often are you even using your car right now? Regardless, there’s one thing we’re nearly certain of — you’re overpaying on car insurance.

That being said, shopping for car insurance is a pain which is why we like using a free service like Zebra. In just a few minutes you can see if any other companies are offering a cheaper rate with the same coverage and deductibles you already have.

You don’t have to fill out any forms. Just link your existing insurance account and enter your driver’s license, and it will start looking for cheaper coverage.

They save customers an average of $670 a year. Take two minutes and see how much Zebra can save you.

7. Make a Budget

No matter how much money you make, the first thing you should do as a married couple is create a solid budget. It’s important to first get a clear idea of where your money is going, then create a plan and stick to it.

We get it, though. Budgeting isn’t fun. But you don’t need to spend hours on end playing with complicated Excel equations. The 50/20/30 budgeting method makes it super easy. It’s one of the most straightforward budgeting strategies, and it offers a lot of flexibility.

Here’s how it works:

  • 50% of your income goes toward essentials.
  • 20% goes toward financial goals.
  • 30% goes toward personal spending.

Once you get the hang of it, you can tweak the ratios to fit your specific situation. Some people like to put more toward their savings, while others need a bit more for expenses. Take some time to find what works best for you and your goals.

Categories
Save Money

10 Lessons to Take From Millionaires Who Are Really Good With Money

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 tip can get you closer to achieving your big goals.

Take a look:

1. They Take Money Out of Their Checking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe. How much does your current bank offer you?

Need to buy groceries? Extra cash.

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

You were going to buy these things anyway — why not get this extra money in the process? Do yourself a favor and deposit $100 into an Aspiration account today so you can start taking advantage.

To get started, 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. Leave Your Family up to $1M

Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones. But you could still leave them up to a $1 million in life insurance — and you don’t even need to have the money in the bank.

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

We hear people are paying as little as $8 a month. (But every year you wait, this gets more expensive.)

It takes just minutes to get a free quote and see how much life insurance you can leave your loved ones — even if you don’t have seven figures in your bank account.

3. They Cancel Their Car Insurance

How often are you even using your car right now? Regardless, there’s one thing we’re nearly certain of — you’re overpaying on car insurance.

In fact, you could be wasting nearly $900 this year.

Luckily, we found an app called Jerry, and it can tell you if you’re paying too much on your car insurance. In fact, Jerry says it finds that people, on average, are overpaying by about $887 a year. 

Penny Hoarder writer and editor Robin Hartill was able to cut her bill by $70 per month for the same basic coverage.

“It found a policy for me at a different company that I had tried getting a quote from on my own, she says. “I’m not sure what kind of magic Jerry wrangled, but it saved me around $70 a month. That’s more than $800 that I’m planning to add to my emergency savings over the next year.”

Once you sign up, you don’t have to worry about shopping around for insurance again. Jerry will automatically do that for you. Also, it won’t cost you anything — it’s all free.

And if you’re worried about ditching your current policy, know you can back out at any time, even before your policy runs out. In fact, by law, insurance companies have to give you a refund for the remaining unused days on your policy. If there are any cancellation fees involved (these are usually small), Jerry will let you know.

Signing up is easy. When we tried it, it took less than two minutes, then Jerry took care of the rest. All we had to do was type in a phone number, then answer a few basic questions about vehicle type, level of education, etc. 

To find out if you’re getting ripped off (and how much you could save), start with the online questionnaire, then see your final price. 

4. They Don’t Waste Hundreds on Homeowner’s Insurance

A neighborhood at sunset.
Getty Images

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 PolicyGenius makes it easy to find out how much you’re overpaying.

Policygenius’ policies start at just $25/month. And just because you’re saving money doesn’t mean you’re skimping on coverage. Policygenius will make sure you have what you need.

Just answer a few questions about your home to get started.

5. Spend $5 to Own a Piece of Amazon, Google or Other 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.

That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your investment account.

6. Stop Paying Your Credit Card

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

Your credit card is getting rich by ripping you off with insane rates, but a website called Fiona could help you pay them off tomorrow.

Here’s how it works: Fiona will 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 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.

7. Use up Your Entire Paycheck

No, we’re not talking about going to Whole Foods and buying out its fancy cheese supply (though that’s the first thing we’d do if we had $1 million). Instead, we’re talking about creating a zero-based budget, a budget that finds a place for your every dollar.

You’ll want to start by tracking a month of expenses. How much do you (or don’t you) have remaining? Then, consider your financial goals. Do you want to save money? Invest money? Pay off debt?

Work backward to cut your expenses until you can achieve that goal. It might take some patience, but it’ll pay off.

8. Add $225/Month to Your Bank Account

Here’s the thing about millionaires: they never pass up an extra paycheck.

What if we told you a research company would pay you to watch videos on your phone?

It’s too good to be true, right? 

But we’re serious. 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. 

InboxDollars won’t make you rich, but it’s possible to earn up to $225 per month watching these videos. That’s money you can store in your savings account or start investing. 

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.

9. Get up to Free $500 Stock

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.”

10. Grow Your Wealth By Learning From Others

Two woman sitting next to each other in an office-type setting, and they go over material on a cell phone and laptop.

One of the best ways to get your money in order? Learning from others! These could be the millionaires themselves, personal finance experts or real-life people who’ve had success. Search the internet for blogs and websites, listen to podcasts and read books.

Here are a few of our favorite resources (ahem, besides ourselves):

“How to Money” podcast

“The Total Money Makeover” by Dave Ramsey

“The Side Hustle Show” podcast

“Rich Dad, Poor Dad” by Robert Kiyosaki

“The Money Nerds” podcast

“The Richest Man in Babylon” by George Samuel

Categories
Save Money

This 7-Day Savings Challenge Is The Best Thing You’ll Do This Week

Not all of us are born to be organizational wizards, but if you want to get ahead with your money, you’ve got to get it under your control. It’s the only way you’ll get any of the big stuff done, such as paying off debt, taking a real vacation, buying a house or saving for retirement.

We get it, though. Not all of us keep everything neatly filed, color-coded, alphabetized and prioritized. And you don’t have to be.

Here are seven things you can do — in seven days — to get your finances under control:

Day 1: Create an Emergency Fund

We know, we know. None of us have a lot of extra money right now, so creating an emergency fund is not exactly easy.

Just start small.

Can you put $10 in a savings account today? We recommend using an account that’s not tied to your main checking account so that you’re not tempted to withdraw the money.

There are lots of good accounts these days, but we like Aspiration. They offer an interest rate that is 100x better than anyone else, there’s no fees and they give you up free cash every time you swipe your card.

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.”

Day 2: Withdraw $5 and Buy a Piece of Amazon, Google or Other 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. That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.**

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account.***

Day 3: Add up to 300 Points to Your Credit Score

When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.* “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

Day 4: The Easiest Day of the Challenge — Give Your Family up to $1M

A million bucks? Easy? Those probably aren’t two thoughts you normally put together. But seriously, today is the easiest day of our challenge.

It sounds too good to be true, but a company called Bestow could help you do this using something called term life insurance. This is something you can check off your list in minutes.

You can get a free quote from Bestow until you’re 54 years old, but the sooner you take care of this, the cheaper it will be. (We hear some people are getting it for as little as $8 a month.)

Today was meant to be simple, so go ahead and take the rest of the day off.

Day 5: Cancel Your Car Insurance

When was the last time you shopped around for car insurance? Was it more than six months ago? If so, you’re probably overpaying — by hundreds of dollars. Yep. Experts say you should compare rates twice a year to get the best deal.

Twice a year? Yeah, we don’t want to do that either.

A service called Gabi does all the shopping for you to find cheaper insurance — with the same coverage and deductibles you already have. And it saves customers an average of $825 a year.

You don’t have to fill out any forms. Just link your existing insurance account and enter your driver’s license, and it will start looking for cheaper coverage.

Plus, after you sign up, Gabi will keep looking for savings. No more shopping.

Day 6: Put an Extra $225 in Your Pocket Every Month

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 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.

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

Day 7: Stop Paying Your Credit Card Company

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

Your credit card is getting rich by ripping you off with insane rates, but a company called Fiona could help you pay them off tomorrow.

Here’s how it works: Fiona will 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 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..

Categories
Make Money

This Company Will Give You $100 for Opening a Free Account

Sure, many banks offer sign-up bonuses throughout the year, but they often require you to jump through hoops with minimum requirements that feel impossible to hit.

Oh, and if you don’t meet another set of requirements? You’ll get slapped with a monthly maintenance fee. Honestly, at that point? Forget the cash bonus.

Instead of getting wrapped up into that mess, we found an account that makes snagging a $100  bonus super easy.

Here’s how you can be $100 richer this summer just for opening an Aspiration Spend and Save account.

How to Get a $100 Bonus When You Open This Account

We love this account because of the perks, including up to 1.00% annual percentage yield (APY) on your savings, up to 5% cash back on purchases with your debit card and reimbursement for up to 5 ATM fees.

Plus, Aspiration works on a pay-what-is-fair model. You choose to set a monthly tip up to $20 or as low as $0, and you can change it anytime, so you don’t have to worry about those sneaky fees. (Additional services are provided at cost.**)

Follow these simple steps to add a $100 bonus to your new account:

1. Open your Aspiration Spend & Save Account and fund your account with at least $10 by April 30, 2020.

2. Use your Aspiration debit card to make at least $1,000 of cumulative transactions by July 15, 2020. There’s no need to spend extra money — just use your card to buy groceries and pay your utilities.

3. You’re good to go! Keep your eyes peeled for that $100, which will appear in your account by July 31, 2020.

Note: This bonus is not advertised on Aspiration’s website but available to Minting Nickels readers who use this special link.

Now, happy spending — or saving! Luckily, it’s easy to do both with your new account.

Categories
Uncategorized

21 of the Absolute Best Freebies We’ve Ever Found Online

Man, there’s nothing better than free stuff. Like when you’re walking through a mall’s food court and an employee offers you a bite-sized morsel of bourbon chicken impaled on a toothpick?

Always take the bite-sized morsel of bourbon chicken. Always. Every single time. You don’t even have to be hungry. Right?

The point is, we all love free stuff. But not all free stuff is worth loving.

After extensive research, our crack staff of freebie-ologists have put together this sweet list of quality freebies for you. Only the finest freebies are allowed in this list. From coffee to coconut oil to diapers, here’s the ultimate list of our favorite free stuff online.

1. Free Godiva Chocolate

Free Godiva chocolate — what could be better?

We’re pretty sure free Godiva chocolate is handed out every day in heaven. Probably those chocolate salted-caramel truffles.

Even better: This offer isn’t a one-time deal. Once you sign up, you get free chocolate every month at participating locations, plus birthday chocolate!

2. Free $225 in Cash

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 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

3. Free Ice Cream

We’ll never, ever pass up an opportunity for free ice cream. If we ever do, you should go ahead and start making our funeral arrangements. This is free ice cream we’re talking about!

When you download the Slab Happy Rewards app from Marble Slab Creamery, you’ll get free ice cream just for signing up. After that, you’ll earn points for each dollar you spend, and you can cash them in for $5 off future purchases.

4. Free Credit Score

No, really. Hear us out.

If you’ve ever tried to get your credit score, you know most services make you sign up for a trial or charge you an outrageous amount of money. But it’s your credit score! Where do they get the nerve?

Credit Sesame will give it to you for free. And it takes about 90 seconds.

You’ll also see a credit report card, so you can check for errors. Finding and correcting just one could give your credit score a significant boost!

5. Free Gift Cards

Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something…

6. Up to $500 in Free Stocks

When you download the Robinhood app and fund your account (it takes no more than a few minutes), Robinhood drops a share of free stock into your account. It’s random, though, so that stock could be worth anywhere from $5 to $500 — a nice boost to help you build your investments.

Robinhood doesn’t charge commission fees, meaning you can buy and sell stocks for free — no limits. Plus, there’s no minimum investment to sign up.

7. Free Scratch-off Tickets

There’s something so satisfying about those gas station scratch-off tickets — scritch scritch scritch scritch— but it’s better to avoid them because, well, that’s not Penny Hoarding.

Instead, try scratching free tickets through an app called Lucktastic. Every day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens, enter contests and play games.

8. Free Pizza

You can get a free personal one-topping pizza on your next visit when you sign up for Chuck E. Cheese’s More Cheese Rewards program.

In addition to free pizza, you’ll get a $10 reward for every three visits when you spend over $20 and unspecified treats on your birthday and half-birthday.

Everyone forgets the half-birthday.

9. Free $10 for Sharing Your Receipts

We know it sounds strange, but Ibotta will pay you cash for taking pictures of your grocery store receipts.

Here’s how it works:

Before heading to the store, search for items on your shopping list within the Ibotta app. When you get home, snap a photo of your receipt and scan the items’ barcodes.

Bam. Cash back.

Ibotta is free to download. Plus, you’ll get a $10 sign-up bonus after uploading your first receipt.

10. Free Samples

Like to try new things?

Sign up to be a “Pincher” with PINCHme, and you’ll get a free box of samples of your choosing every month. In exchange, you’ll share your opinions about the new products you try.

11. Free Coffee

Want to try a bag of some of the best coffee in the country — completely free?

You can get a 2-ounce trial of Blue Bottle’s famous beans for nothing at all.

It’s part of their monthly subscription service, so you’ll need to enter your credit card info, but you’ll get an email before Blue Bottle charges you and sends you more coffee. Just cancel your subscription if you don’t want to keep getting coffee.

12. Free Bare Minerals Makeup

It’s safe to say that lookin’ pretty ain’t cheap. Whether you’re purchasing lipstick or foundation, blush or primer, you’re bound to rack up a pretty penny — especially if you want the good stuff.

Before you buy anything else, check out Bare Minerals. The company wants to give your wallet a well-deserved break with a free five-piece customizable Everyday Minerals makeup kit sample(based on your skin tone). You’ll just pay for shipping.

Not interested in a makeup kit? It’s giving away free eyeshadow samples, too!

13. Get a $5 Sign up Bonus

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.

That’s why we like the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies. But Stash lets you start with as little as a $5 investment.

You can buy pieces of well-known companies, like McDonald’s, Apple, Tesla* and more.
The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus.

14. Free Pancakes

Who doesn’t like pancakes? IHOP has pancakes. If you join the chain’s e-club, called Pancake Revolution, you get a free stack of Rooty Tooty Fresh ‘N Fruity Pancakes. You get the same thing on your birthday, and on each anniversary of signing up.

15. Free Kind Granola Bar

This is #kindawesome.

This free Kind granola bar isn’t necessarily a freebie for you, but a gift you give to someone else for being kind. Get it? You’re doing something kind for someone who did something kind — paying it forward without paying a thing.

16. Free Shampoo

If you sign up for Pantene’s email list, the company will mail you free samples of shampoo and other products.

17. Free Dog and Cat Food

No longer content with only feeding humans, Rachael Ray is venturing into dog and cat food these days. Her “Nutrish” brand is gourmet, natural, nutritious pet chow.

You can request a sample of her dog or cat food here.
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18. Free Baby Leggings

Head over to BabyLeggings.com and throw a pair in your cart. At checkout, just use the code “PENNY1,” and you’ll only have to pay for shipping.

19. Free Roast Beef Sandwich

Hungry? Arby’s has an email list. If you sign up for it, you’ll get a free Roast Beef Classic with the purchase of a drink. (Arby’s will also send you coupons.)

This is one of the only offers on this list that requires you to buy something to get something else for free. But hey, you’re going to need something to wash down your free roast beef sandwich.

20. Free Dunkin

Do you run on Dunkin?

Join the DD Perks program to get a free beverage when you sign up and on your birthday. Plus, you’ll earn points for every purchase and get a free beverage for every 200 points.

21. Sephora Beauty Products

Oooh, Sephora.

Become a “Beauty Insider,” and you’ll have your choice of a free beauty kit from Fresh or Marc Jacobs on your birthday.

Adapted from the original post at The Penny Hoarder.

Categories
Make Money

11 Ways to Make Extra Money This Month

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.

11 Easy Ways to Make Money

Feeling pumped? Feeling ready? Feeling like a million bucks (or like you need a million bucks)?

Without further delay, here are 11 ways to make money:

1. Get Paid to Drink Beer

Neil Callaghan, an advanced level cicerone, currently working at Cigar City Brewing. 
Carmen Mandato/The Penny Hoarder

The craft beer industry is hoppin’, so take advantage of it by, well, getting paid to visit breweries.

When you sign up as a mystery shopper, it’s your job to go to a grocery store, gas station, restaurant or, in this case, a breweries, and provide anonymous feedback.

Now, you can get paid to mystery shop — and drink — at breweries in your area through Secret Hopper. (Clever, right?)

The company is looking for detail-oriented beer-drinkers to hop around to different breweries and objectively rate and review their experiences. One Penny Hoarder gave the gig a try. He paid $16 on his visit to a local brewery. Secret Hopper paid him $20 via PayPal within a few days.

So, no, you’re not going to get rich, but you will get free beer, and that makes us hoppy.

All you have to do is sign up, then it’ll contact you when you’re needed.

2. Earn Cash While Watching Cooking Videos Online

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 possible to earn up to $225 a month.

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.

3. Get Paid up to $600/Week to Drop off Starbucks

Your city is filled with two things: Starbucks, and people who want Starbucks.

An app called Doordash will pay you to pick up and deliver an extra latte when you’re already out and getting your caffeine fix. And it’s not just coffee. You can deliver from Chipotle, Chick-fil-A, Five Guys and hundreds of other restaurants in your area.

With Doordash, you set your own hours and work as much or little as you want, meaning how much you make is up to you. 

You’ll earn money for each delivery, plus tips. Jose Neri, from California, reports earning $500 to $600 a week working just lunches and dinners. 

The best part? No passengers — that grande, no-whip macchiato will be the only thing to hear your beautiful singing voice.

If you sign up for Doordash now, it’s possible to get your first paycheck this week.

4. Earn up to $60/Hour as a Part-Time Bookkeeper

Neustockimages/Getty Images

Can you open an excel spreadsheet? Does earning $60 an hour sound appealing? How about the freedom to work remotely while helping others succeed?

Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers.

You don’t have to be an accountant or even really good at math to be successful in this business. In fact, all you need are decent computer skills and a passion for helping business owners tackle real-world problems.

The ability to stay moderately organized is helpful too.

Median pay is around $19 per hour, according to the Bureau of Labor Statistics — and you have no commute. It’s a great opportunity for parents who want a part time job, recent college grads and anyone who wants to bring in real money working from home.

Robinson shares what it takes to be a virtual bookkeeper, plus tips for making this career work for you in his free class at Bookkeeper Business Launch. free class at Bookkeeper Business Launch.

5. Get Free Lottery Tickets

A young couple buying lottery tickets at a kiosk.
urbancow/Getty Images

There’s something so satisfying about those gas station scratch-off tickets, but it’s better to avoid them because, well, that’s not Penny Hoarding.

Instead, try scratching for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets.

Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens that you can exchange for free gift cards to retailers including Amazon, Walmart, Kohl’s, Sephora and more.

The app is supported by advertising, which allows it to keep the payouts high and the games free.

6. Become a Mermaid

Three mermaids are underwater, and they form a circle with their arms and tails.
Sharon Steinmann/The Penny Hoarder

Do you want to be part of their world?

We went for a swim with the real-life mermaids of Weeki Wachee Springs in Florida to find out how they get paid to slip into fins and perform for kids (and kids at heart).

From mastering underwater routines to learning how to use buoyancy to your advantage, this job isn’t exactly a day at the beach. But if you can keep up, it’s every bit as magical as you’d imagine.

To qualify, you must be at least 18 years old and be able to swim 400 yards in less than 15 minutes. Mermaids’ pay starts around $10 an hour.

7. Get Paid to Deliver Groceries This Weekend

The Penny Hoarder

You’ve probably heard you can make money picking up other people’s groceries. But doing your own shopping is stressful enough. You just learned where everything is — now you’re supposed to learn the aisles of a different store?

But an app called Shipt will pay you up to $22 an hour to pick up a few extra groceries while you’re already picking up your own.

We talked to one shopper, Destiny Frith, from Nashville, who says the flexibility and high hourly pay makes this a great way to make extra money.

She takes home close to $600 a week — working completely on her own schedule.

Just sign up online (the application is pretty simple). Once you’re approved, pick which jobs you want to take, and Shipt will send you a prepaid card to buy the groceries and deliver them to customers.

Suddenly grocery shopping isn’t so bad, is it?

8. Get Paid for Your Screen Time

Chris Zuppa/The Penny Hoarder

We’ve all been there. Netflix drones in the background as you scroll Instagram. What are you even doing? 

But there’s a company that will pay you for all that screen time. 

Yep. Mypoints is a reader favorite, because it pays you in free gift cards for taking surveys and other activities right on your phone.

You’ll even earn a $5 bonus when you sign up and take you first five surveys. 

9. Copy This Strategy to Get Checks in the Mail Totaling $526

Walmart store sign
Tina Russell/The Penny Hoarder

Remember when getting the mail was fun? Now it’s just bills. And Valpak envelopes.

But for Colleen Rice, checking the mail meant finding checks. For doing nothing. Seriously. Since she started using a free website called Rakuten, she’s received $526.44.

Rakuten has the hookup with just about every online store you shop, which means it can give you a kickback every time you buy toilet paper on Amazon — even book that flight home for Thanksgiving.

Rice says she uses Rakuten for things she already has to buy, like rental cars and flights. She even used the money she earned to help her pay for her recent cross-country move.

It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start shopping your go-to stores through the site.

Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you.

Talk about money for nothing.

10. Make up to $15/Hour to Pick up Milk for Your Neighbors

A woman takes groceries to her car.
William DeShazer for The Penny Hoarder

The grocery store is a surprisingly zen place. Somewhere between the soothing elevator music, the free samples and the wafting aroma of rotisserie chicken, you settle into a peaceful groove. 

None of the stress of work or home — it’s just you and the aisles.

Some people, for some reason, don’t feel the same. They’d rather avoid it altogether. And with an app called Postmates, you could get paid to pick up a few extra groceries for them. 

Even better than getting paid to grocery shop? If you need the money, like, now, you can cash out instantly after each delivery.

Holly Gaston, of San Francisco, California, has tried plenty of side gigs. With Postmates, she makes an average of $15 an hour. Plus, she says it’s been much more enjoyable than any of her previous side gigs.

Signing up shouldn’t take you more than about three minutes. The hardest part will be choosing which selfie you want to use as a profile pic.

11. Get a $5 Amazon Gift Card For Playing Words With Friends

cash back apps
anyaberkut/Getty Images

Get paid to play games on your phone? Yeah, right. We’ve all heard that before. 

Here’s what that usually means: Logging dozens of hours on games you’ve never heard of, just for a few cents.

Gee, thanks. 

But a free Android app called Mistplay actually pays you for playing popular games like Words With Friends 2, Yahtzee, Clash Royale, Star Wars and more. 

As you play, Mistplay rewards you in points, which you can exchange for gift cards for brands like Visa, Amazon and more. 

You’ll get 200 points just to sign up, plus an extra 100 points when you enter the code penny100 after sign up. Those easy 300 points are already worth $1, and once you earn $5, you can cash out.

The more you play, the more you’ll earn. Plus, Mistplay offers some bigger in-game rewards — up to $20.  

It takes just a few minutes to sign up and start getting paid to play games.