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 Get Free 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 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. They Find Out If They’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.
3. They Leave Their 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 give them up to $1 million with term life insurance.
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 Fabric.
Rates start at just a few bucks per month. 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 Fabric.
4. They Cancel Their 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 Insure 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 $540 a year.
All you have to do is enter your ZIP code and your age, and it’ll show you your options.
See if you can get $500 back in your pocket by entering your zip code here.
5. They Use This Free Tool to Add 300 Points to Their 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.
6. Add Money 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 the news. You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars.
It’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 people more than $59 million.
Enter your email address here and you’ll immediately get a $5 bonus to get you started
7. They Get up to $200 in Free 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 $200 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.”