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Manage Money

The 5 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. You Can Ask This Website to Help Pay Your Credit Card Bills

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.

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.

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

2. Get Paid to Play Bingo

There’s a free app called Bingo Cash  that pays you up to $80 every time you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

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

3. Use This Secret Debit Card

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 right now?

Yep. When you sign up for a debit card called Aspiration , you could get up to 5% back when you swipe at certain stores — plus they give you up to 50 times the normal national interest rate on your savings balance.

It’s perfect for earning extra cash for things that are already on your shopping list. You were going to buy these things anyway — why not get this extra money in the process?

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

Just 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.”

4. Get Free Stock From This Company

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.”

5. 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.

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.

 

The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is not a bank.

 

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Manage Money

5 Money Moves Every Texan Needs to Make This Week

It’s no secret America isn’t in the best spot after the 2021 dumpster fire, and your wallet might be seeing the side effects.

But there are some simple ways to save money and pad your bank account even during these trying times.

In fact, as of today, more than 1 million Americans have already taken these simple steps. They’ve been able to save hundreds, secure their families’ futures and even pay off credit card debt.

Now it’s your turn to get on board, Texas.

1. Get Paid to Play Bingo

There’s a free app called Bingo Cash  that pays you up to $80 every time you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

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

2. Let This Company Help Pay Your Credit Card Bill

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 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.

3. Let 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 iPhone 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.

4. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

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.

5. Get Paid $225 Just for Going down a Rabbit Hole on Your Phone

We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here? 

But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes.

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 video 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 $60 million.

It takes about one minute to sign up and start getting paid for your nightly zone-out.

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Manage Money

5 Money Moves Every New Yorker Needs to Make This Week

It’s no secret America isn’t in the best spot after the 2021 dumpster fire, and your wallet might be seeing the side effects.

But there are some simple ways to save money and pad your bank account even during these trying times.

In fact, as of today, more than 1 million Americans have already taken these simple steps. They’ve been able to save hundreds, secure their families’ futures and even pay off credit card debt.

Now it’s your turn to get on board, New York.

1. Get Paid to Play Bingo

There’s a free app called Bingo Cash  that pays you up to $80 every time you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

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

2. Let This Company Help Pay Your Credit Card Bill

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 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.

3. Let 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 iPhone 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.

4. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

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.

5. Get Paid $225 Just for Going down a Rabbit Hole on Your Phone

We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here? 

But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes.

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 video 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 $60 million.

It takes about one minute to sign up and start getting paid for your nightly zone-out.

Categories
Manage Money

5 Money Moves Every Floridian Needs to Make This Week

It’s no secret America isn’t in the best spot after the 2021 dumpster fire, and your wallet might be seeing the side effects.

But there are some simple ways to save money and pad your bank account even during these trying times.

In fact, as of today, more than 1 million Americans have already taken these simple steps. They’ve been able to save hundreds, secure their families’ futures and even pay off credit card debt.

Now it’s your turn to get on board, Florida.

1. Get Paid to Play Bingo

There’s a free app called Bingo Cash  that pays you up to $80 every time you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

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

2. Let This Company Help Pay Your Credit Card Bill

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 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.

3. Let 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 iPhone 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.

4. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

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.

5. Get Paid $225 Just for Going down a Rabbit Hole on Your Phone

We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here? 

But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes.

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 video 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 $60 million.

It takes about one minute to sign up and start getting paid for your nightly zone-out.

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Manage Money

6 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 six (legal) ways to escape it…

1. Ask This Website to Help 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.

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.

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

2. Stop Overpaying at Amazon

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

That’s exactly what this free service  does.

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.

In the last year, this has saved people $160 million.

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

3. Cancel Your Car Insurance

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.

4. Add $225 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. See If You Can Get $80/Month From This Company

Taking surveys might not sound like the best way to pay off debt, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.

There are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie .

They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours.

More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot. Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

6. Cut Your Car Payment by $150/Month

Every month, your car payment takes a big bite out of your bank account. The average payment these days is more than $600 a month for new cars, $400 a month for used cars.

What if you could lower your monthly payment by $150 or so? A company called RefiJet will refinance your auto loan to help you save money. And as a bonus, refinancing could qualify you to delay a payment — you could have no payment due for 60 days. It can lower your monthly payment and potentially save you thousands of dollars by the time you pay off your loan.

RefiJet will show you multiple auto loans that you’re pre-qualified for, along with rate and payment estimates. You can see for yourself how much you could save. This won’t affect your credit score. 

RefiJet says it saves customers an average of $150 a month — which really adds up. It costs you absolutely nothing to find out if you have better options .

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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.

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Manage Money

Americans Are Finally Paying Off Their Debt, and Credit Card Companies are Scrambling

If you’ve got credit card debt, you know how painful it is. It’s the most expensive kind of debt you can have, and your credit card companies are just getting rich and fat while they gouge you with high interest rates.

Wouldn’t it be great to turn the tables on them? Well, now a lot of people are. More and more Americans are simply paying off their credit card balances, and that’s making credit card companies like Capital One, Citibank and Chase really, really nervous. That’s because their whole business model is based on gouging you.

“Americans are paying down their credit card debt at levels not seen in years. That is good news for everyone but credit card issuers,” reports The Wall Street Journal. “Many card issuers rely on growing card usage and balances for their revenue, and they are wondering if the pandemic trends will turn into a long-term shift.”

Wouldn’t it be nice to get a little revenge and make your credit card companies sweat for a change? Now you can, and it’s easier than you think.

Credit cards charge you harsh interest rates that routinely rise north of 20% APR. But if you owe your credit card companies $250,000 or less, a website called Fiona will match you with a low-interest loan you can use to pay off all your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have significantly lower interest rates (Fiona rates start at 2.49% APR), you’ll get out of debt that much faster.

Plus: No credit card payments for you this month!

They’re Getting Awfully Nervous

These days, credit card companies are sweating bullets because Americans’ credit card balances are falling. They shrunk by a whopping $49 billion in the first quarter of 2021 compared to the previous quarter, according to data released last week by the New York Fed,

Overall, credit card balances are down nearly 15% compared to a year before, according to the credit reporting firm Equifax.

For big credit card issuers like Capital One, Discover and Synchrony (the largest issuer of store credit cards), balances are down by 17%, 9% and 7% compared to a year ago, those companies reported.

Why is this happening?

When the COVID-19 pandemic hit, banks expected delinquencies to surge, forcing borrowers to rely on their credit cards to make ends meet, The Wall Street Journal reported. But then the government stepped in with stimulus checks and expanded unemployment benefits. It allowed borrowers to pause payments on mortgages and student loans. So that surge of delinquencies never happened.

Now, “it appears that many households are working to reduce their revolving debt balances, and this is happening across the board,” the Fed wrote.

How to Beat Your Credit Card Company

If you’re interested in getting a personal loan to wipe out your credit card balances, it helps to have a good credit score.

A free website called Credit Sesame makes it easy to put your credit score on track to reach your goals. Within two minutes, it’ll give you 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).

Now, with Fiona , you don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all.

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

Stop shoveling money into high-interest credit card payments. Cackle along with the rest of us as credit card companies express deep concern in earnings calls, sweating over their plummeting profits.

Revenge is sweet.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He paid off all his credit cards, and wow did it feel good.

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Manage Money

If Your Credit Score is Under 755, Do These 5 Things Before Tomorrow

You really try to be responsible with your money.

But, no matter what you do, your credit score never seems to make it over that 755 hump.

Yup — you’ve got some algorithm spitting out a three-digit number that’s basically controlling your entire life. We get it: It’s frustrating.

And here’s the thing — a score over 755 could save you thousands of dollars. But, don’t give up just yet. We’ve got some moves that will help.

Best of all? You can do all these things before tomorrow.

1. Write a Love Letter

…to your creditors.

If you generally have a pretty solid credit history, save for a few missteps, then sending a well-executed goodwill letter to those you owe could help get you back in good graces with them and improve your credit score.

You’ll want your letter to cover the following bases:

  • Explain why and how long you’ve been a loyal customer of the creditor.
  • Take responsibility for the mistakes that led to the blemishes on your credit history.
  • Describe the steps you’re taking to ensure these mistakes don’t happen again.
  • Appeal to their sense of empathy. Show that you want forgiveness but also that you are determined to do better going forward. Show them you deserve this!
  • Keep your letter clear and to the point.

Don’t forget to include important information, like your account number and the date and amount of the missed payment you want removed from your credit history. Once you’ve written your goodwill letter, address it using the information on the creditor’s website.

2. Let This Site Show You Exactly How to Improve Your Score

Your credit score is like your financial fingerprint. Everyone’s is different and for different reasons. One person’s credit score might be under 755 because they have an error on their report. Another person’s credit score might be under 755 because they have a bill in collections.

That means everyone’s strategy to improve their credit score will look different… but how in the world are you supposed to know where to start?

Thankfully, a free website called Credit Sesame will take a look at your credit report and let you know exactly what you need to do to improve your score.

Take, for example, James Cooper. He didn’t know anything about credit, but Credit Sesame showed him the exact steps he needed to take to improve his score — from a 524 to 801.*

Then there are people like Salome Buitureria, a working mom in Louisiana who, in using Credit Sesame, found a major error on her report. The site helped her fix the mistake and take additional steps to raise her credit score nearly 200 points.*

Want Credit Sesame to show you exactly how to finally get your score over that 755 hump? It takes 90 seconds to sign up and get started .

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3. 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 $100,000 (no collateral needed) with fixed rates starting at 4.99% and terms from 24 to 84 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.

4. Raise Your Credit Scores — Instantly

Improving your credit scores can take a lot of time and effort, and for what? Where do you even start?

We found a way you could potentially add points to your credit scores right now — which could make more of a difference than you think.

Credit scores are split into five categories: very poor, fair, good, very good, or exceptional. Getting tipped over the edge into the next-highest bracket can save you thousands of dollars on a mortgage or car loan. It also can help you qualify for a better credit card — one that gives you points or cash back.

Experian® — you know them from your free credit report — has a free feature called Experian Boost * that gives you credit for the phone and utility bills you’re already paying to your Experian Credit Report. This helps show lenders you have a history of making on-time payments — an important factor in credit-score calculations. In fact, users who saw a FICO® Score increase with Experian Boost added an average of 13 points to their FICO Score** instantly.

You might be thinking: What will 13 points even do for me? But the difference between a “fair” and “good” credit score is ONE point, and that can make all the difference.

Here’s how it works: When you create your free account , you’ll link up the bank account you use to pay your phone and utility monthly bills. Experian Boost then looks for bill payments that wouldn’t otherwise be reported to the credit bureau, such as cell phone and utility bills, and adds them to your Experian Credit Report. (Your info stays completely private and encrypted, by the way.)

By reporting these on-time payments, Experian has already added more than 39 million points to people’s credit scores — see if you can add points to your credit scores today.

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

If you really want to get the best price on car insurance, experts say you should be shopping twice a year.

OK, we can hear you laughing from here. Who has time to do all that?

But seriously, insurance companies take a lot of factors into consideration, and they change all the time. Ipso facto — you’re paying too much.

Thankfully, a free website called Smart Financial  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 Smart Financial compares prices from dozens of companies to find you the best price.

Smart Financial says it saves its users up to $715 a year.

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

Who’s laughing now?

 

Like Cooper and 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.

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

** Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more at Experian.com.

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Manage Money

Here’s How to Get Rewarded With $5 in Amazon or Twitter Stock This Week

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 Stash , it doesn’t have to be. It lets you be a part of something that’s normally exclusive to the richest of the rich — on Stash you can buy pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Twitter, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1

It takes two minutes to sign up , and it’s totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2

Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

2To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.

The Penny Hoarder is a Paid Affiliate/partner of Stash. 

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

Categories
Manage Money

These 4 Legitimate Companies Will Give You Free Stocks

We’re all about freebies around here. Free gift cards? Heck yeah! Free money? Sign us up! Free stocks? Even better — they could increase in value over time!

And before you ask: Yes, there is a such thing as free stocks. We know, we know. It sounds too good to be true, but you just have to know where to look — and that’s where we can help you.

We researched the best, most legitimate investment companies, apps and trading platforms that offer something for free:

1. Stash: Get $5 in Amazon or Google 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.

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 . They’ll give you $5 of stock in Amazon (or another company of your choice) just for opening an account. 

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.

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

With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money’s safe.”2

2. Robinhood: Get up to $200 in Free Stock

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.

How to claim your free stock: It takes just a couple of minutes to sign up and see how much free stock you can get.

3. Acorns: Invest 15 Cents and Get $5 in Bonus Stock

Yeah, we know what you’re thinking: 15 cents? How’s that going to do me any good?

Well, that leftover change from your morning coffee and evening grocery hauls could turn into more than $1,000.

That’s what happened when Penny Hoarder reader Jeremy Kolodziej opened an investment account with Acorns . The app’s round-up feature bumps each of your purchases up to the nearest dollar and puts the spare change into the stock market, which helped him mindlessly save $1,076 in about 20 months.

“It’s a virtual coin jar,” he says. “You don’t even think about it.” He used the spare change to pay for two vacations.

Plus, Acorns will give you a bonus $5 in stock!

How to claim your free stock: When you sign up for Acorns  through The Penny Hoarder, you’ll get a $5 bonus.

4. Webull: Get up to $1,600 in Free Stock

Are you new to investing? Or are you an experienced trader who keeps tabs on the stock market? Either way, there’s an app you ought to check out. It’s called Webull , and it’s a commission-free stock trading platform that’s super easy to use.

If you sign up and deposit $100 into your Webull account, you’ll get two free stocks. Each has a value ranging from $8 to $1,600. It’s like a lottery. You might suddenly find yourself getting a $1,600 stock for free — a nice bonus to help you build your investments!

If you’re not quite ready to dive in head-first, you can try out Webull with the equivalent of digital Monopoly money. You start with 1 million fake dollars’ worth of virtual money in your account. You can practice with a stock-trading simulator and test out different investment strategies without the risk of losing any of your real money.

There are no commission fees, so you can buy and sell stocks and ETFs for free. If you’re a newbie, Webull offers seminars and an online community. If you’re more experienced, it has a bunch of tools and intuitive charts you can use to steer your investments.

There’s no minimum investment required to get started, and it takes only minutes to sign up .

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

2To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.

The Penny Hoarder is a Paid Affiliate/partner of Stash. 

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.