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Save Money

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

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

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

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

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

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

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

But a website called 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. Your Car Insurance Bill: Save $700 

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

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

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

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

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

3. Your Banking Account: Skip the $15 Monthly Fees

The monthly fee your bank is charging you is a huge account-drainer. Especially because some banks charge when you don’t have enough money saved. We’re the people who need that $15 the most!

If you’re just looking for a place to safely stash it away but still earn money, a fancy account isn’t necessary. Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)

But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash.

Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

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

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

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

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

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

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

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

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

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

It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.

Kari Faber is a staff writer at The Penny Hoarder. 

Categories
Save Money

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

Saying yes can feel really good.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

4. Say No to Paying Your Credit Card Company

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

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

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

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

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

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

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

Need to buy groceries? Get extra cash.

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

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

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

Categories
Save Money

The System is Rigged. Here’s Are 5 Ways to Not Let it Rob You Blind

In the 1950s, CEOs were earning about 20 times more than their average employees. Seems fair considering their title, right? Sure.

Today, according to research pulled by Bloomberg, the typical Fortune 1,000 CEO makes 144 times more than their average worker. But wait, it gets worse: at The Coca-Cola Company, CEO James Quincey makes an insultingly high 1,621 times more.

The system is rigged, man. And over the last year, it’s become a lot more apparent. The rich get richer, and many of us are just trying to make ends meet.

You can ask for a raise or try your chances playing the lotto, but neither of those are guaranteed to land in your favor. So how can you get your slice of the pie, too? Here are some surefire ways you can stick it to The Man.

1. Cancel Your Car Insurance

How would you feel if you found out your car insurance company was overcharging you by $500 each year?

Pretty peeved, we’re sure. It’s just another cog in the machine working hard to rip you off.

So, call them out. Cancel those thieves! But make sure you have better, cheaper insurance lined up.

And if you look through a website called Smart Financial , you could save yourself up to $715 a year.

It takes just two minutes to answer some questions, and Smart Financial’s smart matching technology will show you the insurance companies that are the best fit for you.

So if you haven’t checked car insurance rates in a while, you are doing yourself a disservice. Get started here to see how much money you can save today with a new policy.

2. Fight the Billionaire Hedge Fund Managers

Think those high-flying billionaires on the top floor are just sitting pretty on their cash? No way — they’re investing it and making even more millions.

It doesn’t seem fair they get to have their own hedge fund managers who make them richer every day. The system wasn’t set up to make it easy for us worker bees.

But with an app called Stash , you can take on those expensive brokers. 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, Google, 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.*

3. Say Goodbye to Your Big Brick-and-Mortar Bank

Not that you’d be surprised by this, but the place you trust to keep your money safe and growing is getting rich by ripping you off.

First, they charge all those insane fees. Then, they make tons of interest on your money — but only give you .05% (on average). Peanuts for the poor. Billions for the bank.

So if you’re sick of getting ripped off, find an account that won’t charge you ridiculous fees and earn you way more interest on your savings — it is your money, after all.

A debit card called Aspiration lets you earn up to 5% cash back every time you swipe the card and up to 16 times the average interest on the money in your account. Plus, you’ll never pay a monthly account maintenance fee.

To see how much you could earn, enter your email address here , link your bank account and add at least $10 to your 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. Stop Paying Your Credit Card Company

How much do you think the billionaire CEO of JPMorgan Chase is making? You don’t even want to know.

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.

5. Stop Overpaying at Amazon

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

That’s exactly what a free service called  Wikibuy  does.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Walmart, 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 let you know if you can get it delivered sooner (see photo above).

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 .

Kari Faber is a staff writer at The Penny Hoarder.

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 sunbject 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
Save Money

The System is Rigged. Here’s Are 5 Ways to Not Let it Rob You Blind

In the 1950s, CEOs were earning about 20 times more than their average employees. Seems fair considering their title, right? Sure.

Today, according to research pulled by Bloomberg, the typical Fortune 1,000 CEO makes 144 times more than their average worker. But wait, it gets worse: at The Coca-Cola Company, CEO James Quincey makes an insultingly high 1,621 times more.

The system is rigged, man. And over the last year, it’s become a lot more apparent. The rich get richer, and many of us are just trying to make ends meet.

You can ask for a raise or try your chances playing the lotto, but neither of those are guaranteed to land in your favor. So how can you get your slice of the pie, too? Here are some surefire ways you can stick it to The Man.

1. Cancel Your Car Insurance

How would you feel if you found out your car insurance company was overcharging you by $500 each year?

Pretty peeved, we’re sure. It’s just another cog in the machine working hard to rip you off.

So, call them out. Cancel those thieves! But make sure you have better, cheaper insurance lined up.

And if you look through a website called Smart Financial , you could save yourself up to $715 a year.

It takes just two minutes to answer some questions, and Smart Financial’s smart matching technology will show you the insurance companies that are the best fit for you.

So if you haven’t checked car insurance rates in a while, you are doing yourself a disservice. Get started here to see how much money you can save today with a new policy.

2. Stop Paying Your Credit Card Company

How much do you think the billionaire CEO of JPMorgan Chase is making? You don’t even want to know.

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.

3. Stop Overpaying at Amazon

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

That’s exactly what a free service called Wikibuy  does.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Walmart, 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 let you know if you can get it delivered sooner (see photo above).

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. Say Goodbye to Your Big Brick-and-Mortar Bank

Not that you’d be surprised by this, but the place you trust to keep your money safe and growing is getting rich by ripping you off.

First, they charge all those insane fees. Then, they make tons of interest on your money — but only give you .05% (on average). Peanuts for the poor. Billions for the bank.

So if you’re sick of getting ripped off, find an account that won’t charge you ridiculous fees and earn you way more interest on your savings — it is your money, after all.

A debit card called Aspiration lets you earn up to 5% cash back every time you swipe the card and up to 16 times the average interest on the money in your account. Plus, you’ll never pay a monthly account maintenance fee.

To see how much you could earn, enter your email address here , link your bank account and add at least $10 to your 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.”

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

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

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

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

It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.

Kari Faber is a staff writer at The Penny Hoarder.

 

 

Categories
Save Money

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

Saying yes can feel really good.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

4. Say No to Paying Your Credit Card Company

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

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

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

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

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

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

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

Need to buy groceries? Get extra cash.

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

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

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

 

Categories
Save Money

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

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

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

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

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

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

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

But a website called 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. Your Car Insurance Bill: Save $700 

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

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

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

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

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

3. Your Banking Account: Skip the $15 Monthly Fees

The monthly fee your bank is charging you is a huge account-drainer. Especially because some banks charge when you don’t have enough money saved. We’re the people who need that $15 the most!

If you’re just looking for a place to safely stash it away but still earn money, a fancy account isn’t necessary. Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)

But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash.

Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

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

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

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

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

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

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

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

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

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

It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.

Kari Faber is a staff writer at The Penny Hoarder. 

 

Categories
Save Money

5 Money Moves That Billionaires Love to Make (and You Should Too)

In case you missed trivia night at the bar this week, here are fun “Did ya know” facts about some of our favorite rich people:

Ellen Degeneres worked a number of jobs before getting her big break. Think: Waitress, house painter, vacuum cleaner seller and legal secretary.

A young and ambitious Dave Ramsey was forced to file for bankruptcy. Then the bank asked him to hand over $800,000.

Then you have Richard Branson, who quit school at 16 to start a youth-culture magazine. He handed out the first edition for free.

Now, these three are collectively worth something like $5.5 billion dollars.

How can I do that?

Well, here are five moves that most billionaires know the like the back of their hand.

1. Buy a Company (Even If You’re Not a Tycoon)

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, Google, 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.*

2. Get Free Money From This Bank

a woman logs into her bank account on her cell phone.
Tina Russell/The Penny Hoarder

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.

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.”

3. 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 private real estate — specifically, in apartment buildings it co-owns with its investors — and you only need $500.

You can see exactly which properties are included in your portfolio through their online dashboard — like a 54-unit apartment complex in Salt Lake City, Utah, or a 30-unit waterfront property in Stuart, Florida. And you don’t have to experience the headaches that come with being a landlord — DiversyFund does all the heavy lifting for you.

DiversyFund can’t guarantee how its investments will perform in the future — no one can — but historically, real estate has outperformed the stock market for the past 30 years.

So you don’t need a fortune to invest in real estate. All you need to get started is $500. Sign up here to start investing today.

4. Add up to 300 Points to Your Credit Score

A woman puts her hands in her hair as a sign of distress in this illustration.
Getty Images

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

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

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

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

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

5. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?

A website called EverQuote makes it super easy to compare car insurance prices. All you have to do is answer a few questions about yourself and your driving record, and it’ll show you your options.

Doing this could save you up to $610 per year on your insurance. Seriously.

It takes just a few minutes to look at your options and see how much you could save. And the best part? Because we’re driving less, some insurers are slashing prices this month.

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.

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3 Ways to Cut Your Monthly Bill The Car Insurance Companies Don’t Want You to Know

If you’re like most people, your car insurance bill is something you pay each month without giving a second thought.

But that’s a mistake.

Because there’s so much competition — unlike with cable companies, for example — there are lots of discounts available for savvy consumers.

You might know things like raising your deductible or removing collision coverage can save you money on your monthly premiums, but we bet there are a whole slew of other strategies you’ve never heard of.

Here are 3 strange ways to get cheap car insurance.

1. Cancel Your Car Insurance — Now

Car insurance rates are some of the lowest they have ever been. And you probably wouldn’t know that unless you went looking for new insurance last year.

Which means your car insurance company has been letting you auto-pay every month without ever telling you that you could be paying them way less (and why would they?).

What you should be doing is shopping your options every six months or so — it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A website called Smart Financial makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Smart Financial, people have saved an average of $715 a year.

Yup. That could be $700 back in your pocket just for taking a few minutes to look at your options .

2. Scratch Your VIN Into Your Windows

Yes, we’re telling you to deface your ride for cheaper insurance.

Cars with their Vehicle Identification Number (VIN) etched into the windows are less likely to get stolen, so many insurance companies offer a discount for completing the process.

Note: this only applies to comprehensive policies, which cover theft, and not on more basic forms of insurance.

Getting this done at the dealership is expensive, so purchase a DIY etching kit online, or contact your local AAA and police departments to see if they have any workshops coming up.

3. Get a Little-Known Discount

Which organizations do you belong to? Where do you work?

Whether you’re a member of AAA or AARP, chances are you can get a discount on your car insurance. Check with your employer and alumni association, too.

Even warehouse clubs like Costco and Sam’s Club have partnerships to get their members discounted rates.

If your car insurance company doesn’t currently give you a discount for things like this, check a site like Zebra.

Zebra will check with 100 car insurance companies to see who will give you the best rate, depending on the the organizations you belong to and where you work.

The Zebra says it saves its users up to $440 a year.

If you find a policy you like, you can sign up online instantly.

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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 Become a Real Estate Tycoon

This year has been a rollercoaster. Historically, though, real-estate investing offers the best long-term returns. (Does the name Rockefeller ring a bell?)

That’s why we like investing with pros like DiversyFund . They’ll help you make long-term investments in apartments and office buildings all over the country  — and you don’t have to be a millionaire. You can get started with only $500.

You can see exactly which properties are included in your portfolios — like a 200-unit apartment complex in Killeen, Texas or a 59-unit building in San Diego. And you don’t have to be the landlord — DiversyFund does all the heavy lifting.

Because they know how to ride out the market’s ups and downs, they’ve historically seen annual returns of 17% to 18%, though they can’t make any promises.

As a partial owner, you make money on rent payments and when property values go up. It takes just a few minutes to sign up and own your first apartment building.

2. 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 .

3. 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 .

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 website called EverQuote makes it super easy to compare car insurance prices. All you have to do is answer a few questions about yourself and your driving record, and it’ll show you your options.

Doing this could save you up to $610 per year on your insurance. Seriously.

It takes just a few minutes to look at your options and see how much you could save. And the best part? Because we’re driving less, some insurers are slashing prices this month.

5. 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.”

6. They 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 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 .

8. 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.”

9. They Find Out if They’re Overpaying for Homeowners Insurance

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

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

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

 

 

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7 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 $3M

Have you thought about how your family would manage without your income after you’re gone? Chances are your checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

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 $3 million with a company called Haven Life .

We hear people are paying as little as $14 a month. (But every year you wait, this gets more expensive.)

Begin by telling Haven Life your birthday and email address  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… 

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

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

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.99% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

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

5. 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.

6. 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.

7. 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.