There’s extra money all around you. You just need to know where to look.
Here’s a list of simple things you can explore that could bring more money into your life. They won’t all work for everyone, but read the entire list. There’s bound to be something here that’s going to work for you.
1. Diversify your wealth with gold
One of the best ways to protect your savings is diversification. Have money in different types of investments: ideally ones that can go up when others are going down. For example, stocks tend to do poorly when inflation and interest rates are rising and there’s political turmoil brewing.
But there’s one investment that thrives in this scenario: gold.
But keep in mind that not everyone in the gold business is on the up-and-up. Be careful whom you deal with.
Goldco is one company to consider. They offer just about everything, from precious metal IRAs to direct purchases of precious metal coins and bars.
Goldco has been around for more than a decade and has been recommended by celebrities like actor Chuck Norris and even former presidential candidate Ron Paul.
They have an A+ BBB Rating, AAA Rating from Business Consumers Alliance and 4.8 to 5 stars on Trustpilot, Trustlink, Google Reviews and Consumer Affairs.
You’ll even receive up to $10,000 in free silver on qualified purchases.
Maybe gold is right for you; maybe it isn’t. But if you’ve ever wondered, why not take a quick look?
2. Stop overpaying for car insurance
If you’re like most Americans, you’re probably paying too much for car insurance. But shopping around for a better deal is such a hassle.
Well, it used to be.
Now you can just check out Provide Insurance, the largest online marketplace for insurance in the US. Provide Insurance lets you compare quotes from more than 175 different carriers in minutes.
All you have to do is answer a few questions about yourself and your driving history. Then Provide will show you the best options for your needs and budget.
You could save up to $610 a year on car insurance by using Provide Insurance. That’s money you could use for other things, like investing, saving or paying off debt.
Don’t let your current insurer overcharge you. Try Provide Insurance today and see how much you can save on car insurance.
3. Invest in real estate with $10
Real estate has long been a path to wealth. But you need to be wealthy to get started, right?
Wrong. For as little as $10, Fundrise can get you started. Fundrise lets you buy into real estate properties the same way stocks let you buy into companies.
In effect, you’re a landlord without having to run background checks or serve eviction notices. While not a guarantee of future results, Fundrise investors have earned an average of 25% increase within three years; if they held on for five years, the increase was more than 50%.
People are always going to need a place to live – and recent rent jumps make real estate investing more profitable. Rent prices went up almost 18% in 2021, according to data from Harvard’s Joint Center for Housing Studies.
Take two minutes and check it out.
Note: This is a testimonial in partnership with Fundrise. We earn a commission from partner links on moneytalksnews.com. All opinions are our own.
4. Protect your home from unexpected costly repairs
Home repairs aren’t cheap. Whether it’s a leaky roof or a broken appliance, your home can quickly become a nightmare and cost you hundreds or even thousands of dollars to keep up.
But you don’t have to worry. Luckily, with a home warranty company called Select Home Warranty, you can safeguard yourself against giant repair bills. From home appliances to electrical, plumbing, heating and cooling systems, it can all be protected.
When something goes wrong due to normal wear and tear, you just call Select Home Warranty, day or night. The company has a wide network of reputable repair folks who will fix what’s wrong.
And if they can’t fix it? Select Home Warranty will replace it. All you pay is a service fee.
You don’t need a home inspection to qualify for a warranty, and there’s no limit to the number of claims you can file. Right now, Select Home Warranty is offering $150 off plans, two months for free and free roof leak coverage.
Hey, if you’re handy and like to repair stuff yourself, that’s obviously the cheapest route. But if that’s not you, a penny spent now could save you big bucks later.
If nothing else, at least see what it would cost. Get a free quote in 30 seconds.
5. Talk to a free debt coach
National Debt Relief is one of the most respected providers of debt relief in the country. They’ve helped more than 500,000 people, are A+ rated by the Better Business Bureau and also top-rated by TopConsumerReviews, TopTenReviews, ConsumersAdvocate and ConsumerAffairs.
How it works: You fill out a form on the company website, then a debt coach will call you to learn more about your situation. If they can help you, they’ll set you up with an affordable plan that works for you — and give you an estimate of when you can expect to be debt-free! There’s also no upfront fee and no obligation to get started.
National Debt Relief can help you with almost any unsecured debt, like credit cards, personal loans, medical bills, repossessions … even some student loan debt.
Ready to start a new, happier chapter of your life? Click here and see what they can do for you!
6. Don’t waste thousands on car breakdowns
As a nation, we’re hanging on to our cars a lot longer: The average U.S. vehicle is now 12.1 years old. Trouble is, most of the big-ticket auto repairs happen long after the warranty has expired.
Driving your car until the wheels fall off = no car payment, and more money to invest. Paying out thousands in car repairs every year = less money to invest. Fortunately, you can get great coverage for repairs with Endurance.
Endurance sells vehicle service contracts, which are similar to auto warranties. They’ll cover your ride up until it’s 20 years old. Think of it as up to eight more years without a car payment, which is pretty great given that the average new car loan is over $710 a month.
You can choose from among six different plans. All of them include 24/7 roadside assistance, a rental car allowance, and a free year’s worth of the Elite Benefits program (which has features key fob replacement, a collision discount, complete tire coverage and a $1,000 payment if your vehicle is declared a total loss.
Endurance has more than 350,000 ASE-certified repair facilities on speed-dial. Repairs are paid for upfront, which means the only thing you need to cover is the deductible.
Protect yourself from costly auto repairs.
7. Plan now for medical costs Medicare won’t cover
Here’s hoping that your retirement years are active, healthy and vibrant and that you’re able to function as you always have, right up to the time you shuffle off this mortal coil.
But don’t bet on it. According to the U.S. Department of Health and Human Services, 7 in 10 people who turn 65 today will probably need some kind of long-term care.
Think you can’t get long-term care (LTC) insurance after age 40? Think again. GoldenCare writes LTC coverage for most people. (Unless they live in the four states where GoldenCare doesn’t operate: Alaska, Florida, Hawaii and Washington.)
“But won’t Medicare take care of all that?” Nope. Medicare doesn’t cover long-term custodial care — and paying for it out of pocket could take a huge chunk of your retirement savings. That plus inflation could mean near or total depletion of your nest egg.
Without LTC insurance, your options aren’t great: running through savings, borrowing money, burdening your family with your care, and possibly losing independence because you can’t live on your own.
It’s impossible to say whether your current health will stay good. That’s why investigating long-term care insurance is so important: It protects you and your family.
Plan now for a secure tomorrow.
8. Use this secret source for massive discounts
Are you over 18? Then you’re eligible to save hundreds every year simply by joining AARP.
“What?” You say, “I thought AARP was for old, retired people.”
As it turns out, AARP doesn’t have a minimum age to join. And members get discounts on hundreds of things, like:
- Up to $200 person off flights
- Up to 30% off rental cars
- Up to 15% off restaurants
- Up to 20% off hotels
You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games and tons of information, programs and resources.
Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $12 per year with auto-renewal. You’ll likely recoup the cost in the first week.
They even give you a free gift to sign up!
9. Borrow from yourself
The average credit card interest rate these days is approaching 25% — a record high. Sounds like what a loan shark would charge, doesn’t it?
Never borrow recklessly, but when it’s time, do it right. Take advantage of much lower rates by borrowing against your home. Use that loan — with rates as low as 6.75% — to fix up your house, to pay off high-interest debt or for any other purpose (besides financing a lifestyle you can’t afford).
That’s a fraction of what credit cards charge, and will literally save you thousands of dollars over the life of the loan.
How do you shop for the best deal? Simple: Head to a loan shopping site like Rocket Mortgage. They’ve eliminated most of the hoops you had to jump through in the past, so it only takes a couple of minutes to see how much you could get.
10. Get $100 or more for trying fun, free apps
It sounds too good to be true, if not bizarre beyond belief, but it’s true. You can earn cash for trying new apps, new products, and new offers.
KashKick is a fun, simple way to earn money online. The free loyalty and rewards platform empowers users to make extra money and ease their financial stress. They connect you with free apps, free games, and free savvy deals that can make and save you money.
Here’s how it works. Try a featured offer, like signing up for an e-newsletter or registering for freebies in the mail. KashKick will get a commission from the advertiser, and then share a portion with you: your kickback. Featured offers can pay anywhere from $1 to $100 — or even more.
You already try new products and services, so make sure to take advantage of these kickbacks.
11. Protect your loved ones for less
There’s nothing you wouldn’t do for your family, right? Well, if something happens to you, who’s going to pay the mortgage, or college bills? This is why life insurance is so important.
Not everybody needs insurance. If your kids are grown, and you have nice, fat bank account, there’s really no need. But if your family would have a hard time getting along without you, life insurance is definitely something you should look into. Just don’t pay too much for it by buying the wrong kind, or buying from a commissioned salesperson.
Shopping for life insurance used to be a long, complicated process. Now? Not so much. For example, Ethos is a company that lets you apply online in minutes without getting off the couch. There’s no medical exams, no blood tests you can get term life insurance ranging from $20,000 – $2,000,000. And it may cost as little as $7 a month: less than you might be spending now on coffee.
Simply answer a few online health questions and get a personalized quote in less than 5 minutes. This could be the most important thing you ever do for the people you love.
And Ethos is rock solid: They’ve protected more than 100,000 families and has provided over $34 billion in coverage. So, why not check it out? Click here right now for a quick, free quote from Ethos.
Bonus: Join 1+ million Americans banking $1,000 extra every year
What if we told you there’s a way to invest at least an extra $1,000 every year without having to work overtime to get the money?
There is: It’s called the Money Talks Newsletter, and it’s free. Our more than one million subscribers report saving an average of $991.20 annually, thanks to our news and advice.
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Think what an extra $1,000 a year could do for the bottom line. Sign up for the free Money Talks Newsletter, and grow your wealth that much faster.