We’ve all heard the saying, ‘Work smarter, not harder,’ right?
Absolutely! So, listen up: With a few simple keystrokes or taps on your cellphone, you can sock away enough dough for an overdue summer vacation or your next trip to Margaritaville.
Adventure and rewards await if you just take that first step now!
Here are some quick ideas you should try today.
1. Earn 10 times more on your savings
What’s the difference between a half a percent and 4% interest? If you’re like a lot of savers, you’ll say, “Who cares? Neither amounts to much.”
But that’s a mistake, and the longer you make it, the more it will cost you.
Example: Put aside $500 a month for 30 years at 0.5% interest and you’ll end up with $195,000. Nice! But if you can raise that rate to 4%, you’ll end up with $350,000. Nicer!
Doesn’t it make sense to earn an extra $155,000 with no additional effort and with no additional risk? That’s why it pays to shop your savings and find the highest-paying FDIC-insured savings account. Especially when it’s so simple.
There are plenty of free online comparison sites, like this one from Fiona, that can help you find top rates on insured savings in seconds.
Take a Few Seconds and Check it Out
2. Getting more for your money: in leaner times, it’s essential.
Savvy savers are earning rewards with every swipe of a card. Selecting the right cash-back credit card can put cold hard cash back in your pocket, reaping returns on every dollar you spend.
If you’re still paying with paper money or a debit card, you may be missing out on an opportunity to get something for nothing. With the right card, every transaction is bucks back to you, rather than more profit for banks.
How do you find the best cash back card for you? Simple. Check out this cash-back card marketplace and you’ll see everything out there, all in the same place, along with recommendations. Easy peasy.
Whenever you’re spending, always make sure you’re also earning.
3. Score free money with cash-back sites
Cash back and coupon sites help you save on everything from groceries and gas, to flights and fashion. Here are some of the best: Rakuten, Capital One Shopping & AARP.
How does a cash back site work? Take Rakuten, for example: When you shop online through its website or app, or use the browser extension, you get up to 20% cash back on purchases from thousands of retailers. It’s totally free. In fact, they’ll even pay you just to sign up, and it only takes 30 seconds.
Don’t ever buy anything online without using a cash-back site. And don’t stop there. Take your savings to the next level with coupon stacking, and you could save up to 50%.
Take 30 Seconds and Start Getting Cash Back Right Now
4. Dump those high-interest credit cards today
One way to slash the high interest you’re paying is to get a lower-interest personal loan and use the proceeds to pay off all your debt in one fell swoop.
And finding one couldn’t be easier.
Whether you’re consolidating high-interest debt, financing your next home renovation project, or covering unexpected expenses, NerdWallet's loan marketplace makes finding the right loan quick and easy.
It only takes a few minutes to apply — without affecting your credit score — and if approved, you’ll have money in your account in no time.
NerdWallet has rated and reviewed loans from more than 35 financial institutions, with loan amounts ranging from $2,000 to $50,000 and APRs as low as 5.99%.
Their marketplace also offers a range of helpful resources and tools, so you’ll feel confident and informed throughout the process. It’s never been this easy to find and compare personal loans.
Try Out the NerdWallet Loan Marketplace Right Now
5. 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 can be a hassle.
That’s why you should check out Provide Insurance, the largest online marketplace for insurance in the U.S. Provide 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 Insurance 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’s marketplace. That’s money you could use for other things, like investing, saving, paying off debt or just having fun!
Don’t let your current insurer rip you off. Try Provide Insurance today.
6. Instead of paying your mortgage, get paid
You’ve spent years maintaining and building equity in your home. Now it’s time for your home to pay you back.
A reverse mortgage is a government-insured loan that lets homeowners 62 and older convert their home equity into cash, but without selling their home. Take the money however you’d like: monthly, lump sum or line of credit. Use it however you’d like: home repairs, bills, traveling or simply living a better life.
Your home remains yours. You hold the title until you die or choose to move elsewhere, as long as you maintain it. When you leave the house, the loan is repaid.
Reverse mortgages can make huge difference in your quality of life. But they’re not for everyone, so it’s important to get more information. Also important: Not all lenders are equal. Be careful who you deal with.
One lender that’s highly rated and happy to answer questions is Longbridge Financial. They’ve earned 4.8 of a possible 5 stars from Trustpilot, and Consumers Advocate says, “By far the best online experience and tools among all the reverse mortgage lenders we reviewed.”
If you’re 62 or over and have equity in your home, you owe it to yourself to see what your options are.
Click Here for Some Free, No-Obligation Information
Bonus: Join 1+ million Americans banking $1,000 extra every year
What if we told you there’s a way to earn an extra $1,000 every year without having to work for it?
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, including lots of articles and information to spend less, save more and invest like a pro.
The Money Talks Newsletter takes less than five minutes of your day and is designed specifically to make you smarter and wealthier, and without boring you to tears in the process.
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