7 Clever Ways to Fix Your Finances in 10 Minutes (or Less)

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We’re all busy these days, and sometimes it feels impossible to make a dent in your financial goals. But it doesn’t have to be that way!

With just a few clicks, you can make some quick adjustments that can save you hundreds, or even thousands of dollars. If you’re feeling tight on cash or simply want to start saving more, try these tactics to make your money go further.

It’ll take just minutes to read and act on each item. The impact, however, could last forever.

1. Save thousands on your mortgage (before it’s too late!)

The Federal Reserve is pretty much guaranteed to continue raising the federal funds rate. As that happens, other consumer rates will rise as well, including mortgage rates.

Mortgage rates have risen, but are still historically low. So if it makes sense for you, consider a mortgage refinance now before rates rise further. That alone could put thousands in your pocket every year. Which is why you need Quicken Loans right now!

Quicken has been doing home loans since 1985 and has been named America’s best mortgage lender by J.D. Power. The fully online application yields mortgage options in just a few minutes. Need to ask a question? No problem: Quicken has mortgage experts available by phone.

The company also works with folks whose credit scores aren’t exceptional; you could qualify with a credit score as low as 620. And the best part? Quicken Loans has a fast and easy application process and now does e-closings in all 50 states. It couldn’t get much easier.

If a refinancing makes sense, now’s the time to act. It’s the fastest finance fix you’re going to find. So take a minute and see where rates are now!

2. Reach your money goals faster with a financial adviser

What are your money goals, anyway — can you name them?

And even if you can name them, do you know how to reach them?

Maybe you’ve got (mostly) defined goals and a sorta-kinda plan to get there. But why leave it to chance when you could get help from a professional. A real money professional — not some guy who took a couple of online courses and thinks he’s now God’s gift to investing.

Yes, investing: It isn’t enough to fix your finances: You also need to grow them. SmartAsset is ready to match you with qualified fiduciaries, whose job (and passion!) it is to help you succeed.

The questionnaire takes literally only one minute of your time. Enter an email address and wait for SmartAsset’s list of financial professionals who want to help you reach your money goals.

Ready to work with a professional that will help improve your finances? Why wait? Get started now.

3. Save $440 (yearly) on your car insurance with this free site

Everywhere you look ads are promising you the Best! Insurance! Rates! Ever!

But if everyone offers the best, how do you know who to trust? Giving your contact info out to all of them pretty much guarantees loads of emails, phone calls and texts asking for business.

Forget that. Instead, let The Zebra do your legwork. In just two minutes, this free site will compare rates from up to 200 providers, giving you every option possible, and getting you the best deal for your wheels.

And the savings? Folks can save an average of $440 every year, according to the site. Yep, that’s $440 year after year! Having extra money in your budget is a big step toward fixing your finances. You’d be crazy not to at least check to see how much you can save. There’s no cost. No obligation. No downside.

Take just one minute to get your new rates and save $440 every year on your car insurance.

4. Erase your credit card debt in 24-48 months with help from this company

Sometimes you get dragged into debt by forces beyond your control. Case in point: the pandemic. A recent study indicated that 72% of Gen Zers burned through their savings, and more than half stopped paying their credit card bills.

Stuff happens. And sometimes your debt just isn’t repayable. But with help from a company like National Debt Relief, you can address the obligation head-on.

The company exists to help people get back on their feet after debt has dragged them down. One possible solution is debt consolidation, which means putting your total debts into a single loan, with a single monthly payment.

If you were only making minimum payments on your maxed-out plastic, it could take 10 years or more to become debt-free. However, with National Debt Relief, you’ll get out of debt within 24-48 months, according to the site.

The company has an A+ rating with the Better Business Bureau. It doesn’t cost a dime to sign up or to cancel with National Debt Relief, and you’ll be charged a settlement fee only if you accept the deal. If they can’t settle your debt, then you owe them zip.

Ready to be debt-free? Get your free, no obligation consultation today.

5. Invest in commercial real estate that returned 23% in 2021

Want to get in on the ground floor (so to speak) of real estate investing? Even if your finances aren’t quite where you want them to be, just about anyone can get started with Fundrise. That’s because the company lets you buy in with as little as $10.

In other words: Skip the Saturday matinee, and you’ll have what it takes to get going in the world of real estate. Fundrise sells pieces of real estate investments, the way that Wall Street sells shares of stock. In 2021, according to the company, Fundrise returned 23% to its investors.

You’ll be a landlord without having to be a landlord: no cleaning apartments or vetting tenants. No one can ever promise that an investment is “a sure thing.” But people are always going to need a place to live or operate their business, and Fundrise lets you become part of this.

Again, you can get in the door (as it were) with a really small amount of money. In just a couple of minutes you can sign up and get started with Fundrise.

6. Pay 0% interest until 2023 with a better card

Only about one-third of U.S. residents pay their credit card bills in full each month, according to the American Banking Association. So if you’re having trouble zeroing out that balance, you’re not alone.

Here’s the thing: Why are you paying interest at all? One reason the debt is so tough to vanquish is that the interest accumulates so relentlessly. Slay the debt dragon once and for all by transferring your balance(s) to a 0% APR credit card.

If you qualify for a 0% APR card, transferring your debt is pretty simple. The top-rated 0% cards won’t charge a penny of interest on new purchases, either — for up to 18 months!

All the dollars you pay in interest are dollars that can’t go toward fixing your finances. Stop giving away your cash. Maximize your money by using these top 0% intro APR cards.

7. Get paid to watch videos and take surveys

Got a minute? Earn some cash! InboxDollars, one of our favorite rewards programs, will put money into your pockets when you watch videos and take surveys.

What’s the catch? There isn’t one. InboxDollars really does pay you to do those things. You can also earn cash by shopping online, uploading grocery receipts, playing games and clicking on promotional emails. You can cash in your earnings via PayPal, or take it in the form of gift cards.

You’re not going to get rich doing this, but since you already shop online, play games and check your email, why not get paid? Sign up with InboxDollars today and start earning.