Finding financial freedom may seem out of reach when your debt is mounting, credit score is dropping, and expenses are outpacing savings.
The good news is that a secure future is possible with some practical money management. Implementing smart financial strategies now will set you on the path towards stability, even if results take time.
Don’t wait – take control of your finances today! Make these changes now for lifelong benefits.
Check out the entire list. They won’t all work for everyone, but there’s bound to be something here that’s going to work for you.
1. Earn $205,000 more on your savings
What’s the difference between 0.5% and 5% interest?
If you’re like a lot of savers, you’ll say, “Who cares? Neither one 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 5%, you’ll end up with more like $400,000. Nicer!
Doesn’t it make sense to earn an extra $205,000 with no additional effort and with no additional risk? That’s why it pays to shop around and find the highest-paying FDIC-insured savings account.
Especially when it’s so simple. Here’s a free comparison site that can help you find top rates on insured savings in seconds. So, take a few seconds and check it out right now!
2. Slash your interest bill by $500 (or more)
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
3. Destroy your debt and save thousands
Worrying about debt is probably the worst way you can spend your time, and paying interest and late fees is the worst way you can spend your money.
If you’ve got a problem, the sooner you deal with it, the better.
National Debt Relief is one of the most respected providers of debt relief in the U.S.
They’ve helped more than 500,000 people, are A+ rated by the Better Business Bureau and also are top-rated by Top Consumer Reviews, Top Ten Reviews, Consumers Advocate and Consumer Affairs.
You simply 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 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?
4. Save more than $600 a year on 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.
Or is it?
Take a few seconds and check out Provide Insurance, the largest online marketplace for insurance in the U.S. Provide Insurance lets you compare quotes from more than 175 different carriers in the blink of an eye.
Just 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 the Provide 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 overcharge you. Try Provide today.
See How Much You Could Save Right Now
5. Get your Social Security check early and earn more on your savings
Are you 62+? Welcome to Charlie, banking built for you.
You’ve been everything to everyone: the planner, the mentor, the teacher, the one to lean on. It’s time someone built a solution with just you in mind. It’s time for Charlie.
At Charlie, customers can access their Social Security payments as early as the 1st of every month, once Charlie receives your first Social Security payment! No interest. No fees.
All Charlie Accounts also come with a Charlie Visa* ® Debit card, which can be used at over 55,000 ATMs nationwide — fee free**! Your Charlie debit card is good wherever Visa ® * is accepted. You also earn 3% on deposits in your Charlie Account.
We know security and peace of mind is important, and that’s why Charlie is here to support you every step of the way. Charlie Accounts are insured up to $250,000 through their partner bank, Sutton Bank, Member FDIC. And if you ever need assistance, Charlie’s U.S.-based customer service team is available to answer any questions.
Having spent a lifetime providing financial security and emotional support to others, now it’s your turn. Check out Charlie today.
*The Charlie Visa® Debit Card is issued by Sutton Bank, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.
***One-time fees include out-of-network ATM fees and second replacement card fees. See cardholder agreement for full fee schedule.
Take Control of Your Retirement Money
6. Protect your assets and invest like the rich do
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?
Request Your Free Information Kit Today
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