Everyone could use a few hundred extra bucks every month, especially as they approach retirement.
Here’s something you already know: the only way to have more money is to either earn more or spend less.
So we gathered a few of the best money moves you can make to spend less and make more, both now and when retirement rolls around. Not all will work for you, but some will, so be sure and read the entire list. And act quickly, since some of these programs can end without notice.
1. Earn $1,370 per month doing simple tasks
Lots of companies let you earn money by filling out surveys, completing tasks, signing up for stuff, or playing games.
But FreeCash is in a league of its own.
Freecash boasts the fastest payouts (we’re talking instant!), with minimum withdrawals as low as $5. Plus, you can cash out with PayPal, crypto, gift cards – the choice is yours. FreeCash users have already earned more than $150,000,000!
So try FreeCash. It’s the fast, fun way to earn real cash. Don’t waste another minute – Freecash is waiting!
2. Get an extra $600 to cancel your car insurance
How would you feel if you found out you’re throwing away $600 annually just to pad some insurance company’s bottom line?
It’s very possible. But there’s only one way to know for sure.
Take a minute and use This new insurance shopping tool from FinanceBuzz. It can tell if you’re overpaying for your car insurance with just a few clicks.
Savings will vary by driving history and how many discounts you’re eligible for, but don’t be surprised if you can find the same coverage for hundreds less. And if not? You’ll get peace of mind by knowing you’re already getting the best possible deal.
To find out if you’re losing up to $600 or more a year, just click this link, answer a few questions, enter your zip, email, and phone, and within 2 minutes you’ll see if you qualify for a lower rate.
3. Ask this company to help reduce your credit card debt
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.
If you have over $10,000 in debt, 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, ConsumersAdvocate.org and ConsumerAffairs.
You simply fill out a form on the company website, then a certified debt specialist 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?
Don’t wait another minute. Check them out right now.
4. Cash in on your home’s equity
Why settle for less when you can create the home of your dreams right where you are? Or use the cash for anything else you need?
With today’s soaring real estate prices, a home equity line of credit (HELOC) could be the answer to unlocking your home’s full potential without breaking the bank.
Instead of stretching your budget on an overpriced new home, tap into the equity you’ve built to finance those renovations you’ve longed for. Upgrade your outdated kitchen, build your dream master suite, or finally add that home office. But the flexibility doesn’t stop there – use your HELOC funds for other goals like consolidating debt, paying for education, taking a dream vacation and more!
The best part? HELOCs typically offer lower interest rates than credit cards or personal loans since they’re secured by your home’s equity. That means big savings while you build lasting value.
Don’t wait any longer to unlock your home’s potential. Visit Money.com's home equity loan table today to easily compare HELOC rates from multiple lenders and find the most affordable option. With just a few clicks, you could be on your way to an envy-worthy dream home or funding anything else on your list!
Click Money.com home equity loan table here.
5. For just $2/day, protect your wallet from costly home repairs
Retirement is for freedom, not stressing over bills. But a dead dishwasher, broken AC, or leaking water heater can drain your Social Security fast. One of the easiest ways to stretch your dollars?
Protect your budget from surprise home repairs before they hit.
That’s why TV’s Ty Pennington partners with Choice Home Warranty. Ty transformed homes for years on Extreme Makeover, Home Edition and Trading Spaces. He knows one breakdown can wreck a retiree’s finances. His advice is to get covered while everything still works.
With Choice Home Warranty, this service will cover your appliances & home systems such as HVAC, plumbing, electrical, water heater, dishwasher & more. With 24/7 claims support, you can file a claim anytime (even at 2 AM!) and get help fast. If something can’t be repaired, they’ll replace it for you. “There’s Nobody Better Than Choice,” says Ty.
Thousands of homeowners agree. This isn’t an extra expense. It’s like an insurance for your retirement income. One year of coverage can save you thousands vs. paying repairs out of pocket, leaving more Social Security for the life you want. Don’t let the next breakdown steal your peace of mind. Supplement your income the smart way.
Protect your home, protect your wallet, live your best retirement. Plan ahead, Choice Home Warranty has you covered.
Get your free quote now. It takes under 2 minutes.
6. Switch banks and get a cash bonus
If you’re banking at a traditional brick-and-mortar bank, you’re getting ripped off. They’re charging you for checking account and paying a pittance on your savings.
Better idea? SoFi. They offer a combination checking-and-savings account, and if you set up direct deposit, you can earn a competitive APY on your savings. That’s many times the national average.
Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account between 10/20/26 and 12/31/27, then within 60 days of account opening receive an eligible direct deposit OR $5,000 or more in qualifying deposits. You must maintain eligible direct deposit or $5,000 in qualifying deposits every 31 days to keep the Boost, for up to 6 months. Rates variable, subject to change.
Terms apply at sofi.com/banking. SoFi Bank, N.A. Member FDIC.
Better yet, they pay you a cash bonus just for signing up!
Set up eligible direct deposit, and you could get a cash bonus.
Other cool features:
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- Get paid up to two days early
- No overdraft fees or monthly fees
- Free use 55,000 ATMs nationwide
- Free paper checks, if you want them
- Deposits insured up to $3 million
Banking has changed. Time for you to change with it.
7. Double your retirement savings
To properly manage your money, work with a professional — it’s totally worth it. If you’re not doing this, you could be missing out on some serious financial gains.
A Vanguard study found that, on average, a hypothetical $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you work with a financial advisor. That’s twice as much!
If you’ve got at least $100,000 in investments, check out a free service called SmartAsset. You fill out a short questionnaire and instantly get matched with up to three vetted financial advisors in your area, all legally bound to work in your best interests.
Even if you don’t want help picking investments, an advisor can help lower your tax burden, create a comprehensive financial plan, maximize your Social Security, help with estate planning and making sure you’re on the right track. They can also be there in case one day, you’re not.
Using SmartAsset only takes a few minutes, and in many cases you’ll be offered a free consultation.
Nothing to lose and lots to potentially gain. Take a minute and check it out right now!
Please carefully review the methodologies employed in the Vanguard white paper, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.”
8. Never pay for car repairs
The cost of car repairs is skyrocketing. One shop told Consumer Reports that a decade ago, their average repair was $1,600. These days, the average bill is $4,000.
Typically, a vehicle manufacturer warranty lasts three years. Yet the average car is around 12 years old. If you’re concerned about coming up with thousands of dollars for a repair bill, protect your investment with Endurance Warranty Services.
The company provides extended warranty plans of up to 36 months. Choose from at least six different plans, to get only the coverage you actually need, for cars up to 20 years old.
All their warranties include 24/7 roadside assistance plus rental car benefits while your vehicle is being repaired. For the first year, you’ll get the Elite Benefits program for free; this includes complete tire coverage, key fob replacement, a collision discount and a $1,000 payment if your car is determined to be a total loss.
Endurance has a network of thousands of ASE-certified repair shops. More important: Endurance pays the repair bill upfront. All you need to cover is the deductible.
ConsumerAffairs calls Endurance “a solid choice” for drivers of any age, and “particularly appealing” for those with older vehicles.
Take a minute and get a quote.
9. Don’t pay interest charges on balance transfers until 2027
High-interest credit cards can make it ridiculously hard to get ahead.
But there’s a solution: transfer your balance to a credit card that offers a 0% intro APR until 2027 on balance transfers and no annual fee, which means more of your money actually goes toward paying down your balance. It could be worth considering if you want to break that high-interest cycle.
Stop letting high-interest credit card payments eat into your budget. Paying those steep rates every month? It’s like throwing money away!
If you’re ready to break free, now might be the perfect time to switch to a card that allows you to pay no interest on balance transfers into 2027.
The FinanceBuzz editors have uncovered an incredible deal: with cards offering exactly that! That could mean over a year of no interest on balance transfers, giving you the chance to pay down your balances faster and keep more money in your pocket.
Even better? These cards come with a $0 annual fee. It’s the ultimate way to take control of your finances and escape the high-interest trap.
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