Work Smarter, Not Harder – 9 Clever Tips to Build Your Savings

If you really want to grow your nest egg, you need to break out some power moves for stockpiling money.

And that means you need to rely on proven strategies. No pie-in-the-sky stuff here. We’re talking about financial tactics that have demonstrated actual results — tried-and-true techniques that have been battle-tested in the real world.

Because serious wealth building isn’t for dabblers and amateurs.

We’re here to supercharge your savings with some powerful money-making methods. Not all these tips may apply to you, but some of them will, so be sure to read them all.

1. Get a second set of expert eyes

Do you know if your financial advisor is actually working in your best interest and at the top of their field? The barrier to entry to call yourself a financial advisor is incredibly low.

So much of the “wealth management” industry is a glorified scam. Too many financial advisors offer cookie-cutter plans, push high-fee products and sell insurance that earns them kickbacks.

However, a free service called Zoe Financial can connect you with qualified financial advisors who have been rigorously vetted. Zoe only works with unbiased fiduciary advisors who will act in your best interest and offer a true white-glove service.

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 $150,000 in investments, Zoe will review your financial goals and match you with a curated selection of advisors. Then you can schedule a free consultation.

Please carefully review the methodologies employed in the Vanguard white paper, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.”

2. Don’t put all your eggs in one basket

If a large part of your savings is in the stock market — as it should be — you’re well aware that what goes up can also go down. You can’t control the market, but you can hedge against uncertainty by having other forms of wealth.

One of the best ways to protect your savings is diversification. Keep money in different types of investments, ideally ones that 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.

Be careful who you deal with, though. Lots of companies in the gold business are pretty shady and won’t hesitate to sell you gold and silver at vastly inflated prices.

Goldco, on the other hand, has an A+ rating from the Better Business Bureau, an AAA rating from Business Consumer Alliance, and 4.8 to 5 stars on Trustpilot, TrustLink, Google reviews and ConsumerAffairs. They offer just about everything, from precious-metal IRAs to gold coins and gold bars.

You’ll even receive up to $10,000 in free silver on qualified purchases. If you’ve ever thought about investing in gold, why not take a look?

3. Leave your family $5 million richer

You’d move mountains for your family, but what if you’re not around? Who’ll keep the household running? That’s where life insurance saves the day. Unless your kids are already off the payroll and you’re rolling in dough, you’ll want coverage.

Enter SBLI (Savings Bank Life Insurance). These folks make getting life insurance easier than ordering pizza. Just a few clicks from your couch, no doctors poking or prodding. Answer some quick health questions, and boom — a personalized quote in under 5 minutes.

With SBLI, you can snag term life insurance worth up to $5 million. Or go for the gusto with trusty whole life. Either way, it might cost you less per month than your daily caffeine fix.

Over 1,000,000 families have trusted SBLI with over $187 billion in coverage since 1907. They’re legit and they’ve got your back.

Why put it off? Protecting your loved ones is kind of a big deal.

Get a free, no-obligation quote from your friends at SBLI right now.

4. Get a test that could save your life

A simple health screening could be worth a lifetime. You see, cardiovascular disease and strokes are two of the leading causes of death in America. And 80% of them are preventable, according to the American Heart Association and the Centers for Disease Control.

There’s someone on your side, too. A company called Life Line Screening is the leading provider of annual screenings for risk of cardiovascular disease, strokes and other chronic diseases. Screenings provide peace of mind or early detection, and both are a good thing.

Getting a screening is convenient and easy. Just go to Life Line Screening’s website and schedule an appointment at one of more than 14,000 locations across the U.S. The screenings are fast, painless and noninvasive. Results are posted in an online portal within a few days.

It’s not just about preventing death, either — it’s about saving money, too. Strokes and cardiovascular disease are two of the leading causes of serious long-term disability, which would cost you a lot of money. Knowledge is power, and early detection enables you to take action before it’s too late. That’s why Life Line Screening is trusted by more than 10 million customers since 1993.

These screenings are recommended for everyone over 40. If you’ve never gotten one, now’s the time. Schedule an appointment here to get 50% off.

5. Have this company pay off 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.

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 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?

6. Don’t let home repairs drain your bank account

Home repairs aren’t cheap. Whether it’s a leaky roof or a broken appliance, your castle can quickly crumble and cost you hundreds, or even thousands.

Unless, that is, a home warranty company has your back. Example? First American will protect you from giant bills by covering everything from home appliances to electrical, plumbing, heating and cooling systems — even pools and spa equipment.

They also allow you to customize your plan, so you only pay for what you need.

When something goes wrong, just call First American, day or night. The company has a network of prescreened technicians and typically dispatches an independent contractor within 48 hours.

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.

Get your free quote in 30 seconds.

7. Don’t pay to fix your car

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.

8. Save up to $610 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 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 U.S. 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.

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