Invoices and invoices. It seems like it never ends, doesn’t it? They are taking more and more out of your account every month before you even know it.
You can’t completely escape from them (wouldn’t that be cool?), but you are Could you Keep them from being too painful every month. All it takes is to terminate your loyalty to some of the companies you currently use for the bills and fees that come in each month.
Trust us, they won’t miss you. And you definitely won’t miss it—especially when you realize how much money you’ve been needlessly throwing away every month.
1. Your credit card bill: Save up to 10x on interest payments
If you’re reading this, there’s a 50% chance you’ll have credit card debt – nearly half of all adults in the United States do. And if you don’t pay it every month, you’re draining your bank account with unnecessary – and terribly high – interest payments.
The truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates – some as high as 36%! But a website called AmOne want to help.
If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan that you can use to pay off each of your balances.
Benefit? You will have one bill left to pay each month. And since interest rates on personal loans are low (AmOne rates start at 3.49% APR), you’ll be out of debt. who – which Much faster.
With a $5,000 credit this month, that could be an extra $150 for your credit card company, or about $15 for a matching personal loan by AmOne. That’s $1,620 that goes down the drain every year.
AmOne keeps your information confidential and secure, which is probably why after 20 years in the business, it still has an A+ rating with the Better Business Bureau.
It takes two minutes Find out if you qualify for up to $50,000 online. You need to give AmOne a real phone number in order to qualify, but don’t worry – they won’t send you spam emails with phone calls.
2. Your car insurance bill: Save $489 a year
When was the last time you checked car insurance rates?
You should shop your options every six months or so – it might save you some serious money. Let’s be real, though. This is probably not the first thing you think of when you wake up. But it doesn’t have to be.
A website called Insure.com It makes it extremely easy to compare car insurance rates. All you have to do is enter your zip code and age, and it will show you your options.
By using Insure.com, people saved an average of $489 per year.
Yeah. This can be close to $500 in your pocket just to take a few minutes See your options.
3. Your Credit Monitoring Service: Lower $240 to $0
When it comes to your credit score, it’s important to stay organized and keep an eye on it. After all, you’ll play an integral role in any big purchase you want to make – whether it’s a home or a car.
But there is no need to spend $19.99 per month on a credit monitoring service, you can get the same protection for $0.
So if you’re looking to get your credit score back on track – or even if it’s on the right track and you want to get it up – try using a free website called sesame credit.
Within two minutes, you’ll have access to your credit score, any debt-laden accounts, and a handful of personal tips to improve your score. You’ll even be able to spot any bugs holding you back (one in five reports has one).
James Cooper, of Atlanta, used Credit Sesame to raise his credit score by nearly 300 points in six months. *** “They showed me the finer details – how to determine I points and cross T,” he said.
Want to check for yourself? It’s free and only takes about 90 seconds Participation.
4. Your Investment Broker: Never Pay Unnecessary Fees Again
Investing in the stock market is a great tool to grow your net worth. And for a while, it seemed like it was only available to the upper class – people who wouldn’t mind paying up to $50 per deal. What’s $50 When Your Investment Broker Makes Millions?
But if you work for a living and don’t have millions of dollars, a smart investment in the market can seem completely unattainable.
But with an app called stash, it should not be. It allows you to be a part of something that is usually exclusive to the richest – on Stash you can buy pieces from other companies for as little as $1.
That’s right – you can invest in parts of well-known companies, such as Amazon, Google, Apple, and more for as little as $1. The best part? If these companies win, you can too. Some companies even send you a check every three months for your share of the profits, called dividends.1
It takes two minutes Participation, which is completely safe. With Stash, all your investments are protected by Securities Investor Protection Corporation (SIPC) – the industry talk of “your money is safe”.2
Additionally, when you use the link above, Stash will give you a $5 sign up bonus once you deposit $5 into your account. *
5. Your Bank Account: Skip the $15 Monthly Fee
The monthly fee charged by your bank is a huge drain on the account. Especially since some banks charge fees when you don’t have enough money saved. We are the ones who need more than $15!
If you are just looking for a place to hide it safely but still make money, then a deluxe account is not necessary. Under your mattress or in a safe you will get nothing. A typical savings account won’t do you much good. (Ahem, 0.06% is nothing these days).
But the debit card is called Ambition It allows you to earn up to 5% cashback and up to 16 times the average interest on the funds in your account.
Not too shabby!
Enter your email address here Get a free Aspiration Spend and Save account. After confirming your email, link your bank account securely so they can start helping you get extra money.
Your money is FDIC insured and they use military grade encryption which is the nerd talk of “it’s totally safe”.
Carrie Faber is a staff writer for The Penny Hoarder.
*** Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10 point increase, while 20% see at least a 50 point increase after 180 days.
Credit Sesame does not guarantee any of these results, and some may see a drop in their credit score. Any improvement in score is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, proper financial planning, and developing better credit habits.
1Not all shares are paid out, and there is no guarantee that dividends will be paid out each year.
2It should be noted that SIPC coverage does not insure against potential loss of market value.
For securities over $1,000, the fractional stock purchase starts at $0.05.
*Offer is subject to promotion terms and conditions. To be eligible to participate in this promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a Funding Account to your Invest Account and deposit $5.00 into your Invest Account.
The Penny Hoarder is a paid affiliate/partner of Stash.
Investment advisory services provided by Stash Investments LLC, an investment advisory firm registered with the SEC. This material is distributed for informational and educational purposes only, and is not intended to provide investment, legal, accounting or tax advice. Investing involves risks.