Categories
Saving Money

How to Save More Than $1,000 a Day Without Breaking the Law

If you need to save money, like, yesterday, you’ve come to the right spot.

Our team has compiled a list of creative ways you can fatten your bank account this month. Certainly, there’s something here that fits your needs.

1. Get a Refund From Your Car Insurance Company

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. Once you cancel your current car insurance, they’ll even send you a refund! 

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

2. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that pays you up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

3. Watch Movie Previews

image_2
Carmen Mandato/ The Penny Hoarder

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.

4. See if You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash right now?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money in the process?

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.

5. Get a Free $80 for Playing This Cell Phone Game

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.

Players have won hundreds of thousands in prize money so far.

To get started, just download the free app and start playing your first game immediately.

6. This App Pays up to $40 Per Game When You Compete and Win

What’s your favorite game to play on your phone? Is it spider solitaire or cube solitaire? Do you like bubble shooter games? How about block puzzle games or bingo?

Wouldn’t it be even better if you could win real cash by competing against other players? That’s the idea behind a gaming app called Mobile Premier League.

You’ll have your choice of nearly a dozen popular online games. You can play free practice versions of the games for as long as you want. When you first sign up to enter cash tournaments, you get $5 in bonus cash just for joining. 

Entry fees for tournaments range from 25 cents to $6. Currently, the pool of winnings for each tournament can go up to $1,250, and the most that a single player can win in a tournament is $40. Additionally, Mobile Premier League plans to add bigger tournaments soon.  

Your winnings get deposited into your Mobile Premier League account, and you can pay yourself via PayPal or a simple bank transfer.

It’s easy to download the app and start playing.

7. Get Paid up to $80 — Just for Sharing Your Opinion

Taking surveys might not sound like the best way to make money, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.

There are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie.

They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours.

More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot.

Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

 
   
Categories
Saving Money

This 21-Day Challenge is Perfect For People With $5K or More in Credit Card Debt

If you have credit card debt, you know. The high interest rates, the constant anxiety, the feeling you’ll never escape…

But today’s the day that’s all going to change. It’s time to finally pay off your credit card debt and live your life with a little less money stress by committing to this 21-day debt payoff challenge.

You ready? Follow these steps to finally conquer your credit card debt:

Day 1: Freeze Your Credit Cards

No, we’re serious. Literally freeze your credit cards.

If you want to get serious about paying off your credit card debt, you’ll want to stop using your cards — at least until you can pay down your balance and temper your spending.

So grab a container from your cupboard, fill it with water, drop your credit cards in, and pop it in the freezer. No more spending temptations. Now you’re ready to get serious.

Day 2: Know What You Owe and Prioritize Your Debt

One of the toughest parts about paying down your debt is simply knowing where to begin. Which of your credit cards has a balance? Carries the highest interest rate? Has the highest minimum monthly payment?

That’s where a free website like Credit Sesame can help. It takes 90 seconds to sign up and access your free credit score. From there, Credit Sesame will outline your debt — exactly what you owe and to whom — and offer personalized recommendations. It’ll even break down the interest rates and minimum monthly payments.

Armed with this intel, you’ll be able to more easily devise your payoff plan. Do you want to use the debt avalanche method, where you’ll pay off the cards with the highest interest rates first? Or maybe you prefer the debt snowball method, where you start with the smallest balances first.

You can continue to use Credit Sesame to keep track of your progress and hold yourself accountable throughout this challenge. And, hey, it’ll be kind of fun watching your credit score react to all your hard work!

It takes just 90 seconds to get started with Credit Sesame.

Day 3: Ask This Website to Help Pay Your Credit Card Bills This Month

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… 

And 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 up to 36%. But a website called AmOne wants to help.

If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.

Day 4: Cancel Your Car Insurance

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

Days 5-6: Build a Sustainable Budget

A couple talk in their living room.
Getty Images

Now it’s time to build yourself a budget. We’re giving you two days for this because we get it: This can be overwhelming.

Oh, yes, we hear your groaning from here, but budgeting is an integral part to paying off your credit card debt, and it’ll help you accomplish your financial goals. Plus, it doesn’t have to be that difficult.

We suggest using the 50/20/30 budgeting method. It’s easy and offers a lot of flexibility. Here’s what it looks like:

  • 50% of your monthly income goes toward living expenses. These include rent, mortgage, utilities, groceries, car payments, gas and loan payments.
  • 20% of your monthly income goes toward money goals, which can include investments, savings and debt-reduction payments above the minimum amount.
  • 30% of your monthly income goes toward personal spending. That’s everything else.

Because you want to pay off your credit card debt, you’ll want to focus on building your minimum payments into that 50% category. Then any additional efforts will get wrapped into the money goals category.

If you’re struggling to make your expenses fit perfectly into each category, feel free to adjust the proportions. Like we said, this is super flexible, so use it to suit your needs and hit your goals.

Day 7: Get a Free $83 for Winning a Game of Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that pays up to $83 per win — that’s an extra credit card payment!

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

Day 8: Reward Yourself With $225 Just For Watching Cooking Videos

If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious.

A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.

InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $56 million.

It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

Days 9-16: Commit to a “No Spend” Challenge

A couple eat breakfast together.
Getty Images

You’re making good progress so far! Now it’s time to really pour fuel on this fire by committing to a week of no spending.

That means you won’t spend any money on nonessentials this next week. Definitely still pay rent, your utilities — all those responsible grown-up bills — but don’t spend anything on entertainment, clothes or dining out.

Yes, this will be difficult, and you will face temptations. But this is a great way to reset your spending habits and save up some extra money to put toward your debt.

If you’re feeling really ambitious, you can go for a full month, like personal finance writer Jamie Cattanach. She committed to a No Spend November, to help tame some of her holiday spending. When Cattanach finished her challenge, she saved more than $600. Not bad, right?

Days 17-20: Get Paid up to $600/Week to Drop off Starbucks

A man delivers groceries to a neighbor.
Getty Images

Your city is filled with two things: Starbucks, and people who want Starbucks.

An app called Doordash will pay you to pick up and deliver an extra latte when you’re already out and getting your caffeine fix. And it’s not just coffee. You can deliver from Chipotle, Chick-fil-A, Five Guys and hundreds of other restaurants in your area.

With Doordash, you set your own hours and work as much or little as you want, meaning how much you make is up to you.

You’ll earn money for each delivery, plus tips. Jose Neri, from California, reports earning $500 to $600 a week working just lunches and dinners.

The best part? No passengers — that grande, no-whip macchiato will be the only thing to hear your beautiful singing voice.

If you sign up for Doordash now, it’s possible to get your first paycheck this week.

Day 21: See If You Can Get More Money From This Company

Whew! You’ve almost completed the challenge. How are you feeling? You should be proud of yourself for committing to pay off your debt.

Now that you’re done, the key is to keep it going and start building in other financial goals to your plan. Think: Establishing a savings.

This doesn’t have to be a super risky investment, though.

Maybe you’re just looking for a place to safely stash it away — but still earn money. Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)

But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “this is totally safe.”

Carson Kohler (carson@thepennyhoarder.com) is a staff writer at The Penny Hoarder. She’s rooting for you!

 
   
Categories
Saving Money

Good at Solitaire? This App Will Give You up to $83 If You Can Win a Game

You can have your Angry Birds and your Candy Crushes. I don’t need ‘em.

I’ve got Solitaire Cash.

The game is a great time-killer and stress-reliever. And — the best thing about Solitaire — you can play it all by your lonesome. It’s solitary in nature.

Do you play Solitaire on your phone? Are you any good?

Want to see if you can win money?

There’s a free Samsung app called Solitaire Cash that lets you play for money. You could get paid up to $83 per win.

Playing Solitaire for Money: How to Win up to $83/Game

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch.

When we say Solitaire Cash is free, it really is free. Sure, you can pay to play some higher-stakes games (starting at 30 cents), but there’s no pressure.

Here’s an overview of how it works: You’re dealt a deck and compete against at least five other players. Everyone gets the same deck. This is totally skills-based, so no luck is required. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

The app is free to download, and it’s a game you already know and love. Plus there’s no risk, so it’s worth a shot, right? Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

What You Need to Know Before You Start Playing

The game is pretty simple and straightforward — you’ll pick it up quickly — but we’ll give you some tips.

After downloading the app, you’ll start playing free games. Once you collect 120 “gems,” you can start competing in the “Freeroll” tournament, where you can win real cash.

You can speed up the process by depositing small amounts of money to compete for larger winnings — and you get extra bonus cash for each deposit. But that’s totally optional.

If you win a tournament, you can cash out through PayPal or Apple Pay.

Oh, and we almost forgot the best part: This app doesn’t have any annoying ads, so you don’t have to worry about your games getting interrupted.

Solitaire Cash already has more than a million downloads and has paid out more than $1.5 million. To get started, just download the free app and start playing your first game immediately.

Cash tournaments aren’t available in the following states: Arizona, Arkansas, Indiana, Iowa, Louisiana, Maine, Maryland, Montana, South Carolina and South Dakota.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s a recovering Solitaire addict.https://cdn.thepennyhoarder.com/rc/2020/rc.html

 
   
Categories
Saving Money

This Free App Pays You up to $83 Every Time You Win a Game of Solitaire

You can have your Angry Birds and your Candy Crushes. I don’t need ‘em.

I’ve got Solitaire Cash.

The game is a great time-killer and stress-reliever. And — the best thing about Solitaire — you can play it all by your lonesome. It’s solitary in nature.

Do you play Solitaire on your phone? Are you any good?

Want to see if you can win money?

There’s a free Samsung app called Solitaire Cash that lets you play for money. You could get paid up to $83 per win.

Playing Solitaire for Money: How to Win up to $83/Game

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch.

When we say Solitaire Cash is free, it really is free. Sure, you can pay to play some higher-stakes games (starting at 30 cents), but there’s no pressure.

Here’s an overview of how it works: You’re dealt a deck and compete against at least five other players. Everyone gets the same deck. This is totally skills-based, so no luck is required. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

The app is free to download, and it’s a game you already know and love. Plus there’s no risk, so it’s worth a shot, right? Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

What You Need to Know Before You Start Playing

The game is pretty simple and straightforward — you’ll pick it up quickly — but we’ll give you some tips.

After downloading the app, you’ll start playing free games. Once you collect 120 “gems,” you can start competing in the “Freeroll” tournament, where you can win real cash.

You can speed up the process by depositing small amounts of money to compete for larger winnings — and you get extra bonus cash for each deposit. But that’s totally optional.

If you win a tournament, you can cash out through PayPal or Apple Pay.

Oh, and we almost forgot the best part: This app doesn’t have any annoying ads, so you don’t have to worry about your games getting interrupted.

Solitaire Cash already has more than a million downloads and has paid out more than $1.5 million. To get started, just download the free app and start playing your first game immediately.

Cash tournaments aren’t available in the following states: Arizona, Arkansas, Indiana, Iowa, Louisiana, Maine, Maryland, Montana, South Carolina and South Dakota.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s a recovering Solitaire addict.

 
   
Categories
Saving Money

This Free App Pays You up to $83 Every Time You Win a Game of Solitaire

You can have your Angry Birds and your Candy Crushes. I don’t need ‘em.

I’ve got Solitaire Cash.

The game is a great time-killer and stress-reliever. And — the best thing about Solitaire — you can play it all by your lonesome. It’s solitary in nature.

Do you play Solitaire on your iPhone? Are you any good?

Want to see if you can win money?

There’s a free iPhone app called Solitaire Cash that lets you play for money. You could get paid up to $83 per win.

Playing Solitaire for Money: How to Win up to $83/Game

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch.

When we say Solitaire Cash is free, it really is free. Sure, you can pay to play some higher-stakes games (starting at 30 cents), but there’s no pressure.

Here’s an overview of how it works: You’re dealt a deck and compete against at least five other players. Everyone gets the same deck. This is totally skills-based, so no luck is required. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

The app is free to download, and it’s a game you already know and love. Plus there’s no risk, so it’s worth a shot, right? Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

What You Need to Know Before You Start Playing

The game is pretty simple and straightforward — you’ll pick it up quickly — but we’ll give you some tips.

After downloading the app, you’ll start playing free games. Once you collect 120 “gems,” you can start competing in the “Freeroll” tournament, where you can win real cash.

You can speed up the process by depositing small amounts of money to compete for larger winnings — and you get extra bonus cash for each deposit. But that’s totally optional.

If you win a tournament, you can cash out through PayPal or Apple Pay.

Oh, and we almost forgot the best part: This app doesn’t have any annoying ads, so you don’t have to worry about your games getting interrupted.

Solitaire Cash already has more than a million downloads and has paid out more than $1.5 million. To get started, just download the free app and start playing your first game immediately.

Cash tournaments aren’t available in the following states: Arizona, Arkansas, Indiana, Iowa, Louisiana, Maine, Maryland, Montana, South Carolina and South Dakota.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He’s a recovering Solitaire addict.

 
   
Categories
Saving Money

This App Will Give You $5 to Invest in Gold and Other Precious Metals

Have you ever wondered where the term “gold standard” came from? 

We use it now to describe the best of something — like how The Penny Hoarder is the gold standard of personal finance websites. But it used to refer to the fact that gold was the official yardstick to measure the value of money. 

And while the U.S. dollar hasn’t been backed by gold in half a century, it’s still a highly sought-after precious metal that people invest in. And you don’t need a giant safe or a high-security account in Switzerland to get in on the action. 

In fact, with an investing app called Stash, you can join what’s normally exclusive to the richest of the rich for as little as $1 — investing in pieces of well-known companies like Amazon, Google and Apple, as well as ETFs made up of precious metals, including gold. They’ll even give you $5 to put toward one of these ETFs just for opening and funding your account. 

The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1 

When you use this link to sign up, Stash will give you a $5 sign-up bonus to invest in the precious metal industry  (or whichever investment you want) once you open a Personal Portfolio and deposit $5 into your account.2

It takes two minutes to sign up, and it’s totally secure. With Stash, investments are held by their custodian, Apex Clearing Corporation, a member of the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money comes with protection.”3

1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year. Dividends may be subject to additional taxes, and are considered taxable income. Please refer to the IRS for additional information.

2 Offer is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the Bonus, you must complete the following steps: (i) successfully complete the designated registration process of opening an individual taxable brokerage account (“a Personal Portfolio”), (ii) link a funding account (e.g. an external bank account) to your Personal Portfolio, AND (iii) initiate and complete a minimum deposit of at least five dollars ($5.00) into your Personal Portfolio. In the event you only complete the designated registration process to receive the Financial Counseling Service (as defined in your Advisory Agreement) or do not otherwise complete the account opening process for an individual taxable brokerage account (“Personal Portfolio”), you will not be eligible to receive the Bonus.

3To note, SIPC coverage does not insure against the potential loss of market value. Apex Clearing Corporation is a third-party SEC-registered broker-dealer and member FINRA/SIPC

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

The Penny Hoarder is a Paid solicitor of Stash. 

This information is for educational purposes only. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks ™ or registered ® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

 
   
Categories
Saving Money

8 Strange Things Millionaires Do With Their Money, But Most of Us Have Never Tried

Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)

But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

These are simple money moves any normal, non-millionaire person can make today. Each tip can get you closer to achieving your big goals.

Take a look:

1. See if You Can Get Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money in the process?

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. Find Out If You’re Overpaying

CapitalOne Shopping tells you when you’re about to pay too much for an item. For example, you could save $42 on these headphones.

Wouldn’t it be nice if you got an alert any time you’re shopping on Walmart.com and are about to get ripped off?

That’s exactly what a free service called Capital One Shopping does. (No need to be a Capital One customer to use it!)

Capital One Shopping’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Amazon, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.

Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Capital One Shopping will pop up and let you know if you’re about to overpay. It will even automatically apply any known coupon codes to your order.

So far, Capital One Shopping has saved users more than $70 million.

You can get started with Capital One Shopping in just a few minutes to see if you’re overpaying online.

Capital One Shopping compensates us when you get the browser extension using the links we provided.

3. Give Your Family up to $1,000,000 

Have you thought about how your family would manage without your income after you’re gone? Chances are your checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But if you were born after 1966, you can take advantage of Bestow. You don’t even need to leave your house.

We hear people are paying as little as $8 a month. (But every year you wait, this gets more expensive.)  

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

4. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?

A website called EverQuote makes it super easy to compare car insurance prices. All you have to do is answer a few questions about yourself and your driving record, and it’ll show you your options.

Doing this could save you up to $610 per year on your insurance. Seriously.

It takes just a few minutes to look at your options and see how much you could save. And the best part? Because we’re driving less, some insurers are slashing prices this month.

5. Put $5 in the Stock Market

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company. 

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account. 

6. Stop Paying Your Credit Card Company

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

Your credit card is getting rich by ripping you off with insane rates, but a company called AmOne could help you pay them off tomorrow.

Here’s how it works: AmOne will match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

AmOne won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

7. Get Paid $225 to Watch Videos

We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here? 

But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes. 

You could add up to $225 a month to your pocket by signing up for a free account with InboxDollars. They’ll present you with short video clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $60 million.

It takes about one minute to sign up and start getting paid for your nightly zone-out.

8. Add up to 300 Points to Your Credit Score

When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.* “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up

*Financial investment involves the risk of loss

*The Penny Hoarder is a Paid Affiliate/partner of Stash. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

**You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various

 
   
Categories
Saving Money

6 Last-Minute Ways to Improve Your Bank Account Balance Before Something Happens

When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.

Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.

1. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

2. Get Paid $225/Month to Watch Celebrity Videos

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225 a month.

It’s already paid its users more than $50 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

3. Cancel Your Car Insurance

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.

If it’s been more than six months since your last car insurance quote, you should look again.

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year.

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

4. Get a Free $80 for Playing This Cell Phone Game

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that pays you to play. You can get paid up to $80 per win!

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the App Store.

Players have won hundreds of thousands in prize money so far.

To get started, just download the free app and start playing your first game immediately.

5. Get Paid up to $80/Month — Just for Sharing Your Opinion

Taking surveys might not sound like the best way to make money, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.

There are a bunch of paid survey sites out there, but one of the best we’ve found is Survey Junkie.

They’ll ask you questions about things like, what kind of laundry detergent you use, or if you prefer Pepsi or Coke. You get points for answering, and many people accumulate enough points to request a check within a few hours.

More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot.

Give it a try by visiting Survey Junkie and clicking the “Join Now” button. It’s free.

6. See if You Can Get Free Money From This Company

a woman logs into her bank account on her cell phone.
Tina Russell/The Penny Hoarder

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on free money. And who doesn’t want free money?

Yep. A debit card called Aspiration gives you up to a 10% kickback every time you swipe.

Need to buy groceries? Free money.

Need to fill up the tank? Bam. Free money again.

You were going to buy these things anyway — why not get free money in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

 
   
Categories
Saving Money

5 Little-Known Privileges That All Allow The Wealthy to Pad Their Bank Accounts

Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)

But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

These are simple money moves any normal, non-millionaire person can make today. Each secret can get you closer to achieving your big goals.

Take a look:

1. They Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash.

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe, plus they give you up to 100x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

2. They Buy Apartment Buildings With Other People’s Money

This year has been a rollercoaster. Historically, though, real-estate investing offers the best long-term returns. (Does the name Rockefeller ring a bell?)

That’s why we like investing with pros like DiversyFund. They’ll help you make long-term investments in apartments and office buildings all over the country  — and you don’t have to be a millionaire. You can get started with only $500.

You can see exactly which properties are included in your portfolios — like a 200-unit apartment complex in Killeen, Texas or a 59-unit building in San Diego. And you don’t have to be the landlord — DiversyFund does all the heavy lifting.

Because they know how to ride out the market’s ups and downs, they’ve historically seen annual returns of 17% to 18%, though they can’t make any promises.

As a partial owner, you make money on rent payments and when property values go up. It takes just a few minutes to sign up and own your first apartment building.

3. They Cancel Their Car Insurance

When was the last time you shopped around for car insurance? Was it more than six months ago?

If so, you’re probably overpaying — by hundreds of dollars. Yep. Experts say you should compare rates twice a year to get the best deal.

Twice a year? Yeah, we don’t want to do that either.

A website called EverQuote makes it super easy to compare car insurance prices. All you have to do is answer a few questions about yourself and your driving record, and it’ll show you your options.

Doing this could save you up to $610 per year on your insurance. Seriously.

It takes just a few minutes to look at your options and see how much you could save. And the best part? Because we’re driving less, some insurers are slashing prices this month.

4. They Buy Other People’s Companies (For $1)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free bonus to get started.

That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.*

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1. The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account.

5. They Give Their Family $1,000,000 

Oh, to be a millionaire. Look, not all of us have the money to set up trust funds for our loved ones. But you could still give them $1 million (or more) with term life insurance.

You’re probably thinking: I don’t have the time or money for that. But you can get free quotes from a company called Policygenius in just a few minutes to help you find the right coverage for your needs. 

Some policies start at less than $20 per month.* The peace of mind of knowing your family is taken care of is priceless.

Policygenius offers life insurance policies that don’t require the usual medical exam, so you don’t even have to get up from the couch. Click here to get a free quote from Policygenius.

*For a $500K policy, subject to eligibility.

 
   
Categories
Saving Money

61 Million Americans Lowered Their Car Insurance Because of COVID-19. How You Could Cut Yours by $500

There’s no question the pandemic was terrible — for a lot of reasons. But a silver lining managed to peek its way through the darkness for nearly 20% of the population:

Car insurance rates dropped significantly, saving 61 million people hundreds, if not thousands, of dollars each since last year.

So, why did rates drop so much?

First, fewer people were on the roads, so there was a lower chance of an accident or claim. Then, new car sales were down an estimated 40%, meaning the claims that did come through may not have been as expensive. And finally, insurance companies knew they needed to be more competitive, since it’s so easy for people to find a new, better policy.

All of those factors caused rates to drop in 2020 (and stay low). One Penny Hoarder took advantage of this situation over the summer and managed to cut her bill by more than half.

Wondering how you can cut your bill, too? It’s not too late. You just need to compare quotes.

A website called Smart Financial makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Smart Financial, people save an average of $715 a year.

Yup. That could be more than $700 back in your pocket just for taking a few minutes to look at your options.

Kari Faber is a staff writer at The Penny Hoarder. She’s the one who saved 50% on her car insurance bill in the midst of COVID-19.