When you sneak a peek at your bank account, the sight of your savings might trigger a dramatic meltdown (cue the tears!)
It’s like witnessing the tragic tale of a dwindling balance and vanishing dreams.
We live in a world where unexpected expenses lurk around every corner, ready to pounce on your hard-earned funds.
But fear not! We’ve uncovered a secret arsenal of strategies ready to save the day.
Try them all or choose the ones to tell a tale about.
1. Slash your interest rates
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.
2. Save 10%-30% on everything you buy
Let’s face it, shopping online is more convenient than going to a store. Plus, you’re more likely to find a deal, promotion, or coupon code and quickly cross-reference prices at several different retailers to save money.
Want to make that process even easier? Try Capital One Shopping. This handy dandy tool alerts you when a deal on an item you’re buying is available. Talk about effortless. All you have to do is add it as a browser extension, and it’ll search the internet for coupon codes to apply during checkout.
That’s not all. It also compares prices across the internet and will notify you when the item you’re purchasing is cheaper elsewhere. It’s free, and you don’t need to be a Capital One customer to use it. It’s just a friendly tool trying to save you money online.
3. Make easy money during downtime
Imagine having your next coffee, case of beer, or gas fill-up paid for. Well, it’s possible when you use KashKick.com. It’s a browser-based rewards website that will pay you for completing specific tasks like trying a new app or game, taking surveys, or watching videos.
KashKick doesn’t have any gotchas or hidden fees. What you see is what you get. Surveys range from 15 cents to $2 each, so your earnings add up quickly. You must have a minimum of $10 before cashing out to your PayPal account. The payout time is usually three business days or less.
To sweeten the pot, you’ll receive 25% of your friends’ earnings when they join using your referral link. It’s only available to American citizens or permanent residents. So, try it in your downtime and let the drinks pay for themselves.
4. Save $600 on your car insurance
If you’re like most Americans, you’re probably paying too much for car insurance. Shopping around for a better deal is the only solution, but that’s 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.
If nothing else, you’ll at least know if you’re getting a decent price on your current coverage. Nothing to lose, maybe hundreds to gain.
5. Ask this company to destroy your debt
Consumer debt is rising. The average American household has over $9,000 in credit card debt alone.
Maybe there’s a simple solution.
National Debt Relief is a debt settlement company that negotiates with your creditors on your behalf.
If you have $7,500 or more in credit card debt, personal loans, medical bills or other debts you’re having trouble paying, their debt coaches may be able to consolidate your debt into one lower monthly payment almost immediately.
National Debt Relief has an A+ rating with the Better Business Bureau. They do charge a fee, but only after your debts are settled. Users report being debt free in just 24 to 48 months. See if you qualify here.
6. Get an extra $941 in 5 fun minutes a day
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Try it. You’ll be glad you did!