No matter what your current financial position is, you can always improve it. Whether it is by making more money, spending less or shopping around, there is always an area that can be fine-tuned so that you can get closer to achieving your financial goals. To help you with that, below are seven ideas for improving your financial well-being.

1. Check Your Credit

It is important to know that your credit is in good standing. A couple years ago, my wife had a fraudulent account opened in her name and the only reason we found it was because we checked our credit on a regular basis.

I use a site called Credit Sesame which will give you your credit score almost instantly for free along with the details of your credit report. Make sure to check your credit at least a couple of times per year to make sure that there is no fraudulent activity and that your credit is in good order.

2. Make Money Today with Online Surveys

Taking surveys in your spare time can be a great way to earn some extra dough fast. While there are tons of online survey opportunities, here are some good ones to check out.

Survey Junkie has over 6,000,000 members and this company is cool because they will pay you instantly with cash via Paypal.

Swagbucks will pay you cash for things you do every day like surfing the internet, watching videos, etc. They have paid out over $194 Million to their members.

Panel PayDay is a survey company where you can make some serious money. Sign up to Panel Pay Day and earn $25-75 per survey.

Keep in mind, you can sign up for all of these and put more money in your pocket while doing surveys when you have some extra time on your hands.

3. Save Money Using a Robot

There is a free tool called Trim which will cancel your unused subscriptions, find you cash back, and renegotiate your bills for you. All you do is sign up, connect an account and their robotic assistant will email you ways that you can save money.

It is actually really cool and easy to use.

4. Refinance Your High-interest Debt

If you have any credit card debt at all, then DO NOT overlook this option. With the average credit card interest rate around 15%, this could save you a ton of money over the long haul. One of my favorite companies is SoFi as they will refinance your credit card debt to as low as 4.99% so that you can pay your debt off even faster.

They do not have a prepayment penalty which means that you can pay it off as fast as you want and reduce your interest at the same time. Use this link to get $100 cash back if you get approved.

It is also worth checking out Credible as well as they refinance student loans to as low as 2.60% APR.  Use this link to get $150 cash back if approved for refinancing your student loan!

5. Shop for Cheaper Auto Insurance

Why pay more than you have to when it comes to insurance? Check out Esurance to see if you can get a lower premium on your auto insurance. Make sure if you are comparing insurance premiums that you are comparing apples to apples when it comes to the coverage provided.

After comparing what your existing coverage provides, consider increasing your deductible to save even more money. If you do this, make sure that you have enough cash in the bank to cover your deductible if the need ever arises.

6.Get Cheaper Groceries

Do you but organic groceries? How does saving up to 30% each month on your groceries sound? Check out Thrive Market who will not only save you money on your groceries, but they will deliver them to your front door as well.

Click here to get an additional 15% off of your first order.

7. Save Money on Your Vacations

Let’s face it, when we travel on vacation it is usually not cheap. On your next trip, you should consider a vacation rental instead of a hotel. We have stayed at vacation rentals where we saved hundreds of dollars per night, so this can at least save you hundreds of dollars per year.

Check out a site called that will pull in vacation rentals from all the other sites like VRBO, HomeAway, etc. Think of Hotwire or Priceline but for vacation rentals.

This makes searching for a place to stay so much easier because instead of price shopping on 10 sites, which can save you a ton of time and money.

What are some ways you have improved your finances over the years?