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 5,000,000 members and is cool because they will pay you instantly with cash via Paypal.

EarningStation lets you choose how you earn. For every task, you complete (playing games, watching a daily video, taking surveys or even buying a Groupon) you earn real money! Once you hit a minimum of $10.00 you can choose a reward of your choice. Rewards vary from PayPal payments, EarningStation swag, and even gift cards!

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. Open an Investment Account

In order to become wealthy, you need to have a vehicle in which you can grow your money. An investment account is the best place to start as it will give you the ability to invest in thousands of stocks, mutual funds, etc. As Warren Buffett has said, invest in what you know. For instance, have you heard of a small little company called Netflix? Back in 2006 it was down to $3.35 per share and is now over $125 per share. That’s INSANE return on your money.

Or, have you heard of another company called Facebook? They started around $38 per share and skyrocketed to over $116 per share in just over 4 years. How would you like those returns?

Well, to get in on the action you need to have an investment account. TradeKing is a good one to consider as their trades are only $4.95 while many other firms charge close to $10 for the same thing. And by the way, investing in stocks can be risky. So make sure to diversify and consider seeking the advice of a licensed financial professional.

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 5.99% 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 noting that they refinance student loans to as low as 2.355% APR as well.

5. Shop for Lower Insurance Premiums

Why pay more than you have to when it comes to insurance? I have had the same insurance for years but then I decided to shop around using Esurance and they were $30 less per month! 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 Cash Back for Everyday Purchases

Did you know that you can get cash back for almost anything that you buy online? Well, you can. I use a site called BeFrugal where you can search for a product, it will tell you who sells that product and how much cash back you can get from buying that product through sites like Amazon, Walmart, Toys R Us, etc. Click here to sign up for free and get $10 cash back at the same time.

7. Get a Life Insurance Quote

Protecting your family is one of the best things you can do and life insurance is one of the easiest and cheapest ways to make sure they are covered. Accidents happen every day. Just think about it. How many accidents have you seen or heard about in the past 48 hours?

The best place I have found to get a competitive life insurance quote is Policy Genius. They’re a broker which means they will provide you with multiple providers to choose from so that you can get the best deal for you and your family.  For example, I pay a little over $20 per month for $500,000 in coverage for my family. That is a small price to pay for the peace of mind that my family is covered.

To get a life insurance quote within 5 minutes, click here.

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

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