7 Simple Money Moves That You Can Make Today

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Want some practical ideas on how you can improve your financial situation this year? Well, here are seven things you can do to improve your finances, most you can start in under 5 minutes.

1. Use Virtual Cash Envelopes

Want an easy way to stay on track with your finances? Use a virtual cash envelope system.

Cash enveleopes is where you put a certain amount of money in an envelope for a given budget category. Particularly, categories that vary every month like groceries, entertainment, etc.

This way you only spend the money in that is in the envelope and avoid overspending.

Well, now there is a virtual envelope system with Qube. They have made it easy to put your money in digital envelopes so that you don’t have to use physical cash anymore.

2. Make More Interest on Your Savings

Want to make more money on your savings? Well, online banks provide a much higher rate than traditional banks. This is because they dont have all of the overhead of a regular bank.

For instance, right now CIT Bank is paying .40% which is 6X the national average.

Here are the requirements:

  • Maintain a balance of $25,000 or more OR
  • Make at least one monthly deposit of $100 or more

SO as long as you make $100 deposit once per month, you can get this interest rate.

3. Make More Money Today

One of the best things you can do to increase how much you can invest is to find ways to increase your income. Here are a couple of ways that you can do that starting today:

Survey Junkie will pay you for taking surveys in your spare time. They have over 10,000,000 members, and this company is cool because they will pay you instantly with cash via Paypal.

Swagbucks will pay you for doing every day tasks like searching the internet and shopping online.

They have a Trustpilot rating of 4.3/5 and have paid out over $498,000,000 to its members.

4. Get Life Insurance

Protecting your loved ones with life insurance is a smart money move that most people should consider.

Unfortunately, signing up for life insurance can seem like a hassle because no two companies are exactly alike. There are different rules and rates for every policy and company, which can make life insurance seem confusing.

Luckily, AIG makes the process simple and offers life insurance coverage for $250,000 as low as $14 per month.

5. Make Money Playing Games

Do you like playing games on your phone? Mistplay is an app that pays you to play games. When you download the app, you’ll get a mixlist that has new games for you to play.

As you play the games on your app, you’ll start earning points. You can use your points to get gift cards to Visa (i.e. cash!) Amazon, Starbucks and more.

The app also has a chat feature where you can chat with other gamers. And you can earn points when you invite friends to download and play.

Looking for a little competition? You can compete with other gamers to rank in the Mistplay leader boards.

6. Deliver Food and Get Paid

Gone are the days of needing to wear a greasy pizza uniform to be a food delivery driver. Now you can deliver for a variety of restaurants using DoorDash.

DoorDash partners with a variety of restaurants in most cities to bring over 10 million orders to hungry customers!

All you need to get started is a reliable vehicle, moped or good walking shoes, along with a smartphone, the DoorDash app, plus a valid drivers license and insurance.

7. Invest in Real Estate (Affordably)

Owning and renting out real estate can be a great way to make money. However, purchasing a home can be costly since you usually need about 20% down plus closing costs to buy a rental home.

But with Fundrise, you can get started with real estate investing for just $500.

Fundrise is a crowdfunded real estate investing company. They will use your money (and money from others) to purchase and manage large-scale rental properties and give you a cut of the profits.

39 thoughts on “7 Simple Money Moves That You Can Make Today”

  1. Well, “…to find an accountability partner that will cheer you on, keep you on task, and get on your case a bit if you drop the ball”.
    This is not my case. 🙂 I already have one who doesn’t care about savings…

    • That is great to hear. There are several ways you can make extra money like driving for Lyft, taking surveys online, etc. Just pick the one that works best for you and will work with your schedule.

  2. I made connection with a personal business wellness company from here, and now I’m building my own business from home because of the connection of this link. It’s given me extra money each month and I’ve paid off 4 of my credit cards. Financial freedom is on the way…Thank you.

  3. I really need to get into something that is in supply and demand. I also need to be more careful about myself indeed. A man should always keep a plan b just in case plan a doesn’t work for him.

  4. I like investing, but I think that if you really want to save money, you have to trade commission free on Robinhood (link below in website). Saving is really important because how can you invest without first knowing how to save? Fico Score? Well, balance is usually the name of the game!

    • Robinhood has many limitations. For example, you’ll never be able to really day trade or use leverage with Robinhood. I’d rather pay a small commission and be able to maximize my profits with a traditional broker than save a few bucks on every trade. Though it adds up, profits issuing margin far outweigh commissions (depending on how much you wtcan trading with of course)

    • As for me, my dollars will always go to investing rather than savings. Just buying an ETF that tracks the S and P will get you 150 times the returns of a savings account (based on the history of the stock market since 1920).

      Just open a Vanguard account and buy VOO, commission free.

        • You can create an account on Vanguard. The easiest mutual funds to use there are their targeted retirement date funds. You find one that’s tied to when you think you might retire, and they rebalance it for you. But, you should first get together $5000 to avoid fees. For that, good places to look are Credit Unions, rather than banks. Mine lets you open a Roth IRA for as little as $25.

          • There are lots of different, positive things you can do to increase wealth and grow your money. What the right thing is for each person may differ, depending on each person’s individual circumstances. The biggest step is usually just getting started.

    • If you hardly trade, the problem is solved. Vanguard is an industry leader in low cost index funds.

  5. I like my Ally savings account.There’s no minimum, and currently 1.25% APR. They also have CD’s providing up to 2.25% interest.

  6. This article seems to be targeted towards those who are new to building wealth. You can’t invest in crowd funded real estate unless you are an accredited investor. If you are an accredited investor, I highly doubt you are reading articles like this one. So, you should probably remove this as an option. Non accredited investors can only invest in ETFs based on crowdfunding, which is not the same thing

  7. This is how you become wealthy:
    1) Spend less than you make.
    2) Stay out of debt.
    3) Invest your money in mutual funds, not savings accounts.
    It really is that easy. Most of the tips in this article will help you save money for a Christmas fund, not become wealthy.

    • Where do you invest in mutual funds? What are some names of mutual funds that pay high interest rates?

    • We have lots of ways to make money on our website. Check them out. I hope you find something that works for you!

    • Use the links in this post to help you out. We also have lots of other posts on this site about ways you can make money. 🙂

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