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. We ended up getting her credit report cleaned up, but it could have been worse if we weren’t paying attention.

I use a site called Credit Sesame which will give you your credit score almost instantly for free along with a credit report CARD with a letter grade that shows your utilization. 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 Doing Small Tasks

One way to make some extra dough quickly is by doing tasks in your spare time. While there are tons of online opportunities, here are a couple good ones to check out.

Survey Junkie will pay you to take surveys and has an A+ rating with the Better Business Bureau. This site 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.

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

3. Get Money that is Owed to You

Did you know that there is a way to get money back on purchases that you make if the price drops? A free service called Paribus will search your email account for purchases for sites like Walmart and will credit you the difference if the price drops.

This is a no-brainer because all you have to do is sign-up for free and they take care of the rest.

4. 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. The average person saves $30 per bill. 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.

5. Get Paid Driving People Around

If you like meeting new people and need a way to make money on the side, driving for a company like Lyft could be worth checking out. You work the hours you want and the pay is decent. My buddy Ryan makes around $800 per month for driving for people around on the side.

Right now Lyft is offering a $300 sign up bonus which is pretty sweet.

6. 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. They even have a Fast 5 Discount where you can get 5% off your first month’s premium.

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.

7. 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 Credible as they will provide you with lenders that can help you refinance your credit card debt to as low as 4.99% so that you can pay your debt off even faster.

As you can see there are many ways that you can better your financial situation right now. Don’t put off tomorrow what you can do today.

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

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