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 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 More Money Today

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

Survey Junkie has an A+ rating with the Better Business Bureau and it 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. 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.

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 save $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 $250 sign up bonus which is pretty sweet.

6. Get Paid for Shopping Online

Wouldn’t be great to make money while you shop online? There are many websites out there that will give you money back for things that you buy every day.

One of the best sites is called Ebates which will will give you cash back for buying things at retailers like Amazon, Walmart, and more.

Click here to get a $10 cash for signing up and make your first purchase through eBates.

7. Refinance Your High-interest Debt and Student Loans

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 LendingTree as they will provide you with lenders that can help you refinance your credit card debt so that you can pay your debt off even faster.

You can also check out Credible which can help you refinance student loans to as low as X% APR.  The average person saves $24,046 by refinancing. 

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

Make Some Extra Cash by Taking Surveys

Taking surveys in your spare time can be a great way to earn some extra dough fast. Check out Survey Junkie which will pay you instantly with cash via Paypal. They have over 6,000,000 members and they have an 8.9/10 rating on Trust Pilot.

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