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. 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 some 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.
Vindale Research will pay you for giving feedback on popular companies like Amazon, Disney, and more.
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.
2. 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.
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. Get Paid Driving People Around
Right now you can get a $250 bonus for signing up for Lyft.
5. 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.
6. 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.
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 Credible 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.
They also refinance student loans to as low as 2.78% APR. The average person saves $18,668 by refinancing.
Use this link to get $150 cash back if approved for refinancing your student loan through Credible.
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.