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. Refinance Your Mortgage

If you have a mortgage, then DO NOT overlook this option. Because most people take years to pay off a mortgage loan, even the difference of a fraction of a percentage on your interest rate can save you thousands of dollars.

Lenda has a completely paperless process and their digital loan officer model enables them to save on costs tied to the traditional loan model which passes the savings on to you.

They also have fast closing on loans, as little as 17 days.

Lenda currently operates in California, Washington, Oregon, Colorado, Texas, Arizona, Illinois, Michigan, Pennsylvania, and Georgia. However, they hope to expand to other states soon.

2. Consider Pay-Per-Mile Auto Insurance

Did you know that you can pay a lot less for insurance if you don’t drive many miles per year? Check out Metromile to see if you can get a lower premium on your auto insurance. You can potentially save up to $500 per year by switching.

Make sure if you are comparing insurance premiums that you are comparing apples to apples when it comes to the coverage provided.

Metromile is currently available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

Bonus: Save Energy and Save Money

Concerned about the environment and want to save money? Now you can with OhmConnect.

OhmConnect will notify you in real time via their app when dirty or unsustainable energy plants come on the grid during peak energy usage times. If you commit to conserving energy during that one hour period, you’ll get paid between $100 and $300 per year.

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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