6 Money Steps Everyone Should Take During the Coronavirus Crisis

Not all of us are born to be organizational wizards, but if you want to get ahead with your money, you’ve got to get it under your control. It’s the only way you’ll get any of the big stuff done, such as paying off debt, taking a real vacation, buying a house or saving for retirement.

We get it, though. Not all of us keep everything neatly filed, color-coded, alphabetized and prioritized. And you don’t have to be.

Here are seven things you can do — in six days — to get your finances under control:

Day 1: Cancel Your Car Insurance

How would you feel if you found out you were wasting nearly $900 this year? We found an app called Jerry, and it can tell you if you’re paying too much on your car insurance. In fact, Jerry says it finds that people, on average, are overpaying by about $887 a year.Once you’re with Jerry, you’ll never have to worry about shopping around for insurance again. From now on, Jerry will automatically do that for you. Also, it won’t cost you anything — it’s all free.And if you’re worried about ditching your current policy, know you can back out at any time, even before your policy runs out. In fact, by law, insurance companies have to give you a refund for the remaining unused days on your policy. If there are any cancellation fees involved (these are usually small), Jerry will let you know.To find out if you’re getting ripped off, fill out the online questionnaire. This should take less than two minutes, then Jerry will take care of the rest..

Day 2: Add up to 300 Points to Your Credit Score

When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.* “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

Day 3: Secure Up to $1.5 Million in Life Insurance; Rates Start at Just $20/Month

Have you thought about how your family would manage without your income if something ever happened to you How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1.5 million with a company called Bestow.

Rates start at around $20 a month.* The peace of mind of knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

Day 4: Ask This Website to Help You Pay Your Credit Card Bill This Month

When you think about your credit card debt, you probably feel a little anxious. It gets tricky keeping track of the balances, the minimum monthly payments and the super-high interest rates.

And while you’re stressing out over your debt, your credit card company is getting rich off the interest you pay. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan (up to $100,000) you can use to pay off every credit card balance you have. The benefit? You’re left with just one (organized!) bill to pay every month. And because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the mess that comes with it — could be gone by tomorrow.

Day 5: Withdraw $5 and Buy a Piece of Amazon, Google or Other Companies

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account.

Day 6: Get Paid $225/Month While Watching Movie Previews

If we told you that you could get paid while watching videos on your computer, you’d probably laugh.

It’s too good to be true, right?

But we’re serious. By signing up for a free account with InboxDollars, you could add up to $225 a month to your pocket. They’ll send you short surveys every day, which you can fill out while you watch someone bake brownies or catch up on the latest Kardashian drama.

No, InboxDollars won’t replace your full-time job, but it’s something easy you can do while you’re already on the couch tonight, wasting time on your phone.

Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.

Signing up takes about one minute, and you’ll immediately receive a $5 bonus to get you started.

*The Penny Hoarder is a Paid Affiliate/partner of Stash. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

**You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

*Like Buitureria, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

*Bestow: Policies are issued by Bestow Life Insurance Company, Dallas, TX on policy form series BLI-ITPOL. Bestow Life Insurance products may not be available in all states. Policy limitations or restrictions may apply. Not available in New York. Our application asks lifestyle and health questions to determine eligibility in order to avoid requiring a medical exam. Prices start at $10/month based on an 18-year-old male rated Preferred Plus NT for a $100k policy for a 10-year term. Rates will vary based on underwriting review.