10 Quick Steps That’ll Have You Managing Your Money Like A Millionaire
Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)
But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.
These are simple money moves any normal, non-millionaire person can make today. Each tip can get you closer to achieving your big goals.
Take a look:
1. See if You Can Get Free Money From This CompanyHere’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?
Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.
Need to buy groceries? Extra cash.
Need to fill up the tank? Bam. Even more extra cash.
You were going to buy these things anyway — why not get this extra money in the process?
Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”
2. Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.
3. Get a Free $25 to Invest Like an Elite Hedge Fund
Hedge funds feel like an elite, sophisticated way to invest — and out of reach for most of us. Something like a $250,000 minimum makes this kind of investing feel like an exclusive club for the wealthy.
But an app called Titan makes this kind of elite investing strategy accessible to the rest of us — and you can get started with just $100. Plus, they’ll give you $25 for free once you sign up and invest.
Titan is a simple, user-friendly investment app that mirrors the financial moves of top hedge funds. It invests money in top stocks, based on what all those hedge funds have been buying — because it knows those are best set up for growth.
And unlike robo-investing apps, you get access to fund managers and insights into what goes into their recipes. Titan’s portfolio managers and analysts aim to beat the stock market from day one.
All three of Titan’s co-founders are former hedge fund guys who are now heavily invested in their Titan portfolios — the same stocks they’d invest your money in.
More than 50,000 people already use Titan, and it takes just a few minutes to fund your account and get started — and get your free $25 so you can invest even more. Isn’t it time you had access to invest like the elite?
4. Ask This Website to Help Pay Your Credit Card Bill This Month
If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.
If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all. Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.
5. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
If you’re turning blue in the face waiting for a raise at work, it might be time to quit holding your breath and start speaking your mind to someone who wants to listen.
Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.
And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.
They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.
6. Freeze Your Credit Cards
You’ve heard the whole “freeze your credit” advice. We agree: It’s a smart practice. But in order to save money, freeze your credit cards.
Literally — in the freezer they’ll go.
Sure, it sounds extreme, but if you tend to make impulsive credit card purchases, stick your card in a Ziploc bag, submerge it in a canister of water and slide it into the freezer. When you’re tempted to spend, you’ll have to wait for the card to thaw, requiring you to think through your spending decision.
7. Quit Your Job and Make $69/Hour
Are you tired of your job, but not sure how to venture out and start your own business? Look into bookkeeping. It’s the No. 1 most profitable business, according to an article in Inc. And you can earn up to $69 an hour, reports Intuit, the creator of QuickBooks.
You don’t have to be an accountant or good at calculus to start your own bookkeeping business, either. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it’ll even give you the first three classes for free.
It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran in his 30s. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making around $50,000 a year keeping track of business expenses for his 10 clients.
It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule and is able to spend more time with his wife than ever.
If you’re just a little curious, you just have to submit your email address here to take the first free classes. If you stick with it, you could be running your own business in just a few months.
8. This Guy Added Nearly 300 Points to his Credit Score — See How You Can Raise Yours, Too*
You’ve got big plans. Maybe you’ve got your eye on a new car. Or you’re hoping to buy a house in the next few years. Or you’d even like to start your own business. But here’s the thing: No matter what your goals are, you might not realize how much your credit score is standing in your way.
The good news? A free website called Credit Sesame makes it easy to put your credit score on track to reach your goals. We even talked to one guy, James Cooper, of Atlanta, who used Credit Sesame to raise his credit score nearly 300 points in six months.*** He says they showed him exactly what to do — he was even able to open his first credit card.
What could adding 300 points to your score mean for your goals? It could easily save you thousands of dollars over the life of a car loan or mortgage.
Within 90 seconds, Credit Sesame will give you 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).
Make sure your plans don’t get sidelined by bad credit. Sign up for free (it only takes about 90 seconds) and see how much you could improve your score.
9. This App Can Help Save You $720 This Year
Keeping track of your subscription services can feel like a game of whack-a-mole. Just when you think you’ve got a handle on them all, another random charge pops up on your bank statement.
It’s easy to let it slide — $5 here, $10 there. But it can seriously add up. Luckily, an app called Truebill can show you exactly where you’re wasting money on forgotten subscriptions and bills that are overcharging you. It saves the average person $720 a year.
Truebill helps you find and cancel things like unused streaming subscriptions and expired free trials, and they’ll also negotiate lower monthly rates with your internet company, phone company and other bills — for the same service.
Truebill has already saved users more than $245 million, and it uses Plaid to make sure all your sensitive information is safe. The app does all the heavy lifting. All you have to do is sign off on these money-saving changes.
It takes just a few minutes to get started and see how much you could save this year. Just register an account and link your bank account, then sit back while Truebill goes to work.
10. Let This Free App Save You $40/Month on Gas
How far out of your way should you drive to find a great price on gas? At what point are the savings no longer worth it?
An app called Upside makes saving on gas straightforward with cashback offers that don’t involve any mental math. It maps out participating local gas stations where you can beat the pump price by as much as 25 cents per gallon.
People who use the app regularly save as much as $40 a month. That’s cash money deposited straight into your PayPal or bank account. Or redeem it for a gift card from popular brands like Amazon and Starbucks.
Here’s how to pay less for gas: Just download the Upside app, set up a free account and check the map to find participating stores near you. When you’re ready to fill up, claim an offer, tap “Check In” when you’re at the pump and pay with your linked card — easy money for a few seconds of your time.
You can cash out any time, and you’ll get your money within two days of initiating a transfer.
How many free tanks of gas can you get with an average of $148 in annual earnings? Download the Upside app and use code PENNY25 to get an extra 25 cents per gallon off your first purchase.
The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is not a bank.