10 Quick Steps That’ll Have You Managing Your Money Like A Millionaire

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  1. 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:

  2. 1. See if You Can Get Free Money From This Company

     Here’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.”

  3. 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.

  4. 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 a free $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 35,000 people already use Titan, and it takes just a few minutes to fund your account and get started — and get your free $25. Isn’t it time you had access to invest like the elite?

  5. 4. This App Will Pay Off Your Credit Card Debt

    Even when you pay more than the monthly minimum, credit card companies still like their chances. They know it’s only a matter of time before you miss a payment, increase your balance or go back to paying the minimum.

    High-interest rates and fees are carefully calculated to keep you locked into years of carrying balances on your credit cards. But an app called Tally can help you break free.

    First, Tally gives you a low-interest line of credit* to consolidate your balances. From there, Tally optimizes your monthly due date (no more scrambling to keep up with multiple due dates).

    Once you pay on your new balance regularly, Tally will even give you discounts to help you pay it off even faster — you could pay off all of your cards in half the time.

    Simply download the iOS app, scan in your credit cards, and if you qualify (with a minimum credit score of around 580), Tally will give you a line of credit to get your credit cards under control. 

    Tally is currently available in Ala., Alaska, Ariz., Ark., Calif., Colo., Conn., Del., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Ky., La., Md., Maine, Mass., Mich., Minn., Miss., Mo., Neb., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Va.,Wash., Wis., Wyo.

  6. 5. Let This Free Financial Plan Save You up to $3,500/Year

    Having a financial plan is one of the smartest decisions you can make for your future. It’ll help right the wrongs you’ve made and get you on a path toward a richer life. 

    But only people making six figures can afford a personal advisor to analyze their finances and give them personalized recommendations, right? 

    Wrong. 

    A company called Anasova uses AI software to replace those expensive sessions with financial advisors. It takes less than 10 minutes to answer some questions about your money habits and goals, then you’ll get a super-personalized PDF outlining what you need to do to reach them. 

    You’ll also get a custom FinTech Guide to help you find the best FinTech partner to get you going on your financial journey.

    Even better? Anasova’s financial plan is completely free — and totally anonymous. You don’t even have to give them your email address. They won’t bombard you with ads or sell you other products, either. 

    There’s no catch; Anasova was built by one of the nation’s top wealth management executives who wanted to make it easier for everyone to get access to financial management — not just the rich.

    Now you can get access to custom financial advice — even if you’re not a millionaire. Just click here to answer a few questions and get your free financial plan from Anasova now. It could save you thousands.

  7. 6. Freeze Your Credit Cards

    A young woman lays on the grass next to a lot of different credit cards.
    Tina Russell/The Penny Hoarder

    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.

  8. 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.

  9. 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.

  10. 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.

  11. 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.

  12. *Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access, [See Licenses]). Lines of credit issued by Cross River Bank, Member FDIC, or Tally Technologies, Inc. ("Tally"), as noted in your line of credit agreement. Lines of credit not available in all states.

    Loans made by Tally pursuant to California FLL license or other state laws.

    To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. Based on your credit history, the APR (which is the same as your interest rate) will be between 7.90% - 29.99% per year. The APR will vary with the market based on the Prime Rate. Annual fees range from $0 - $300.

    *Based on October 20, 2021 Bankrate.com weekly national average interest rate for savings accounts survey of 0.06% APY 

    **Annual Percentage Yield effective as of 9/1/2020 and subject to change. 3.00% APY available on all Auto-Save balances. Maximum contributions of up to $1,000 per month for paycheck Auto-Save and no maximum contribution for card Auto-Save. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.

    This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own financial, legal, and tax advisors before engaging in any transaction. Information, including hypothetical projections of finances, may not take into account taxes, commissions, or other factors which may significantly affect potential outcomes. This material should not be considered an offer or recommendation to buy or sell a security. While information and sources are believed to be accurate, MoneyLion does not guarantee the accuracy or completeness of any information or source provided herein and is under no obligation to update this information. For more information about MoneyLion, please visit https://www.moneylion.com/terms-and-conditions/.

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    1 Consumer Financial Protection Bureau 2017.

    *See viobank.com for more details