This 13-Day Savings Challenge Is Going Viral By Making People Richer
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 some simple things you can do — in less than two weeks — to get your finances under control:
Day 1: Earn 110% Higher Interest On Your Savings (One of the Highest Available)
Interest rates at most banks these days are downright pitiful. You’ll be lucky if you earn a quarter at the end of the year.
But an online bank called Vio has one of the highest earning rates you’ll see — 5.30% APY* (Annual Percentage Yield) on your money market savings. That’s 110% higher than the average high-yield savings account.
Not only does it pay well, it also costs nothing to open an account. You just need to transfer at least $100 to keep it open.
Security is also top notch. You can depend on bank-level encryption, FDIC insurance up to $250,000, with the highest level security you can obtain.
There’s a reason why it’s been named the best high-yield savings account by websites like Fox Business, CNet and CNBC. And it has an A+ rating from the Better Business Bureau.
If you’re ready to save smarter and earn more, open a free Vio Cornerstone Money Market Savings Account. Get started here.
*See viobank.com for more details
Day 2: 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 shows you what to do with your money, getting you on a path toward a richer life.
But only people making six figures can afford an advisor, right?
The Penny Hoarder can get you a customized financial plan for free. All you have to do is answer a few questions, and you’ll get your free custom financial plan.
The best part? This could save you up to $3,500 per year. And it’s completely free — and totally anonymous. You won’t be bombarded with ads or sales pitches.
There’s literally no catch. Just sound financial advice, customized for you — no matter your financial situation. Get your free financial plan here.
Day 3: See if You Can Cut Your Credit Card Interest Rate by 70%
Need a little extra cash to pay off credit card debt, remodel your house or to buy a big purchase?
We found a company willing to help.
Here’s how it works: If your credit score is at least 620, AmOne can help you borrow up to $50,000 (no collateral needed) with fixed rates starting at 5.99% and terms from 6 to 144 months.
AmOne 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.
Day 4: This Free Debit Card Gives You Cash Back on Every Purchase
Wouldn’t it be nice if you got special treatment wherever you went? You can actually get rewards wherever you shop, using this free debit card from Discover.
You’ll earn 1% cash back on every single purchase you make using your Discover® Cashback Debit account, on up to $3,000 monthly.* There’s no impact on your credit score for signing up and no minimum balance requirements ever.
Need groceries? Tap your card for cash back. You can also get paid sooner with Early Pay direct deposit, protect against overdrafts and access to over 60,000 ATMs without fees. You can handle all of your banking needs through the app and connect a virtual wallet like Apple Pay to amplify your rewards. And on top of all that, checking-account deposits are FDIC-insured up to the maximum amount allowed by law.
Does your bank do all that? If not, open a free Discover checking account to get special treatment from a bank that will actually put money back into your account.
*See website for details.
Day 5: This Free App Will Give You up to $1K in Free Stock Just for Signing Up and Funding Your Account
Inflation is doing a great job of making it really difficult to buy, well… anything. And that includes stocks.
Luckily, when you open a free SoFi Invest account and fund it with at least $10, they’ll give you free stocks in return — worth up to $1,000.
With SoFi, You can buy full or fractional shares of popular stocks, plus you can invest in exchange-traded funds — or collections of stocks.
If you’re new to investing, SoFi has automated investing tools to help simplify things. Plus, they won’t charge you any SoFi management fees.
It only takes a minute to open a free account and get started. Then, once you fund it with at least $10, SoFi will reward you with your free stock — which could be worth up to $1,000.
Day 6: Let This Account Give You $300 Just for Keeping Your Money There
Here’s the deal: If you’re not banking with a credit union called PSECU, you’re missing out on extra cash. And who doesn’t want extra cash right now?
Yep. PSECU will give you $300 after just a few months of keeping your money there.
They’ll pay you $100 when you sign up, another $100 when you set up direct deposit within 90 days of opening your account, and another $100 when you keep direct deposit active for three months.*
It’s free to open a checking account, and there’s no minimum deposit or fees. Plus they have more than 70,000 surcharge-free ATMs and rebates for non-network ATMs. You’ll also get no-fee overdraft protection if you have a backup source of funds.
Credit unions sometimes have waitlists, but PSECU doesn’t right now. Apply to join PSECU here and start earning your $300 in free cash.
*Offer valid until 12/31/23
Day 7: This Company Could Knock Thousands of Dollars Off of Your Debt
So, they say they don’t jail people for debt anymore. True, but mounting credit card debt can feel like wearing an ankle monitor every day.
You’re not alone if debt is restricting your financial freedom.
If you have more than $20k in unsecured debt — things like medical bills, credit card debt, loans and more — a company called JG Wentworth could potentially knock thousands of dollars off your total.*
A JG Wentworth negotiator can work directly with your creditors on a settlement to reduce your total debt, allowing you to pay it off much faster.
It’s completely free to figure out your custom debt relief plan with a certified debt specialist from JG Wentworth. All you have to do is tell them a little bit about your situation and they’ll tell you how much they could settle your debt for if you decide to enroll in their program.
Nothing is final without your approval. JG Wentworth negotiators will work on a settlement with your creditors. If you agree to the plan, you’ll pay off the settlement using funds that you have placed in a dedicated savings account.
Ready to regain your freedom to travel and buy the things you want again? It’s free to find out how much of your debt you can resolve today.
Day 8: Own Slices of Fortune 500 Companies, Invest in Music Royalties and Other Assets
Can you believe it? Most new millionaires didn’t inherit their wealth. Still think it’s too late for us 9-to-5ers to build real wealth and comfort?
These new money millionaires invest in different ways and some invest in different types of stocks, which can be pricey if you don’t have much money to invest in the beginning.
We found an app called Public, which is free to download, that lets you own slices of stocks, so you can invest in companies without having to pay for an entire share — that makes it easy to invest in more than one thing.*
And now you can even diversify by owning slices of the Shrek Franchise Original Music, which includes over 700 songs. You may earn royalties anytime Shrek movies are streamed, aired or used at theme parks.
It takes just minutes to download the app and open an account.
Day 9: Add $500 to Your Wallet for Trying Out Apps
Our smartphones are the world’s greatest time-killers. You can browse Facebook; play a game; download a new app.
You’re doing all this anyway — why not get paid for it? With a website called KashKick, you could get paid for things like answering survey questions or downloading and playing a game — up to $500 in your first month.
You can earn money by playing games or trying new products and services, but surveys are the main way to make money.
Once you earn $10 in your account, you can immediately get paid via Paypal. This is an easy way to make a little extra money while you’re killing time on your couch. All you need is your phone or computer.
It takes just a minute to sign up, and you’ll immediately earn $1 just for completing your profile on the site. You’ll be that much closer to cashing out.
Day 10: Earn Up to $300 When You Direct Deposit With This Account
If you bank at a traditional brick-and-mortar bank, your money probably isn’t growing much (c’mon, 0.4% is basically nothing).
But there’s good news: SoFi Checking and Savings has one of the most competitive annual percentage yields (APY) we’ve found for a checking account. You can earn a hefty 4.60% APY on savings balances if you set up direct deposit and 1.20% APY on checking balances — that’s 11 times more than the national average.*
You can easily deposit checks via your phone’s camera, transfer funds and get customer service via chat or call. And there are no account fees, no monthly fees and no overdraft fees.* And your money is FDIC insured (up to $2M through the SoFi Insured Deposit Program).
Ready to grow your money faster? It’s quick and easy to open an account with SoFi Checking and Savings. Right now, you can even earn up to a $300 welcome bonus with qualifying direct deposits (terms apply).*
Day 11: Earn up to $107 Per Win Playing Solitaire on Your Phone
There’s nothing wrong with killing a little free time on your phone. A lot of us pull up a mobile game on our break, on the couch or on long drives. But we found a game that will actually pay you to do it.
A free iPhone app called Solitaire Smash will pay you up to $107 per win just for playing Solitaire online.
It works just like the card game you already know, but it adds a timer to mix, and you’ll play against other players at your same skill level. The top three players win a prize. You can play casually for gems or compete for real money prize pools — up to $107 per win. Plus, they have a 4.9 star rating on the App Store.
Ready to earn some money in your free time? Just download Solitaire Smash to get start playing and see how much money you can win.
Day 12: Cancel Your Car Insurance
You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix.
Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $996 per year.
Just tell them a bit about yourself and your vehicle, and they’ll show you personalized quotes so you can compare them all and find the best one for you.
Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.
Day 13: This Free Tool Finds The Perfect Credit Card for Your Needs — And You’re Already Qualified
Credit card companies will court you the old-fashioned way, loading your mailbox and inbox with offers for all sorts of credit cards. It’s just marketing to them, but it’s a huge hassle to apply for cards you don’t even qualify for — not to mention the impact it could have on your credit score.
There’s a better, more modern way to find the perfect credit card — it’s called Credit Sesame. Its card-match tool is the perfect matchmaker for anyone looking for the right card.
This tool will analyze your credit profile and show you precise approval odds, so you can apply for your next card with confidence. You can compare your credit card matches by their perks, interest rates, fees and introductory offers — you can even read user reviews about them.
Ready to find the right credit card? Get started here to get matched with the right credit card.
*Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%.
Terms for ‘Claw’ Promotion: https://www.sofi.com/invest/clawpromotion/rules
SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org), (“Sofi Securities”). Clearing and custody of all securities are provided by APEX Clearing Corporation.
3) SoFi Crypto is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.
*Debt resolution program provided by JGW Debt Settlement, LLC (“JGW”). JGW offers this program in the following states: AL, AK, AZ, AR, CA, CO, FL, ID, IN, IA, KY, LA, MD, MA, MI, MS, MO, MT, NE, NM, NV, NY, NC, OK, PA, SD, TN, TX, UT, VA, DC, and WI. If a consumer residing in CT, GA, HI, IL, KS, ME, NH, NJ, OH, RI, SC and VT contacts Us we may connect them with a law firm that provides debt resolution services in their state. JGW is licensed/registered to provide debt resolution services in states where licensing/registration is required.
Program length varies depending on individual situation. Programs are between 24 and 60 months in length. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 51% before JGW’s 25% program fee.
Debt resolution program results will vary by individual situation. As such, debt resolution services are not appropriate for everyone. Not all debts are eligible for enrollment. Not all individuals who enroll complete JGW’s program for various reasons, including their ability to save sufficient funds. Savings resulting from successful negotiations may result in tax consequences, please consult with a tax professional regarding these consequences. The use of the debt settlement services and the failure to make payments to creditors: (1) Will likely adversely affect your creditworthiness (credit rating/credit score) and make it harder to obtain credit; (2) May result in your being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money you owe due to the accrual of fees and interest by creditors or debt collectors. Failure to pay your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors will agree to reduce principal balance, and they may pursue collection, including lawsuits. JGW’s fees are calculated based on a percentage of the debt enrolled in the program. Read and understand the program agreement prior to enrollment.
JG Wentworth does not pay or assume any debts or provide legal, financial, tax advice, or credit repair services. You should consult with independent professionals for such advice or services. Please consult with a bankruptcy attorney for information on bankruptcy.
*Public: Paid endorsement for Public.com.
Fractional shares are illiquid outside of Public and not transferable. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see our Fractional Share Disclosure to learn more.
Diversification cannot ensure a profit or protect against loss in a declining market. It is a strategy used to help mitigate risk.
Brokerage services for US Listed and registered securities offered by Open To The Public Investing, member FINRA & SIPC. Open to the Public Investing does not offer Regulation A securities such as royalties.
The issuer, Public Shrek Royalties LLC, is offering Shrek Franchise Original Music in reliance on Regulation A under the Securities Act of 1933 and through the use of an Offering Statement that the Securities and Exchange Commission (‘SEC”) has qualified under Tier II of Regulation A. While the SEC staff reviews certain forms and filings for compliance with disclosure obligations, the SEC does not evaluate the merits of any offering, nor does it determine if any securities offered are “good” investments. The securities offered are speculative, illiquid, and an investor could lose the entire investment. Investors should read the relevant Offering Circular and consider the risks disclosed therein before investing. Brokerage services for Regulation A securities available on Public are offered by Dalmore Group, LLC (“Dalmore”), member of FINRA & SIPC.
In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering, including the merits and risks involved. Regulation A offerings are speculative, illiquid, and involve a high degree of risk, including the possible loss of your entire investment.