This 12-Day Savings Challenge Is Going Viral By Making People Richer

Benjamin Franklin's head is on a person's body. The person is wearing a red suit with $100 bills floating all around him.
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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: 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 2: 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.

If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them 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 3Earn 4.25% Interest on Your Savings and Still Access Your Money Any Time

You’ve been with the same bank for years, and how do they repay your loyalty? With a measly 65 cents in earned interest every year.

And you’re not alone. The national average interest rate for savings accounts is just 0.47%.

But there’s a way to grow your money 9 times faster than the national average—completely risk-free.

When you sign up for a Capital One 360 Performance Savings Account, you’ll earn 4.25% APY on your account balance. Just to be clear, that’s almost 10 times the national average on a regular savings account.

There’s no minimum deposit to open and keep your account. And you’ll never pay any monthly or maintenance fees, either.

You also don’t need to worry about accessing your savings—you can withdraw your money at any time with no penalties. Plus, all your money is FDIC-insured, which basically just means it’s super safe.

Signing up for your Capital One 360 Premier Savings Account only takes a few minutes. After that, you can sit back and watch your savings grow.

Day 4: Grow Your Money 125x Faster — Without Playing the Stock Market

Why does it feel like you need to have multiple thousands of dollars on hand to access any legit investment opportunities? You know, the ones only the ultra wealthy get to use? It’s not fair.

Well, a company called Compound Real Estate Bonds is actually leveling the playing field for the rest of us — it can grow your money at a fixed 8.5% annual compound yield — that’s 125x  times faster than the national average). The best part? You only need $10 to start investing.

This simple app gives everyone — not just the 1% — access to high quality real estate bonds. No crypto, no stocks, no NFTs. Why? Because real estate is one of the largest and most stable alternative assets around.

There are no fees and no fixed terms. Seriously, you can withdraw your money at any time.

Sign up for your free account to start earning a fixed 8.5% yield, then sit back and watch your investment compound daily.

Day 5: Stop Paying Your Credit Card Company

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 $100,000 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 6.40% 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.

Day 6: $10K or More in Debt? Most People Don’t Realize This Option Exists

You’re not an extravagant spender. That’s why it feels so surreal to be in so much debt.

But with higher inflation and rising costs of everyday purchases, so many of us have had to rely more and more on credit cards just to keep up with just our basic needs.

The good news is, a company called National Debt Relief wants to help by negotiating with your creditors to resolve your debt.

If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts can set you up with a realistic timeframe and payment plan that works for you.

As your monthly payments with the National Debt Relief program add up, they’ll negotiate with your creditors to settle your accounts. You will have to pay a percentage of debt settled, but it’ll still be way less than your original debt.

On average, you could resolve your debts in as little as 24 to 48 months.

National Debt Relief is one of the largest debt settlement companies in the nation, and has already helped more than 500,000 people.

Find out what your best options are for taking control of your debt and re-establishing your financial stability. It only takes a few minutes to sign up for a free consultation.

Day 7This AI App Can Show You How to Invest Smarter — Get Up to $210 in Free Shares

We all want to grow our wealth. And we’re doing all the right things — we invest, we have retirement accounts. There’s just one problem: Many investors unknowingly pay too much for their funds.

For example, one of the most popular emerging market funds has seven times higher fees compared to a newer, almost identical fund with significantly higher returns from the same asset manager.

Here’s the good news: An AI tool called Magnifi can link your brokerage and retirement accounts, perform a full analysis of everything you’ve invested, and start uncovering opportunities you didn’t realize were possible. Right now for a limited time, you can get up to $210 in free stock when you set up an account.

Magnifi uncovers these opportunities automatically, and shares them with you as soon as you link your accounts.

The more accounts you link, the more Magnifi can find and help you manage — including 401(k)s, IRAs, individual stocks and ETFs held in almost any brokerage. Basically, working with this kind of AI could save you hundreds or thousands of dollars by finding opportunities to reduce fees.

Want to see what opportunities you’re missing with your investments? Penny Hoarder readers can try Magnifi free today — get started here. Plus, sign up now and get up to $210 in free shares for a limited time.

Day 8: Have 10K+ In Investments? This Free Financial Plan Could Save You Up to $3,500/Year

You feel like you’ve always been on top of your investments, and you’re proud of how far you’ve come. But you may still be wondering if you’re actually doing enough to fully secure that rich retirement you know you deserve.

That’s why having a financial plan in place is one of the smartest decisions you could make.

With The Penny Hoarder, you can get a customized financial plan for free. Anyone is eligible for a free financial plan, but if you have $10,000 or more in investments (or $200,000 if you are retired), you could qualify to connect with a personal financial advisor for an in-depth review of your finances and to confidently plan your next money moves.

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. Get your free financial plan here.

Day 9: 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 10: Let This App Spot You Up to $250 (with No Interest)

Even small financial missteps can come with painful consequences. Anybody who’s ever had an overdraft fee can tell you that.

That’s why we like a money app called Cleo — it can spot you up to $250 to avoid overdraft fees.* No interest, no credit check and no direct deposit required.

Cleo is a cheeky chatbot that’s also programmed to help track your spending and crush your bad money habits before they get serious. Cleo can round up your purchases to the nearest dollar and save the difference, or to “fine” you for overspending at Target. Whatever saving technique you choose, she’ll automatically transfer that money into your savings account each week. Just sit back and watch your savings grow.

Cleo has more than 5+4 million users and has 4.6 out of five stars with over 80 thousand reviews in the app store. Signing up only takes two minutes.

Get the app and let it spot you up to $250* when you need it, so you never have to pay an overdraft fee again.

*Eligibility requirements apply

Day 11: Access Up to $750 of Your Paycheck Before Payday

You’re putting in the hours at your job, but waiting to get paid every two weeks means you can’t pay the bills until your paycheck hits. It’s infuriating.

Wouldn’t it be easier if you could get paid as soon as you earned your money? You’d have the financial flexibility to pay bills on time, have gas money for work, and even build an emergency fund.

You can! With an app called EarnIn, you can get early access to your pay. You don’t pay interest and there aren’t any mandatory fees — you can access up to $750 per pay period*.

To get started, simply link your bank account to verify you’re employed with a consistent paycheck, and then you’re good to go. You can transfer up to $100 a day (or up to $750 per pay period) to your linked bank account. When your payday comes, whatever you transferred from EarnIn is automatically repaid, plus optional tips and fees. You won’t be charged any interest, and there are no mandatory fees**.

Over $15 billion in earned wages have been accessed through EarnIn, helping countless hard-working people bridge the gap between pay periods without resorting to debt.

End the paycheck-to-paycheck grind. Download the EarnIn app today and access your hard-earned money when you need it the most.

Day 12: 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. Right now, when you add $10 to your account, Solitaire Smash will give you a $5 bonus to use in cash tournaments plus 1,000 gems.

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.

Want to see if you can turn $10 to $107 in your free time? Just download Solitaire Smash to get start playing and see how much money you can win.

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.

*EarnIn is a financial technology company, not a bank. Subject to your available earnings, Daily Max and Pay Period Max.Restrictions and/or third-party fees may apply, see for details.

**EarnIn does not charge hidden fees for using its services or interest on Cash Outs. Restrictions and/or third-party fees may apply; see for details.