This 11-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 10 days — to get your finances under control:

Day 1: Boost Your Bank Account By Playing Bingo

Lots of us already play games on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Bingo Cash  that pays you up to $83 every time you win bingo.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $83.

Over on the App Store, it has a 4.7-star rating (out of 5).To get started, just download the free app  and start playing your first game immediately.

Day 2: Let This Account Give You $300 Just for Keeping Your Money There

Your money keeps your bank running. You’d think they’d be grateful for that. But for-profit banks are always coming up with creative ways to squeeze more out of you.

Credit unions do things differently, because they’re owned by members.

For example, a national credit union called 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.*

There’s no minimum deposit or fees to open a free checking account. Plus they have more than 70,000 surcharge-free ATMs, rebates for non-network ATMs and no-fee overdraft protection if you have a backup source of funds.

Credit unions sometimes have waitlists, but PSECU doesn’t right now. Need an extra $300? It’s quick and easy to apply to join PSECU right now.

Day 3: Let This Company Cut Your Bills by $900/Year

It’s frustrating to know that most of us are overpaying on our bills. But with a lack of transparent pricing, large service providers and corporations can basically charge whatever they want, and increase prices whenever they want.

But a company called BillTrim wants to even the playing field. Using proprietary technology and a team of expert negotiators, BillTrim will negotiate to lower bills on your behalf — saving you up to $900 a year on bills.

Most companies that offer bill negotiation require a monthly service fee and a 40% cut from any money they save you. With BillTrim, you pay a one-time membership fee of $99, and that’s it. No hidden fees, and no cut from what it saves you, either. In fact, if BillTrim experts can’t save you at least $300, you’ll get your $99 membership fee back. It’s that simple.

Here’s how it works: After you sign up for an account, you can keep track of and pay all of your bills in one place. After that, BillTrim does the rest by negotiating the lowest bill terms on your behalf. You might even see results within a few days.

To qualify for the $300 savings guarantee, you’ll need to link at least three recurring bills to your BillTrim account, and you’ll also need to link a bank account that you’ll use to pay your bills.

BillTrim doesn’t have access to your most sensitive information since all your payments are made through a secure and private payment gateway called Plaid. And any info BillTrim does store, like your account credentials, are heavily encrypted.

It only takes a few minutes to set up your account with BillTrim and start saving on your bills.

Day 4: See If This Website Can Help You Wipe Out Your Credit Card Debt

If you’re carrying around credit card debt, you know how hopeless it can feel. The interest rates alone can make it feel like you’ll never escape.

Meanwhile, your credit card company could care less. They’re getting rich off those sky-high rates, after all.

Luckily, The Rate Chopper could help you start to get rid of all that debt — as soon as a few days from now. Here’s how: The Rate Chopper could match you with a lender and a new loan at a lower interest rate you can use to pay off all your credit card balances. Now you’ll just have one bill to focus on, and with the lower rate, you’ll likely be able to pay off your debt that much faster.

If you have a credit score above 600 and you need to borrow up to $50,000, The Rate Chopper can help you find a loan with rates as low as 5.99% APR.* That’s way better than the 20% or more your credit card is charging you.

It only takes a few minutes to complete the form to get your personalized results —  and checking won’t affect your credit score. Plus, The Rate Chopper keeps your information encrypted and secure.

And if you’re worried you won’t qualify, it’s free to check and see if you match with a lender. It takes just a couple minutes, and it could save you thousands of dollars. Totally worth it.

Day 5: 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.

Day 6: Invest in Multi-Family Real-Estate (Even if You’re Not Filthy Rich)

The uber wealthy 1% have access to exclusive, lucrative real estate investments that seem totally out of reach to the rest of us.

But not anymore.  A company called CalTier lets you invest in commercial real estate — specifically, multi-family apartment complexes across the country — for as little as $500.

Traditionally, you’d need a six-figure income or a million-dollar net worth to invest like this.

Instead, CalTier lets you invest like the big wigs in the real estate world, even if you’re not rich. Investments in multi-family housing have outperformed the S&P 500 for the last 20 years* — and it’s expected to grow another 33% this year alone.

CalTier also gives you a 30 day money-back guarantee. And if you have any questions along the way, you can talk to a real human to get them answered.

Ready to join the ranks of wealthy and institutional real-estate investors? It’s easy to open a free account and get started here.

Day 7: See If This Investing App Could Earn You 38% More 

What are your real financial goals? A better car? A post-pandemic dream vacation? An emergency fund or a college fund? A comfortable retirement?

To reach your goals, you’re going to need to invest and grow your money. If you’re new at investing — or even if you’re not — you should look into an investing app called Betterment.

It’s easy to use; it has low fees; and it does all kinds of important and tricky work for you. Because of all those factors, over the long term, you could earn an estimated 38% more than a typical investor, Betterment says.

Just answer some questions about your age and income, when you hope to retire, and your tolerance for risk. Based on your answers, Betterment’s sophisticated software funnels your investment money into a portfolio of low-cost index funds that track the stock market as a whole.

You can set up auto-deposits to steadily feed your investments. No minimum balance is required. Betterment only charges an annual 0.25% fee, so if you invest $1,000, you pay just $2.50 a year.

Just enter your email address here to get started. It takes just a few minutes, and you could be on your way to hitting your goals — and earning 38% more on your investments.

Day 8: Don’t Leave Money on the Table — Let This Company Find and Roll Over Your Old 401(k) (For Free)

Did you know there are more than 24 million abandoned 401(k)s in the U.S.? Even more shocking — an old or forgotten 401(k) could cost someone up to $700,000 in foregone retirement savings.

Imagine losing hundreds of thousands of dollars just because you didn’t roll over a 401(k).

The truth is, most of us don’t really know the best options for our 401(k)s when switching jobs. One of the smartest options is a tax-free transfer from your old 401(k) to an IRA — but the rollover process can be frustrating and time-consuming.

That’s where a free platform called Capitalize can help. It will find your old 401(k)s, help you compare new IRAs from leading financial institutions, and make sure your old account is transferred correctly to your new IRA. You don’t have to do any of the heavy lifting — they’ll handle the transfer for you.

It only takes five minutes to fill out a form on its site, and then Capitalize financial experts can take it from there — they’ve successfully handled thousands of rollovers amounting to hundreds of millions of dollars.

Regardless of whether you have a traditional or Roth 401(k) plan, Capitalize will make sure your money is transferred quickly and accurately. You can also be sure your data is safe with bank-level encryption — they won’t sell your data, either.

Don’t leave your retirement savings in the dust. Get started here to let the experts at Capitalize help you find the best rollover option for your 401(k) — for free.

Day 9: Get Paid $2,700 to Watch Videos on Your Phone

We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here? 

But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes.

You could add up to $2,700 a year to your pocket by signing up for a free account with InboxDollars. They’ll present you with short video clips to choose from every day, then ask you a few questions about them.

You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $60 million.

It takes about one minute to sign up and start getting paid for your nightly zone-out.

Day 10: 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?

Wrong.

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 11: Become a Competitive Solitaire Player — Make Up to $83 Per Win

Wait, that’s a thing? Yep. An iPhone app called Solitaire Cash lets you play for real cash — up to $83 every time you win.

It’s the classic Solitaire game you know and love, and you’ll battle it out against other players at your same skill level. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments. Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

*Approval and loan terms vary based on applicant qualifications. Not all applicants will qualify for the full amount or lowest available rates.

NerdWallet Compare, Inc. (dba The Rate Chopper) NMLS ID# 1617539

http://www.nmlsconsumeraccess.org/

CA Fin. Lender loans arranged per DFPI, Fin. Lenders Lic #60DBO-74812

*CreditWise: To enroll in CreditWise, you’ll need to be a U.S. resident over 18 with a Social Security number that can be linked to a credit profile from the TransUnion credit bureau.

*Caltier: An offering statement regarding this offering has been filed with the SEC. The SEC has qualified that offering statement, which only means that the company may make sales of the securities described by the offering statement. It does not mean that the SEC has approved, passed upon the merits or passed upon the accuracy or completeness of the information in the offering statement. You may obtain a copy of the offering circular that is part of that offering statement here:

You should read the offering circular before making any investment.

There is no guarantee of success, and there is a potential for loss of your investment.

*https://www.caltierrealtyfund.com/strategy

*Offer valid until 12/31/23