This 12-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: 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.
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 3: Let This Card Help Fund Your Down Payment or Pay Down Your Mortgage Faster
If you’re looking to buy a home – or you already have a mortgage – you’ve probably “been good” and checked all the right boxes. Saving for a down payment. Watching your credit score. All that good stuff. But with today’s inflation and high interest, you might feel like being “good” still isn’t enough.
We’re here to tell you, don’t stop what you’re doing. But maybe consider switching up how you’re doing it.
The Rocket Visa Signature® Card can help you fund your down payment or help pay down your mortgage faster just by going about your everyday shopping.1
Right now, you’ll also get an extra $200 welcome bonus when you spend $3,000 on your Rocket Card. 2
You’ll earn up to 5% cashback that you can use towards your down payment and closing costs when you use Rocket Mortgage®.3 If you own your home through Rocket, you can get 2% cashback towards your mortgage balance.4
If you have a mortgage with Rocket, the card’s $95 annual fee is waived.5 If you don’t have a Rocket Mortgage, you redeem cashback to put towards closing a new Rocket Mortgage or a statement credit.
Ready to add another good thing to your life? It takes just two minutes to apply for the Rocket Card and there’s no impact on your credit score for finding out if you’re preapproved.6
All Rocket Visa Signature Cards are powered by Deserve and issued by Celtic Bank. Visa is a registered trademark of Visa Inc. The card may be used everywhere Visa is accepted. Subject to credit approval.
Day 4: Earn up to $200 every time you win playing Bingo
There’s a free iPhone app called Bingo Cash that pays you up to $83 every time you win bingo.
The game is based on a classic Bingo format — plus tons of entertaining 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. You can play free practice games or enter tournaments for as little as $1. Plus, get a $5 bonus to use toward tournaments when you add $10 to your account. 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). Wanna get a headstart on other players?
Just start here to claim your $5 bonus match when you add $10.
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: 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 to get an in-depth review of your finances and plan your next money moves together with confidence.
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 7: Earn 4.35% 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 0.46%.
But there’s actually a way to grow your money 17 times faster — completely risk-free.
When you sign up for a Capital One 360 Performance Savings Account, you’ll earn 4.35% 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 savings account only takes a few minutes. After that, you can sit back and watch your savings grow with 10 times the average interest.
Day 8: $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 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: Earn Up to $750/Year And Maximize Your Credit Card Rewards with This Free Browser Extension
We all love earning credit card rewards, but most of us don’t have the time or energy to compare and keep track of which card will provide the maximum rewards for every purchase.
That’s where Kudos steps in. It’s a free browser extension that boosts your credit card rewards by always using the best card for every online purchase. The best part? The average user can earn over $750 per year.
Here’s how it works: When you’re ready to make an online purchase, Kudos automatically calculates all your credit card rewards and benefits, then picks and autofills the best card, so you earn the most rewards from the purchases you were going to make anyway.
Kudos supports over 3,000 cards and works with over 2 million online merchants. And if that wasn’t enough, Kudos will double your rewards when you shop at over 15,000 “Boost” merchants that partner with Kudos. In fact, right now for a limited time, you can earn a 2000 Boost after your first eligible purchase.
And if you’re worried about your privacy, Kudos will never sell or share your data with any third parties. Plus, your personal and credit card info is kept safe and secure with enterprise-grade compliance and bank-level encryption.
Don’t just shop online — earn more rewards with every transaction. Download the Kudos browser extension today after your first eligible purchase.
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 EarnIn.com/TOS 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 EarnIn.com/TOS for details.
- Customers earn 5 points for every $1 spent. Points are redeemable towards a new Rocket mortgage transaction (excluding refinance), an existing Rocket mortgage additional principal payment, or a statement credit, at different values. Subject to Cardholder Rewards Terms of Use.
- Rocket Visa Signature Card Spending Bonus: you will receive a $200 statement credit after you spend $3,000 on eligible purchases, which must be made in the first 90 days your account is open. Eligible transactions exclude refunds and disputed charges. In order to receive the spending bonus after qualifying, your account must be in good standing at the time of fulfillment. If at any point after the eligible spend period, it is determined that spend was insufficient to meet the threshold, we may cancel the statement credit and add the value back to your principal owed.
- Up to $8,000 in card points value can be redeemed towards a new Rocket Mortgage transaction, applied as an asset to the applicant’s closing statement, offsetting applicant required funds to close. Not available in conjunction with Third Party originated or Charles Schwab partner loans. These points may be combined with an additional $2,000 in engagement points which will apply as a Lender Credit. Subject to Cardholder Rewards Terms of Use.
- Redemption available toward additional principal on existing retail Rocket Mortgage loans. Not available for third party originated, assumed or Charles Schwab partner loans. Not available if servicing for your loan is sold to another party. Subject to Cardholder Rewards Terms of Use.
- Rocket Card, LLC charges a $95 Annual Fee for use of the Rocket Visa Signature Card, which will be waived for customers that have an existing mortgage serviced by Rocket Mortgage, LLC. The amount and terms of the Annual Fee are included in your Cardholder Agreement. Similarly, Rocket Card, LLC reserves the right to offer bonuses and benefits and the terms of any offer will be provided separately. The APR range for the Rocket Visa Signature Card can be found in the Cardholder Agreement.
- Preapproval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit. Submitting for a preapproval is how you find out if you may be eligible for a Rocket Visa Signature Card without impacting your credit score. If your application is approved, accepting the offer will result in a hard credit pull which could impact your credit score.