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: Invest in Real Estate Without the Volatility — You Only Need $500

You’re not the only one who daydreams about making money in your sleep. Investing in real estate is one of the best ways to earn passive income. The only problem? You need to have lots of money.

Well, you used to…

With a company called Connect Invest, you can get your foot in the door for just $500, investing in what are called short notes. And, if you make your first investment before December 31st, you can earn a $20 bonus.

Basically, you’re buying the debt that wealthy developers take on to fund their real estate projects — and they have to pay you back, with up to 9% (annualized rate) in interest… while you sleep.

With Connect Invest, you’ll invest for terms of 6, 12, or 24 months, during which you’ll receive monthly fixed-interest payments between 7.5% and 9% (annualized rate). You could earn a legit passive income with those rates — and it’s way higher than what you’d earn with your savings account!

Connect Invest carefully vets each real estate project and borrower. And don’t worry, all loans are backed by real estate collateral. In the rare event of a default, Connect Invest’s sister company will foreclose on the property with the investors’ approval and sell it to recover your investment.

It’s super easy to set up your free account and start investing. To earn your $20 bonus, select “Penny Hoarder” as a referral source and apply promo code “PH20.”

Day 2: 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. 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 3: 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 4: 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 5: Add an Extra $300 to Your Account Just By Making Qualifying Deposits

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?

PSECU will give you $300 after just a few months of keeping your money there* That’s $300 just for banking normally.

Opening a checking account is free, and there’s no minimum deposit or fees. Plus, there are 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 ends Dec. 31, 2024 ).

**Your first $200 is available when you sign up with promo code RightNote and set up a direct deposit of at least $500 monthly. You’ll get another $100 if you maintain the minimum direct deposit amount for three months in a row.

Day 6Access 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 7: Cut Your Unlimited Phone Bill in Half (without Compromising on Quality)

Smartphones. We all have ‘em, we all need ‘em. But it’s still pretty annoying when a huge chunk of your monthly budget goes straight toward phone bills.

Here’s an idea: a budget-friendly cellular service called Visible offers two plans with unlimited talk, text, data, and hotspot usage on Verizon’s award-winning networks — starting at just $25 a month.

You can choose from the Visible plan for $25 a month, or the Visible+ plan for $45 a month that comes with faster hotspot speeds, an additional smartphone service, and a complimentary Global Pass. No hidden fees and no contract necessary.

Visible carries the latest devices from Apple, Google, Samsung, Motorola, and more. When you switch to a Visible plan, you can use the trade-in value of your phone towards a new one!

Ready to free up some room in your monthly budget? Switch to Visible today and start enjoying your unlimited plan at a fraction of the cost

Day 8: Over 10K In Debt? Drop Your Monthly Payments by Over 40% (And Pay It Off Faster, Too)

When the mailbox is crammed with overdue notices and creditor demands, the pressure to overcome your debt can seem crushing.

Americor Debt Relief can help you settle your debt for way less than you owe and faster than you might think. No bankruptcy, no loans, and no need to have good credit. To qualify, you’ll need at least $10,000 of unsecured debt (think credit card bills, personal loans, medical expenses, etc.), and your annual income should be over $12K.

Americor’s seasoned experts will go to bat for you with your creditors, aiming to cut down the amount you owe. After that, your reduced amount of debt is consolidated into a single monthly payment. On average, monthly payments are reduced by over 40% and can be paid off within 24-48 months.

Americor is accredited by the American Association for Debt Resolution and the BBB. And with 15+ years in the business, it’s helped more than 200,000 people pay off over $1 billion in debt.

Don’t wait, take a decisive step towards reclaiming your financial independence and living the life you want. It only takes a minute to apply and receive your free debt relief plan.

Day 9This 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 10: Protect Your Household from System & Appliance Breakdowns — and Save BIG!

It’s possible your fridge or HVAC system could turn on you at any moment, and there’s nothing your homeowner’s insurance would do to protect you.

Besides, would you really want to wait on insurance to get around to begrudgingly sending out help?

Choice Home Warranty’s plans deliver rapid response times for household repairs. Service is available 24 hours a day via their app, website, or phone.

A small monthly fee protects your washer, dryer, HVAC system, stove, fridge, and more—things your insurance company won’t. 

And not to keep bashing your awesome homeowner’s insurance, but these home warranty plans cost way less and could save you much more money than insurance.

Choice Home Warranty has protected more than 2 million homes from having to cancel plans or lean on credit cards. With a network of over 25,000 insured technicians, help is never far away.

Learn how you can get a Free Quote. Just take this 30-second quiz to learn how much coverage you need to protect your finances from appliance repairs.

Day 11: Homeowners: Get Cash In as Little as 3 Weeks — Without Selling or Taking Out a Loan

So you’re a homeowner, and you need money — maybe a lot of money. Many of us are in that same boat these days.

Here’s the thing: If you’ve owned your home, apartment or condo for a while, it’s probably gone up in value. And a company called Hometap can help you tap into it — without selling your home or taking out a loan.

It invests between $15,000 and $600,000 in your home — and gives you a lump sum of money in exchange for a cut of its future value. This can be your primary home, a rental property or vacation home.

You’re not taking out a loan, so there’s no monthly payments. Instead, when you settle your investment, Hometap gets an agreed-upon percentage of the new home value.

You have 10 years to settle, and you can do whatever you want with the money — pay off debt, fix your roof or go back to school. You can have money in-hand in as little as three weeks. After you close on the investment, your funds are wired within a matter of days.

To get started, request a quick online investment estimate to find out if this is a good fit for you and your property. You’ll need a credit score of at least 500 to qualify.

Day 12: 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.

*Eligibility requirements apply

*Users must meet certain suitability standards pursuant to the Connect Invest II Offering Circular and make an investment on or before December 31, 2024. Investors will receive their $20 bonus with their first interest earnings.

Past performance does not guarantee future results or success. The material contained herein does not constitute an offer to sell or a solicitation of any offer to purchase these securities, nor shall there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful.

*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.