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: 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 2: Get $200 When You Slash Your Home Internet Bill to as Little as $40/Month

There are some bills you just can’t avoid. For most of us, that includes our internet bill. You can’t exactly go without it these days, and your provider knows that — that’s why so many of us are overpaying.

But with T-Mobile, you can get high-speed, 5G home internet for as little as $40 a month. They’ll even guarantee to lock in your price.

You’re probably thinking there’s some catch, but they’ll let you try it out for 15 days to see if you like it. If not, you’ll get your money back. You don’t even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees.

Even better? When you switch now, you’ll get $200 back via prepaid MasterCard.

Just enter your address and phone number here to see if you qualify. You could be paying as low as $40 a month for high-speed internet.

Day 3: 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 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. 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: The Home Equity Credit Card that Traditional Lenders Don’t Want You to Know About

As a homeowner, sometimes it feels like your options aren’t great when it comes to borrowing credit.

You can either use credit cards that are quick and easy to qualify for but that usually have sky-high interest rates, or, you can go through the long and costly process to originate a lower-interest Home Equity Line of Credit (HELOC).

Or, there’s a brand new third option: The Aven Visa® Credit Card is the first card of its kind to offer you a home equity line of credit in the form of a credit card.¹

This cash back rewards card taps into your home equity in exchange for up to 50% lower interest rates compared to traditional credit cards. It takes as fast as 15 minutes to apply and get approved.

Here are some features that set Aven apart from your traditional credit cards and HELOCs:

• 7.99% to 15.49% variable APR²
• 2% unlimited cashback¹
• 7X Points on Hotels and 2X Points on Flights¹: Book stays at the Four Seasons, Ritz Carlton, and more through the Aven Travel Portal.
• Access of up to $250,000
• Starting at $0 to get a card, plus no annual fees

So, if you’re a homeowner looking for lower-interest credit payments with cashback rewards, apply and get approved in as fast as 15 minutes for the Aven card — at zero cost to you.

You’ll need to own a property and have a FICO score of at least 640. They recommend FICO > 700 to have the best chance to qualify.¹

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 7: 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 8: Earn 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 for a regular savings account.

There is no minimum deposit to open and maintain your account, and you’ll never pay monthly or maintenance fees.

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 Performance Savings Account only takes a few minutes. After that, you can sit back and watch your savings grow.

 

 

Day 9: See If You’ve Been Paying for Someone Else’s Mistakes

Be generous, but not this generous. If you haven’t looked into spotting and fixing issues on your credit report, you’ve been paying for someone else’s mistake.

Is your payment history accurate? Is your account balance accurate?

Lexington Law Firm can review your credit report with you and help fix most mistakes they find

Their attorneys and paralegals can file disputes on your behalf and protect you against shady credit reporting processes. 

You only need to put a card on file to see how they can help you.

So, if you’re tired of paying for mistakes you don’t even know about, ask Lexington Law Firm to review your credit report and fight for you.

Day 10: This App Can Help you Build Wealth – Even if You’re Broke

You already have a job, so investing your money shouldn’t feel like working overtime. And why’s there so much jargon? And hidden fees? And minimum deposits?

It’s almost like they don’t want non-rich people to invest with them.

A company called Moby can help you build wealth through the stock market without requiring a $10k investment or using industry jargon to discourage people who work for a living.

Here’s the rundown: You can potentially earn 12% on whatever you invest with Moby. And a subscription to their plain-language insights and recommendations only costs about $8 a month.

Whether you want to learn the market or just grow your money, a Moby subscription arms you with as much or as little information as you want:

• Morning newsletter and end-of-day report
• The Flagship podcast and audio/video reports
• Market reports
• Online courses to learn more about trading
• Hedge fund tracker
• And much more

This could be the money-making opportunity you’ve been looking for. So, jumpstart your investing journey with a Moby account and start growing your money for $8 and change per month.

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: Let This App Cover You Up to $250 (with No Interest)

Even small financial missteps can have painful consequences. Anyone who’s ever had an overdraft fee can tell you that.

That’s why we like a money app called Cleo. It can cover you up to $250 to avoid overdraft fees.* There is 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 “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 million users, 4.6 out of five stars, and over 80 thousand reviews in the app store. Signing up only takes two minutes.

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

*Eligibility requirements apply

Disclosures:

*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.

*¹Other banks have used access/debit cards as a means of withdrawing money from a home equity line, Aven’s card is unique in that the credit card is the primary source of funds and function. It is the first credit card backed by home equity to publicly launch into the market.

The Aven Card is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page) For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov.

This post was sponsored by Aven. See aven.com/#disclosures for more information.