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: Stop Accidentally Overspending — Get This Budgeting App While It’s Only $2/Month
Most of us can rely on that voice in the back of our heads to tell us right from wrong. But when it comes to money, it’s so easy for numbers and enticing marketing to drown it out.
An app called Quicken Simplifi makes it easier to visualize your money, so you can put more of it in the right places and avoid accidentally overspending.
No, this app won’t tell you to save every dollar and avoid spending money on fun things (unless you want it to). But with Quicken Simplifi, you can set your budget exactly how you want.
The app can also alert you when you’re nearing your spending limits, warn you when there’s a bill coming up and report unusual activity. You can also generate custom reports of your spending, savings, earnings and over a given date range.
Right now, you can get 50% off a Simplifi subscription for 12 months — that’s as little as $2 a month, and it’s so worth it for anyone who’s finally ready to start crushing their financial goals.
Tired of going over your budget? Just download the Quicken Simplifi app and take the first step towards better financial health this year.
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: Get a $200 Prepaid Mastercard For Switching to Cheaper Internet
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 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. 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 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 $50,000 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 5.99% 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: This Savings Account Pays 5.50% APY — Good Luck Finding a Better Rate
Ever wonder what your money does when you’re not looking? Well, the answer is not much if you’re saving money in a traditional bank account. It could be earning you so much more interest.
And you’re probably not going to find a higher interest rate than this. We checked.
We just found the Betterment Cash Reserve account. It’s a high-yield savings account that pays a whopping 5.50% APY (annual percentage yield) for new customers.
And no, they don’t try to take money back from you with fees. You keep everything your money earns you. There are no maintenance fees, minimum balance requirements, or limits on withdrawals.
While people worry over the highs and lows of the stock market, money in your Cash Reserve account will keep growing. And it’s federally protected, FDIC insured up to $2 million ($4 million for joint accounts).
If you’re ready to put your money to work for you, open a free Cash Reserve account from Betterment account today.
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 use of its services. EarnIn does not charge interest on Cash Outs. Restrictions and/or third-party fees may apply, see EarnIn.com/TOS for details.