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: Let This Company Help You Find and Compare Top CD Bank Rates

When it comes to finding the best interest rates, most financial institutions hope you’ll take them at their word. Except, the words they use are often intentionally a little vague. 

They can’t all have market-leading rates, right?

CD Valet® is a free service that lets you compare thousands of certificate of deposit (CD) rates from over 4,000 community banks, credit unions, and big banks, too. 

With CD Valet, the process is simple. You can shop and compare top CD rates from different banks and credit unions through one site. Browse their Featured CD section for great offerings and filter CDs by rate, term, or deposit restriction.

Access calculators to help determine your estimated earnings at maturity. When you create a free account, use the CD Portfolio tool to view all of your CD accounts in one place. You can even set up rate and maturity alerts.

CD Valet was developed by bankers and their platform ensures your security with bank-grade compliance.

Ready to separate fact from fiction? See the best CD rates for yourself with a free CD Valet account.

Day 3: 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 4: 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 5: Kickstart Your Kid’s Financial Future — with Just $1/Day

As a parent, you want to do everything to make sure your kids grow up happy, successful — and financially independent. Well, we found something that can help.

Jumpstart your kids’ financial future by opening a UGMA (Uniform Gifts to Minors Act) account with Fabric by Gerber Life. Because the account features compounding returns, you can invest small sums over time that can really add up when your kids come of age*.

You can look forward to penalty-free withdrawals to use on anything that directly benefits your kid — things like shoes, band equipment, and after-school activities. And when they’re adults, they can use the funds for their first home or to start a business.

Setting up an account could take less than 10 minutes, with as little as $1 a day. After that, you can manage your child’s UGMA account and monitor their investments right from your phone.

There are no contribution limits, funds are SIPC-insured up to $500,000, and UGMA accounts come with tax advantages**. Plus, there are no commission fees and just a low, flat monthly maintenance fee—$3/month for one account or $5/month for multiple accounts☨ (that’s a flat $5 fee, no matter how many accounts you open).

Join the thousands of parents who trust Fabric to help protect their families. Open a UGMA account today so your child is ready for what’s next.

Day 6: This 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 7: $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 8: 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 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: 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 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.

 

**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.

*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.

*Fabric by Gerber Life is a brand of Western & Southern Financial Group, Inc., the parent company of Fort Washington Investment Advisors, Inc. 

Investment advisory services tied to the Fabric by Gerber Life platform are provided by Fort Washington Investment Advisors, Inc., an SEC-registered investment adviser. Registration as an investment advisor does not imply any level of skill or training. Custody, brokerage, and clearing services are provided by Apex Clearing Corporation, a registered broker-dealer and member of FINRA/SIPC. As a member of the Securities Investor Protection Corporation (“SIPC”), funds are available to meet customer claims up to $500,000, including a maximum of $250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, contact SIPC at (202) 371‐8300 or visit www.sipc.org. Please consider your objectives before opening an investment account. Investments in securities involve the risk of loss. A diversified portfolio does not ensure a profit or protect against a loss.

*Age of majority varies by state.

** Fabric by Gerber Life and its affiliates do not provide tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.

☨Visit www.meetfabric.com/legal for additional disclosure”