If Your Rent is More Than $1,200/Month, Make These 4 Moves
If you’re paying more than $1,200 a month in rent by yourself, that means two things:
- It stinks to pay that much rent, and
- You’ve clearly got some income. Not everyone can afford that kind of rent.
So you’re making money and living in a decent place. You’ve finally got a little cushion in your bank account. You’ve achieved a certain level of financial stability.
What should you do next? Well, we have some suggestions for you:
1. Ask This Website to Pay Your Credit Card Bills This Month
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. 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 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
AmOne won’t make you stand in line or call your bank, either. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could help you pay off your debt years faster.
2. Add up to 300 Points to Your Credit Score
You’re doing pretty good. You’ve got a decent place to live, you make your rent payments — you’re not overly concerned with your credit score. In fact, you might not think much about it at all.
But what happens when you want to buy a house? Or a car? Even a five-point difference in your credit score could make a huge difference. That’s why it’s important to keep tabs on your credit score, which you can do for free through Credit Sesame.
James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.
If you want to make sure your credit score is in tip-top shape, Credit Sesame will help. Just sign up for an account — it takes 90 seconds — and Credit Sesame will outline exactly what you need to do to give your credit a boost.
3. This App Pays Cash When You Win Solitaire on Your Phone
Chances are, you’ve played your fair share of Solitaire. It’s a great time-killer and a good mental challenge. The only thing that could make it better? Winning money for it.
The Solitaire Cube app lets you do just that. This free app lets you play the classic card game you already know and love, plus it matches you with players at your same skill level, so you can go head-to-head in tournaments where you can win real money. Plus, the games are quick — just two to five minutes each, and you can play them anywhere.
One Solitaire Cube player, Amanda, even won about $6,000.
“When I actually started winning money and earning prizes, I was blown away,” she says.
Here’s how it works: Download the free app and create an account. Then you can play some free practice matches to get the hang of things or learn to play, if you don’t know how. Then, when you’re ready, Solitaire Cube will match you with other players. Beginners play beginners; experts play experts.
The app itself is free to download, but if you want to play for money, you’ll need to deposit some money first. You can deposit as little as $2 to start via PayPal, credit card or Apple Pay. Then you can play head-to-head, in large pools and live tournaments — some of these tournaments have paid out prizes as big as $350,000. If you win, you can cash out instantly.
Win or lose, you always receive “ticketz,” which you can redeem for cash or prizes like Amazon gift cards, 65-inch TVs or even a BMW or Porsche. The Solitaire Cube app has an App Store rating of 4.6 out of 5, and it takes just a few minutes to download the app and play your first game.*
*Unfortunately, you can’t play for money in the following states: Arkansas, Arizona, Connecticut, Delaware, Indiana, Louisiana, Maine, Montana, South Carolina, South Dakota or Tennessee. However, in those states, you can still play for fun with the game’s virtual currency.
**Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.
Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.