If you’ve ever typed “how do I save money” into a search engine, you know how overwhelming it can be to read through all of the advice. It seems like just about everyone from your bank to your crazy uncle on social media has some wisdom to share.
Well, we can’t call ourselves the Money Geniuses if we don’t walk the talk, right? So in an effort to live up to our name our experts have gathered the top tips and tricks to help you efficiently achieve good financial health.
If you’re feeling overwhelmed after reading this, just pick two tips to start. Get those two into place and then maybe tack on another to-do. You’ve got this!
Who ever thought that the mall would literally be at our fingertips 24/7? While online shopping offers a wealth of benefits to consumers from an endless assortment of merchandise to the ability to price compare in your jammies, no one has the time to open 15 browsers and search for coupons, especially to find that the coupon codes (yes, all seven of them that you tried!) are expired.
Welcome to Capital One Shopping where saving money is virtually effortless. Simply install the free (FREE!) browser extension on your desktop and Capital One Shopping automatically searches for online coupons, better prices, and rewards at over 7,000 online retailers.
Capital One Shopping compensates us when you sign up using links we provide.
If you’re shopping with that boring ole debit card your traditional bank gave you, and not the Aspiration debit card, then you – are missing out.
With the Aspiration debit card, you get rewarded with up to 10% cashback every time you swipe!
Cocktails with friends? Get extra cash!
Enter your email address, and link your bank account to see how much extra cash you can get with your free Aspiration account.
The worst time to realize your credit score needs help is when you need your credit score to be healthy – like when you’re buying a home, signing a lease for a new set of wheels, or sometimes simply applying for a job. Don’t let your credit score surprise you.
Learn where your credit score stands and how to go about tackling it with credit reports and education. Track your credit score anytime. Yep, anytime. Then as if seeing that number go up isn’t a glorious prize on its own, you’ll also get credit cards and loans matched to you.
You get the cash…and all the credit (see what we did there?).
It may seem as elusive as a unicorn, but affordable and dependable auto insurance really does exist. If you’re like most drivers, though, you don’t have it. That’s because most drivers get a quote, decide on a provider, and then don’t look back, but if it’s been more than 6 months since your last quote, you could be spending hundreds of dollars more than you need to on your policy.
Finding better and more affordable insurance isn’t as hard as hunting unicorns, and definitely won’t take as long. You can find out how much you could be saving in less than 30 seconds with just a few clicks:
No one likes to grocery shop (okay, no one under the age of 60 anyway), but what if you could actually earn rewards just for doing your weekly trip to the grocery or for brunching with friends? With Fetch Rewards, you earn points for purchases at stores and restaurants simply by snapping a pic of your receipt with their handy in-app scanner.
Redeem these points for gift cards and start treating yourself to a free latte at Starbucks, a ride to the airport with Uber or a gift card to just about any retailer you can imagine. If you’re thinking to yourself “why haven’t I done this yet”, we feel you.
If there’s one thing that can put an unexpected dent in your finances it’s home repairs. One day everything is fine and the next, well, it’s not. Your A/C stops working or your oven won’t heat up. Repairs like these could cost into the $1,000s.
Fortunately, as a homeowner, you have the option to purchase a home warranty plan anytime after you purchased your home. A home warranty is basically a service contract that covers a major housing system or systems – for example, plumbing or electrical wiring – for a set period of time”. These contracts protect homeowners from high repair costs and cover things like sudden appliance breakdowns and system failures.
Your home warranty can be tailored to your needs and budget. With 24/7 service and a nationwide network of more than 15,000 contractors, you won’t be up a creek when your garbage disposal stops working on game day (it always happens on game day).
How often is a purchase amount exactly to the dollar? Like almost never. And what if you could do something with that leftover $.52 or $06? I mean, it’s pretty much gone at that point anyway, right? What if you could just, I don’t know, invest that money and let it grow? Sounds like a lot of work, right? Well, Acorns makes it super simple by rounding up your purchases to the nearest dollar and automatically adding the difference (taken from a linked spending account) to an Acorns investment account. That money is then invested in a portfolio personalized to your goals and income.
The app costs $1 for balances less than $5,000 and you could easily earn that in a day through your investments. So stop losing your spare change and get started with Acorns today.
Ever wonder how you’re supposed to dip your toe in the investing pool? If you have, you’re not alone. According to a recent survey by Deloitte, less than 30% of millennials hold their wealth in stocks. Why is that, you may ask? A lack of knowledge and how-to is certainly a primary player.
Many folks can’t afford a financial advisor, and if you’re just getting started the truth is you may not need one. The Atom Finance was created to empower rising generations to make informed investing decisions by providing easy, affordable access to in-depth stock research and monitoring.
Check it out for yourself and start bolstering your investment knowledge today.