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Save Money

This Debit Card Will Give You $25 for Opening a Free Account

Sure, many debit cards offer sign-up bonuses throughout the year, but they often require you to jump through hoops with minimum requirements that feel impossible to hit.

Oh, and if you don’t meet another set of requirements? You’ll get slapped with a monthly maintenance fee. Honestly, at that point? Forget the cash bonus.

Instead of getting wrapped up into that mess, we found an account that makes snagging a $25 bonus super easy.

Here’s how you can be $25 richer just for opening an Aspiration Spend and Save account.

How to Get a $25 Bonus When You Open This Account

We love this account because of the perks, including up to 1.00% annual percentage yield (APY) on your savings, up to 10% cash back on purchases with your debit card and unlimited fee-free withdrawals at more than 55,000 ATMs.

Plus, Aspiration works on a pay-what-is-fair model. You choose to set a monthly tip up to $20 or as low as $0, and you can change it anytime, so you don’t have to worry about those sneaky fees. (Additional services are provided at cost.)

Follow these simple steps to add a $25 bonus to your new account:

  1. Open your Aspiration Spend & Save Account and fund your account with at least $10.
  2. Use your Aspiration debit card to make at least $250 of cumulative transactions within the first 60 days of opening your account. There’s no need to spend extra money — just use your card to buy groceries and pay your utilities.
  3. You’re good to go! Keep your eyes peeled for that $25, which will appear in your account within 120 days.

Note: This bonus is not advertised on Aspiration’s website but available to The Penny Hoarder readers who use this special link.

Now, happy spending — or saving! Luckily, it’s easy to do both with your new account.

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Save Money

This Company Will Give You $100 for Opening a Free Account

Sure, many debit cards offer sign-up bonuses throughout the year, but they often require you to jump through hoops with minimum requirements that feel impossible to hit.

Oh, and if you don’t meet another set of requirements? You’ll get slapped with a monthly maintenance fee. Honestly, at that point? Forget the cash bonus.

Instead of getting wrapped up into that mess, we found an account that makes snagging a $100  bonus super easy.

Here’s how you can be $100 richer this summer just for opening an Aspiration Spend and Save account.

How to Get a $100 Bonus When You Open This Account

We love this account because of the perks, including up to 1.00% annual percentage yield (APY) on your savings, up to 10% cash back on purchases with your debit card and unlimited fee-free withdrawals at more than 55,000 ATMs.

Plus, Aspiration works on a pay-what-is-fair model. You choose to set a monthly tip up to $20 or as low as $0, and you can change it anytime, so you don’t have to worry about those sneaky fees. (Additional services are provided at cost.)

Follow these simple steps to add a $100 bonus to your new account:

  1. Open your Aspiration Spend & Save Account and fund your account with at least $10.
  2. Use your Aspiration debit card to make at least $1,000 of cumulative transactions within the first 60 days of opening your account. There’s no need to spend extra money — just use your card to buy groceries and pay your utilities.
  3. You’re good to go! Keep your eyes peeled for that $100, which will appear in your account within 120 days.

Note: This bonus is not advertised on Aspiration’s website but available to The Penny Hoarder readers who use this special link.

Now, happy spending — or saving! Luckily, it’s easy to do both with your new account.

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Uncategorized

This 7-Day Savings Challenge Is the Perfect New Year’s Resolution

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 seven things you can do — in seven days — to get your finances under control in 2021:

Day 1: Invest $1 in the Stock Market

Take a look at the Forbes Richest People list, and you’ll notice almost all the billionaires have one thing in common — they own another company.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach. That’s why a lot of people use the app Stash. It lets you be a part of something that’s normally exclusive to the richest of the rich — buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as Amazon, Google or Apple, for as little as $1.**

The best part? When these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.

It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus once you deposit $5 into your account.***

Day 2: See if You Can Get More Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on free money. And who doesn’t want free money? 

Yep. A debit card called Aspiration gives you up to a 10% kickback every time you swipe.

Need to buy groceries? Free money.

Need to fill up the tank? Bam. Free money again. 

You were going to buy these things anyway — why not get free money in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

Day 3: Ask This Website to Help Pay Your Credit Card Bill 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 3.99% 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.

Day 4: Cancel Your Car Insurance

When was the last time you shopped around for car insurance? Was it more than six months ago? If so, you’re probably overpaying — by hundreds of dollars. Yep. Experts say you should compare rates twice a year to get the best deal.

That being said, shopping for car insurance is a pain, which is why we like using a free website called Savvy. It helps you find the best rates — in just 30 seconds. In fact, it saves people an average of $826/year.

All you have to do is connect your current insurance, then Savvy will search hundreds of insurers for a better price on the same coverage. It’ll even help you cancel your old policy and get you a refund from your current insurer. Best yet: This is totally free.

If you find a better deal, you can switch right away and don’t have to wait for your next renewal or even your next payment.

Day 5: Add up to 300 Points to Your Credit Score

When it comes to your credit score, it’s important to stay organized and keep tabs on it. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

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.

Want to check for yourself? Enter your email address here and within 90 seconds Credit Sesame will show you what to do.

Day 6: The Easiest Day of the Challenge — Give Your Family up to $1M

A million bucks? Easy? Those probably aren’t two thoughts you normally put together. But seriously, today is the easiest day of our challenge.

It sounds too good to be true, but a company called Bestow could help you do this using something called term life insurance. This is something you can check off your list in minutes.

You can get a free quote from Bestow until you’re 54 years old, but the sooner you take care of this, the cheaper it will be. (We hear some people are getting it for as little as $8 a month.)

Today was meant to be simple, so go ahead and take the rest of the day off.

Day 7: Get a Free $225/Month for Watching Short Videos

If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious.

A website called Swagbucks will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay Swagbucks to get these videos in front of viewers, and it passes a cut onto you.

Swagbucks won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $200 million.

It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

**The Penny Hoarder is a Paid Affiliate/partner of Stash. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

***You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

Categories
Save Money

Here’s How to Get $1 Million in Life Insurance Without Spending a Lot of Money

Maybe you’ve thought about getting life insurance, but it seems like an intimidating, time-consuming and expensive process. 

Just tune out all the noise and focus on one fact you should know: It probably won’t take as long — or cost as much — as you think.

Check out this stat: Nearly half of millennials overestimate the cost of life insurance by about five times the actual amount, according to a 2018 Life Insurance and Market Research Association study.

The fact is term life insurance policies start at $16 per month with no medical exams or blood tests if you get one through a company called Bestow.

Secure Your Family’s Future the Simple Way

You can use Bestow’s website to see how much different amounts of coverage would cost you. Plus your online application only requires a few steps:

  • Take a few minutes to answer questions about your health and life, such as your income.
  • You’ll get an instant quote for coverage, and there’s no risk. You won’t even have to get a full physical.
  • You’ll need to enter your driver’s license and Social Security number, which is true for any life insurance application. The company needs this information to verify your identity and prevent fraud. It uses a secure website and will not sell your private information.
  • You can cancel anytime. You even get a 30-day money-back guarantee.

At 5 years old, Derick Davis’ life changed forever when his father unexpectedly died.

He had a life insurance policyBut his coverage wasn’t enough to help Davis’ mom keep their family afloat.

Now 37, Davis’ life has since changed significantly: He lives in Virginia with his wife and two boys, and he works as an assistant professor at the University of Virginia. After completing 13 years of college, he earned a PhD — and racked up thousands of dollars in student loan debt.

On top of paying that down, Davis and his wife have two college educations to save for. If money’s tight now, imagine what it would be like if your income is gone when you’re not around.

With so many futures hanging in the balance, Davis realized he wasn’t doing enough to keep his family protected. 

“If money’s tight now,” he says, “imagine what it would be like if your income is gone when you’re not around.”

Thankfully, the process was so simple, Davis and his wife got a policy through a company like Bestow that covered them both at 10 times their current income. And the monthly payment? Less than their phone bill.

“I thought it was going to be hundreds of dollars a month, and that just wasn’t the case,” says Davis.

Now, he and his wife can sit back and relax, knowing Bestow will help provide financial support for their family if something ever happens to them.

“It makes me feel that I’m doing the right things in order to give my kids the best chance if something should happen,” he says.

The statements and testimonials presented here were provided voluntarily and not in exchange for any payment, and are applicable for the individual(s) mentioned above. Individual results and experiences may vary.

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Save Money

6 Ways to Save Money on Amazon You Probably Don’t Know About

We’re all doing a lot more online shopping these days. New quarantine sweatpants? Add to Amazon cart. Noise-canceling headphones for your home office? Thanks, Amazon!

Here’s the thing though: You’re probably overpaying.

We always assume Amazon has the best price, but oftentimes, there are way better deals hiding out there. If you’re not tracking them down, you’re probably getting gouged.

Here’s how to stop overpaying…

1. Find Out if You’re Overpaying

Wikibuy tells you when you’re about to pay too much for an item. For example, you could save $30 on this TV.

Wouldn’t it be nice if you got an alert any time you’re shopping on Amazon and are about to get ripped off.

That’s exactly what a free service called Wikibuy does.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Walmart, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.

Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Wikibuy will pop up and let you know if you’re about to overpay. It will even let you know if you can get it delivered sooner (see photo above).

So far, Wikibuy has saved users more than $70 million.

You can get started with Wikibuy in just a few minutes to see if you’re overpaying online.

2. Stop Deleting Your Emails from Amazon

It turns out deleting your emails could be costing you money. Intrigued?

One of our secret weapons is called Paribus — a tool that gets you money back for your Amazon purchases.

It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from Amazon, it will track the item’s price and help you get a refund when there’s a price drop.

Plus, if your guaranteed shipment from Amazon shows up late, Paribus will help you get compensated.

Disclosure: Paribus compensates us when you sign up using the links we provide.

3. Get $225 in Amazon Gift Cards for Watching the News

A woman uses an Amazon gift card to shop.
Aileen Perilla/The Penny Hoarder

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching. You could get up to $225 a month in free Amazon gift cards by signing up for a free account with Swagbucks.

They’ll present you with short news clips to choose from every day, then ask you a few questions about them.You just have to answer honestly, and Swagbucks will continue to send you gift cards every month.

This might sound too good to be true, but it’s already paid its users more than $429 million.

It takes about one minute to sign up, and start getting paid to watch the news

4. Get Amazon Gift Cards Every Time You Buy Toilet Paper

Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something…

5. Shop Amazon’s Outlet Store

A woman walks down the street with an Amazon box.
Tina Russell/The Penny Hoarder

Did you know Amazon has an outlet store? Seriously.

It works similarly to your traditional brick-and-mortar outlet stores; it stocks overstocked items and sells them at a discount.

You can find anything from pet supplies to clothing to electronics to grocery items.

6. Take 5 Surveys and Get a Free $5 Amazon Gift Card

Here’s an easy way to get $5 toward your next Amazon order: Take five online surveys through a website called MyPoints.

MyPoints is a research company that’ll pay you to answer questions about different products and services you use. In return, it’ll give you free gift cards. You can even do this from your phone.

To date, MyPoints has paid people more than $236 million in gift cards.

To get your $5 Amazon gift card, just sign up and complete your first five surveys.

Categories
Save Money

6 Ways to Save Money on Amazon You Probably Don’t Know About

We’re all doing a lot more online shopping these days. New quarantine sweatpants? Add to Amazon cart. Noise-canceling headphones for your home office? Thanks, Amazon!

Here’s the thing though: You’re probably overpaying.

We always assume Amazon has the best price, but oftentimes, there are way better deals hiding out there. If you’re not tracking them down, you’re probably getting gouged.

Here’s how to stop overpaying…

1. Find Out if You’re Overpaying

Wikibuy tells you when you’re about to pay too much for an item. For example, you could save $30 on this TV.

Wouldn’t it be nice if you got an alert any time you’re shopping on Amazon and are about to get ripped off.

That’s exactly what a free service called Wikibuy does.

Wikibuy’s free alerts can be added to your browser. Before you check out, it’ll check other websites, including Walmart, Target, eBay and others to see if your item is available for cheaper. It will also show you coupon codes, set up price-drop alerts and even let you see the item’s price history.

Let’s say you’re shopping for a new TV. You’re ready to check out, and you assume you’re getting the best price. Here’s when Wikibuy will pop up and let you know if you’re about to overpay. It will even let you know if you can get it delivered sooner (see photo above).

So far, Wikibuy has saved users more than $70 million.

You can get started with Wikibuy in just a few minutes to see if you’re overpaying online.

2. Stop Deleting Your Emails from Amazon

It turns out deleting your emails could be costing you money. Intrigued?

One of our secret weapons is called Paribus — a tool that gets you money back for your Amazon purchases.

It’s free to sign up, and once you do, it will scan your email for any receipts. If it discovers you’ve purchased something from Amazon, it will track the item’s price and help you get a refund when there’s a price drop.

Plus, if your guaranteed shipment from Amazon shows up late, Paribus will help you get compensated.

Disclosure: Paribus compensates us when you sign up using the links we provide.

3. Get $225 in Amazon Gift Cards for Watching the News

A woman uses an Amazon gift card to shop.
Aileen Perilla/The Penny Hoarder

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching. You could get up to $225 a month in free Amazon gift cards by signing up for a free account with Swagbucks.

They’ll present you with short news clips to choose from every day, then ask you a few questions about them.You just have to answer honestly, and Swagbucks will continue to send you gift cards every month.

This might sound too good to be true, but it’s already paid its users more than $429 million.

It takes about one minute to sign up, and start getting paid to watch the news

5. Get Amazon Gift Cards Every Time You Buy Toilet Paper

Grocery shopping was never exactly pleasant. But these days, it’s a downright struggle. Fighting crowds; keeping six feet of space — just buying toilet paper is a feat. Shouldn’t you have something to show for it?

A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and more than 250 other items at the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing you purchased an item from one of the brands listed in Fetch. For your efforts, you’ll earn gift cards to places like Amazon or Walmart.

You can download the free Fetch Rewards app here to start getting free gift cards. Over a million people already have, so they must be onto something…

5. Shop Amazon’s Outlet Store

A woman walks down the street with an Amazon box.
Tina Russell/The Penny Hoarder

Did you know Amazon has an outlet store? Seriously.

It works similarly to your traditional brick-and-mortar outlet stores; it stocks overstocked items and sells them at a discount.

You can find anything from pet supplies to clothing to electronics to grocery items.

6. Take 5 Surveys and Get a Free $5 Amazon Gift Card

Here’s an easy way to get $5 toward your next Amazon order: Take five online surveys through a website called MyPoints.

MyPoints is a research company that’ll pay you to answer questions about different products and services you use. In return, it’ll give you free gift cards. You can even do this from your phone.

To date, MyPoints has paid people more than $236 million in gift cards.

To get your $5 Amazon gift card, just sign up and complete your first five surveys.