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Here’s How $5/Month Could Add 50+ Points to Your Credit Score This Year

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What is your credit score telling people about you? If your score is too low, it might as well be saying, “Charge this person more to buy a car,” “Double their deposit to rent a home,” or “Turn them away.”

If you have low credit — or no credit — a company called Kikoff can help you change that.

Kikoff gives you the chance to prove you’re credit-worthy, despite what your current scores might imply — and it could raise your credit score by *50 points. 

How You Could Raise Your Credit Score by 50 Points

Here’s how it works: Kikoff will give you a line of credit — you don’t need a credit check, and there’s no interest. All you have to do is pay $5 a month over 12 months, to build a positive payment history, which Kikoff reports to Equifax and Experian every month. 

Kikoff works by impacting the three most important factors that determine your credit score: payment history, account utilization and account age. By signing up for a Kikoff Credit Account, making on-time payments and keeping your account open, you’ll be on your way to reaching your credit score goals

Lend Me a Hand

There’s usually a lot more to the story than a low credit score tells. Maybe your score was impacted by a job loss, youthful inexperience, emergency medical expenses or co-signing for someone who let you down, big time. 

Kikoff gives you a chance to rewrite your story — for a flat cost, no extra work and no hidden fees or interest. Kikoff helps you establish payment history, which is one of the three most important things companies look at when grading your credit. And if you enable autopay, you can build this positive payment history effortlessly after you sign up. 

The average person sees a positive impact on their score within a few months, and customers with a starting score under 600 eventually see their score rise by 50 points*. But we’ve heard of people who have used Kikoff to raise their credit score from the low 500s to over 700.

Kikoff the Next Chapter in Your Credit Story

Getting started with Kikoff is simple. Just sign up from their app or website. There’s no credit check, and you can find out if you’re approved in minutes. 

Join with payments as low as $5 a month over 12 months, with 0% interest for the lifetime of your account plus no additional fees. Once you’ve got an account, Kikoff will give you a line of credit, which you’ll use to purchase a 12-month credit-building plan.. This will keep your credit utilization rate low — a key factor in improving your score. Kikoff will report your financial progress to Equifax and Experian every month.

We suggest setting up autopay to cover your $5 payments every month and then leave your account alone. In the coming months, you’ll notice your score start to rise.

Hundreds of thousands of people are already building their credit with Kikoff, rating it 5 stars with more than 61,000 reviews.

Sign up here to see how much you could improve your credit score.

*Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.

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Inflation Is Killing Us. Here Are 8 Ways to Make Quick Money

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Talk about sticker shock. All these rising prices are absolutely demolishing our bank accounts. With inflation at a 40-year high, the cost of groceries, gas and just about everything else is going through the roof.

For years, inflation remained at or below 2%, but now prices are up a whopping 8.6% compared to the previous year — the biggest price spike since 1981.

What can you do about it? You can try to earn some extra cash, and we’ve got a list of ways you can do just that. Every little bit helps.

1. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

2. Get Paid for Your Opinion (as Soon as Today)

Got opinions? Get paid for them!

Sure, there are a lot of online survey sites out there. The catch is that, with a lot of them, it takes forever before you can actually get paid. You find yourself taking tons of surveys before you ever see a single cent — if you even qualify for the survey at all.

That’s why we like a website called Survey Junkie. It rewards you no matter what — even if you don’t qualify. And it lets you cash out a lot faster than its competition — you could even get paid today.

You get points for every survey you take, and once you’ve earned 500 points, you can cash out and get your first $5. A lot of sites make you wait until you’ve earned $20 or $25 worth of points before you can claim your earnings.

Most people get their money within seven days of signing up — but the pace is entirely up to you. Plenty of folks cash out the same day. And you can choose to get paid via PayPal or with digital gift cards.

No, you won’t necessarily get rich taking surveys online, but it’s an easy way to make a little extra cash while you’re killing time. Signing up takes about one minute, and you’ll immediately  earn points just for creating your account. You’ll be that much closer to cashing out. 

3. Earn 70% Higher Interest On Your Savings (One of the Highest Available)

Interest rates at most banks these days are downright pitiful. You’ll be lucky if you earn a quarter at the end of the year.

But an online bank called Vio has one of the highest earning rates you’ll see — 1.03% APY* (Annual Percentage Yield) on your money market savings. That’s 70% higher than the average high-yield savings account.

Not only does it pay well, it also costs nothing to open an account. You just need to transfer at least $100 to keep it open. 

Security is also top notch. You can depend on bank-level encryption, FDIC insurance up to $250,000, with the highest level security you can obtain.

There’s a reason why it’s been named the best high-yield savings account by websites like Fox Business, CNet and CNBC. And it has an A+ rating from the Better Business Bureau. 

If you’re ready to save smarter and earn more, open a free Vio Cornerstone Money Market Savings Account. Get started here.

4. Get a Free Slice of a Fortune 500 Company From This App

Do you think it’s too late for us non-millionaires to get our hands on a piece of a Fortune 500 company?

Well, it’s definitely not. We found a free app called Public that lets you own slices of stocks, so you can invest in companies without having to pay for an entire share, if you don’t want to.*

They’ll even give you a slice of a popular stock for free when you download the app and sign up.

It takes just minutes to download the app, and when you finish setting up your account, Public will give you the free slice of stock you select during signup as a bonus.

5. Get Paid up to $600/Week to Drop off Starbucks

Your city is filled with two things: Starbucks, and people who want Starbucks.

An app called Doordash will pay you to pick up and deliver an extra latte when you’re already out and getting your caffeine fix. And it’s not just coffee. You can deliver from Chipotle, Chick-fil-A, Five Guys and hundreds of other restaurants in your area.

With Doordash, you set your own hours and work as much or little as you want, meaning how much you make is up to you. 

You’ll earn money for each delivery, plus tips. Jose Neri, from California, reports earning $500 to $600 a week working just lunches and dinners.

The best part? No passengers — that grande, no-whip macchiato will be the only thing to hear your beautiful singing voice.

If you sign up for Doordash now, it’s possible to get your first paycheck this week. 

6. Turn Your Junk Mail Into Cash

You know all those flyers and advertisements you get in the mail each day? The ones you never wanted but have no idea how to opt out of?

Well, you can turn them into cash.

The Small Business Knowledge (SBK) Center is a market research company that wants to get a peep insight your mailbox. Join its consumer panel, and start shoveling that junk mail into a postage-paid envelope and, at the end of each week, send it over to the SBK Center.

No, you won’t be rolling in extra cash, but you can earn up to $20 every six to 10 weeks.

7. Find Out If You’re Overpaying

Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?

That’s exactly what this free service does. 

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

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

8. Sell Someone Else’s Stuff

Selling Craigslist freebies is a great way to make a profit quickly, because you get the items for free. You could even have cash in hand today.

Go to the free section on Craigslist and look for things that are close to you and easy to sell immediately. They could be scraps from a job site or metal items you can sell, for example.

For a quick turnaround, avoid items like furniture or electronics. These can be good to sell, but they’ll take longer.

Cash in your treasures by reselling on Craigslist, including them in a rummage sale or selling to specialty buyers, like a pawn shop or a local business.

So, don’t let sticker shock get you down. And don’t let it destroy your bank account. Even though prices keep rising, earning some extra money can help you weather the storm.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.

*Capital One Shopping compensates us when you get the extension using the links provided.

**See viobank.com for more details

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This Life Insurance Policy Can Actually Help Build Your Wealth — and Protects Against Volatile Markets

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Maybe you’ve thought about getting life insurance to protect your family in case something happens to you. But you haven’t gotten around to it because — let’s face it — figuring out what kind of policy you really need is complicated and a little intimidating.

When you shop for life insurance, you get bombarded with weird jargon like “term life,” “cash value,” “universal life,” “death benefit,” “whole life,” “annual renewable term,” and on and on and on. It’s enough to make you shake your head and walk away.

What if there was someplace that would walk you through it and make it a lot easier?

That’s the idea behind Amplify, a digital-first life insurance platform that simplifies and streamlines the entire life insurance purchasing process. Their website spells out what your options are and how much each option may cost. Then, if needed, actual licensed agents can guide you throughout the process.

For a long time, the life insurance industry has been dominated by a complicated, opaque, commission-driven system that sells you the products they want to sell you.

But in today’s world, you can shop online for all kinds of things and decide exactly what you want to buy, whether you’re looking at new shoes or a phone or a car. Why shouldn’t it be the same for life insurance?

Here’s another wrinkle: Amplify not only gives you traditional life insurance choices, but it also gives you access to indexed universal life insurance — a specific kind of policy that’s usually only easily accessible to the wealthy. The affluent and the well-heeled have been using this kind of policy to build tax-efficient wealth, while still protecting their families. 

Amplify wants to democratize insurance and show everyone how to take advantage of it. And it’s especially useful if you’re worried about volatility in the stock market.

Which Type of Insurance Is For You? 

Here are the few main kinds of life insurance you can choose from:

1. Term Life Insurance 

Term life insurance is exactly what it sounds like. You’re buying life insurance for a specific “term” or period of time — typically 10, 15, 20 or 30 years. Then the policy typically expires.

This is the simplest, cheapest and most common kind of life insurance policy. The earlier in life you get one of these policies, the lower the premiums will be.

2. Whole Life Insurance 

Whole life insurance is actually pretty intuitive. The policy lasts for your whole entire life — as long as you keep paying your insurance premiums. 

This type of policy usually costs a lot more than term life, because your policy lasts a lifetime. No matter when you pass on, your loved ones are guaranteed to get a payout, also called a “death benefit.” Basically, you’re paying extra for permanent financial protection for them.

3. Universal Life Insurance

Amplify offers this more flexible kind of permanent insurance. Like whole life insurance, it doesn’t expire, and it has a death benefit that covers your whole lifetime. It’s a life insurance policy that provides typical protection with additional tax advantages.

It has a built-in cash value that you can borrow against. As you build cash value, you can use that money to pay your premiums, diversify retirement income or fund college expenses. It’s even possible to build enough cash value to pay all the premiums, eliminating out-of-pocket expenses for life insurance coverage.

Unlike term life and whole life policies, which require you to pay your premiums every time they’re due, universal life policies give you flexible premiums, as you have sufficient cash value in your policy. Amplify offers two varieties of universal life insurance: indexed universal life insurance and variable universal life insurance: 

Indexed Universal Life Insurance

Amplify gives you access to what’s called an indexed universal life insurance policy or IUL for short. Yes, that’s a mouthful.

This insurance policy may be linked to market indices like the S&P 500, Dow Jones or Nasdaq. If the market the policy is linked to performs well, the policy’s cash value increases up to a certain cap, such as 7%.

Here’s the really cool part: If the stock market falls, your returns are lower, but there’s a minimum, or floor, so you don’t lose money. So if the floor rate is 1% and the market drops 9%, you’ll still earn 1%. 

With many policies, your gains reset annually, so the increase in cash value is protected from future downturns. 

And protection from stock market downturns is a really nice feature to have in a time when lots of us are worried about the stock market’s volatility.

Variable Universal Life Insurance

The second variety of universal life insurance is known as variable universal life insurance or VUL for short. This type of policy offers even more flexibility than the IUL by giving you the opportunity to choose where your premiums go. In fact, you can place up to 90% of your premiums in investment funds such as the S&P 500, REITs, global funds, and even alternative assets. 

The best part? Growth in your cash-value can be taken out as tax-deferred gains while you’re still alive and your family will still receive a death benefit when you pass. Similar to IUL, this type of policy is something the wealthy have used as a tax avoidance strategy for their high-growth investments. The upside/downside to this policy is that the potential for growth is unlimited and tied to market conditions so there’s no ceiling, but there’s also no protection if there’s a market downturn.

So if you’re going to invest anyways, why not invest in a life insurance policy that can provide tax-efficient wealth growth and protection for your family. 

How to Protect Your Family Like Rich People Do 

Once you go to Amplify’s website, you’ll fill out some basic information and get some estimates for policies. Like all life insurance policies, the cost is affected by a number of factors, including your age and health, and whether you’re a smoker.

Once you choose an insurance product, you’ll continue the application process.* If you’re getting permanent life insurance, then at some point you’ll talk to one of Amplify’s advisors. Most of the process is digital, though.

In general, life insurance protects the financial security of a loved one when you die. If someone depends on your income and would be negatively impacted financially if you died unexpectedly, you should have some type of life insurance.

People buy universal life policies for a variety of reasons, including:

  • They want lifelong death benefit protection
  • They’re looking for tax-advantaged savings growth
  • They’re looking for protection against market volatility
  • They want more flexibility and cheaper premiums than whole life insurance

The premiums for universal life are typically higher than term life insurance policies that have a set time limit for coverage, but lower than for whole life policies with lifetime coverage. So universal life is a balanced option — a bit more expensive than term coverage, but a cost efficient way to build wealth and get permanent protection. 

It only takes a few minutes to get a quote and see what your options are.

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.

Variable Universal Life policies are a combination of life insurance and a security that requires Securities and Exchange Commission registration.  Securities are offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W Dry Creek Circle, Suite 800, Littleton, CO 80210, 303-797-9080.  Amplify Life Insurance Company is not affiliated with The Leaders Group. 

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These 5 Money Hacks Are So Brilliant You’ll Need to Buy a Bigger Wallet

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Everything is more expensive right now and you’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. 

Although we can’t swipe these off the table for you, we do have a few money moves you should make right away…

1. Ask This Website to Help Pay Your Credit Card Bills This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

2. Get Paid to Play Bingo

There’s a free app called Bingo Cash that pays you up to $80 every time you win bingo.

The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star rating (out of 5).

To get started, just download the free app and start playing your first game immediately.

3. Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. 

In just a few minutes, you could save up to $610 a year.

4. Ask this Company For up to $40,000

If you’re like most of us, you know what it’s like to live paycheck to paycheck. You do your best to make the most of your money, but inevitably, the unexpected happens. Maybe your car breaks down, or you need an appliance repaired. Maybe you’re just a little short this month. 

Luckily, a website called Lending for BC can connect you to lenders that are more willing to let you borrow up to $40,000, even if you have fair or bad credit.

The risk of being punished and rejected can scare a lot of people away, but even with bad credit, there is still hope. Especially if you earn at least $3,000 per month. Having a credit score over 520 will improve your chances of securing a lender.

It takes just a couple of minutes to complete the online request form for a loan or cash advance. And you could get your funds as soon as tomorrow, depending on how long it takes your bank to complete the transaction.

5. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free app called Solitaire Cash that pays you up to $83 ever time you win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).To get started, just download the free app and start playing your first game immediately.

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Worried About Inflation? Here Are 4 Money Moves for Canadians to Make This Year

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

Everything is more expensive right now and uou’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills.

Although we can’t swipe these off the table for you, we do have a few money moves you should make right away…

O, the Great White North. Nova Britannia. Land of Maple Syrup. America’s Hat. The 14th colony. *Whispers* America’s friendliest neighbor.

It must be nice to have the best nicknames around.

And while we’re on the subject of best things, we thought you might also want to know about the best — and weirdest — ways you can pocket some extra Canadian dollars.

1. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that pays you up to $83 when you win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

2. Add $225 to Your Wallet Just for Watching the News

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 add up to $225 a month to your pocket 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 pay you every month. This might sound too good to be true, but it’s already paid its users more than $429 million.

We talked to one user in Pennsylvania, 52-year-old Carolinda Hendrickson, who earned $1,200 in a year.

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

3. Get a Free $105 for Playing Games

We all have our favorite ways to kill time. A good book, a good conversation, a hockey game.

Here’s another good time-killer: Playing games on your iPhone. And what if you could play for money? Real money?There’s a free iPhone and iPad app called Bubble Cash that lets Canadians play for money. You can get paid up to $105 ($83 USD) per win.

You might be wondering if there’s a catch. But there’s really not. Bubble Cash is free to download and is completely skill-based. And it’s quite popular. It has more than a million downloads and averages a rating of 4.5 out of 5 on the Canadian App Store.

Players have won hundreds of thousands in prize money so far.

To get started, just download the free app and start playing your first game immediately.

4. Earn up to $69/Hour Working From Home

Truth be told, life would be a lot easier if you could just make money without leaving the house. But that’s not something most employers offer. But have you considered bookkeeping? It’s the No. 1 most profitable business, according to an article in Inc Magazine.

And you could earn up to $69 an hour by starting your own bookkeeping business, according to Intuit, the creator of QuickBooks.

You don’t have to be an accountant or good at calculus to be successful at bookkeeping. As long as you’re motivated, a company called Bookkeepers.com will teach you everything you need to know. It’s one of the leading training courses in the field, and it even gives you the first three classes for free.

It’s helped thousands of people launch their own businesses, including Daniel Honan, a military veteran and former painter. He never considered starting his own company, but he signed up for Bookkeepers.com, and now he’s making $50,000 a year.

It only took him three months to get started, taking one class a week. Oh, and he makes his own schedule, earns up to $69 an hour and is able to spend more time with his wife than ever.

If you’re just a little curious, you just have to submit your email address here to take the first free class. If you stick with it, you could be running your own business in just a few months.

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4 Sneaky Ways Corporate America is Getting You to Spend More Money

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

You’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones we’re talking about: rent, utilities, cell phone bill, insurance, groceries…

Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…

1. Cancel Your Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal. 

Use a website called EverQuote to see all your options at once. 

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you. 

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

2. Get a Refund from Walmart, Macy’s and Other Stores

Chances are you do some of your shopping online. Whether it’s pet food from Walmart, a new outfit from Macy’s or even a flight home for summer vacation, you’re probably leaving money on the table.

A free website called Rakuten has the hookup with just about every online store you shop, which means it can give you up to 40% cash back every time you buy something. 

We spoke to one Penny Hoarder reader, Colleen Rice, who has earned more than $526.44 since she joined Rakuten. For doing nothing. Seriously. 

Rice says she uses Rakuten for things she already has to buy, like rental cars and flights. 

It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start earning cashback at your go-to stores through the site. 

Your cash will be deposited directly into your bank account or via a check in the mail every few months. Talk about money for nothing.

3. See if You Could Lower Your Car Payment by Hundreds a Year

You know you can refinance your house to save money on your monthly mortgage payment — but did you know you can refinance your car, too? 

It’s not a money-saving tactic people talk a lot about, but it could save you a ton of money. A website called Upstart is helping borrowers save an average of $1,025 a year on their car payments. That’s about $4,800 back in their pockets over the lifetime of their loan. 

There are no origination fees, and you only need a minimum FICO score of 510. You don’t even need to enter your car’s VIN, and you won’t get any spam calls. 

And with an APR range of 2.20% to 29.99% Upstart is saving customers over 17% per month when they refinance. Upstart has helped borrowers save more than $20 million on their car payments in the past year alone*. 

Ready to start saving? It takes just minutes to check your rate and see how much you could save

4. Ask This Website to Pay Your Credit Card Bills

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

*Car refinance loans not available in IA, MD, NV, or WV. Car refinance loans in IL and MO are originated by Cross River Bank or Midwest BankCentre. Car refinance loans in CO, KS, and TX are originated by Cross River Bank or Rising Bank, Member FDIC. Car refinance loans in FL, GA, and AL are originated by Cross River Bank or Drummond Bank, Member FDIC. All other car refinance loans are originated by Cross River Bank, Member FDIC.

The full range of available rates varies by state. The average 5-year loan offered on Upstart will have an APR of 9.91% and 60 monthly payments of $426 per $20,000 borrowed. For example, the total cost of a $20,000 loan would be $25,540. APR is calculated based on 5-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

This information is estimated based on all consumers who were approved for an auto loan through Upstart and accepted their final terms. As of 2/1/2022 the average monthly savings amount is 17%. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing automotive loan to the APR and term offered by Upstart.