Right now, we may be living through the most uncertain economic period in our nation’s history. Even though most states have reopened, but that doesn’t mean we should expect the economy, or our own personal finances, to suddenly return to normal.
Although it’s tempting to start spending as usual, a “hunker down” approach maybe wiser.
Here are 7 moves you should make if you want to make your dollars go farther:
1. Apply For A Loan With A Company That Won’t Sweat Your FICO Score
Consolidating your credit debt could save you thousands of dollars in interest payments! Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with any type of credit. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get you back on track.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution that is tailored to your needs. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.
2. Buy Walmart Stock For Just $1.00
If you love shopping at Walmart, you should own a piece of the company! Stash is an app that allows you to start investing* with just $1 by purchasing fractional shares in any company you want. Now you can own shares in companies like Walmart, Netflix, Amazon, Tesla, Apple, or Google. Stash levels the investment playing field. Now you can afford to build real wealth at an affordable price.
You can create a diversified portfolio with very little money. There are no account minimums, so with few bucks you’re on your way.
For a limited time, Stash will give you $5 to invest when you make your first investment. So $1.00 can actually give you $6.00 of buying power!
3. Switch To A Cheaper Auto Insurance With This App
What if someone offered you $820.00, would you take it? We would! Gabi, an insurance shopping comparison engine, is an essential app that allows average users to save $820.00 a year.
Gabi can help you find and switch to a cheaper insurance rate within minutes - for free! Just download the app, and follow the instructions. Once you’re registered, you will need to allow Gabi to scan your current online insurance account (Gabi is 100% safe and secure).
Gabi will do the rest. Gabi can compare your current rate against other insurance companies like Progressive, Travelers, Nationwide, Kemper, Safeco., and many more. Gabi can also help you save on your homeowner’s insurance too!
4. Get Inexpensive Life Insurance
In these crazy times, we all need a solid plan to make sure our loved ones are protected.
If you own your home, chances are you have a mortgage. You may also have credit card debt. What would happen if you or your spouse died? Who would pay all the bills? A trick many people do is get an inexpensive life insurance policy to cover the mortgage and credit card debt in case they die.
A term life policy from Ladder Life Insurance is easy and affordable. If your relatively healthy and between the ages of 21-60 you can qualify. There are usually NO medical exams.
Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Please don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.
5. You Could Earn $1,200 In Target Cash Every Month
You may not feel very useful as you scroll your way into the depths of the internet, but your data is actually worth A TON of money to corporate goons.
So, why not take a piece back? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.
A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. It’s easy to make an extra $5 in a one day, by watching a few videos. That translates to some serious extra cash in your pocket each month.
6. Stop Paying Bank Fees
Checking accounts have an average yearly cost of $97.80 in fees, according to the federal government. That’s were Aspiration Bank comes in. Aspiration is an online-only bank offering most of the services your big bank does, without all the fees.
What Aspiration Offers?
What doesn’t it offer? First off, the Aspiration Summit Checking Account has NO monthly fees. There are zero minimum balance fees, overdraft fees, and ATM fees when you use your Aspiration Bank Debit MasterCard. Your debit card also gets you 0.5% cashback on all purchases - making it a cash-back-card!
The Aspiration Bank Summit Account is an interest-bearing checking account that you can open with as little as $10. According to the bank’s website, the account earns an APY of 1%, which is up to 100 times better than the interest rate offered at big banks.
7. Join This Credit Union For Just $5.00
Credit unions were founded on the philosophy of people helping people. Consumers Credit Union (CCU) has been serving customers for nearly a century. Unlike other credit unions, it’s unique that anyone can join, regardless of where you live or work. CCU has over 1,800 Service Center branches and more than 30,000 ATMs nationwide.
CCU offers a “Free Checking Account.” It is a basic checking account with no minimum balance requirements and no monthly maintenance fees. It doesn’t earn interest, but members enjoy essential banking tools, such as unlimited check writing, online and mobile banking, bill pay, ATM access, Mobile wallet access, plus a Visa debit card.
The Membership Share/Savings Account is the basic account you need to become a Consumers Credit Union member. It’s a simple savings account, with a $5 minimum to open an account and maintain CCU membership.
Credit unions are more forgiving with their lending requirements than banks and other lenders. Being a member starts your relationship and can provide you access to mortgages, credit cards, or student loans at lower APRs.
*Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser. This material has been distributed for informational and educational purposes only and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. 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. The offer is subject to Promotion Terms & Conditions.