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Crucial Money Moves You Should Make While Your Kids Are Young

Tom Twardzik
Crucial Money Moves You Should Make While Your Kids Are Young
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

For young parents, it may seem as if there’s never a good time for making critical financial decisions. But the truth is, the steps are much easier than you think.

Taking small steps now can help you get a tight grip on your finances for later, when the really big bills (like college tuition!) come rolling in. Here are some crucial moves you can make to have a better financial future for you and your children:

1. You Could Become A ShareHolder In NetFlix

If you love watching Netflix, you could become a shareholder for just $1! Stash is an app that allows you to start investing* in the stock market with just $1. By purchasing fractional shares in companies like Netflix, Tesla, Ford, Apple, or Google, anyone can afford to build real wealth at a price they can afford.

You can build a diversified portfolio with very little money. A Stash Invest account allows you to invest with as little as $.05 cents. When you open a Stash Invest account and deposit at least $5, Stash will give you a bonus $5 to invest.

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2. Do What Nora Did, And Boost Your FICO® Score Instantly

Hitch your credit score to this rocket and watch it take off with Experian Boost™. If your credit is on the cutoff of “Bad” to “Fair” or “Fair” to “Good,” this FREE tool could brighten your day in a few seconds.

All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, cable bill, other utilities.), and you could get an INSTANT credit score boost. Plus, it’s FREE! Nora V. got an increase of 47 points instantly! There’s no easier way to improve your credit. Results will vary, see Experian’s™ website for full details.

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3. Get This Company To Pay Off Your Debts

It doesn’t take long to amass a collection of loans and watch your monthly interest payments grow out of control. Consolidating debt with a personal loan can potentially lower your interest rate and simplify your life.

Unfortunately, it can take weeks or months to get approved. AmOne makes the process fast and easy. 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. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.

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4. Protect Your Family For As Little As $8/Month

If you own your home, chances are you have a mortgage. You may also have credit card or student loan debt. What would happen if you or your spouse died? Who would pay all the bills? A simple 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 Bestow Life is easy and affordable. Plans start at $8/month. If your relatively healthy and between the ages of 21-55 you can easily qualify. There are NO medical exams.

Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.

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5. Collect Your PayCheck Even When You Can’t Work

Frequently using all or most of your credit limit can hurt your score. However, it’s difficult to keep a low balance if your credit line is small because your score needs work.

Now is not the time to run the risk of not getting paid. What would happen to you or your family if you missed 1,2, or even three months of work? Breeze is an online disability insurance company that makes getting disability insurance easy and affordable. Disability insurance is income insurance. If you can’t work, you still need to get paid.

A Breeze disability insurance policy isn’t just for slips and falls. It can cover a cancer diagnosis, grueling treatments that follow, prolonged complications from the flu or a virus, pregnancy difficulties, recovery from a heart attack or stroke, mental wellness issues, and more. Breeze is backed by Assurity, one of the highest-rated disability insurance companies in the U.S.

There are no medical exams required. A free no-obligation quote takes about 90 seconds. you must earn at least $14,000/yr and work at least 30 hours a week. Long term disability plans start at just $9 per month.

Pre-Qualify Now

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.

Open Your Account

By making these five smart money moves while you’re young, you’ll boost your financial well-being and build a strong foundation for the future. Take advantage of these cutting-edge financial services to take control of your money now!

*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.