As a turbulent 2020 comes to an end, it is vital that you take steps to help you realize your financial goals for 2021, especially if you are over 35 years old. The internet is a powerful tool for finding money-saving apps that will make this goal easier to reach.

Here are some apps we found that should make 2021 a much better year:

1. Give Your FICO Score A Quick Boost

The simplest place to start is with Experian Boost. Let’s face it, not everyone has a high credit score, but did you know that the credit reporting agency Experian gives you credit for paying your monthly bills? Experian Boost will use your monthly utility and telecom payments to add points to your credit score. A completely free service, it works by connecting your utility and telecom accounts to your Experian credit report.

Do you make on-time payments for things like your water bill or your cell phone? If so, you can get credit for these payments, which will boost your credit score. Experian also just added Netflix as an account connect option. Mobile phone, cable, satellite, gas, water payments, and select television subscriptions are eligible for connection. You will need to have a minimum of one open credit account, such as a credit card, car loan, etc., to participate.

• Get Your Boost

2. Cancel Your Car Insurance With This App

Insurance is a critical part of a financial plan. The problem is that you never really know if you are getting the best rate and are not overpaying for coverage such as auto and home. Gabi removes all of the uncertainty out of this process. Gabi is your personal shopper for home and auto insurance.

They compare multiple offers with their technology and obtain quotes that match your current coverage. There is no need to visit different websites. Gabi handles it all. Is your current coverage the best deal out there? Don’t worry, Gabi will tell you that, and most importantly, they never sell your information.

• Download Gabi

3. Boost Your Stock Portfolio For Just $1.00

Most American’s can’t afford to buy a single share of premium stock like Amazon. So if you could own stock in the company that powers online shopping for just $1.00, you should do it. Stash is an app that allows you to start investing* in the stock market with just $1.

By purchasing fractional shares in any public company like Amazon, Bank Of America, Tesla, Apple, Microsoft, or Walmart, 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 $5 to invest.

• Claim Your $5

4. Protect Your Family With Life Insurance

No one ever likes to discuss life insurance. Financially protecting your family in the event of a tragedy is the greatest gift you can give. For families that do not integrate life insurance as a cornerstone of a financial plan for 2021, the death of a provider can cause immense problems. Most people view purchasing life insurance as a complex and confusing process, but it is not with Bestow Life Insurance.

Policies purchased through Bestow are with A+ rated carriers, so you have peace of mind. Plans from $50,000 coverage up to $1,000,000 coverage are offered with affordable premiums. You simply select your coverage, apply online quickly and easily, and with your permission, Bestow will use their cutting-edge technology to find you coverage at the best price. Bestow uses sophisticated algorithms to see whether you qualify and at what premium.

• Learn More

5. Create Your Own Home Equity Credit Line

Do you own a home where you have equity? If so, another great idea is to access your home’s equity value through Hometap. Products such as home equity loans and credit lines often come with rigid underwriting guidelines that can make approval for some borrowers a challenge. Hometap is an investor, not a lender. You start by registering online and asking for an estimate of how much Hometap will invest in your home. Hometap will then tell you if you prequalify.

Hometap will provide you a number, and if you like what you see, you complete the application. Of course, you will need an appraisal, but you would also need that for a traditional loan or line of credit. Once the appraisal is complete, Hometap finalizes the deal, schedules a closing, and you get the funds wired to your bank. Hometap can offer this because they invest alongside you in your home. You must buy out Hometap within ten years by either selling your home or paying them off for the agreed-upon investment share. Hometap is only available in Arizona, California, Florida, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Oregon and Virginia.

• Tap Your Equity

6. Protect Your Income With This Affordable Disability Insurance

Life is full of uncertainty. You could be injured or hurt. You could possibly suffer an illness. 25 % of Americans suffer a disability before retirement that could affect income-earning ability. Life events such as these can be catastrophic, but they do not have to be if you use Breeze Disability Insurance.

No one enjoys buying disability insurance, but Breeze offers an easy online solution. You just tell Breeze a little about yourself, select your coverage, and then apply. There are no agents with high-pressure sales tactics, and you are in control of the decision that best meets your need.

• Get Breeze

2021 is sure to be a busy year, but you can take steps now to obtain your financial goals by using some of these tremendous money-saving apps, especially if you are over 35. With apps such as Experian Boost, Hometap, Breeze Disability Insurance, Gabi Insurance, and Bestow Life Insurance, making sure those goals are reached for 2021 just got easier.