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You're not dumb. You do the normal money-saving things …
You're a regular at the clearance rack. You don't eat lunch out too much. And you meticulously selected the perfect combo of streaming services to watch your favs for as cheap as possible.
But there are some tips you may not know (yet) — and that's a good thing! Because once you see some of the areas where you can cut your costs, you could find some extra cash in your pocket sooner than you think.
Credit Card Debt: Transfer your balance and pay no interest for 15 months (yes, it is kind of remarkable)
Imagine getting 15 months with 0% intro APR on purchases and balance transfers (APR then 18.24% - 27.24% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards - the Discover it® Cash Back(Rates and fees) - and pay no interest until 2026 on purchases and balance transfers!
If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer high-interest debt to this card with a 0% intro APR for 15 months on balance transfers (APR then 18.24% - 27.24% Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
The best part? The Discover it® Cash Back is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and has no annual fee.
Home Equity: Access a credit limit from $5,000-$250,000 (without touching your mortgage)
If you need cash, you do not need a cash advance or personal loan — get a HELOC instead.
Access the equity in your home with Aven for a fraction of the time and cost of a traditional HELOC. With a 100% online process, you could get approved in as fast as 15 minutes and access funds as soon as 3 business days after closing!
The best part? The Aven HELOC gives you options. Access cash upfront with a full draw at a low fixed rate APR or use a standard revolving credit line with a variable APR.1 <p>The annual percentage rate (“APR”) is the cost of credit as a yearly rate and does not include costs other than interest. The APR is a variable rate based on the Wall Street Journal prime rate (“Index”) published by the Wall Street Journal in its Money Rates section. The WSJ Prime Rate as of Jan 10th, 2025 is 7.50%. Your variable APR is based on the Index plus a margin that takes into account your creditworthiness, collateral value, etc. Your APR is subject to change as allowed by applicable law. Best rates available only to the highest-qualified borrowers. The maximum APR will not exceed 18% during the life of your account. Cash Out (draw to bank account) fee and Balance Transfer fee is 0% of amount transferred. This fee is subject to change. The county where your property is located may charge recording fees. If your line is greater than $25,000, you are responsible for paying these costs. These costs will be placed in a 12-month interest free, fixed term loan and be part of your Minimum Payment Due.</p> <p>Cash back available to those who enroll in AutoPay, refer to <a href="https://www.aven.com/docs/AutoPayAgreement.pdf">AutoPay Terms & Conditions</a>. Cash back applies to valid purchases (not on refunds or returns) made using the Aven card, and does not apply to non-card transactions, including balance transfers, cash-outs, or reward redemptions. Cash back is accumulated as points and redeemable as statement credit. Refer to <a href="https://www.aven.com/public/docs/CashbackTerms/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Rewards Terms & Conditions</a>.</p> <p>If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Our APR is 6.99-15.49% for primary residences. The average for other cards in the US for people with good credit is over 24% APR. Source: "Average Credit Card Interest Rates" <a href="https://wallethub.com/edu/cc/average-credit-card-interest-rate/50841">wallethub.com</a> on Jan 15, 2024 showing the average rate for credit cards in the US for people with good credit is 24.10% APR.</p> <p>If you have an active HELOC agreement or offer within the last 30 days that demonstrates a lower cost than ours, we’ll beat the offer or send you $250. Introductory, temporary, and promotional offers do not apply toward our guarantee. Only valid for new customers who received this specific offer. We reserve the right to change the terms of the guarantee at any time. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Our fixed monthly payment option (Aven Simple Loan) is available based on your Var APR plus fees not exceeding the High Cost Mortgage threshold set by law. Your rate will not increase while the Aven Simple Loan plan is open.</p> <p>If you opened a HELOC within the last 30 days or received a fully underwritten HELOC offer within the last 30 days, we’ll beat your APR or give you $250. Offer subject to verification and approval. Terms apply. <a href="https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2025MarFixedTermWithFirstDrawFeeAndPRPPAndShadowLimit">Guarantee Terms and Conditions</a>.</p> <p>Subject to Credit Approval, including use of data reports from Experian, Equifax and Transunion. Limit of one Account per property. Certain terms and conditions may apply. Terms may vary by applicant and are subject to change. Availability limited to certain states. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for more details. Not available for multi-unit homes. Requires a lien on your property. Flood insurance may be required if your property is located in a flood zone. Not available for home purchase. If you have an existing second lien (“Second Lien”) on your subject property, you acknowledge and agree that we may transfer your application to our refinance product (subject in all cases to credit approval). The refinance product may have different terms and conditions than the initial product you applied for. Please review the Early HELOC Disclosure for more information.</p> <p>Note for customers in AK, AL, IA, KS, KY, LA, MN, MS, NE, OK, OR, PA, UT, WI and WY: We currently only offer lines up to $100,000. Check back soon for higher line sizes.</p> <p><a href="https://www.aven.com/docs/SpanishDisclosure.pdf">Notice to Consumers about all Languages. Para Español, consulte este documento</a>.</p> <p>Aven cards are arranged by Aven Financial, Inc., dba "Aven" or "AvenCard" (in AR, ID, and PA). NMLS #2042345. See <a href="https://www.aven.com/licenses">aven.com/licenses</a> for state specific details. Aven reserves the right to modify or discontinue its products or offerings at any time without notice.</p> <p>Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (<a href="https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/462289">NMLS Consumer Access Page</a>). For additional information or complaints to Coastal Community Bank, visit <a href="https://www.federalreserveconsumerhelp.gov">www.federalreserveconsumerhelp.gov</a>.</p> Repay that full draw with a fixed monthly payment that works for your budget.
How to get started:
- Visit Aven and provide a few pieces of information.
- Check your offer with no impact on your credit score.
- Accept your personalized rate.
- Close 100% online with a digital notarization flow.
Auto Insurance: This company could help put up to $1,025 back in your pocket
We could all use some extra cash these days. And with this company, getting it couldn’t be any easier. You hardly have to do any work.
Insurify is a company that could help you save up to $1,0252 <p>Average potential savings based on initial quotes received by 183,234 customers seeking insurance through Insurify. Actual savings may vary depending on state of residence, individual circumstances, coverage selections, and insurance provider. Savings results are not guaranteed</p> on your annual car insurance premiums. Their job is to connect you with insurance companies to beat your current rate or coverage. No catch, and no hidden fees.
It only takes about a minute or two. Enter a little bit of info like your zip code and year, make, and model, and then get as much as $1,025 back in your pocket.
They work with 100+ insurance companies so you know you’ll get a good rate. And they have 4.8/5 stars from 3,000 verified reviews. Even better, Insurify does not sell your information to spammers, and there are no annoying calls or texts.
Compare rates today and claim potentially instant savings of up to $1,025!
Restaurants & Meal Delivery: Take advantage of massive discounts at restaurants (you don’t even have to be 50 to join!)
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on:
- Restaurants (save up to $450 per year!)
- Meal deliveries
- Airfare, Hotels, Cruises and Rental Cars
- Eyeglasses and even prescriptions that aren’t covered by insurance
Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.
How to become a member today:
- Click the link below, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Get 25% off your AARP membership, making it just $15 the first year with auto-renewal
Car Insurance: Cancel your car insurance
Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.
This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.
I used Insurify and now I’m able to pay just $51 a month for two cars.3 <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:
- Click the link below and enter your zip code, date of birth, and phone number.
- Answer a few questions about your car’s make and model to get matched with top offers.
- Choose the best quote for you and lock it in before rates go up.
Compare rates now and see if you could score same-day savings today!
I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.
Medicare Supplement Insurance Plans: You may get many out-of-pocket healthcare costs covered
You might think you have most health bills covered with Original Medicare. But then you get hit with a medical deductible for a short hospital stay — and you have to pay out of pocket. That’s where a Medicare Supplement plan may help.4 <p><b>PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. </b></p> <p><b>The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. </b></p> <p><b>Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.</b></p> <p><i>Medicare Supplement plans may require underwriting and enrollment is not guaranteed.</i></p>
Most Medicare-eligible individuals don’t realize that Original Medicare only covers about 80% of your medical expenses. That remaining 20%? It can add up fast. Especially with a hospital deductible, Part B coinsurance, or excess charges.
Use Healthcare.com’s online tool to find a plan that may cover nearly all your out-of-pocket costs. You’ll pay just a monthly premium. Too many seniors pay more than they should, but if you want to save, here’s how to get started:
- Click the link below and enter your ZIP code.
- Answer a few questions about your current Medicare plan coverage (takes about 60 seconds).
- Get matched with top-rated plans and enroll online or over the phone.
Learn more here and save on out-of-pocket Original Medicare costs
Home Insurance: Switch your home insurance and you could save a ton of money
If you have home insurance, you need to see the recent rates available to you. There’s a good chance you’ll want to switch your policy if you see a better rate.
The best way to check for up-to-date rates: Get multiple policy quotes from a variety of home insurance providers. Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house.
Provide Home Insurance is a company that matches you with a variety of home insurance options to meet your home insurance needs … including lower overall cost or better overall coverage.
Just answer a few questions, and they will find options that are right for you.
Advisor Fees: You could be overpaying for your retirement planning
Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.
This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.
Paid Non-Client Promotion
Identity Theft: In 2023 Americans lost over $10 billion to identity theft and fraud
That's right. According to the FTC, Americans lost over $10 Billion to fraud and identity theft in 2023.
But you can safeguard your data with all-in-one identity theft protection services from Aura which comes with $1,000,000.00 in identity theft insurance5 <p>Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.</p> per adult, to cover you should you have eligible identity theft-related losses.
An individual plan starts at $9 per month, and you can choose a family plan that outmatches most others - includes Dark Web monitoring to scour data breaches and leaks for your sensitive personal data — such as Social Security numbers (SSN), Medicare information, and phone numbers.
Before you make your next online purchase, protect what you’ve built for a fraction of what it could cost you if your data were compromised.
Phone Bills: Switch to Mint Mobile and pay $15/month (5G coverage powered by T-Mobile)
Your phone plan doesn’t have to be crazy expensive. With Mint Mobile, you can get an unlimited data phone plan for only $15/month for the first three months.6 <p>Upfront payment of $45 for 3-month 5GB plan ($15/mo. equiv.) req’d. Intro rate first 3 months only; then full-price plan options available. Taxes & fees extra. Unlimited plan customers using >40GB/mo will experience lower speeds and videos streaming at 480p. More details <a href="https://www.mintmobile.com/plan-terms-and-conditions/">here</a>.</p>
Sounds like there’s a catch, right? Wrong. Mint Mobile earned awards from “Wired magazine” and “The New York Times” for its modern approach to phone service. It’s fully online, meaning there are no retail stores and no extra overhead. Then, those savings are passed on to you.
Get everything you need for half the price: Mint Mobile is powered by nationwide 5G coverage from T-Mobile, and high-speed data is included on all plans. Plus, you don’t need to be trapped by a contract! There are flexible plan options and you can even bring your own phone.
If your phone is paid off or unlocked, jump on this $15/month deal while you can — because it might not be around forever.
BONUS: Get a second 3-month plan free when you bring your number from AT&T or Verizon.7 <p>New customer offer, only on mintmobile.com. Free plan for first three months only; taxes & fees extra. Primary and secondary lines must choose the same plan type and both new plans must port in from an eligible carrier or offer is invalid. Not transferable; not combinable w/ other offers; not redeemable for cash or credit. Addt'l restrictions apply. See <a href="https://www.mintmobile.com">mintmobile.com</a>.</p>
Paying High Prices on Windows: You could save a fortune with this service if you live in these zip codes
This matching service is 100% free and could save you a substantial amount of money when you replace your old windows with energy efficient ones. And if your windows are more than 5 years old, it could save you $1,000s in the long run.
WindowsUSA is actively helping homeowners get energy-optimized windows without spending a fortune. They bring top local vendors into a bidding war for your business, providing the best deals without sacrificing quality. This can drive the cost down on windows for you by orders of magnitude.
Slash the cost of new windows by tapping into hidden rebates, unlisted discounts, and local incentives most homeowners don’t even know exist.
You might be eligible if you check these 3 boxes:
- You own your home.
- Your windows are 6+ years old.
- Your ZIP code qualifies.
Home Repairs: Don't let home repairs drain your bank account
Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more. Not being able to make repairs could leave you in a bad situation — but a home warranty could protect you against surprise expenses.8 <p>Limitations and Exclusions Apply</p>
Whether you’re a brand-new homeowner or you’ve owned your home for years, a plan from Choice Home Warranty could pick up the slack where homeowner’s insurance falls short.
If a covered system in your home breaks down, you can call their hotline 24/7 for assistance to get it repaired. They have a network of over 15,000 technicians that can assist you, making sure any issue can be taken care of swiftly — without breaking the bank.
Not sure if it’s for you? Rest easy: they were named one of the "Best Home Warranty Companies" by US News 360 Reviews and were awarded Best Company's 2020 Consumer's Choice Award. For a limited time, you can get your first month free when you sign up for a Single Payment home warranty plan.
Leaving Cash on the Table: Earn a $300 bonus offer when you open and fund this powerful account
We hate to tell you this, really. But if you aren’t using Bank of America Advantage Banking, you could be missing out on extra cash. Don’t worry though … it's easy to fix.
Earn a $300 bonus when you open an account through the Bank of America promotional page. This offer is available online only and may not be available if you leave this page, visit bankofamerica.com, visit a Bank of America Financial center, or if you call the bank. See offer page for more details. Bank of America, N.A. Member FDIC.
Besides potentially earning a nice bonus, you’ll also get access to Bank of America’s highly-rated mobile apps, thousands of ATMs and financial centers, 24/7 security with Total Security Protection® and fraud monitoring, and much more.
This is practically passive income and a great way to supercharge your earnings. Hurry, this is a limited-time offer and is only valid through 5/31/2025.
