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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.
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.1 <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.
Credit Card Debt: Transfer your balance and pay no interest for 21 months (yes, it is kind of remarkable)
Imagine getting 21 months with 0% intro APR on balance transfers (APR then 18.24% - 28.99% (Variable)). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading low-interest cards - the Citi Simplicity® Card - and pay no interest until 2027 on 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 21 months on balance transfers (APR then 18.24% - 28.99% (Variable); balance transfers must be completed within 4 months of account opening). 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 Citi Simplicity® Card is accepted by 99% of merchants, boasts no late fees, and has no annual fee.
Click here to apply now for the Citi Simplicity® Card(Rates and fees)
Home Equity: None Homeowners borrow from your home’s equity
Home equity loans are surging in popularity with homeowners with great credit to pay down high-interest debt quickly or make home improvements.
The best part is you can actually keep your current mortgage rate by getting a home equity loan with this genius program!
No hassle. No expensive fees.
Calculate your equity amount and lock in your rate today!
How to get started:
- Check out the Rocket Mortgage Home Equity tool.2 <p>Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.</p>
- Answer a few questions about your home.
- Lock in your personalized rate and payment.
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.3 <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.
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.
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
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.
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 insurance4 <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.
Not Tracking Your Spending: Get the budgeting app that truly does it all
Ever look at your bank account and wonder where your paycheck went? *Poof,* it's gone … and you have NO idea how you spent it all so quickly.
The personal finance app Monarch can help end that problem for you.
The Monarch app is like your personal finance guardian. It gives you an eagle-eye view of your money so you can track your cash flow, tackle your debt, and more.
The best part? It’s designed for real people (not spreadsheet lovers). Flexible budgeting tools help you stay on track, and simple diagrams help you visualize your patterns.
Enter your email to get started. Then, set up your free 7-day trial and link your accounts easily and securely.
Pricing: Monarch is a paid subscription, but you could easily offset that cost by improving your budgeting and savings. And there’s a zero-risk trial to test-drive it.
BONUS: Travel more in 2025 with this incredible travel credit card and pay no interest into 2026!
2025 could be the year you finally travel to the exotic destinations you've long dreamed of. And you could do it all without paying interest for a long time, thanks to the Capital One VentureOne Rewards Credit Card(Rates and fees).
This card is a powerhouse that supercharges your hard-earned spending. Become a Capital One VentureOne Rewards Credit Card cardholder, and you can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening ... all with a $0 annual fee.
This card also offers an additional benefit of an extended intro APR of 0% for 15 months on purchases and balance transfers (then 19.24% - 29.24% (Variable), balance transfer fee applies). Apply, spend, travel, and enjoy the extended intro APR.
Recommended Credit 670+: Click here to apply now for the Capital One VentureOne Rewards Credit Card
