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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 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 nearly 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 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.1 <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.
Internet & Cell Phone Bills: Use This App to Automatically See if You Can Lower Your Bills
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.
An app like Albert could end this problem for you. With Albert, you get an automatic analysis of your transactions to help you maximize your money and savings.2 <p><b>Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Try Albert for 30 days before you’re charged. Plans start at $11.99/mo. Fees auto-renew until canceled. Cancel in the app at any time. Terms apply.</b></p>
Yes, Albert *is* free for the first 30 days … but the real money-saving power is found once you join their $11.99/month premium subscription. It unlocks suggestions on where you could be saving even more money and the ability to cancel unwanted subscriptions.
You’ll even get timely alerts to monthly fees or bill increases, so you can act on those increases as soon as possible — and save yourself even more extra cash.
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 insurance3 <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.
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
Home Equity: None Homeowners borrow from your home’s equity to pay down high-interest debt
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 LendingTree’s Home Equity matching tool.4 <p>LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2024 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. </p>
- Answer a few questions about your home.
- Lock in your personalized rate and payment.