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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.
Innocent Daily Conveniences: Simple things that drain your bank account
Daily Coffee Runs: Fair to say it’s okay to get a little treat every once in a while. But a $6 latte every morning runs up to $2,000 a year. $2,000! You could buy a high-end espresso machine with that cash and still come out ahead.
The Lottery and Get-Rich-Quick Gimmicks: The lottery isn’t a financial plan, and no, that $1,500 online course won’t make you a millionaire. Focus on real wealth-building strategies.
Premium Gas for Cars That Don’t Need It: If your car doesn’t specifically require premium gas, you’re just wasting money. It won’t make your engine last longer or improve performance.
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: Pay no interest on purchases and balance transfers 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.
Ohio homeowners: Wasting your biggest asset
If you want to renovate your home or consolidate debt, you could get a loan. But if you own a home in Ohio and have decent equity, you need to see this instead. This popular program lets you tap into up to $400,000 fast, without affecting your mortgage rate or getting into more high interest debt.
Rocket Mortgage is actively helping homeowners use their home’s equity to wipe out toxic high interest debt or finally tackle big home upgrades. Their tool finds your lowest eligible fixed rate and gets you the money you need so you can use it immediately. No hidden fees. No long waits. No hassle.
Slash your interest burden and fix what’s broken without giving up your current mortgage rate.
You might be eligible if you check these 3 boxes:
- You’ve owned your home for 2+ years.
- You’ve built some equity.
- Your credit score is 680 or higher.
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.2 <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.
Mindless Recurring Expenses: Don’t pay for what you don’t use
Storage Units: If you haven’t needed it in a year, why are you paying rent for it? Sell it, donate it, or admit you’re just hoarding junk in a different location.
Expensive Gym Memberships: If you’re not going at least twice a week, just cancel it already. Home workouts, outdoor runs, and basic weights could get you 90% of the same results for free.
Bottled Water: Can’t believe we even have to say this. But if you have access to clean tap water, you’re wasting money every time you buy a bottle. Get a reusable one and stop paying for something that’s essentially free.
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.
Services and Upgrades: Do you really need these things to be happy?
Sneaky Subscriptions: Netflix, Hulu, Disney+, Max, Apple TV, Paramount+ … chances are you’re not even watching half of these. Cut it out. Choose one or two and stop auto-renewing free trials you forgot about.
Upgrading to the Latest iPhone: Unless your phone is literally falling apart, there’s no reason to drop $1,000+ on a new one just because Apple added a slightly better camera. Your current phone is fine.
Designer Clothes and Sneakers: Dropping $300 on the latest sneakers or fast fashion trends just to keep up? You’re only filling your closet with overpriced clutter. Invest in quality, sure — but not hype and status.
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.
Save Instantly with Cash App Card: Save at places you already shop — in stores and online, and unlock access to exclusive events, presales, and more.
Get your free3 <p>Free Cash App Cards come in black or white.</p> Cash App Card. Choose a card style, then customize it with exclusive stamps, emojis, or even draw on it.
Get exclusive perks and instant discounts on everyday spending in person and online.
Say goodbye to hidden fees and overdraft fees.4 <p>No fee overdraft coverage of up to $200. Overdraft coverage and additional Cash App provided benefits are available when you direct deposit at least $300 each month.</p>
Cash App has 4.8/stars and is an Editor's Choice on the App Store!
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
Getting a Credit Card to Earn Cash Back: Earn up to $360 on everyday purchases without a credit card
You can now earn cash back on everyday purchases without using a credit card. With the Discover® CashBack Debit One Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!5 <p>See website for details.</p>
You don’t have to worry about a credit check to apply, and there are no monthly fees. Start earning nearly passive income on purchases you’re making anyway — up to an extra $360 a year!6 <p>See <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">Deposit Account Agreement</a> for details on transaction eligibility, limitations, and terms.</p>
There are other great perks too, like getting access to your paycheck up to 2 days early, and no minimum deposit or monthly balance requirements.
Don’t wait to apply: In 2022, Discover temporarily suspended new account applications. Luckily, they reopened applications again. (But you shouldn’t wait to apply!)
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.7 <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.8 <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>
Not Separating Business and Personal Accounts: Make sure you do this one thing if you’re self-employed
If you’re self-employed, it’s important to separate your business income and expenses from your personal transactions so that you can cleanly track write-offs, plan for taxes, and understand your business health. For this reason, we recommend opening a fully separate business bank account.
This business banking account is a top contender and it might be one of the best accounts for self-employed people.9 <p>Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc.</p> For example, your expenses get automatically tracked as you spend, which helps you to find write-offs and you can even automatically set aside money for taxes as soon as you’re paid. Together, this helps you keep tabs on your estimated quarterly taxes and make sure you’re saving cash to pay that tax bill throughout the year.
The account is from a company called Found. There are no required monthly fees10 <p>Found's core features are free. Advanced, optional add-on bookkeeping software available for $19.99/month or $149.99/ year. There are no monthly account maintenance fees, but transactional fees for wires, instant transfers, and ATM apply. Read more <a href="https://found.com/legal/fee_schedule">here</a></p> and you can easily connect to other payment apps like Venmo, Cash App, PayPal, and Square. Even better: you can even create up to 20 virtual debit cards to manage your spend across different categories. Nobody else is doing self-employed banking like this. Seriously, go check it out.
Scams and Fraud: American adults lost $47 billion to scams and fraud in 2024
That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2024.
But you can safeguard your data with all-in-one scam and fraud protection services from Aura which comes with up to $1,000,000.00 in identity theft insurance11 <p>The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the <a href="https://www.aura.com/legal/insurance-summary-of-benefits">Summary of Benefits</a>.</p> per adult, to cover eligible losses and fees should you experience them.
Plans start at $7 per month, and you can choose a family plan that outmatches most others — including 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.
Paying $1,000s in Car Repairs: This company could help you save $1,000s
Too many car warranty companies promise to save you tons of money on repairs. But then they fail to save you anything at all, and end up being a huge headache. Ugh.
By contrast, Complete Car Warranty is one of the most legit ones we’ve found. They’re ranked a Top 10 Car Warranty by Consumer Advocates for 2025, and could help you save $1,000s in expensive car repairs.
Think about it. Your car is one of the most expensive things you’ll own. After your dealership warranty ends, you could be left in a rough spot … some auto shops charge as much as $175/hour, and that’s just for labor.
How to save potentially $1,000s on car repairs:Enter a few details about your car here. Then, a real human will call you and help you select an option that actually makes sense for your car — not just some overpriced upsell.
Get a free quote here and save potentially $1,000s on car repairs
Market Volatility: Help protect your savings from stock market volatility with gold
The economy feels more fragile by the day. Debt, tariffs, and general instability have investors on edge. But now, JPMorgan projects gold could surge to $4,000/ounce.12 <p>Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.</p> That could mean trouble for traditional portfolios, but potential for you if you position yourself ahead of the curve.
American Hartford Gold helps Americans protect and grow their retirement savings with gold and silver. They’ve delivered billions in precious metals, earned an A+ BBB rating, and offer a Price Protection Guarantee — if gold drops after your purchase, you get the difference in coins. Just submit your request within 7 calendar days of your purchase date.
With a Gold IRA, you can roll over part of your retirement account (like a 401(k) or IRA) into physical gold tax and penalty-free. You'll even receive up to $20,000 in FREE silver delivered to your front door on qualifying purchases.
Get started with gold:Download American Hartford Gold’s FREE investors kit. There's no cost to request it, but doing so could help protect everything you've worked for. (Minimums apply: $10,000 for Gold IRAs, $5,000 for cash accounts.)
Overpaying on Windows: Ohio residents could save a fortune on new windows
Old windows drive up your home's electric bill. But if you live in Ohio and your windows are 5+ years old, you could save $1,000s.
WindowsUSA is actively helping homeowners score huge savings on new windows. 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 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 5+ years old.
- Your ZIP code qualifies.
Overpaying for Healthcare: Stop paying all of your out of pocket healthcare costs with Medicare Supplement Insurance
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.13 <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
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.14 <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.
BONUS: Transfer your balance and pay no interest for 21 months from date of account opening (yes, it is kind of remarkable)
Imagine getting a 0% intro APR for 21 months from date of account opening 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 from date of account opening 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)
