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Have you stuck to any of the financial goals you set for 2022?
If not, no shame. But let this post serve as your glaring reminder that NOW is the best time to take action. It's far from too late to start building wealth in 2022 ... but if you don't make these moves ASAP, you'll kick yourself come 2023.
Thing is, most of them are seriously easy. Here's what to do:
Pay no interest on balance transfers until 2027
Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 17.49% - 27.49% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card.
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 your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 17.49% - 27.49% (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!
It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.
The best part? There's no annual fee with the Citi Double Cash® Card(Rates and fees).
Cancel your car insurance
We've got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $600. To find out if you're losing up to $600 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.
Earn a limited-time $300 bonus with this incredible cash back card
Limited Time Offer: For a limited time, the Chase Freedom Unlimited®(Rates and fees) is offering a powerful welcome offer: earn a $300 bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer). This is an incredible offer from Chase — do not miss it.
In addition to the welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.
And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0. It's almost a no-brainer to apply. Click below to get started.
Take this quiz to get matched with a financial advisor to help you thrive in a recession
If your investments and retirement accounts are more than $500,000, compare up to 3 fiduciary financial advisors who serve your area and hire the pro who fits your unique needs.
A study by legendary investment firm Vanguard found that, on average, a $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you enlist professional help.
Here’s how to find a financial advisor in the next five minutes:
1. Take this 5-minute retirement quiz from SmartAsset. (Yes, there are a fair amount of questions but they are all easy.)
2. Make sure you enter your zip code towards the end so you get matched with up to three financial advisors1 <p></p>SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. SmartAsset’s services are limited to referring users to third party registered investment advisers and/or investment adviser representatives (“RIA/IARs”) that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. SmartAsset does not review the ongoing performance of any RIA/IAR, participate in the management of any user’s account by an RIA/IAR or provide advice regarding specific investments.</p>
<p>We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors</p> who serve your area.
3. Once you’ve got your matches, get a free consultation with each!
Paid Non-Client Promotion
Pay off $10,000 or more of your debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.
How to get National Debt Relief to help you resolve your debt:Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you take the first step.2 <p>Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. “Debt-free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Average program completion time is 24–48 months; not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. ©️ 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <b><a href="https://www.nationaldebtrelief.com/licenses/">Click here</a></b> for additional state-specific disclosures and licensing information.</p>
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