It’s a great time to take a closer look at your finances and put together a plan for the new year. And we think 2022 could be ripe with plenty of money-making opportunities, too.
If you’d like to start making big money moves now, we’ve compiled a list of six ways you could boost your finances and grow your wealth in 2022.
Pocket this $200 online cash rewards bonus offer
After spending $1,000 in the first 90 days of account opening. If you’re new to credit cards, the idea of juggling multiple cards can be downright stressful. This innovative card actually lets YOU choose the spending category where you want to receive the highest cashback rewards rate each month.
With the Bank of America® Customized Cash Rewards credit card, you can earn 3% cash back in the category of your choice — dining, drugstores, gas, home improvement/furnishings, online shopping, or travel (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter). That's one of the best and most flexible cashback options available!
Plus, new cardholders can get a one-time cash bonus — earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of account opening. Use your card just for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.
The best part? There's no annual fee.
Prepare for market volatility by diversifying in gold
Stock market volatility can be financially damaging, especially as you near retirement. You could move your investments into a savings account, but have you seen interest rates lately? Another option to consider — diversify with gold.
Gold values are inversely correlated with the stock market and the dollar. When one goes down, the other usually goes up. If you want to protect your retirement funds, having diversified investments may be able to help you weather market swings.
Gold Alliance is a reputable precious metals dealer that specializes in precious metals IRAs. They make it simple to transfer funds from your current retirement account (like a 401(k) or IRA) into a precious metal IRA — with no taxes or penalties.
Gold Alliance offers a free gold information kit to help you learn more about why gold and silver could be a smart choice for diversifying your portfolio, and how the process works.
Ditch your mortgage lender
Yep, we said it. If you want to save a ton of money next month — $100, $200, $500 — you should ditch your current mortgage right now.
Our new tool will help you compare mortgage offers and rates and could help you simplify refinancing your mortgage. Which means you could slash your interest rate, lower your monthly mortgage payments and even build equity in your home faster… all so you can save money and free up breathing room in your budget.
You could even take advantage of a cash out refinance for massive savings. The money you get could help you crush your high-interest debt for good. Or you could take advantage of that potentially lucrative investment opportunity that you now have the cash for. The possibilities are endless, but you’d be crazy not to see how much you can get just by refinancing.
Build wealth better than the 1%
The 1% doesn’t deserve all the riches. So why do we keep letting it happen?
Worthy is an email newsletter that teaches you how to invest smarter, earn more money, and live the life you want. It’s for the rebellious, the radical, the 99%er who fights like hell to earn their keep. Easily consumed in less than 5 minutes a day, you’ll get the latest financial resources, news, and money trends that could impact your wallet for years to come.
BONUS: Cancel your car insurance
We’ve got bad news. You could be wasting $500 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. On average, we find around $500 a year in savings for drivers. 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 $500. To find out if you’re losing up to $500 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.