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20 Clever Money Moves Almost Any Parent Can Make

Last updated May 12, 2026 | By FinanceBuzz Editors

Parenting already comes with enough expenses — from school supplies to soccer fees — but the smartest parents aren't just cutting costs, they're making their money work harder.

The truth is, most families are overlooking powerful tools that could ease the financial load and build long-term security for their kids. Whether you've got toddlers or teens, these clever strategies can help stretch your income, boost savings, and unlock value from everyday decisions you're already making.

Smart Money Moves Every Parent Can Try to Start Building Generational Wealth

Claim the Child Tax Credit: Eligible families could claim thousands per year in tax credits — even if they owe little to no taxes — just for having eligible dependent children.

Use an HSA or FSA for Kid-Related Costs: Qualified medical, dental, and childcare expenses can often be paid tax-free through a health savings or flexible spending account.

Open a 529 Plan Early: Saving even small amounts in a tax-advantaged education account can grow significantly over time — and withdrawals are tax-free for qualified education expenses.

Leverage Dependent Care Credits: If you’re paying for daycare, summer camps, or after-school care so you can work, you may be eligible for a federal tax credit worth up to $6,000.

Buy in Bulk and Share: Partnering with other parents to buy essentials — like diapers, snacks, or school supplies — in bulk can lead to major savings over the year.

Whether you're budgeting for baby gear or saving for college, explore these smart money moves — and see what other moves could help you from our trusted partners below:

Save potentially $1,000 or more on home insurance in Ashburn

Most people don't even think twice about what they pay for home insurance. Huge mistake. Especially if you want more money in retirement. If you live in Ashburn and you haven’t checked rates recently, you could save potentially $1,000s.

Provide Home Insurance is actively helping homeowners score huge savings on better home insurance. They bring top insurance providers together to compete for your business, potentially giving you a better deal. This could drive the cost down for you by orders of magnitude.

You could slash the cost of home insurance by tapping into potential discounts and incentives most homeowners probably don’t even know exist.

You might be eligible if you check these 3 boxes:

  1. You own your home.
  2. You are willing to switch providers to save money.
  3. Your ZIP code qualifies.

Complete this short questionnaire to see if you qualify

Refinance, tap your equity, or buy your next home — with an experienced lender that’s funded $71.5 billion in loans

If you want to refinance, access your home's equity, or purchase a new home, make sure you choose the right lender. The one you work with directly impacts how much you save, how fast you close, and how smooth the process feels.

New American Funding has funded over $71.5 billion in home loans to date. They’re a direct lender (not a middleman) which means they can offer competitive rates, fast approvals, and personalized service. They even have 4.88/5 stars from 400,000+ reviews on experience.com.

Lower your monthly payment, pull cash out, or finance a new home — New American Funding gives you the best options you qualify for. There is no login, no registration, and no documents required. Just a few quick questions to see what you qualify for.

Competitive Rates for FICO Scores 580+: Check your offer easily here

Get the budgeting app that truly does it all

You think you're doing fine financially. You pay your bills, you save some money, and you're not eating out every meal. But do you really know exactly where your money’s going?

Monarch lets you visualize your spending with intuitive diagrams. Most people are scared to look. But once you see exactly where every dollar goes, you can finally take control.

This powerful all-in-one budgeting app is not only great for tracking, but gives you a true view of all your assets in one place, and our editor Greg loves it.

“I love Monarch Money. It was such an easy way to see where my money was going vs building a budget from scratch. The real value is giving my wife access so we can both follow along together!”

Monarch’s money tools are top-notch, which means they do come with a cost — as low as $8.33/mo. But you can get started today with a 7-day free trial. Plus, get 50% off your first year of Core Plan with code MONARCHVIP.

Try Monarch for free today and get 50% off your first year of Core Plan with code MONARCHVIP

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

American Hartford Gold is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.1

Take control of your legacy today in 3 easy steps:

You're in good hands, as they boast an A+ rating with the BBB, are ranked #1 gold company on the Inc. 5000 list, and are exclusively endorsed by Bill O’Reilly. A minimum investment of $15,000 is required to get started. Take control of your savings and download your FREE Gold IRA Guide today.

Stop getting ripped off by credit card companies

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

If that’s you, a company called LendingTree2wants to help.They can match you with loan providers that could help you pay off your debt quickly.

Think about it this way: For example, $30,000 in credit card debt at 25% APR will cost you $622.60 every single month in interest alone. But, with a rate as low as 6.50% APR (possible through LendingTree’s lenders), you’d only pay $160.69 interest.

That’s over $460 a month you’d get to keep for yourself in this scenario! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have a 4.5/5 rating on TrustPilot with more than 15,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

See if your $30K+ credit card debt is eligible for options with LendingTree

Virginia residents, save big on new windows

Old windows drive up your home's electric bill. But if you live in Virginia and your windows are 5+ years old, you could save big.

Renewal by Andersen is actively helping homeowners score huge savings. Their certified master professionals install high-quality, energy-efficient windows that could help reduce energy bills and improve comfort.

They make it extremely easy to upgrade your windows with financing options available and special limited-time offers. The entire process is hassle free.

Get started now if you check these 3 boxes:

  1. You own your home.
  2. Your windows are 5+ years old.
  3. You live in an available ZIP code.

Complete this short questionnaire to get started

BONUS: For a limited time, buy one get one 40% OFF.3 Plus, get $200 off your purchase!3

Earn a $5,000 bonus with this checking account

We hate to tell you this, really. But if you aren’t banking with HSBC, you’re missing out on extra cash — as much as up to $5,000. Don’t worry though … It's easy to fix.

Earn up to a $5,000 Direct Deposit Cash Bonus when you open an HSBC Premier checking account by June 30, 2026. Add New Deposits to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account by June 30, 2026, and maintain the New Deposits through September 30, 2026.4

  • Get a $1,500 Cash Bonus: Add and maintain New Deposits of $150,000 to $249,999
  • Get a $2,500 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999
  • Get a $3,500 Cash Bonus: Add and maintain New Deposits of $500,000 to $999,999

  • Get a $5,000 Cash Bonus: Add and maintain New Deposits of $1,000,000+

HSBC is a premium bank you’ll love. You’ll pay no foreign transaction fees on purchases when you use the HSBC Premier Debit World Mastercard® card. And you’ll get access to wealth solutions, insights and advice from an HSBC Wealth Relationship Manager.

This is a great way to supercharge your earnings. But hurry, this up to $5,000 Direct Deposit Cash Bonus won’t last forever. Open an account today and connect direct deposit to take advantage of this significant bonus while it lasts!

Open your new HSBC Premier checking account here

Ask this company to help you pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

Easy Tax Relief is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Easy Tax Relief talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Answer a few questions to get started

Turn your home’s value into extra cash

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

But with interest rates rising in recent years, a cash-out refinance or home equity loan may not make financial sense.

Here’s a potential solution: Get a home equity line of credit (HELOC) instead.

Using LendingTree’s simple HELOC matching tool2 (yes, the company from the commercials), you can compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

To get started:

  1. Check out LendingTree’s HELOC matching tool.
  2. Answer a few questions.
  3. Be matched with personalized offers for you.

Visit LendingTree

Earn a $200 bonus with this incredible cash back card

The Chase Freedom Unlimited®(Rates and fees) lets you earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. 

In addition to this 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 18.24% - 27.74% Variable. Oh, and the annual fee is $0. 

It's almost a no-brainer to apply. 

Good or excellent credit (typically 670 or higher) is recommended.

Click here to Apply Now to the Chase Freedom Unlimited®

Don’t pay a CENT to contractors for home repairs until you do this

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway, especially if you want to retire soon. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your furnace breaks down during a cold snap. Instead of paying up to $3,000 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and the tech comes over and fixes it right away. This could save you up to $2,900 almost instantly!

Choose a plan here and you can lock in their ultra-low 2025 rates. Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.5

Choose a plan from Choice Home Warranty here and lock in 2024 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

Set up direct deposit and complete qualifying activities - pocket $400

If you aren't banking with Truist, you're missing out on a boost of extra cash just by following a few simple steps.

Earn a bonus of $400 after you open a new Truist One Checking account online between March 26, 2026 and July 9, 2026 using promo code AFL400TR1Q226.6To earn the $400 bonus, your account needs to receive at least 2 qualifying direct deposits totaling $2,000 or more and complete 20 qualifying debit card purchase transactions within 120 days of account opening. The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Terms apply.

This is a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above. Plus, your new account offers benefits like no overdraft fee and options to avoid a monthly maintenance fee on top of the bonus.

Open your account and earn a $400 bonus