19 Things to Cut When Money Gets Tight (Most People Ignore #11)

Last updated Oct. 17, 2026 | By FinanceBuzz Editors

Your money is getting tight. Prices are going up. And figuring out what to cut back on can feel overwhelming.

Here's what you can do:

Read our list of money-saving strategies below, and start with one or two today. Even doing just one can help you breathe a little easier:

Car Insurance: Ohio Driver? Cancel your car insurance

Before you renew your current car insurance policy, you owe it to yourself to see what else is out there. Many drivers stick with the same provider for years without checking if they could pay less … and that's exactly how you could end up missing opportunities to save.

Getting a Farmers quote takes just a few minutes, and what you find could surprise you. People who make the switch could end up saving up to $550 on average.¹ Based on average nationwide annual savings of new customers surveyed, excluding HI, SC & Farmers GroupSelect℠, from 2/1/23 to 9/19/24 who switched their Auto insurance policy to a Farmers® branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product. That could be real money back in your pocket every single month.

If you want to see if you could be paying less with Farmers, here's what to do:

Click the link below and enter your zip code.
Answer a few quick questions about your car and driving history to get matched with a quote.
If you find a better rate, switch your policy and start saving.

Get your quote now and see if you could pay less for the same coverage.

Quick Tip

Don't forget to cancel your old policy so you're not paying double

Cut Credit Card Debt: Stop paying high interest

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to pause credit card interest into 2028 ... and it could have a bigger impact than you think.

Discover it^® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 17.74% - 26.74% (Variable); Balance transfer fee applies.) That's right, you could finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges ... all with no annual fee.

But it doesn't end there. The Discover it^® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Plus, Discover will match all the cash back you’ve earned at the end of your first year.

Apply now for the Discover it^® Cash Back card

Quick Tip

According to a U.S. News report using Experian data, the average American carrying a

$6,735 credit card balance

at a

22.25% APR

could pay over

$1,248 in interest

just to pay it off. With an introductory 0% APR offer on eligible purchases or qualifying balance transfers, you help avoid interest charge during the intro period, allowing more of each payment to go toward the balance.

Sources: U.S. News Money (2025)

Old Bank Accounts: Set up direct deposit - pocket up to $400

Set up an eligible direct deposit with SoFi Checking and Savings and you could earn a bonus of $50 or $400. Make the switch, set up eligible direct deposit, earn the bonus. It basically takes no extra work at all other than following these steps.

Why people are switching: This account earns up to an insane 4.20% APY² Earn up to 4.20% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.30% APY as of 9/23/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC. on savings for up to six months (3.30% APY standard + 0.90% APY boost) on top of that $50 or $400 bonus.³ New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at <a href="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Rate-Sheet-September-23-2026.pdf">http://www.sofi.com/legal/banking-rate-sheet</a>. That's way better than the measly 0.38% APY (as of 06/15/26)⁴ Based on <a href="https://www.fdic.gov/national-rates-and-rate-caps">this</a> FDIC data, as of 6/15/26. national average savings accounts offer.

No monthly fees and no surprises. Open your account and earn up to a $400 bonus

Lame Credit Card Bonuses: Try this one instead that lets you earn a $200 bonus + up to 5% cash back!

Apply for the Chase Freedom Unlimited^®(Rates and fees) and you could earn a $200 bonus after spending an easy $500 in the first 3 months. This card is criminally underrated with one of the best spend-to-bonus ratios we've ever seen. The bonus is worth almost half the spend!

No additional work is required. Apply for the card, see if you're approved, spend $500 within 3 months, and earn a $200 bonus. Boom!

The Chase Freedom Unlimited^®(Rates and fees) also 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.

Plus, if you want to finance large purchases or pay down high-interest debt, you can also do that with this card. Take advantage of 0% intro APR on purchases and balance transfers for 15 months. After the intro period, the APR is 18.49% - 27.99% Variable. Do not skip this card, it's a sleeper hit with insane value and NO annual fee.

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

Click here to Apply Now to the Chase Freedom Unlimited^®

Card Highlights

$200 Bonus

after spending $500 in purchases in the first 3 months

cash back on travel purchased through Chase Travel℠

Annual Fee

Intro APR

0% Intro APR for 15 months, 18.49% - 27.99% Variable APR after

Spending $1,000s to Repair Water Damage: How Ohio homeowners are preventing roof rot, mold, and foundation damage for good

Most homeowners think of gutters as just a cleaning chore. The bigger risk is what happens when they clog. Overflowing gutters can lead to water damage, roof rot, mold, even foundation problems, the kind of repairs that run into the thousands.

If you own a home in Ohio, HomeBuddy offers a powerful, one-of-a-kind gutter guard built to prevent exactly that. Their micromesh filter keeps common debris out, so your gutters stay clear and your home stays protected. And because it actually works, you may be able to stop hiring gutter cleaners altogether. The company will even clean out and realign your gutters before they install.

Don't waste money on cheap, ineffective guards that claim to be clog-free. This one's built to last.

See if you qualify today: Click the link below, enter your ZIP code and home info, and a representative will reach out to schedule a free estimate.

See if you qualify

Limited Time Offer: Earn a $250 Bonus with this no annual fee card

Right now the Chase Freedom Flex^®(Rates and fees) lets you earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer).

In addition to this welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% 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 — this card might the best-in-class amongst similarly-featured credit cards, especially with the bonus.

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

Click here to Apply Now to the Chase Freedom Flex^®

Expensive Loans: Get up to $185,000 from your home equity affordably instead

Homeowners in 2025 hold a surprising amount of equity ... an average of $185,000 they can tap into! This popular program from Rocket Mortgage⁵ Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states. lets you unlock cash from you home's equity by replacing your current mortgage with a new one and pocketing the difference.

Best for homeowners with a high mortgage rate looking to pull cash out from their equity. You keep a single loan and a single payment — no second bill stacked on top. And because it's your primary mortgage, the rate is typically lower than a HELOC or home equity loan, and fixed so it won't climb. Trustpilot Rating: "Excellent" 4.5/5, with over 41K reviews.

Get started by following three easy steps:

Click below to check out Rocket Mortgage’s Home Equity tool.⁵ Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.
Answer a few questions about your home.
Once you qualify, lock in your personalized rate and payment.

Compare real offers for $0

Overpaying on a New Bathroom: Get the best price on your bathroom remodel with free quotes

Looking to remodel your bathroom? Get your free quote and compare prices from top local pros in your area. Homeowners in available ZIP codes could find great deals on their bathroom renovation.

Modernize connects you with local remodeling pros who compete for your business, which could help you get a better price. Take a minute to compare quotes and see what your bathroom remodel could cost.

If your bathroom is outdated, remodeling could improve the resale value of your home and your everyday comfort. Every homeowner should compare quotes to see what a new bathroom could cost.

Get your free quote to get started

High Interest Debt: Ask this company to help pay off your credit card debt

If you have $30K or more in debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

First Advantage could help. If you have credit card debt, medical bills, collections, or personal loans, their Certified Debt Specialists might be able to help you settle your debt for less than you owe with one low monthly program payment.

Best of all? The consultation is free with no obligation, and you could be on your journey to debt relief within a few days. To get started, just answer a few simple questions to see if you qualify!

See if your $30K in debt qualifies for this program

Expensive Timeshares: Timeshare owners could claim a cash refund. Check to see if your resort is on the list.

If you’re stuck in a timeshare contract, you’re not alone. The average timeshare owner pays roughly $1,200 a year in maintenance fees,⁶ Based on American Resort Development Association (ARDA) industry data. National average annual timeshare maintenance fee estimated at approximately $1,120 to $1,200 per one-week ownership interval. special assessments, and processing charges. But depending on how your contract was sold, it may be eligible for cancelation ... and you could be owed a cash refund and a possible way out of the contract.

The Stonegate Firm helps consumers seek to cancel their timeshare for good, and reviews whether any fees they paid may be recoverable, even if you’re behind on payments. Their attorneys look for potential violations in your contract, then negotiate directly with your resort.

Cancel your timeshare and possibly even get your money back!

Answer a few questions about your timeshare and contract.
A Stonegate Firm specialist reviews your case and contract.
If you qualify, they pursue an exit strategy on your behalf, which may include a cash refund.

Every year you wait is another bill you may never get back. The Stonegate Firm is BBB Accredited with an A+ rating.

Check your eligibility free - 30 second assessment

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 fiduciary advisors who serve their area, so they can compare and decide which advisor to work with.

Paid Non-Client Promotion

Paying $1,000s Extra on a New Shower: Try this free service helping homeowners in Ohio get a walk-in shower

Your shower should be easy to get in and out of. But if it’s outdated, has a tub that’s hard to step over, or hasn't been updated in years, it might be time to make a change. And a walk-in shower does a lot more than just modernize your bathroom.

Here's what a walk-in shower could do for you:

Remove the tripping hazard of stepping over a tub edge
Lower your water bill, since showers use far less water than filling a tub
Stand up to daily use with fewer parts that can break than a traditional tub setup
Give your bathroom a cleaner, more modern look that makes the space feel bigger
Possibly add resale appeal, since updated bathrooms are among the features buyers tend to look for

If you own a home in Ohio, HomeBuddy makes it easy to get started. Answer a few quick questions to see if you qualify, and get connected with pre-screened local contractors in your area.

Do you qualify? Check these 3 boxes:

You own your home.
Your tub or shower is outdated or hard to use.
You live in a qualifying ZIP code.

Get your free estimate to get started

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.

Expensive Mortgage Payments: Save $28,000 over the life of your mortgage

Too many buyers overpay on their mortgage without even knowing it. Rates and fees vary wildly from lender to lender, but nobody has time to call around and compare, so they might just accept the first offer and hope for the best. Now there's a free service that does the hard part for you.

It's called Own Up, and it compares mortgage offers from a network of top-rated lenders so they compete for your business and you can pick a great deal.⁷ Own Up is a mortgage lead-generation and comparison service. RateGravity, Inc. d/b/a Own Up arranges introductions to participating lenders but does not make loans or credit decisions. Own Up is compensated by participating lenders. Own Up matches you with participating lenders based on your profile. Lender participation varies and does not guarantee multiple offers or competitive bidding. Not all lenders, products, or shopping experiences are available, and availability may vary by consumer profile and loan program. Rates, terms, and availability vary. Lender ratings reflect consumer reviews and/or third-party data. RateGravity, Inc. d/b/a Own Up NMLS #1450805. For consumer information, visit <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org.</a> You fill out a quick 5-minute profile (no hard credit pull),⁸ Exploring options with Own Up does not require a hard credit inquiry; however, a lender may require a hard inquiry and additional personal information, including a Social Security number, to proceed with an application. get matched with top-rated lenders, and see the comparison side by side.⁹ Shopping experiences is offered to select customers only, your interaction with Own Up might not include shopping experience. Not all lenders or products are available, and availability may vary by consumer profile and loan program. Rates, terms, and availability vary.

Thnk about it this way: On a $400,000 mortgage at 7.00%, you'd pay over $558,000 in interest over 30 years. Drop that rate just half a percent to 6.50% and you'd pay around $510,000. That's $48,000 back in your pocket, just from shopping around for a better rate.¹⁰ For illustration purposes only. Rates shown are not offers of credit.

Own Up customers save on average $28,000 over the life of their loan,¹¹ Savings are not guaranteed. Results vary based on borrower qualifications, loan terms, fees, and market conditions. See <a href="https://www.ownup.com/methodology">ownup.com/methodology</a> to see how the savings were calculated. and it costs you absoloutely nothing to find out what you'd save.

Own Up is 100% free — there’s no direct consumer fee for Own Up’s service. Own Up is compensated by lenders, not consumers. See what you could qualify for at the link below before you lock in a rate you might regret.

Check your rate in 5 minutes (free)

Expensive Home Repairs: This plan helps protect select Ohio homes from many expensive appliance and home repairs (see if you qualify)

Everyone talks about home insurance, but hardly anyone talks about this. If you live in Ohio and own your home, you could save $1,000s on home repairs without much work at all.

American Home Shield is currently helping homeowners slash appliance repair bills. Instead of paying $1,000s, you pay for a monthly plan and a simple one-time service fee per covered repair.

Getting a monthly plan could help you tap into immense savings for nearly any system or appliance in your home that’s covered.

Not everyone is eligible for this plan so here’s how to check:

Click the link below and enter your name, address, phone number and email.
Hit the “Get Free Quote” button.
If you qualify, select a plan.

Complete this short form to see if you qualify

Overpriced Roof Quotes: Try this service helping homeowners in Ohio get a roof replacement

Your roof is your home's first line of defense. But if it's more than 15 years old, has leaks, or shows signs of storm damage, it might be time to replace it. And a new roof does a lot more than just keep the weather out.

Here's what a new roof could do for you:

Stop leaks and water damage before they reach your walls and ceilings
Lower your energy bills, since modern roofing seals better in summer and winter
Stand up to heavy rain, wind, and hail
Add curb appeal and resale value
Possibly earn you insurance benefits, since a lot of insurers reward homeowners who replace aging roofs

If you own your home, your roof is over 15 years old, and you live in a qualifying ZIP code, you may qualify.

Getting started only takes a few minutes:

Enter your zip code at the link below and click "get estimate"
Complete the questionnaire about your roof and home (takes just a few minutes)
Enter your name, email, and phone number and submit your request

Complete the short questionnaire to start the process

What happens after you click

Step 1

Enter your ZIP code

Answer a few quick questions about your roof and home.

Step 2

Get matched locally

You're connected with vetted roofing pros serving your area.

Step 3

Review your estimate

A rep schedules your free estimate. You decide if you move forward.

Free estimate No obligation to hire Takes just a few minutes to start

$10,000+ Home Elevators: Get a free stair lift estimate instead and stay in the home you love

If you or a loved one struggles with stairs, do not move to a new house or spend $10,000+ on a home elevator or renovation. An affordable custom stair lift could be a faster solution (and $1,000s cheaper) and this free in-home consultation can help you find one.

Leaf Home Safety Solutions is actively helping senior homeowners get custom stair lifts without spending a fortune. They offer straight, curved, and outdoor options, installed by pros and backed by a limited lifetime warranty. You could stay in the home you love without a renovation.

Skip the stress of researching stair lift companies on your own. Leaf Home brings trained local experts to your door for a free, no-pressure estimate.

You might be a good fit if: 1) You own your home, 2) You or a loved one has trouble with stairs, and 3) Your ZIP code qualifies.

Complete this short form to get started

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.

Losing Money Due to Old Windows: Find out how this free service is helping Ohio homeowners replace old windows

New windows could save you more money than you realize. This is because 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 now. New windows could help you:

Lower your energy bill, since energy-efficient windows let less heat escape than older ones
Possibly add resale appeal, since energy-efficient windows are among the features buyers tend to look for
Give your home a cleaner, more modern look that makes rooms feel brighter

HomeBuddy connects Ohio homeowners with pre-screened local contractors who install energy-efficient windows. Answer a few quick questions to see if you qualify.

You can get started now if: You own a home in Ohio, your windows are 5+ years old, and you live in an available ZIP code.

Start by getting your estimate here - 100% free

Earn 75,000 bonus points — worth up to $1,125 towards travel

If you're planning a trip, apply for the Chase Sapphire Preferred^® Card (Rates and fees) here and you can earn 75,000 bonus points after spending $5,000 in the first 3 months — that's worth up to $1,125 toward travel through Chase Travel℠!

Plus, earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, vacation homes at top brands, gas & EV charging, top streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs); 2X points on all other travel purchases, and 1X points on all other purchases — with a low annual fee of $95 and no foreign transaction fee.

The card could pay for itself quickly: you'll earn up to $100 Chase Travel hotel credit each anniversary year, get a complimentary year of Apple TV (a $180 value, must activate by 12/31/26), and up to $120 toward Global Entry, TSA PreCheck, or NEXUS every four years.

If you travel even once a year, this card could net you $100s in rewards to use toward travel. Don't delay. Apply today!

Click here to apply for the Chase Sapphire Preferred^® Card now

Recommended Credit Score

Good

670-739

Excellent

740-850

Market Volatility: Diversify your hard-earned retirement savings with gold

GoldTrustGuide is actively helping Americans find greater retirement security with precious metal investments like gold. 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 increased by 25%.¹² <a href="https://www.forbes.com/sites/conormurray/2026/01/28/gold-price-surpasses-record-5300-amid-weakening-dollar-fed-independence-concerns/">Source</a> They match you with top-rated providers offering physical gold and silver IRAs with a proven track record during unstable markets.¹³ Investments carry risk, including loss of principal. Past performance is not a guarantee of future performance.

Protect your savings today in 3 easy steps:

Answer 4 quick questions on your goals and timeline.
Get matched instantly with a top-rated provider suited to your goals.
Speak to a specialist for a free, no-obligation consultation.

They hold a Top Rated designation from the Business Consumer Alliance and earn a 4.7-star rating on Trustpilot and 4.8 stars on Google. Get your free Gold IRA match today.

Weight Loss: Save as much as 80% on weight loss meds

If you're finally ready to lose weight, GLP-1s, like Semaglutide and Tirzepatide, could help you shed up to 14.9% of your body weight.¹⁴ <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2032183">Source</a>. Based on a mean result from the STEP 1 clinical trial (Wilding et al., NEJM 2021) of semaglutide 2.4 mg over 68 weeks, used alongside diet and exercise. Individual results will vary. GLP-1 medications require a prescription. And this company we found called ReadyRX gets them to you at around 80% less than name brands.

It might sound crazy, but ReadyRX operates on a cash-only basis and no insurance is required. This is one of the ways they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic® and Zepbound®. (You can pay via credit cards, including Visa and Mastercard.)

Skip the surgeries, diets, and expensive costs of weight loss. Start your journey with GLP-1s at around 80% less than name-brand prices. Plus, your plan is guided by board-certified doctors, 100% online. No insurance required and no hidden fees.

ReadyRX has 5,000+ members and holds a 4.8/5 rating on Trustpilot. They even back their plans with a 28-week weight loss guarantee. All medications are compounded in the USA through FDA-registered pharmacies and 3rd party lab tested.

Limited time offer: Right now, get $100 off your first month with code LMS26.

Take the quiz to get up to 80% off weight loss medications starting at $179/month ($6/day)

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.

Enter your zip code to get started

Credit Card Debt: Pay no interest into 2027 with a no annual fee card

If you're struggling to pay down high-interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There are cards that allow you to completely pause credit card interest into 2027... and the best part is that it could be easier than you think with this new tool.

These extremely powerful cards can give you 0% intro APR for up to an astounding 15 months on purchases and balance transfers. That's right - you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt let your payments go directly to paying down your balance, without piling on additional interest charges - with no annual fee.

Answer a few quick questions, and we'll try to match you with a card that fits your situation.

Free, no commitment, and no impact on your credit score.

See my options (no credit impact)

Missing This Limited Time Offer: Earn 75,000 miles + $300 Capital One Travel credit — worth over $1,000 toward travel

Limited time offer: If you're planning a trip, apply for the Capital One Venture Rewards Credit Card (Rates and fees) here and you can earn 75,000 miles after spending $4,000 in the first 3 months — plus for a limited time, a $300 Capital One Travel stays credit. That's worth over $1,000 toward travel!

Plus, earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases — with a low annual fee of $95 and no foreign transaction fee.

The card could help you offset the annual fee: You'll get a $300 stays credit towards hotel and vacation rental bookings through Capital One Travel in your first cardholder year, a $50 experience credit on every Lifestyle Collection hotel or vacation rental stay, up to $120 toward Global Entry or TSA PreCheck every four years, and complimentary Hertz Five Star status.¹⁵ Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply

This card could help you earn $100s in rewards to use toward travel. Don't delay — this limited time offer won't last forever. Apply today!

Click here to apply for the Capital One Venture Rewards Credit Card now

Recommended Credit Score

Good

670-739

Excellent

740-850

Cut the Wait to Get Your Paycheck: Access up to $150 per day of your paycheck

If you need a few dollars in between paychecks, a little daily cushion can go a long way.

With the EarnIn app you can access up to $150 per day of your paycheck and with a max of $1,000 per pay period period.¹⁶ EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit <a href="https://www.earnin.com/">EarnIn.com</a> for full details

Yes, you read that correctly. You have the option to access your pay as you work and not have EarnIn charge you at all.

You even have the option to access the money within minutes for a small fee.¹⁷ Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. See the <a href="https://www.earnin.com/privacyandterms/terms-of-service/fees">LS Fee table</a> for details.

The best news? There is no credit check, no interest, no late fees – ever.

How to get started:

Visit EarnIn and create an account.
Link your bank and employment info.
EarnIn will verify your paycheck and you’re all set!

Get started with EarnIn here

Paying Full Price on Travel and Restaurants: Not retired? You can still join AARP for massive discounts and your first year is just $15

Think AARP is only for retirees? It isn't. Anyone 18 or older can join, and your first year costs just $15 (about $1.25 a month)! An AARP membership gets you massive discounts on:

Restaurants (save up to $450 per year!)
Airfare, hotels, cruises and rental cars
Meal deliveries
UPS shipping
Eyeglasses and even prescriptions that aren't covered by insurance

Plus you'll also get insider info on health and wellness and you can add a partner for free. That’s twice the perks and potentially hundreds saved for just $15. It basically pays for itself.

Joining takes about two minutes:

Click the link below, choose your free welcome gift, and select "Join Today"
Create your account by answering a few quick questions
Start enjoying your discounts and perks!

Join AARP for only $15 your first year (renews at $20/yr). Start saving today.

Not Realizing Your Phone Can Block Ads: Shut them off across your devices for as low as $1.59/month your first year

Advertisers spent more than $740 billion putting ads in front of you last year. Those ads cost you data, battery, and time. Not to mention many of them creepily tracking you across the internet.

These ads are engineered to move money out of your pocket. But you could shut them off for as little as $1.59/month your first year …

This tool called Total Adblock blocks pop-ups, banner ads, and autoplay videos before they ever load. It also blocks the third-party trackers and cookies advertisers use to follow you from site to site. And it even flags deceptive ads and dangerous links that lead to fraudulent sites.

Independent testing scored it 100 out of 100 for ad blocking. It works on your computer, phone, and tablet, and annual plans include a 30-day money-back guarantee.

Don't keep paying to be advertised to. Block the ads across your devices for as low as $1.59/month your first year today.

Excellent 4.4/5

Hefty Debt Payments: Check if you qualify to settle your credit card debt for less than you owe

Your budget is tight as it is without worrying about hefty credit card debt. Not to mention how you could ever retire on it.

Put your mind to rest. National Debt Relief's program is available to people with $30,000 or more in credit card debt, medical bills, collections, or personal loans. Their certified debt specialists could negotiate with your creditors, and you may be able to settle your debt for less than you owe.

No upfront fees. Free consultation. It takes just 30 seconds to see if you qualify.

See if your $30k+ in credit card debt qualifies for National Debt Relief

Did You Know?

On average, debt settlement saves clients around 32% of their enrolled debt after fees, according to a 2023 study by the Association for Consumer Debt Relief. The consultation costs nothing. People who enroll and complete the program could be debt-free in 24 to 48 months.

Sources: Association for Consumer Debt Relief (2023)

Tax Debt: See if your tax debt is eligible for this debt relief program

While most tax companies just put you on a payment plan and file your taxes for you, Tax Relief Advocates is designed specifically to help you get out of tax debt faster.

Tax Relief Advocates even talks to the IRS directly, 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

Home Equity: Tap the equity in your home without adding another monthly payment (home must be worth at least $200,000)

If you own the home you live in but don't want to touch your mortgage rate or go for a traditional HELOC, a Home Equity Investment Product, or HEI, could be perfect.

How it works: A HEI bets that your home's value will go up. They give you cash now, and when you sell, refinance, or pay back in cash, you give them a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage home equity investor is entitled to also decreases. That could be a lot safer for you.)

They work with single family homes, condos, townhomes, and 2- to 4-unit properties. No mobile or manufactured homes. Use the money however you like. Pay off debt, renovate, invest … all without worrying about additional monthly payments OR touching your current mortgage.

Why choose a HEI?

Cash Payment Now: You can qualify to get between $15,000 to $500,000 in one lump-sum cash payment.
Have a home worth at least $200,000.
Have a credit score of 500+.
No income requirements.
Don’t want to affect your current mortgage.
Don’t want monthly payments.

Answer a few questions here to see if you pre-qualify in less than 2 minutes (see how much you can get)

Not Having Enough in Retirement: Learn 7 ways to generate income with a $1,500,000 portfolio

If you have $1,500,000 saved up, this is for you. The last thing you want in retirement is to run out of money. Instead, you want your money to generate a real income while you enjoy your life.

Answer a few quick questions about your financial situation, and this free service will match you with an advisor to build you a Complete Plan for Retirement Income.

Answer a few questions. Get matched with a financial advisor today.

Overpaying on Subscriptions: Put an average of $378 back in your pocket by canceling services you don’t need

A chunk of your paycheck might be getting flushed down the drain. And the worst part is you probably won’t even catch it, unless you try this.

Rocket Money is an app that reviews your spending daily to find subscriptions to cancel and bills to cut. Rocket Money has helped users save an average of $378 a year¹⁸ This annualized figure is based on members usage of Subscription Cancellation. Actual savings may vary and are not guaranteed. by canceling unwanted subscriptions. They’ll even cancel subscriptions for you and negotiate bills on your behalf (see below).

Now, some insider info: Don’t go for the “free” version. Instead, choose the free trial of the Premium version. It unlocks the features that save you the most money possible, like “Cancellation Concierge,” that helps cancel subscriptions for you.

Once you have your free trial of Premium set up, Rocket Money connects to your bank in minutes and will identify bills that can be lowered and subscriptions you can cancel. Easy.

Start your free trial of Rocket Money Premium get back an average of $378

Pricey Home Security Systems: Help protect your home for a fraction of what a break-in costs (perfect for Ohio residents)

Studies suggest a break-in happens about every 26 seconds in the U.S., and one average costs homeowners around $2,661.¹⁹ Average break-in cost around $2,661: FBI 2019 burglary data (figure is dated, confirm current). Break-in about every 26 seconds: The Zebra. $100 gift card and free installation: subject to SafeStreets / Visa Reward Card terms (new customers, 36-month monitoring agreement). But if you live in Ohio you could help protect it for a fraction of that cost.

SafeStreets is actively helping homeowners protect what matters most. Their security experts install a custom system with 24/7 monitoring that can help deter break-ins and give you peace of mind day and night.

Cut the cost of protecting your home by tapping into SafeStreets’ extremely low cost starting at just $49.99/month²⁰ $99-$299.00 Customer Installation Charge. 36-Month Monitoring Agreement required starting at $49.99 per month ($1,799.64). 24-Month Monitoring Agreement required per month for California ($1,199.76). Minimum $199 installation charge required for California. Form of payment must be by credit card or electronic charge to your checking or savings account. Early termination fees apply. Offer applies to homeowners only. Local permit fees may be required. Satisfactory credit history required. Certain restrictions may apply. Offer valid for new ADT Authorized Provider customers only and not on purchases from ADT LLC. Other rate plans available. Cannot be combined with any other offer. with free professional installation, around-the-clock monitoring, and maintenance and extended warranty fully included.

Complete this short form to get a free quote

Pay no interest on balance transfers into 2028

Imagine getting 15 months with 0% intro APR on balance transfers (APR then 18.49% - 27.99% Variable). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Chase Freedom Unlimited^®(Rates and fees).

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 15 months. 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! After the intro period, the APR is 18.49% - 27.99% Variable.

The best part? The annual fee is $0.

Click here to Apply Now to the Chase Freedom Unlimited^®

Not earning up to 5% cash back at restaurants and on entertainment and utilities when you activate this incredible offer

There's a credit card that's making waves with its amazing welcome bonus and benefits. Apply for the Discover it^® Cash Back (Rates and fees) and you can earn up to 5% cash back at restaurants and on entertainment and utilities now to December 31, 2026, on up to $1,500 in purchases when you activate.

There's no annual fee — plus, you'll earn 1% cash back on all other purchases automatically. The generous welcome offer provides top-notch cash back rewards since Discover will match all the cash back you’ve earned at the end of your first year.

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 17.74% - 26.74% (Variable) (balance transfer fee applies). That means you could use this card to fund large purchases or even help tackle your debt. If you're traveling this summer or want to earn more on beauty essentials, this card is practically a no-brainer!

Click here to apply now for the Discover it^® Cash Back.