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

Last updated May 7, 2026 | By Team FBZ

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:

Skipping This Criminally Underrated Credit Card Bonus: 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 18.24% - 27.74% 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^®

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 AFL400TR1Q226.¹ Terms and Conditions for Truist One Checking Affiliate $400 Online Offer Q2 2026: AFL400TR1Q226 Offer Information: Open a new Truist One Checking account online from 3/26/26 through 7/9/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion. • Receive at least two qualifying direct deposits* totaling $2,000 or more AND • Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify. Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code AFL400TR1Q226. Please refer to the Account Opening and Enrollment section below for full instructions. *A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. **Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included. Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 3/26/25 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met. Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All standard account terms and conditions apply. Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL400TR1Q226 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept this offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700. Version 3 02182026 AFL400TR1Q226 ©2026 Truist Financial Corporation. TRUIST, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.  All rights reserved. Truist Bank, 214 N Tryon St., Charlotte, NC 28202 To 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

Credit Card Debt: Stop paying high interest on your credit card debt. Start paying it off.

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 completely pause credit card interest into 2027 ... 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 17.49% - 26.49% Variable.) 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. This practically doubles its value at the end of your first year.

Apply now for the Discover it^® Cash Back card

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.² 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. That could mean trouble for traditional portfolios, but potential for you if you position yourself ahead of the curve.

U.S. Gold Bureau helps Americans protect and grow their retirement savings with gold and silver. They’ve delivered 2 billion+ in precious metals, earned an A+ BBB rating, and offer a BuyBack Guarantee — they buy back any metals they sell at transparent prices.

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 gold with qualifying purchases.³ This offer is valid with a minimum purchase of $30,000 in qualifying precious metals for a retirement account. For every $30,000 in eligible metals purchased, you will receive one (1) 1/10 oz Gold American Eagle bullion coin, up to a total maximum retail value of $20,000 in gold. The specific gold product may vary based on availability. If the advertised product is unavailable at the time of order, it will be substituted with a product of similar quality and value. Processing for retirement account funding may take approximately 2–3 weeks. Limit one time offer per household address. This offer cannot be combined with other promotions or discounts. It is valid for individuals only and eligibility is determined solely by USGB and is not guaranteed. This offer is subject to change or termination at any time without prior notice. Additional terms and exclusions may apply.

Get started with gold: Download U.S. Gold Bureau’s IRA investors kit. There's no cost to request it, but doing so could help protect everything you've worked for. (Minimums apply: You should have at least $30,000 to invest.)

Take control of your savings now

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 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

P.S. Use the link above, and you'll get 50% off your first year on select plans!⁴ Discounts for individual consumers may vary between 30-50%. Pricing available to new members for first-year ShieldGold™ and ShieldSilver™️base plans only.

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

High-Interest Debt: See if your credit card debt is eligible for this debt consolidation program

If you have a lot of 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 may get 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?

Accredited Debt Relief can help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives may be able to help you significantly reduce your debt — with one low monthly program payment.

Best of all? There are zero upfront fees, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions and get connected with a caring representative. The consultation is completely free and only takes a few minutes to see if you qualify!⁵ © 2025 Accredited Debt Relief. Please note that all calls may be recorded or monitored for quality assurance and training purposes. Accredited Debt Relief is a DBA of Beyond Finance, LLC. Beyond Finance, LLC provides debt consolidation services. Our clients who make all monthly program payments pay approximately 55% of their enrolled debt upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 15%-25% of your enrolled debt. Programs range from 24-48 months. On average, clients must save approximately 40%-50% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-6 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all Clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Program is not available in all states; fees may vary by state. The use of debt consolidation services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt consolidation companies. Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences.

See if your $30k+ in credit card debt is eligible for Accredited Debt Relief

Interest: Stop getting ripped off by high interest debt payments

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 LendingTree⁶ LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2026 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply. wants 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

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.

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.

Tax Debt: 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.

Alleviate Tax 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, Alleviate Tax 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

Expensive Walmart Trips: Earn 3% cash back at Walmart, gas, or dining

If you shop at Walmart even once a month, you need to see this. It's been reported that more than 40% of Americans buy their groceries at Walmart,⁷ <a href="https://finance.yahoo.com/news/shoppers-spoken-41-americans-buy-170019917.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAACQm6ZcadD4NrR51SZpDQrtjnfHLUEFMM_QeO7REDQ9UJ3i5_G7QXKQDdE_efQGjWD5JqtcwmKGIDzX75HPkkNp6ukmp2ye4JUPvRra-PLUh11wUL35Lc6fL5oNJ1vcyhwyL-YSfvt_ckALxlKGaSHl41Sjtg2kjZtnU4ojGT7fI">Source</a> but if you pay with a regular debit card, you could be missing out on a chance to earn solid cash back.

OnePay Cash changes that. Right now, new members can earn 10% cash back on their first Walmart purchase within the first month, on up to $200 spent.⁸ Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/26. Cash back earned as OnePay Points. See terms at <a href="https://static.one.app/terms-and-conditions/t/5210c05b/10firstpurchasefulllongformterms43026.html?%24web_only=true&_branch_match_id=1558140187896023793&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwB%2B1ehXEQx8iWrY2qGnYRrz5dmequ%2FUpxqYIm1m4RM84DgZmqBdhd3uY6%2FIRBaTose5sbwfnVNlu%2FPhynH5CAAAA">OnePay.com/10percent</a>. After that, you keep earning 3% cash back at Walmart every month on up to $150 spent, with eligible deposits.⁹ Only available to customers who either (i) received $500+ in direct deposits or (ii) had a total balance of $5,000+ at the end of the previous month. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See terms at <a href="https://www.onepay.com/legal/onepay-rewards-terms?%24web_only=true&_branch_match_id=1558140187896023793&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwBfZ3AXx4EOk4moLbRM2gd58uzMlwnwVKWhNkw6kbCbEzLx9CbD7%2FhEPyDre86JOB7ejUDt%2B8XOCZz0AAAA%3D">onepay.com/rewards-terms</a>.

But you don’t just earn cash back at Walmart with OnePay — you can also earn on gas, dining, and more. It's primarily a mobile banking app and secured credit card with no monthly fees, no minimum balances, and no overdraft fees.¹⁰ OnePay is a financial technology company, not a bank. Builder Cards through OneProgress Services LLC (NMLS 2460509) are issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated

Plus, you can earn 3.35% APY on your savings with eligible deposits¹¹ 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/7/2025, but may change at any time before or after account opening. and can get paid up to 2 days early with direct deposit¹² Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data and fee-free cash withdrawals at 55,000+ Allpoint ATMs worldwide.¹³ For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred. And you can earn 25¢/gallon extra cash back on your first gas purchase.¹⁴ Bonus Term 10/27/2025 – 12/31/2026. Bonus applied to your first purchase of gas using an Upside Offer for gas (“Gas Offer”). Use of a Gas Offer must be made during the Bonus Term to earn the Bonus. Limit of one per customer. Cash back is provided as OnePay Points, which can be redeemed as a deposit into a OnePay Cash account, or other available options. Gas Offers are not available in New Jersey or Wisconsin. Cash back amounts and caps vary by gas station and are subject to change at any time. Any gallon or spend caps applicable to a Gas Offer will also be applicable to the Bonus. See <a href="https://www.onepay.com/legal/onepay-rewards-terms?%24web_only=true&_branch_match_id=1207782460763901308&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwBfZ3AXx4EOk4moLbRM2gd58uzMlwnwVKWhNkw6kbCbEzLx9CbD7%2FhEPyDre86JOB7ejUDt%2B8XOCZz0AAAA%3D">onepay.com/rewards-terms</a>.

Get OnePay Cash and earn 10% back at Walmart on your first purchase

Cut the Wait to Get Your Paycheck: Access up to $150 per day of your paycheck with no mandatory fees

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

With the EarnIn app¹⁵ 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 you can access up to $150 per day of your paycheck and up to $1,000 per pay period — and EarnIn won’t charge you any mandatory fees.

Yes, you read that correctly. You have the option to access your pay as you work and not have EarnIn charge you at all. The EarnIn app does not charge any interest or mandatory fees on a standard Cash Out.

You even have the option to access the money within minutes for a small fee.¹⁶ 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

Weight Loss: Get started with GLP-1s as low as $49 (some insurance now accepted!)

If you’re finally ready to lose weight, GLP-1s — like Semaglutide & Tirzepatide — are clinically proven to help you lose up to 20% of your body weight.¹⁷ The FDA has not evaluated compounded medications for safety, quality, or efficacy. GLP-1 medications are prescription drugs that should be taken and monitored under the supervision of a licensed health care professional. GLP-1 medications carry serious risks, including risks of thyroid C-cell tumors (which includes thyroid cancer) and medullary thyroid carcinoma (MTC). Please visit the Remedy Meds website for more details. And this company called Found helps you work with a clinician to get a personalized prescription for as low as $49/month!

Found is the only telehealth provider that allows you to use your insurance benefits to save on compounded GLP-1s, with insurance accepted for ⅓ Americans. This way, you could save $1,000s on the typical out of pocket cost of weight-loss medications like Ozempic® and Zepbound®.

Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s for $1,000s less than name brands with insurance! Plus, get access to U.S.-based doctors 24/7 when you go through Found. There are no hidden fees and cash pay is still available.

Dr. Ritu Chopra (from the show "The Doctors") says this is the future of weight loss. Join now before prices go up! You could get pre-approved in as little as 2 minutes.

Limited Time Offer: Right now you can get $100 off your first month!

Take the quiz to get weight loss medications as low as $49/mo with insurance

Expensive Loan Repayments: Tap your home equity before you ever get a loan

If you need cash, you do not need to get a personal or payday loan. If you’re a smart homeowner, use this tool instead before you do anything else. It finds companies offering homeowners reliable access to extra cash.

LendingTree's network of lenders specialize in HELOCs (home equity line of credit). A HELOC is like a credit card that lets you access cash from your home, possibly without crazy interest rates. No, it’s not for everyone. But it’s a 100% legit way to leverage the value of your home to get extra cash, with few downsides.

Get started by using LendingTree’s free simple HELOC matching tool. The key to making a HELOC work is comparing rates and terms, and this tool does that for you. Answer a few questions and you can compare options in a few minutes.⁶ LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2026 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Terms and Conditions may apply.

Getting quotes and checking rates doesn't affect your credit. You could qualify as long as your credit score is 620 or higher and you have equity in your home.

See how much cash you could get

Expensive Financial Plans: Get your personalized financial plan 100% free

Studies have found that individuals with a financial plan were 3.7x more likely to claim that they're very confident in reaching their goals.¹⁸ Source: Charles Schwab Modern Wealth Survey 2024

Our new tool builds you an intelligent, 100% free personalized financial plan that could help grow your net worth. You get instant access to a unique financial plan and exclusive offers that could help you grow financially.

Here's how to get started:

1. Click the link below.
2. You will be asked a few questions — enter your email, employment status, and phone number.
3. Verify your identity through Plaid (name, DOB, social security, etc).

From there answer a few questions related to your investable assets, retirement accounts, debts, and more to help customize your plan. This service costs nothing and it even tells you how much you can expect to see your net worth grow — down to the dollar — by implementing the suggestions.

Click here and enter your info to get your 100% free financial plan

Skipping This Credit Card Bonus: Earn a bonus worth $250 to use toward your next flight or hotel

If you're planning a trip, apply for the Bank of America^® Travel Rewards credit card here and you can earn 25,000 bonus points after spending $1,000 in the first 90 days of account opening. That's worth $250 toward travel!

There is no extra work beyond the spending requirement to earn the early spend bonus, no annual fee, and no foreign transaction fee. The Bank of America^® Travel Rewards credit card also lets you earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases.

Redeem points for a statement credit toward travel and dining purchases, gift cards, cash back, or merchandise. If you travel even once a year this card could be worth it and could net you $100s in rewards to use toward travel. Don't delay - apply today!

Recommended for good or excellent credit.

Click here to apply for the Bank of America^® Travel Rewards credit card now

Expensive Rent Payments: Split your rent payment in two

It's not always easy to pay rent with what you have in the bank right now. And if you miss a payment, you could face late fees, eviction, and even having to find a new home. But now this new service could help take away the anxiety of not being able to pay rent.

It's called Flex, and it helps split your rent into two smaller payments each month — covering your full rent on time when you make your first payment by the due date, while paying the second half on a date you choose later in the month.¹⁹ Flexible Finance, Inc. (“Flex”) is a financial technology company, not a bank. Flex loans and lines of credit (including “Flex Rent”) are issued by Lead Bank or Column, N.A., Member FDIC. Unsecured lines of credit for Flex Rent are provided for a recurring monthly membership fee up to $14.99 and a bill payment fee of 1% of your total rent amount. Terms apply. Visit getflex.com for more details. All brokering activities are performed by Flexible Finance Brokering, Inc. That means you limit risk to missing a payment, you could avoid late fees,²⁰ Experience and results may vary. Be sure to check your property’s policies to avoid late fees, as fees may still be assessed at your property’s discretion. and could align rent with your paychecks.

Flex costs $14.99/month plus 1% of your rent²¹ You may be subject to an additional $3 property passthrough fee for each month you use Flex, depending on your property. There is no processing fee when paying with a debit card. An additional 2.5% processing fee applies when using a credit card. (less than what late fees would usually cost) and it even reports your on-time payments to TransUnion to potentially help build your credit history at no extra cost. Apply with the link below before your next rent payment.

BONUS: Pay no interest into 2028 with this 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's a card that allows you to completely pause credit card interest into 2028 ... and the best part is that it could be easier than you think.

Wells Fargo Reflect^® Card (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 21 months from account opening on purchases and qualifying balance transfers. (Then APR is 17.49%, 23.99%, or 28.24% Variable.) That's right — you can now 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.

This is by far one of the longest intro APR periods we've ever seen. Plus, this card comes with even more perks like cell phone protection, roadside dispatch, and you could access deals from various retailers and merchants through My Wells Fargo Deals, making it practically a no-brainer.

Apply now for the Wells Fargo Reflect^® Card card

Not earning up to 5% cash back at restaurants and home improvement stores: Unlock up to $1,070 in value over the next year with this incredible card!

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 home improvement stores now to June 30, 2026, on up to $1,500 in purchases when you activate.

There's no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year. This generous welcome offer and the top-notch cash back rewards provides an estimated $1,070 value in the first year!²² These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories. Plus, you'll earn 1% cash back on all other purchases automatically. The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back in the first year!

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 17.49% - 26.49% Variable. That means you could use this card to fund large purchases or even potentially get out of debt. If you dine out or shop at home improvement stores even once a month, this card is practically a no-brainer!

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