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

Last updated May 15, 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^®

Expensive Loans: Pay off high interest debt affordably with your home equity instead

Home equity loans are surging in popularity for homeowners who want to pay down high-interest debt quickly or make home improvements.

This is because homeowners in 2026 hold a surprising amount of equity — approximately $11 trillion in total tappable equity in the US. No need for expensive loans or credit cards. The best part is you can keep your current mortgage rate by getting a home equity loan.

No hassle. Calculate your equity amount and see your options today!

Get started by following three easy steps:

Click below to check out Quicken Loans’ Home Equity Calculator.¹ LMB Mortgage Services, Inc. d/b/a Quicken Loans; NMLS #167283; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Not a lender. Quicken Loans is a financial services marketplace that connects consumers with lending partners. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved or otherwise endorsed by these entities. We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. Ultimately, you are responsible for your financial decisions. FinanceBuzz does not provide credit cards or any other financial products. FinanceBuzz.com does not make any credit decisions.
Then, answer a few questions about your home.
Once you match, lock in a personalized rate and payment with a lender.

Compare lender options for $0

Credit Card Debt: Pay no interest into 2027 + earn as high as a $200 cash back bonus 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 2027 ... and the best part is that it could be easier than you think.

Blue Cash Everyday^® Card from American Express (See rates and fees) Terms Apply is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 19.49%-28.49% 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 Blue Cash Everyday^® Card from American Express card also lets you earn 3% cash back on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on eligible purchases in each category, then 1%). Plus, as high as $200 cash back after spending $2,000 in eligible purchases on the card in the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as reward dollars, redeemable for statement credit or at amazon.com checkout; terms apply; apply and find out your offer)!

Learn how to apply for the Blue Cash Everyday^® Card from American Express card

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

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.

High-Interest Debt: See if your credit card debt is eligible for this debt relief 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?

National Debt Relief could help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their certified debt specialists may be able to help you resolve your debt for less than you owe — 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 debt specialist. The consultation is completely free and only takes a few minutes to see if you qualify!² Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. “Debt-free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Average program completion time is 24–48 months; not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. ©️ 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <a href="https://www.nationaldebtrelief.com/licenses/">Click here</a> for additional state-specific disclosures and licensing information.

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

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!³ Discounts for individual consumers may vary between 30-50%. Pricing available to new members for first-year ShieldGold™ and ShieldSilver™️base plans only.

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.

TaxRise 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, TaxRise talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe. They have 4.7/5 stars on Google and an “Excellent” 4.4/5 stars on Trustpilot.

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

Answer a few questions to get started

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.⁴ 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.⁵ 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

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 app⁶ 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.⁷ 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

No-Bonus Accounts: Set up direct deposit - pocket $300

Set up an eligible direct deposit with SoFi Checking and Savings and you could pocket a bonus of up to $300. Make the switch, set up 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 4.00% APY⁸ Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.30% APY as of 3/31/26) 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/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC. on savings (3.30% APY standard + 0.70% APY boost for six months) on top of that $50 or $300 bonus.⁹ 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 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a>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 1.00% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. That's way better than the measly 0.38% (as of 4/20/26)¹⁰ Based on <a href="https://www.fdic.gov/national-rates-and-rate-caps">this</a> FDIC data, as of 4/20/26. national average savings accounts offer.

No monthly fees and no surprises. Open your account and earn up to a $300 bonus

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.

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,¹¹ <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 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.¹² 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.¹³ 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. Individual reward details can be found in the OnePay app. For certain reward offers utilizing the OnePay CashRewards Card, and third-party cards linked in the OnePay Wallet, purchases must be made using the physical card. 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. When you bank through OnePay. you get a mobile banking app and secured credit card with no monthly fees, no minimum balances, and no overdraft fees.¹⁴ 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 deposits¹⁵ 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit 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 5/13/2026, but may change at any time before or after account opening. and can get paid up to 2 days early with direct deposit¹⁶ 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.¹⁷ 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.¹⁸ 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 deposit 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>.

Bank through OnePay and earn 10% back at Walmart on your first purchase

Debt: Let banks compete to help you get out of debt

If you really want to get out of debt, you can let banks compete against each other to help you out. It can be nearly impossible and anxiety-inducing to make debt payments all on your own, but this clever site lets banks compete to assist you.

It’s called LendingTree¹⁹ 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. , and they can match you with loan providers that compete to give you personalized rates and offers for your situation and 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 that compete for your business), you’d only pay $160.69 interest.

That’s over $460 a month you’d get to keep for yourself in this scenario!²⁰ This example shows how lower rates could reduce monthly interest costs. Even better, you don’t necessarily need a perfect credit score (credit requirements vary by lender) 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 quickly. 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

Not all advisor fees are created equal. Some advisors charge a flat annual retainer, like $5,000 a year regardless of how much you have invested. Others can bill hourly, around $250 per hour, only when you need them. And some earn commissions on the products they recommend. For example, they may earn a cut of insurance premiums or mutual fund fees, which can quietly work against your interests. Knowing how your advisor gets paid can make a real difference in what you keep.

This free matching quiz pairs you with vetted fiduciary advisors in your area, so you can compare options and pick the one that fits.

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

Weight Loss: Get name-brand weight loss meds for only $5/day

If you're finally ready to lose weight, you shouldn't have to shop around five different telehealth sites to find a GLP-1 that fits your budget and your body. Hims gets you access to every major weight loss option under one roof.

It might sound crazy, but Hims gives you access to the full range of GLP-1 treatments through a single online intake. Want FDA-approved Wegovy® or Zepbound®? They've got it. Want a more affordable option with the same active ingredient as Ozempic®? They've got that too. Prefer to skip the needles entirely? Oral weight loss kits start around $149/month.²¹ $149/mo price includes medication only, if prescribed. An active Hims Weight Loss Membership is required ($39 for the first month, auto-renews at $149/month thereafter). Membership is billed separately and does not include or guarantee a prescription. Medication is not available without a membership. Membership fee is not included. Not available in all 50 states. Prescription required. Weight Loss by Hims is a holistic program that includes nutrition support, technological tools, and medications prescribed based on what your provider determines is medically appropriate and necessary for you. See website for full details, important safety information, and restrictions. Wegovy® is a registered trademark of Novo Nordisk A/S.

Skip the multiple intake forms and the patchwork of providers. Get one care team, one app, and one place to adjust your treatment as your needs change. Plus, you get 24/7 messaging with licensed providers and FSA/HSA eligibility — no insurance required.

Take the assessment to get weight loss medications starting at $149/month ($5/day)

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 AFL400TR1Q226.²² 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

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.²³ 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),²⁴ 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.²⁵ 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.²⁶ 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,²⁷ 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 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.²⁸ 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

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!²⁹ 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.