6 Moves If You Want to Stop Living Paycheck to Paycheck

Last updated Nov. 22, 2022 | By FinanceBuzz Editors

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Living paycheck to paycheck can mean sleepless nights spent wondering how you'll cover your bills if something unexpected happens. Even if you're an expert at timing your bill payments so nothing bounces, it's still SUPER stressful.

Ready to break the cycle of living paycheck to paycheck (and finally sleep soundly again)? We've got some simple moves you can make today to start earning and saving more. Let's do this!

Pay no interest until August 2024

Imagine getting 18 months with 0% interest on a balance transfer or a big purchase. Sounds great — right? What if you could also extend the intro APR by an additional 3 months by making on-time minimum monthly payments? It's possible with this industry-leading card — the Wells Fargo Reflect® Card Rates and Fees.

If you want to kick high-interest credit card debt to the curb, this is one of the best get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR for up to 21 months from account opening on qualifying balance transfers. 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!

It doesn't just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for up to 21 months from account opening on purchases. After the intro period for purchases and balance transfers, then APR is 16.74% - 28.74% variable.

The best part? There's no annual fee.

Click here to Apply Now

Get out of $10,000 or more in debt

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 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?

National Debt Relief could help. If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly payment.

Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!

Try National Debt Relief

Ask this company to pay off your late tax debt

Past-due tax debt is overwhelming.

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

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

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

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

Fill out this form to get started

Cancel your car insurance

We've got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.

This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.

Oh, and it's also free. And come on — you can't tell us you don't want to save up to $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.

See if you're overpaying

Earn a $300 bonus with this incredible card

There's a new credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Autograph℠ Card Rates and Fees has no annual fee and you can earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months (limited time offer ends 1/10/2023).

You can earn additional points just by using this card for your everyday purchases — earn unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. plus earn 1x points on other purchases.  Points can be redeemed for things like travel, statement credits, or gift cards.

If you want to travel more, the Autograph card can help you get where you want to go. 

The best part? There's no annual fee.

Click here to apply now 

Extra Long Intro APR on Purchases & Balance Transfers

Current Offer

Benefit from a long introductory APR period that could be extended by making the minimum payments on time each month

Annual Fee

$0

Benefits and Drawbacks

Benefits

  • 0% intro APR on qualifying balance transfers and purchases for up to 21 months from account opening, then 16.74% - 28.74% variable APR
  • Cell phone protection
  • $0 annual fee

Drawbacks

  • No rewards for spending
Card Details
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions