5 Ways You Could Make Real Money Without Quitting Your Job

Set up direct deposit - pocket up to $400

Set up an eligible direct deposit with SoFi Checking and Savings and you could pocket a bonus of $50 or $400.² <p>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&nbsp;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&nbsp;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&nbsp;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&nbsp;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.&nbsp;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&nbsp;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&nbsp;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&nbsp;<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>.</p> 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 4.40% APY³ <p>Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) 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 12/31/27. 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.</p> on savings for up to six months on new accounts (3.30% APY standard + 1.10% APY boost; terms apply) on top of that $50 or $400 bonus.² <p>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&nbsp;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&nbsp;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&nbsp;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&nbsp;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.&nbsp;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&nbsp;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&nbsp;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&nbsp;<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>.</p> That's way better than the measly 0.38% APY (as of 10/19/26)⁴ <p>Based on <a href="https://www.fdic.gov/national-rates-and-rate-caps">this</a> FDIC data, as of 6/15/26.</p> national average savings accounts offer. 

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

Try a simple side hustle in your free time

If you have a few free hours on evenings or weekends, you could drive for Uber or Lyft, deliver for DoorDash or Instacart, sell handmade or digital products on Etsy, rent out a spare room on Airbnb, or freelance your existing skills on Fiverr or Upwork — all low-commitment options that can fit around a full-time job and start generating extra income quickly.

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 pause credit card interest into 2028 ... and the best part is that it could be easier 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 18.74% - 28.74% (Variable); Balance transfer fee applies.) 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.

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. You can also receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply). 

Apply now for the Discover it^® Cash Back card

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 LendingTree⁵ <p>Terms and conditions apply. Rates subject to change. LendingTree, LLC. NMLS# 1136.</p> 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.

Earn a $200 bonus with this incredible cash back card

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

In addition to this welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0. 

It's almost a no-brainer to apply. 

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

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

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

Offer Ending Soon: 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^®

Peace of mind. For less than a dollar.

Think your passwords are safely stored in your browser? One 2025 breach exposed 16 billion passwords.⁶ <a href=https://cybernews.com/security/billions-credentials-exposed-infostealers-data-leak/>Source </a> We found a 99 cent per month solution.

It's called RoboForm. It generates strong, unique passwords for every site, stores them under AES-256 encryption, and logs you in with a single click. Which means your data is kept safe without the hassle.

Limited Time Offer: Get 60% off, bringing it to $0.99/month (just $11.90 for the year)!

Download RoboForm and get 60% off password protection

Bad Credit Holding You Back? Grow your credit score with this no annual fee card (plus earn unlimited 5% cash back rewards at grocery stores)

If you have bad or no credit and you aren't using the SoFi Smart Card, you could be missing out on the chance to grow your credit score just by following a few simple steps. 

The SoFi Smart Card could be a perfect option if you feel held back by a poor credit score. Even if your credit score is low, this card allows you to potentially grow your credit score by making on-time payments.⁷ <p>Grow your credit score: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. SoFi will report your Smart Card activity to Experian®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations.</p>  You also won't overspend with this card, because it's a secure card funded with money you already have. 

Even better, this card lets you earn unlimited 5% cash back rewards at grocery stores. That could be worth $100s in cash back for something you spend money on every single month.

If you're exhausted from the pain of a low (or no) credit score and you want to earn cash back on groceries at the same time, this card is practically a no brainer to help with both. 

Click here to apply for the SoFi Smart Card now

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%.⁸ <p><a href="https://www.forbes.com/sites/conormurray/2026/01/28/gold-price-surpasses-record-5300-amid-weakening-dollar-fed-independence-concerns/">Source</a></p> They match you with top-rated providers offering physical gold and silver IRAs with a proven track record during unstable markets.⁹ <p>Investments carry risk, including loss of principal. Past performance is not a guarantee of future performance.</p>

Protect your savings today in 3 easy steps:

1. Answer 4 quick questions on your goals and timeline.
2. Get matched instantly with a top-rated provider suited to your goals.
3. 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.

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 FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Save an average of $28,000 over the life of your loan (including refinancing)

Too many homeowners overpay on a mortgage they could have easily refinanced. You don’t have time to call around and compare, so you stay with the loan you have. But now a free service will do it all for you — and it could put an average of $28,000 back in your pocket.

It's called Own Up. It compares refinance offers from top-rated lenders, so they compete for your business and could help you find a good refinance deal.¹⁰ <p>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></p> There’s no hard credit pull¹¹ <p>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.</p> and you get to compare options side by side, almost instantly.¹² <p>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.</p>

Think about it this way: On a hypothetical $400,000 mortgage at 7.00% APR, you'd pay over $558,000 in interest over 30 years. Drop that rate just half a percent to 6.50% APR and you'd pay around $510,000. That's about $48,000 back in your pocket, just from shopping around for a better rate.¹³ <p>For illustration purposes only. Rates shown are not offers of credit.</p>

Own Up customers save on average $28,000 over the life of their loan,¹⁴ <p>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 absolutely nothing to find out how much you'd save by refinancing. See what you could qualify for at the link below before you make another payment at your current rate.

Check your refinance rates 100% free here

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

Keep extra cash in your pocket by checking this free tool before you hire a roofer

It’s amazing this tool works. If you need to repair or replace your roof, answer a few quick questions here and you could pay less on the services, labor, and materials needed.

The tool connects you with trusted roofing pros in your area who have been vetted for licensing, insurance, and reputation. You’ll work with a local contractor offering fair pricing on materials and labor. Take a minute to check and you could put money back in your pocket.

Roof repairs and replacements don’t need to overwhelm you thanks to this tool. Plus, a new or repaired roof could increase the resale value of your home, while boosting your safety and protecting you from further damage.

To get potential savings, answer a few simple questions

Shut the ads 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

See if AI can fix your budget (and answer the money questions you've been avoiding)

Ever look at your bank account and wonder where your paycheck went? *Poof,* it's gone... and you have NO idea how you spent it all so quickly.

A budgeting app like SuperMoney could end this problem for you. Trusted by 2 million members since 2013, SuperMoney is designed to help real people achieve financial calm.

Now, some insider info: They *do* have a free 7-day trial... but the real money-saving power kicks in once you connect your accounts and let the Sense AI go to work. (Monthly plans start at just $19.99, but you can save $90/year with the annual plan!).¹⁵ <p>The 7-day free trial requires a payment method at signup. Subscription auto-renews at $19.99/month unless cancelled before the trial ends. Cancel anytime in the app.</p>

Start your free trial when you sign up, and you'll unlock features that actually help you save the most money possible. Like a budget that builds itself from your real spending, plus Sense AI you can ask personalized money questions like "Why was last month so expensive?" or "Can I afford this trip?"

You'll also be able to track your net worth, monitor your credit, and see every account in one place, so you can stop guessing about your money and start actually getting ahead.

Download SuperMoney

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.
• 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)

Earn 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 you can receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 18.74% - 28.74% (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.

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.¹⁶ <p>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</p>

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 <p>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.</p>

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

How to get started:

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

Get started with EarnIn here

Try this free service helping homewoners in Ohio get a new 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:

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

Get your free estimate to get started

If you're booking a trip to Disney, get a $100 gift card to use today upon approval (no strings attached!) 

If you're booking a trip to Disney, apply for the Disney^®Visa^® Card (Rates and fees) credit card here and you can get a $100 gift card eGift to use today upon approval! 

There is no extra work beyond being approved for the card to receive the gift card, and no annual fee! 

Plus, you can earn an additional $50 statement credit after spending $500 in the first 3 months and earn 1% in Disney Rewards Dollars on all purchases. And you can pay 0% intro APR on select Disney vacation packages for 6 months from the date of purchase (then 18.49% - 27.99% Variable). That means you can book your next Disney trip now, and pay it off over time. 

If you're planning a Disney trip or visit the parks regularly, this card is a no-brainer. Don't delay — apply today! 

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

Click here to apply for the Disney^®Visa^® Card and get a $100 gift card to use today upon approval

Turn your home’s value into funds

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

A home equity line of credit (HELOC) is another option some homeowners compare alongside cash-out refinances and home equity loans.

Using LendingTree’s simple HELOC matching tool⁵ <p>Terms and conditions apply. Rates subject to change. LendingTree, LLC. NMLS# 1136.</p> (yes, the company from the commercials), you can compare rates and see what works for you.

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

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

To get started:

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

Compare Offers

See if your credit card debt is eligible for this debt relief program

If you have a lot of credit card 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 resolve your debt once and for all?

ClearOne Advantage can help.¹⁸ <p>ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.</p> <p>ClearOne Advantage is not a credit services organization, and we do not make any claims regarding improvement of a consumer’s credit scores. Entering into a debt settlement program could adversely affect your credit score.</p> 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 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 representative. The consultation is completely free and only takes a few minutes to see if you qualify!

See if your $30k+ in credit card debt is eligible for ClearOne Advantage

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:

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

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

Set up direct deposit - pocket $400

I moved the money for the rate. Then I found out about the cash bonus during signup. SoFi is running a limited-time offer for new and existing Checking and Savings members who haven't previously enrolled in direct deposit. That's up to $400 in your pocket.

The Things I Didn't Know to Look For

The bonus was eye-catching but these are what actually made me stay:

• Getting paid up to two days early. Direct deposit hits before the scheduled payday, automatically. A small thing that could matter a lot at the end of the month.
• No fee structure to manage around. No monthly fee, no minimum balance fee, no overdraft fees. Plus 55,000+ fee-free ATMs in the Allpoint® network.
• FDIC insurance well past $250,000. Through the SoFi Insured Deposit Program, deposits may be insured up to $3 million across a network of participating banks. If your balance is heading toward six figures, this is the box to check.
• Checking earns, too. Not just savings. The checking balances earn 0.50% APY, which is more than my old bank paid on savings.

Open and fund a SoFi® account to earn your $400 bonus »

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^®