Have you stuck to any of the financial goals you set for 2022?
If not, no shame. But let this post serve as your glaring reminder that NOW is the best time to take action. It's far from too late to start building wealth in 2022 ... but if you don't make these moves ASAP, you'll kick yourself come 2023.
Thing is, most of them are seriously easy. Here's what to do:
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. On average, we find around $500 a year in savings for drivers. 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.
Survive inflation by purchasing gold
As skyrocketing inflation threatens your net worth, you may be looking for ways to diversify your savings, especially if you’re retired or near retirement. You could consider higher risk investments like stocks — but what if the market tanks? You may want to think about purchasing gold.
Gold values are inversely correlated with the stock market and the dollar. When one goes down, the other usually goes up. If you want to protect your retirement funds, diversifying your portfolio with gold may help you survive inflation and weather market swings.
Gold Alliance is a reputable precious metals dealer that specializes in precious metals IRAs. They make it simple to transfer funds from your current retirement account (like a 401(k) or IRA) into a precious metal IRA — with no taxes or penalties.
Gold Alliance offers a free inflation survival plan so you can learn how gold and silver may help offset rising costs.
Pay no interest until January 2024
Imagine getting 18 billing cycles with 0% interest on a balance transfer or a big purchase. You could dramatically change your financial picture with this industry-leading low-interest card - the BankAmericard®️ credit card.
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 18 billing cycles for any qualifying balance transfers made in the first 60 days. 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 18 billing cycles on purchases. After the intro period for purchases and balance transfers, the APR is 15.24% - 25.24% variable.
The best part? There's no annual fee.
Ditch your mortgage lender
Yep, we said it. If you want to save a ton of money next month — $100, $200, $500 — you should ditch your current mortgage right now.
Our new tool will help you compare mortgage offers and rates and could help you simplify refinancing your mortgage. Which means you could slash your interest rate, lower your monthly mortgage payments and even build equity in your home faster… all so you can save money and free up breathing room in your budget.
You could even take advantage of a cash out refinance for massive savings. The money you get could help you crush your high-interest debt for good. Or you could take advantage of that potentially lucrative investment opportunity that you now have the cash for. The possibilities are endless, but you’d be crazy not to see how much you can get just by refinancing.
Earn a $200 cash rewards bonus with this incredible card
When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.
That’s why the Wells Fargo Active Cash® Card Rates and Fees is such a smart choice. You can earn unlimited 2% cash rewards on eligible purchases — easy! That's one of the best cash rewards options available.
Plus, new cardholders can get a one-time cash rewards bonus — $200 cash rewards bonus after spending $1,000 in the first 3 months. Use your card just for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.
The best part? There's no annual fee.