Here’s the thing: A lot of people have already put these money secrets to good use. They’ve found hundreds of dollars in savings, secured their family’s financials and padded their bank accounts.
Now it’s your turn, 50-somethings.
Putting all these secrets to use is actually easier than you might think. We’re betting you can knock out at least three or four of these things right now — yes, even from your phone.
Go ahead and join the masses and get in on these money secrets:
1. Ask This Website to Pay Your Credit Card Bills This Month
No, like… the whole bill. All of it.
While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.
Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.
Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.
Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
2. Get a Free Retirement Plan
Every day, 12,000 people retire — and almost 75% don’t have any kind of plan in place. We spend our entire lives saving up, so you’d think we’d do a little more than wing it with last-minute Google searches. That money needs to last our entire retirement!
It makes sense, though. Financial advisors are more interested in serving the super wealthy. That’s how they make the big bucks, after all.
But here’s some good news: A company called Retirable can get you a free retirement plan.
If you’re retiring in the next few years — or are recently retired — Retirable can tell you exactly how much is safe to spend every month alongside Social Security and any part-time income. Plus, it updates as you go, which could help you confidently draw more income per month.
Before you commit to anything, a registered investment advisor will work with you to create a retirement plan specific to your needs and goals. And, if it turns out Retireable isn’t a right fit, your financial advisor will point you in the right direction.
Just answer a few questions to get started and get your free investment plan.
3. Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.
4. Invest In Something that Could Grow 300% In the Next 15 Years
With inflation, market volatility and newsworthy crypto crashes, it hasn’t been a great year for our precious nest eggs.
But some investments can actually protect you in times of economic uncertainty. One asset that’s remained historically steady — and has even increased in value during times of instability — is gold. In fact, the price of gold is up more than 300% in the past 15 years.
So, how do you invest in gold? A company called Lear Capital can help you through the entire process from start to finish. It’s been in the precious metals business for more than 25 years, and has completed $3 billion in precious metals transactions and for more than 93,000 investors. Plus, you’ll get a 24-hour risk-free guarantee to review your purchase before committing to it.
But the process isn’t necessarily for investor newbies. You’ll need to be able to invest a minimum of $15,000.To learn more, head over to Lear Capital’s site to sign up for your free gold investment kit.
5. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
If you’re turning blue in the face waiting for a raise at work, it might be time to quit holding your breath and start speaking your mind to someone who wants to listen.
Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.
6. Watch Out For These Corporate America Tricks
From inflation to smaller packaging, corporate America is famous for finding new ways to get you to spend more money.
But here’s a way to fight back.
A website called Rakuten will give you a refund from just about every store you shop at online. Which means it can give you up to a 15% cash back every time you buy toilet paper on Target or book that flight home for Thanksgiving.
We talked to Denver resident Colleen Rice, who’s earned more than $526.44 in refunds since she started using Rakuten. For doing nothing. She just uses Rakuten for things she already has to buy, like rental cars and flights.
Enter your email address here to get started with Rakuten. They’ll pay you with a check in the mail every few months or deposit it to your PayPal account.
Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you.
7. You Can Become Debt Free — Without Paying it All Off
It doesn’t matter how much debt you’re in. Trying to stay on top of it all can be overwhelming. Especially when the overdue credit card notices and threats from creditors start rolling in…
The good news is, a company called National Debt Relief could help you pay off your debt for significantly less than you owe, and in less time. No bankruptcy, no loans and no need to have good credit.
How? It offers a strategy a lot of people don’t know about, called debt relief.
Here’s how it works: If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts will create a customized plan just for you. As the monthly payments add up, they negotiate with your creditors to reduce the amount you owe. You then pay off the rest in a lump sum.
On average, you could become debt-free within 24 to 48 months.
National Debt Relief has already helped more than 500,000 people pay off over $5 billion in debt. Find out what your best options are for taking control of your debt and living the life you want. It takes less than a minute to sign up for a free consultation.
*Investing involves the risk of loss.
*average expenditure $88/mo.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.