This year has been tough on your wallet and with inflation skyrocketing your bank account is probably shrinking. If you’re like me, your 2024 new year resolution was to save more money… especially with inflation reaching 3.1%!
That can be challenging as everything seems to be more expensive this year. But thousands of Americans are finding smart ways to save or even earn more money this year. Whether it’s doing side hustles like DoorDash, investing in stocks or taking new financial courses, people are learning how to make some extra cash. How much money would you like to have saved by the end of 2024? Or for your next vacation? Or your emergency fund?
Whatever your goal, the number probably seems daunting.
To help you take that first step, we’ve compiled 19 simple things you can do to help save and even make more money this year! You can read about them here, and click the links provided if you want to try some of these ideas.
1. Get Paid To Take Online Surveys
Let’s face it, a lot of us have extra time on our hands that we just spend rewatching The Office on Netflix. What if you could get paid a little bit of extra pocket money just for taking a few online surveys? Would you do it? There’s a new website called Survey Junkie that allows you to do just that. You provide them with a bit of information about yourself and they’ll match you up with surveys that you can complete for big brands. You then earn rewards and virtual points that you can redeem for money in Paypal or e-Giftcards. You won’t make a ton of money doing this, but it could help pay for a few things every month and it’s easy to do. The more surveys you complete the more you get paid.
2. Do Gigs On Fiverr
No matter what type of service you offer, you can likely offer it on Fiverr. This is terrific for digital services such as graphic design, web design, short audio or video clip creation, editing services, writing and so on. If you have a bit of extra time and have decent command of the English language – you can make some good extra cash just from writing a few articles.
Fiverr has expanded beyond just the $5-per-gig model. That means you can get paid much much more than just $5 for tasks you complete. Depending on your skills, you could do considerably well on here. There are even some people making six figures on fiverr.
3. Get a Lower Auto Insurance Rate – Pay Less Than $42/Month
Did you know right now is the best time to try and get a lower auto insurance rate? This is especially true if you now work from home. You can either ask your current insurer to give you a lower rate or you can use a website to compare quotes from multiple insurers – and let them compete for your business. I mean, you wouldn’t consider booking a hotel or vacation without using a price comparison website like Expedia so why aren’t you doing the same with your car insurance.
There’s a new website that does just that. Once you fill out the form on their website they’ll provide you with multiple quotes you can choose from. You are NEVER locked in with your current insurer, so if you have no accidents or tickets in the past two years you should definitely do this.
4. Use This Method To Boost Your Credit Score
Let’s face it, we all know that a good credit score can open a lot of financial doors while also giving us lower rates of interest on our loans. Credit scores typically range from 300 to 850, with a credit score of 700 or above generally considered good. On that same range, a score of 800 or above is considered excellent. If you already know that your credit score is 800 and above then you probably don’t need to keep reading this. In addition to the usual strategies of paying your bills on time, keeping credit card balances low and not applying for too much credit, there’s also another way you can quickly increase your FICO score with Protect by Experian. Experian® developed a revolutionary service to give consumers a way to quickly increase their credit scores using their on-time utility and telecom bill payments. The process is simple and 100% free. You don’t need anything to qualify—simply click here to visit their website and sign up to start boosting your score.
5. Become A DoorDash Delivery Driver
More and more people are ordering food from home and they need someone to deliver it. DoorDash is looking for new drivers and it’s a great way to make extra money. The only thing I’d mention is to make sure you have a fuel efficient car.
We recommend DoorDash because it has a decent reputation with drivers and is one of the top delivery apps out there. Drivers expressed they enjoy the flexibility the service provides, allowing them to make money around their own schedule when they want. The app also allow users to tip on top of their order, meaning more cash for you. Starting is easy too: just sign up, have a valid driver’s license and start earning.
6. Negotiate A Better Mortgage Rate With Government Programs
You may or may not know this but the Federal Reserve still has interest rates at 0%, that means these savings are still being passed onto homeowners whether you’re buying a new home or refinancing. However, economists expect the Fed to raise interest rates 6 times this year! So if you want to lock in a low mortgage rate now is the time to do it before these rate increases happen.
If you’re a homeowner and you want to save yourself thousands of dollars year after year, there’s programs you can now take advantage of. These programs could help hundreds of thousands of Americans reduce their monthly payments by as much as $3,252 in their first year. Many of these programs were set to expire in 2021 but they’ve been extended into 2022. In order to qualify for these savings you’ll need good or excellent credit.
To check if you qualify visit FedRateWatch, and fill out the short quiz (take 2 minutes). If lowering your payments, paying off your mortgage faster, and having an extra $271 a month in savings would help you, then this could be the easiest money savings tip you take.
7. Claim Free Everyday Household Products
Here’s a little tip most Americans aren’t told about. Chances are you purchase the same household products on a daily/weekly basis. But what if you could get free samples sent to you from these very same manufacturers? Not a lot of people know about it, but you can actually claim free samples from top brands. If you’re looking for a way to get household goods, pet food samples, sweet treats, posters, days out vouchers and much more, we recommend signing up for the Free Samples Guide. Once you provide them with your email address, they’ll let you know when you’re eligible for the latest free samples and how to claim them.
8. Fuel Saver Pro – Reduce Your Car’s Fuel Consumption By Up To 35%
With gas prices soaring, we decided to add in this product to help save you money after the holidays. Check out the easy way to save money at the pump this winter! The Fuel Saver Pro device helps reduce your fuel consumption by up to 35%, is extremely easy to install and works on any vehicle made after 1996.
Fuel Saver Pro is a compact, affordable, and simple-to-use tool that works with a car’s engine to lower fuel consumption. And it is amazingly effective. It plugs into the ODB2 port located under the dashboard, and starts immediately optimizing your fuel consumption so you can save more money. This is mostly something that will save you money if you have an older car (before 2015).
- You will spend less money on fuel
- Fuel Saver Pro will upgrade the fuel efficiency of the ECU in the car
- Using less fuel is also eco-friendly
- Easy to use!
- Compatible with almost every car and model post-1996
- Compact product design
- Reduction of fuel consumption by 35%
9. Consolidate All Your Existing Debt Into One Simple Payment
Trying to save money can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt consolidation is the process of combining all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. The likelihood in these circ*mstances of reducing interest rates is very high, and there are many firms out there who will walk you through the process making it simple and painless. If you have more than $10,000 in debt, then this is something you should do right away. You can get the best quote to consolidate all your unsecured debt by clicking the link below.
10. Get Money Back Instantly For Stuff You’ve Already Bought
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought without having to do a thing? Paribus is an app that lets you find out if stores you’ve shopped at online owe you a refund. It’s free to sign up. Paribus connects to your email account and checks your receipts. If they find out a retailer has dropped their price they file a price adjustment claim for you automatically. Try out Paribus.
Paribus works with a huge number of merchants that you probably already shop at, including Walmart, Amazon, Costco, Best Buy, Target, Apple, Kohl’s, and more!
11. Never Pay For Home Repairs Again
Many homeowners don’t have the extra cash to shell out for repairs when something in the house breaks. You most likely have homeowners insurance right? But what about if your washing machine of 10 years breaks down? Or your dryer just stops working one day? Homeowner insurance won’t cover those repairs. That’s why getting setup with a Home Warranty Program can actually end up saving you a lot of money in the long run. It will cover any unexpected repairs to your appliances, plumbing, water heaters, heating and other electrical systems. They also will replace anything that they can’t fix. Make sure you shop around for rates on a home warranty program – this website will give you quotes that you can then choose from. A home warranty program should be a minor cost that can end up saving you major money.
12. Save On Health Care Costs With A Medicare Plan
Healthcare is an essential part of human life, and the costs of doctors and the right treatments add up more and more as we age. Right now we’re seeing just how important it is to have your medical costs covered. Most retirees need to take some type of medication, so it’s only right that you should be getting the most out of your medical insurance.
By working with the best insurance company for your needs you can be sure to have the best coverage for the cheapest prices.
Some insurers will send seniors a discount card that you can show when paying for prescriptions. Just remember to check with your local pharmacy to see what discounts are available to you, because discounts might change depending on location.
Many seniors may be able to get extra benefits and don’t even know they’re available. You can also check if you are eligible to get vision, dental, hearing or prescription drug coverage included in your plan.
13. Arctos – Cool Down Any Room In 10 Minutes or Less
Since summer is about to start, this is a gift you might want to stock up on while it’s still on sale. It’s a new portable cooler that doesn’t require a ton of electricity or energy. Get your own mini portable cooler that can actually cool an entire room in less than 10 minutes.
Arctos uses the latest technology on the market to even filter the air while cooling it at the same time. Not only that but it comes with a USB port so you can connect it to your laptop and take it with you on hikes, picnics, or just to use while sitting outside in the sun. There are 3 different modes you can set your Arctos to; 1) cool, 2) chill, 3) is freezing. Grab this for mom before the special spring sale is over!
14. Install A Home Alarm System To Save On Home Insurance
This money saving idea is also for homeowners, so if you’re a renter you can skip this one. Did you know that homes without security systems are 2.5 times more likely to be targeted by burglars and intruders? But installing a home alarm system isn’t just to stop burglars and intruders, it can also save you big money year after year. A house alarm will save you money on your homeowners insurance policy (which is generally mandatory if you own a home). In fact, on average installing a home alarm system will give homeowners a 10-20% discount on their insurance by having a high functioning home alarm system installed. The good news is that these home alarm companies are pretty desperate for customers at the moment so you can get a good deal. For instance, one of the best alarm system companies – ADT is currently offering over $200 in savings if you sign up now. They’ll give you the free installation of an ADT Video Doorbell Camera.
15. Get A Personal Loan (From $100 to $35,000)
Many homeowners might find that they are unexpectedly in a tough financial spot and need a little bit of help. That’s where personal loans can help. Personal loans can be used for almost any expense – from paying off credit cards to financing home repairs. They are typically paid back in monthly or bi-monthly installments over an extended period of time. Personal loans can be a convenient alternative to bank loans or high-interest credit cards, with online applications and no-hassle automated repayment. With PickALender you get access to loans for whatever you need and get to see the terms upfront before any commitment. Make sure you look at the interest rates offered and the loan repayment terms before going ahead with anything though.
16. Homeowners Can Save Up To $48,000 On Their Mortgages
One of the many perks of being a senior citizen is access to benefits that are otherwise unavailable to your younger peers. Unknown to many seniors are some of the amazing government refinance programs available to them.
Currently, Congress’ mortgage relief program can lower senior homeowner payments by as much as $3,252 per year!
The bad news? This program is very temporary, as the banks want it eliminated as soon as possible. The good news is that once you qualify, you’re in for good. There’s nothing anyone at any bank can do to affect your savings. This program can expire anytime in 2020, so you must act now and see if you qualify for one of these life-changing refinance programs before it’s too late.
URGENT: So many senior homeowners could still benefit today, but sadly, many perceive this Congress mortgage program as too good to be true. Remember, it’s a free program and there’s absolutely NO COST to see if you qualify. See if you qualify now before it’s gone…
17. Stop Overpaying For Wines – Get 15 Bottles of Overstocked Wines For $6.58 Each
If you ever wanted to explore new wines from around the world and pay a fraction of the retail price, then Splash Wines is for you! Staying at home can be boring… Staying at home with a bunch of new wines to try out, can’t say that’s a bad idea.
Splash Wines curates some of the highest quality wines and provides them to you at steep discounts. For instance, many customers are receiving bottles of wine that usually cost between $20-$30 for only $6.58 per bottle. How do they offer such low prices? Since Splash doesn’t have retail stores, they are able to bypass the middle-man, like importers and distributors, and then they pass the savings on to their customers.
18. FIXD – Never Get Ripped Off On Auto Repairs & Save Thousands!
Have you ever seen the check engine light and simply ignored it? Have you ever thought about why you ignored it? Well, I know for me I would do just about anything to avoid going into an auto repair garage. I know they are going to try an up-charge me for repairs I don’t need, I’ll have to shell out $150 an hour for “labor” and worst of all, they might not even fix the problem. What follows ignoring the check engine light is a severely damaged car and thousands of dollars of repairs.
Seniors, unfortunately, fall victim to these mechanic scams more often than not. Mechanics view our senior citizens as the ultimate prey. Well FIXD is turning the tables, and mechanics hate it.
FIXD, a brilliant car gadget invented by a group of MIT grads, eliminates this whole process by immediately and simply diagnosing what’s wrong with your car. If you’re low on radiator fluid but your mechanic tells you that you’re transmission is out- you know he is lying.
Unfortunately, occurrences like these are quite common in the auto industry. Especially with seniors. With FIXD, you will never have to trust a mechanic again. FIXD puts the mechanic in your pocket and saves you thousands
19. Neighbor – Get Paid To Store Things In Your House
Here’s a new idea to make money that you would have never even guessed existed. It’s called Neighbor and it’s a way for you to rent out any extra space you have in your house, garage, driveway, basem*nt, shed or anywhere else you can think of. It works similar to AirBNB, you list the space you have available and you choose which renters can use your space. Your space is automatically insured through Neighbor for $1,000,000 in free coverage. Get your space listed on Neighbor now while you can still make some good extra cash!
Bonus #1: StopWatt – This Device Can Save You Up To 90% In Your Next Electricity Bill
Electricity prices around the world are soaring just like gasoline. That’s why this device called StopWatt is quickly going viral in the United States. StopWatt is a small, compact, affordable, and easy-to-use plug-in unit that stops unnecessary power from entering the electrical cables and overloading the network. That means you could be saving up to 90% on your next electricity bills just by using this new technology.
It’s super easy to connect. Simply plug StopWatt into the outlet closest to your breaker box. That is all you need to do. Once it’s plugged in, the green LED light indicates it is powered on and working.
Bonus #2: America’s Comeback Summit – Learn To Become An Angel Investor With Just $50
Did you know there’s a special corner of the U.S. economy that has been off limits to main street American investors? This secret market has typically only been available to the richest people. This private club has become the rocket fuel that propels our economy and is responsible for about $3 trillion a year in U.S. economic output. The club has been called Angel Investors and they always get first dibs on investing in the hottest new startups like Doordash, Uber & Tesla. How is it fair that regular investors didn’t have access to this market? Fubu founder and entrepreneur Daymond John reveals how you can learn to become an angel investor with as little as $50. He’s breaking down the barriers to accumulating wealth and wants every American to have the same opportunity as the fat cats on Wall Street. Watch this video to see his step by step breakdown of how to become an Angel Investor.
