When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.
Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier. Turn Your Junk Mail Into Cash
You know all those flyers and advertisements you get in the mail each day? The ones you never wanted but have no idea how to opt out of?
Well, you can turn them into cash.
The Small Business Knowledge (SBK) Center is a market research company that wants to get a peep inside your mailbox. Join its consumer panel, and start shoveling that junk mail into a postage-paid envelope and, at the end of each week, send it over to the SBK Center.
No, you won’t be rolling in extra cash, but you can earn up to $20 every six to 10 weeks. Ask This Company to Get a Big Chunk of Your Debt Forgiven
A company called National Debt Relief could convince your lenders to simply get rid of a big chunk of what you owe. No bankruptcy, no loans — you don’t even need to have good credit.
If you owe at least $15,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts will build you a monthly payment plan. As your 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. It takes less than a minute to sign up and see how much debt you could get rid of. Set Up Direct Deposit — Pocket Up to $400
When you set up an eligible direct deposit with SoFi Checking and Savings (Member FDIC), you’ll get up to $400 straight into your account. No… really. Just a nice little bonus for making a smart switch.
Why switch? With SoFi, you can earn up to 3.30% APY on savings and 0.50% on checking, plus a 0.90% APY boost for your first six months when you set up direct deposit or keep $5,000 in your account. That’s up to 4.20% APY total. Way better than letting your balance chill at 0.40% APY.
There are no fees. No gotchas. Make the move to SoFi and get paid to upgrade your finances. Stop Paying Your Credit Card Company
If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… but a website called AmONE wants to help.
If you owe your credit card companies $100,000 or less, AmONE will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmONE rates start at 6.49% APR), you’ll get out of debt that much faster.
It takes less than a minute and just 10 questions to see what loans you qualify for.