This 8-Day Savings Challenge Is Going Viral By Making People Richer
Not all of us are born to be organizational wizards, but if you want to get ahead with your money, you’ve got to get it under your control. It’s the only way you’ll get any of the big stuff done, such as paying off debt, taking a real vacation, buying a house, or saving for retirement.
We get it, though. Not all of us keep everything neatly filed, color-coded, alphabetized, and prioritized. And you don’t have to be.
Here are some simple things you can do — in less than two weeks — to get your finances under control:
Day 1: Get up to $100,000 From This Company
Every month, you make payments toward your credit card debt. But you never seem to make a dent. It’s because of those sky-high interest rates — as much as 24% interest. It can feel impossible to get ahead.
But MoneyLion could help you find offers to cut your interest rate by 70% as soon as tomorrow.
Here’s how it works: MoneyLion can match you with new loan offers at a lower interest rate — as low as 5.99% APR*. That’s 70%* lower than the average credit card interest rate. And it’s the key to finally getting ahead.
You can use this new loan to pay off all your existing credit card debt, leaving you with one (cheaper) monthly payment that will help you get out of debt faster.
If you have a credit score of at least 620, you could get up to $100,000. With no collateral. And terms go up to 240 months.
Worried you won’t qualify? Take two minutes to check online and see if you could cut your credit card interest rate by 70%.
*Based on creditworthiness. Average credit card interest rate is 24.72% as of 8/14/24, according to Forbes Advisor’s weekly credit card rates report.
Day 2: Cancel Your Car Insurance
You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix.
Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $996 per year.
If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you.
Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.
Day 3: Get a $150 Prepaid Mastercard to Ditch Your Slow Internet
There are some bills you just can’t avoid. For most of us, that includes our internet bill. You can’t exactly go without it these days, and your provider knows that — that’s why so many of us are overpaying.
But with T-Mobile, you can get high-speed, 5G home internet for as little as $35 a month. They’ll even guarantee to lock in your price.
You’re probably thinking there’s some catch, but they’ll let you try it out for 15 days to see if you like it. If not, you’ll get your money back. You don’t even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees.
Even better? When you switch now, you’ll get $150 back via prepaid MasterCard.
Just enter your address and phone number here to see if you qualify. You could be paying as low as $35 a month for high-speed internet.
Day 4: Leave Your Family $250K or Much More
We never seem to have enough savings or investments. But there’s one particular way to make up for that shortfall: life insurance.
None of us like to think about what happens to our family if we pass, but this is a smart way to free them from a burden – and give them peace of mind.
With NerdWallet, you can get multiple life insurance quotes all in one place and find a plan that’s probably far more affordable than you think.
You can choose whole life plans if you want to do it once, forget about it, and have coverage for the rest of your life. Or you can pick from term life plans to get even lower rates with coverage that can last a few decades.*
Is it finally time to get covered? It’s easy to get life insurance quotes from NerdWallet to see just how affordable a good policy could be for you.
Day 5: Earn 4.00% Interest on Your Savings and Still Access Your Money Any Time
You’ve been with the same bank for years, and how do they repay your loyalty? With a measly 65 cents in earned interest every year.
And you’re not alone. The national average interest rate for savings accounts is just 0.46%.
But there’s a way to grow your money 9 times faster than the national average—completely risk-free.
When you sign up for a Capital One 360 Performance Savings Account, you’ll earn 4.00% APY on your account balance. Just to be clear, that’s almost 10 times the national average for a regular savings account.
There is no minimum deposit to open and maintain your account, and you’ll never pay monthly or maintenance fees.
You also don’t need to worry about accessing your savings—you can withdraw your money at any time with no penalties. Plus, all your money is FDIC-insured, which basically just means it’s super safe.
Signing up for your Capital One 360 Performance Savings Account only takes a few minutes. After that, you can sit back and watch your savings grow.
Day 6: 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.
It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.
And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.
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.
Day 7: Skip the Interest Until 2026 With This Balance Transfer Card
Aiming to ditch high-interest payments and score cash back on everything you buy? Who isn’t, right?
This card makes a balance transfer easy and affordable, plus you can save money on interest while you earn rewards. With a lengthy 0% intro APR on balance transfers until 2026, you’ll get some well-deserved breathing room to pay down balances interest-free. Plus, a $200 cash bonus is waiting for you, and you’ll enjoy 2% cash back on everything you buy — helping you make the most of your everyday spending.
Here’s what makes this card a win-win:
- $200 cash back bonus
- Unlimited 2% cash back
- $0 annual fee
- 0% APR on balance transfers for 18 months
Get the most out of your spending. Learn more about this balance transfer card today.
Day 8: Protect Your Household from System & Appliance Breakdowns — and Save BIG!
It’s possible your fridge or HVAC system could turn on you at any moment, and there’s nothing your homeowner’s insurance would do to protect you.
Besides, would you really want to wait on insurance to get around to begrudgingly sending out help?
Choice Home Warranty’s plans deliver rapid response times for household repairs. Service is available 24 hours a day via their app, website, or phone.
A small monthly fee protects your washer, dryer, HVAC system, stove, fridge, and more—things your insurance company won’t.
And not to keep bashing your awesome homeowner’s insurance, but these home warranty plans cost way less and could save you much more money than insurance.
Choice Home Warranty has protected more than 2 million homes from having to cancel plans or lean on credit cards. With a network of over 25,000 insured technicians, help is never far away.
Learn how you can get a Free Quote. Just take this 30-second quiz to learn how much coverage you need to protect your finances from appliance repairs.
