Our finances most certainly can have a huge impact on our lives and our overall well-being. Nobody likes being broke and in debt up to their eyeballs!
Luckily, there are plenty of ways that we can improve our finances. From needing to make more money to better managing your spending, these 8 ways to improve your finances can help you no matter your situation.
1. Earn extra cash today
There are so many ideas to make extra money and one great way is to take surveys. You probably always have your phone with you, so you can do this from pretty much anywhere. Here are a couple really popular survey companies that you can start with right away for free.
- Swagbucks – This is a really awesome company that pays you for doing more than just taking surveys such as doing tasks online (watching videos, surfing the web, etc.). They also offer a $5 sign up bonus to new members.
- Survey Junkie – What I really like about this company is that it has such a low payout threshold. You only have to earn $10 to be able to get cash instantly delivered to your Paypal account (which is free to get).
2. Check your credit
Making sure your credit accounts are in good standing is so important when you are trying to get your financial life in order!
With identity theft on the rise, it’s never a bad idea to make sure everything is the way it’s supposed to be. The sooner you discover an issue, the better the chances are of things getting fixed without causing you to waste HOURS getting things sorted out.
I use a site called Credit Sesame to check my score and it gives me my report for free right away. Checking your credit at least a couple times a year can help protect you from fradulant activity.
3. Get paid to shop online
There are a lot of companies that pay you to shop online (which most of us already do anyway). Why would they pay you to shop online? Because they get paid a commission by companies like Amazon to find people to shop there. And then they give a piece of that commission to people like you and I. Pretty cool really.
4. Start a budget
I know, nobody likes the thought of budgeting. Let alone actually coming up with one. But creating a budget can help improve your finances on every level right away.
Tracking your income and expenses can help you see exactly what’s going on with your money. Then you can figure out what you need to change. Many people find out really quickly that they are spending a ridiculous amount of money every month on things they shouldn’t.
If you are really deep in debt or need help coming up with a budget, you might need some professional help to come up with a plan. Budgeting for Budget Haters is a great course created by a budgeting expert that can help you out.
5. Make sure you’re not paying too much for auto insurance
Did you know 39% of policy holders have never searched around for a better rate? That’s ALOT of people that are probably paying too much for auto insurance.
Many insurance companies raise premiums just a bit every renewal, knowing the chances of that making you search around are slim.
Searching around is a great way to save money in this area. Look into Esurance to see if you can get a lower premium right away.
6. Use shopping rebate apps
Many people hear about shopping rebate apps and don’t take the time to actually look further into them (this was me for so long). It doesn’t take as much time as you might think and you can get quite a bit of money back from shopping at places that you are already shopping at.
Ibotta is one of the most popular apps and is very easy to use. Some people have reported making (or saving depending on how you look at it) an extra $500 to $1000 a year from using Ibotta. All you have to do is select the store you will be shopping at, pick products you plan to buy, and scan your receipt. Then they add your money into your Ibotta account, which you can have transferred to your Paypal account once you reach $20.
You can also get a $10 sign up bonus by signing up through this link!
7. Get a robot assistant
There is a really awesome free saving assistant tool called Trim that helps you cancel unwanted subscriptions, renegotiates your bills, alerts you about any fees on your account, and finds you cash back.
Signing up is easy and you can use the tool through either Facebook Messenger or regular text messages.
8. Find a side hustle
There are so many side hustle ideas that you could start doing to make some extra cash. My two favorites are blogging and flipping.
I was making money in about three months after starting my blog and was making $2300 a month in just seven months. After I did a bit of research and saw the people who were making money from blogging with no prior experience or college degree, I thought why not me too? I am so glad I started my blog last year. Now I can work from home and spend more time with the people who matter most to me. Learn how you can start your own blog here.
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I don’t flip items anymore since I started blogging full time, but I used to make pretty good money for only working a little here and there. If you are interested in making some serious cash with flipping but don’t know where to start, I HIGHLY recommend checking out Flipper University. The couple that created the course made $133k last year alone! You can find out more about the course here.
You may also enjoy…
- 20 Good Paying Jobs For People Who Don’t Like People
- How I Made $2300 From Home Last Month
- 100+ Ways To Make Extra Money This Year
- 9 Lists That Will Save You Money In All Areas Of Your Life
- 5 Real Ways To Make An Extra $1000 A Month
What are your plans to improve your finances? Let me know in the comments below!
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