Life would be a lot easier if someone just did us a $1 million Venmo, but unfortunately the chances of that happening are, well, probably zero. (Venmo doesn't allow large transactions anyway.)
But even though our chances of becoming millionaires are slim, we can still manage our money like one. No, we're not going to tell you how to buy hundreds of shares of Apple stock. Or How to Choose the Right Yacht.
These are simple money moves that any normal, non-millionaire person can do today. Each secret can move you closer to achieving your bigger goals.
1. Use This Secret Banking Account
Here's the deal: If you're not using Aspiration's debit card, you're missing out on extra cash.
Yes. By signing up for a free debit card called Aspiration, you can get up to 10% back every time you swipe, plus they give you up to 100 times the normal interest rate on your balance.
Need to buy groceries? Get extra cash.
Need to fill the tank? Bomb. Even more extra cash.
This card used to have a huge waiting list, but you are now eligible to sign up for free.
Enter your email address here, and link your bank account to see how much extra cash you can get from your Free Aspiration account. And do not worry. Your money is FDIC insured and under a military-grade encryption.
2. You Can Cancel Your Car Insurance
Did you know that changing car insurance companies can save you some serious money?
It's true – rates are at historic lows, and you could pay less for the same coverage. All you have to do is look for it.
But don't waste your time going around different insurance companies. Use a website called Evernote to see all of your options at once.
"Every" quote is the largest online marketplace for insurance in the US, so you'll find top choices from over 175 different carriers handed straight to you.
Take a few minutes to answer a few questions about yourself and your driving record. With this information, Evernote will be able to give you the top recommendations for car insurance. In just a few minutes, you can save up to $610 per year.
3. You Can Buy Another Company for $1
Take a look at Forbes' list of the richest people, and you'll see that almost all billionaires have one thing in common - they own another company.
But if you work for a living, and it doesn't happen that you have millions of dollars lying around, it can be completely out of reach.
That's why a lot of people use the Stash app. It lets you be part of something that's usually exclusive to the richest people — buying pieces from other companies for as little as $1.*
That's right – you can invest as little as $1 in pieces from well-known companies like Amazon, Google or Apple. The best part? When these companies profit, so can you. Some companies also send you a check every quarter for a portion of your profits, called dividends.
It takes two minutes to sign up, plus Stash will give you a $5 sign-up bonus when you deposit $5 into your account.**
4. You Can Spend $10 to Buy an Apartment Building
Take a look at some of the richest people in the world. What do they have in common? Many invest in large private real estate deals. And here's the thing: There's no reason you can't, either — for as little as $10.
A company called Fundraise lets you get started in the real estate world by giving you access to a low-cost, diversified portfolio of personal real estate. The best part? You don't need to be a landlord. Fundraising does all the heavy lifting.
Fundraise's starter portfolio has a minimum of $10 and is geared toward first-time real estate investors. Your money will be invested in the company's flagship fund, which already owns more than $250 million in real estate across the country, from apartment complexes to the red-hot housing rental market to large last-mile e-commerce logistics to the center.
As tenants pay their rent, you can make money through quarterly dividend payments, and over time, you can make money from the property's potential appreciation. Since 2014, fundraise investors have earned nearly $100 million in dividends alone.
So if you're looking to get started in the world of real-estate investing, it only takes a few minutes to sign up and create an account with Fundraise.
5. You Can Quickly Add up to 300 Points to Your Credit Score
You might not think that your credit score is that important. In fact, you may not think much about it. But what happens when you want to buy a car? Or a house? Unfortunately, those three little numbers play a huge role in whether you'll be able to do so.
And if you have an error on your credit report (one in five reports it), it could get in your way.
Thankfully, a website called Credit Sesame will help you spot any errors – for free. It shows you why you have the score you do and gives you personalized tips to steer you in the right direction.
Salome But urea, a working mom in Louisiana, thus found a major error in her report. Using Credit Sesame, she was able to take additional steps to correct the mistake and raise her credit score from 524 to about 700.
Now she and her husband feel they are in a better position to meet their biggest goal - buying a house. It only takes 90 seconds to sign up.
6. You Can Stop Paying Your Credit Card Company
If you have credit card debt, you know. Anxiety, interest rates, the fear you'll never escape…
And the truth is, your credit card company doesn't really care. It's only getting you rich by tricking you with high interest rates - some up to 36%. But a website called Fiona can help you pay the bill as soon as tomorrow.
Here's how it works: Fiona can match you up with a low-interest loan that you can use to pay off every credit card balance you have. The gain? You only have one bill left to pay each month, and because the interest rate is so low, you can get out of debt so quickly. Plus, no credit card payments this month.
If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral required) with fixed rates starting at 2.49% and terms of 6 to 144 months.
Fiona won't ask you to stand in line or call the bank. And if you're worried you don't qualify, it's free to check out online. It only takes two minutes, and it can save you thousands of dollars. Totally worth it.
All that credit card debt -- and the anxiety that comes with it -- may be gone by tomorrow.
* Paid non-customer support. Check out Apple App Store and Google Play reviews. See important revelations. Investment advisory services offered by Stash Investments LLC, an SEC registered investment advisor. This material is distributed for informational and educational purposes only, and is not intended as investment, legal, accounting or tax advice. Investing involves risk.
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