Check your bank account right now. Chances are, you might have over $1000 sitting in your checking account. If that’s you, listen up.
Unless you’re planning on making a big purchase anytime soon, that money is going to waste sitting in your checking account. Why not invest in assets, grow your savings, or cut back on spending? Here’s eight financial moves to consider with your surplus of money.
1. Vaulted
Have you ever heard that our money has no intrinsic value anymore? Looking for an investment that has been valuable since time immemorial? Look no further than Vaulted.
Vaulted allows you to invest in physical, deliverable gold. Not just a stock that tracks the commodity’s worth. This puts your financial future in your own hands. The gold is stored at the Royal Canadian Mint and a real gold kilo bar can be at your doorstep within a week.
Gold acts as the perfect hedge for traditional stock investments. Additionally, Vaulted offers the best cost structure in the industry, personal advising from commodities experts, and top-tier security.
2. Capital One Shopping
Capital One Shopping is a service I’ve been using and personally found success saving both time and money with.
Add the extension to your browser, and any time you’re shopping online, Capital One has your back. The extension alerts you if another website offers the same product at a lower price. It also searches the internet and plugs in a variety of coupon codes upon checkout. All in the name of saving you money.
It’s free and easy to install, so what are you waiting for? Download the Capital One Shopping extension today.
3. SmartFinancial
Buying insurance sure sounds like a hassle, doesn’t it? Spending hours comparing rates and coverages, and still ending up overpaying for some subpar insurance. Worry no more, SmartFinancial makes the insurance buying process a breeze.
Whether you want to insure your home, car, life, health, or commercial space, SmartFinancial is there for you. Simply visit their site, answer a few questions, and they’ll find the lowest rates in your area. Then you can choose the right offer for your needs. The best part? It’s all 100% free.
4. Truebill (Rocket Money)
Subscriptions are everywhere now. From streaming services like Netflix and Hulu to the all-in-one delivery system Amazon Prime, these monthly fees can snowball quickly. Rocket Money, formerly known as Truebill, is dedicated to helping customers solve this problem.
Take control of your financial life again with Rocket Money, which instantly finds and tracks your subscriptions. Their team will cancel services for you, saving you precious time and energy. The app also logs your spending, showing you a breakdown of where you’re spending most and how to save. Automated savings, credit reports, lowering bill prices, and budgeting are all featured in Rocket Money’s financial toolkit as well.
Download the Rocket Money app or sign up for free online today.
5. Quicken & Simplifi
Simplifi helps you stay on top of your finances in under 5 minutes per week. Their unique insights show you the big picture and allow you to maximize savings, optimize spending, and reach your goals.
You can connect your bank accounts, credit cards, loans, investments, and 401(k) all to the app, giving you a comprehensive look at your financial situation. Set savings goals like a new home or special vacation, and Simplifi will help you get there. Track your bills and projected cash flow to understand what’s left to pay off. The app automatically generates a spending plan that fits your personal needs.
For as low as $4/month, Simplifi can turn your financial future around.
6. M1 Finance
You may have heard the saying “time is money”, and that is something M1 Finance has taken into account. M1 Finance, or The Finance Super App, is an all-in-one intuitive platform that has the ability to invest, borrow and spend.
With its automated money management, all you need to do is set your strategies, then sit back, relax, and let M1 do the heavy lifting. Investments are commission-free and include fractional shares and dynamic rebalancing.
M1 already has over 100,000 investors using it daily. It has been called “Best for sophisticated investors” by Investopedia and “One of the best robo-advisors” by Money as of this year.
Right now, M1 is running a limited time offer which includes a FREE $10 credit to anyone that opens a new M1 account using our link! Just register as a new user and add a minimum of $100 to your new account within the first 30 days and you’ll automatically see your $10 added. Hurry though, this offer ends Nov 30th, 2022.
7. Go2Bank
In today’s world everything is on your phone, so why not your bank? Go2Bank calls itself the Ultimate Mobile Bank Account, and for good reason. Unlike legacy banks, Go2Bank is part of the new banking revolution, and is built to work entirely for your phone.
With their app you can pay bills, cash checks, and deposit cash at local retailers. The great benefits include competitive savings account rates, cashback on eGift card purchases, a nationwide ATM network, and various ways to build credit. There’s no monthly fees, no hidden fees, and no minimum balance required to open an account.
So if you’re tired of your old bank, or simply exploring options, check out Go2Bank.
8. Credit Karma
Credit Karma is another service I’ve personally used and found helpful. Their app will alert you if your credit changes, show what factors affect your credit score, and recommend ways to increase your score. The transparency and ease of use makes Credit Karma a top choice for me, and has boosted my confidence in my credit.
While I’ve only used the app to keep track of my credit score, there are plenty of other ways Credit Karma can help your finances, such as will suggest credit cards and loans you may be eligible for. Your Approval Odds are shown before applying, so you know the chances you’ll be accepted for a certain card or loan.
Additionally, Credit Karma offers banking services, personalized debt relief, and more. Learn more about what Credit Karma can do for you here.
