8 Best Websites to Earn Money With Online Surveys

Are you looking for a side hustle? Companies often conduct surveys to do market research and measure brand awareness, find new markets, understand their customers, among other things. 

online surveys

They are easy and don’t take too much time to complete, it can be an excellent way to monetize your spare time.

However, you should stay away from companies that pay too little money, ask for a fee, or have no ratings.

 Here are the eight best websites to earn money with online surveys. 

1) Swagbucks

Swagbucks is one of the most known survey websites. It’s been around for almost 15 years and has an excellent rating with the Better Business Bureau. You can earn anywhere from $0.40-$2 per survey, they pay via PayPal or cash gifts.

2) LifePoints

This company was founded in 1946 and has over 5 million members. The survey’s subjects vary from technology to automobiles and others. LifePoints pays $0.50 – $1 per survey, and they pay via PayPal and gift cards. 

3) PrizeRebel

Signing up for Prize Rebel is quick and easy. They pay anywhere from $0.40 to $0.60 per approved survey. The minimum threshold to withdraw your funds is only $5, and their payment methods are Paypal, Dwolla Cash, or gift cards.

4) American Consumer Opinion

American Consumer Opinion has a great rating on BBB and has been around for more than 41 years. You can earn anywhere from $0.05 – $0.50 per survey, and you can withdraw your funds via PayPal cash, Hyperwallet, or a charitable donation.

5) Opinion Outpost 

To be a member, you’ll first need to complete a preliminary screening, and answer personal information like your education level, number of children and your profession. Opinion Outpost is rated 4/5 on TrustPilot. You can earn anywhere from $0.30 – $3 per survey. You can get paid via PayPal, Amazon gift cards, Apple App Store and iTunes gift cards.

6) Inbox Dollars

This company was founded in 2006, and has already paid over 59 million dollars to its users. Inbox Dollars requires at least $30 to cash out and pays via Gift cards, prepaid Visa card, or a check in the mail.

7) Survey Junkie

With more than 10 million users, Survey Junkie has been in business since 2011. You can earn money by taking paid surveys, testing products, participating in online or in-person focus groups, among other things. It has a good rating on BBB, B+. You’ll need at least $10 to withdraw your funds, and you can earn $0.50 – $3 per survey.

8) MyPoints

MyPoints has been in business since 1996 and has paid over $236 million to its 10 million users. You can earn money by taking surveys, watching videos, playing games, shopping online and in-store, printing and redeeming coupons, among other things. The minimum to cash out is $10, and you can get paid anywhere from $0.35 – $0.55 per completed survey. 

 

How to Protect Yourself on Social Media

For better or for worse, social media has changed the way we connect to each other. We only need a few clicks to share our information, and one mistake can ruin your career or even your life, or it can also make you a target for cybertheft. Here are six tips to protect yourself on social media:

protect yourself social media

Create a Safe Password

Is your password “password1” or “12345678”? One of the most important things to pay attention to when using social media is to create a safe password so that your account doesn’t get hacked into. Safe passwords are at least eight characters long, has a mix of uppercase and lowercase letters, symbols, and numbers.

Review Your Privacy Settings

Social media networks, such as Facebook, Instagram, and Snapchat, have privacy settings where you can control what you want to share and with whom. For instance, on Facebook, you can choose who can see your posts and your friends list, who can message you or see your phone number and email address. It is a good idea to only share your personal information with your friends and family.

Disable Geotagging

One of the most dangerous social media features is geotagging. Showing your exact location, which includes even the latitude and longitude, and where you are at the moment, might make you susceptible to criminals knowing where you live and planning to rob you when you’re not home.

Only Add People You Know and Trust

It is important to only add friends and family to your personal social media profile. Since anyone can easily create a fake profile and pretend to be someone else, scammers use the Internet and social media to blackmail you or commit other crimes. If you need to use social media for work, it is a good idea to have a separate profile where you don’t share important personal information online.

Disable Automatic Login

If you want to be extra securel, it is advisable to disable automatic login so that people can’t access your social media profile if someone steals your device or if you step out for a moment and leave your computer unlocked.

Be Careful With What You Post

Anything you share can be on the Internet forever and can be used against you in one way or another. Apart from your telephone number, home address, and social security number, it is not appropriate to share strong political opinions online, or polemic topics, or even revealing photos. One good rule of thumb is not to share anything your grandma wouldn’t want to see.

 

6 Apps That Make Budgeting Easy

Do you find it hard to create a budget and stick to it? A budget is essential to control your spending and have a healthier financial life. You could use excel spreadsheets, or even the good old pen and paper, but apps make it so much easier to control where your money is going, without much effort. Here are the six best budgeting apps:

apps budgeting

1) You Need a Budget (YNAB)

Have you ever heard of the envelope budgeting method? YNAB makes it easier for you to do it. Its aim is to help users stop living paycheck to paycheck and build their emergency fund. It costs $11.99 per month or $83.99 per year, and it comes with a 34-day trial.

2) Mint

Mint is one of the most popular and consolidated budgeting apps in the market. With Mint you can check your credit score for free, and examine where you’re spending your money, filtered by category, so that you can decide where to make cuts and how to make better use it. This application is free, and it can be downloaded on iOS and Android devices.

3) Every Dollar 

Every Dollar was created by the financial specialist Dave Ramsey. Dave created Baby Steps in which people have to follow to be financially healthy. It is based on a strategy called zero-based budgeting, which is similar to the envelope system. This app will help you assign your dollars to each appropriate category, this way you’re more aware where your money is going. It is free but it has a premium version that costs $99/year.   

4) Wally

Wally is free for Android and iOS and does its job well when it comes to budgeting. Its aim is to monitor your income so that you know where each buck is going and why. It sends reminders when you reached a goal or when a bill is due, so it’s great for people who forget to pay their balances on time.

5) Trim

One of the most important things for people that want to organize their personal finance, and worry less about money, is to create an emergency fund. This app is awesome for that since it automates weekly transfers into a savings account. Bill negotiation is another great feature this app offers. It can help you have money on bills like car insurance, cable, Internet services, and others. Trim also has a debt pay off plan to assist you to take back control of your budget. 

6) Mvelopes

Mvelopes offers three different plans for its users, with different features: the basic costs 6 dollars per month; plus that costs $19 per month; and complete, that costs $59 per month. The best thing about this app is the live support, on which you can talk to a financial personal trainer. Some other features include digital envelope budgeting, account balance monitoring, interactive reports, and one-on-one help.

7 Best Freelance Resources

Being a freelance worker is not as easy as it seems. It requires lots of discipline, effort, and time management skills. Fortunately, there are a lot of resources available online for only a few bucks, or even for free, so that you don’t have to struggle anymore. Here are the seven best freelance resources:

1) Google Apps

If you can’t pay for expensive software to work, you will probably find Google Apps very useful. You can get Gmail, Google Calendar, and Google Docs without having to pay a single penny. You can also sync the apps with all your devices, and share them with your colleagues or clients.

2) Slife

Time is money, which makes managing time wisely is crucial for every freelancer. Slife is a software that will tell you how much time you are spending on each application, and how productive you are being during the day. By analyzing it, you can start making better choices.

3) Freshbooks

It is very important for freelancers to keep their finances organized, and Freshbooks makes accounting simple. For a mere $15 per month, you can bill up to 5 clients, or if you need more it will cost you $50 monthly to bill up to 500 clients. 

4) Udemy

With the Internet, it’s not necessary to pay for an expensive degree to get access to learn new abilities and get new information anymore. With only a few dollars you can choose from 80,000+ of courses, in a big variety of subjects, that can range from photography to languages, and computer programming.

5) Skillshare

Skillshare is one of the Udemy’s biggest competitors. With Skillshare, you can also find affordable courses, on which you can learn new skills for your job, but you’ll also be able to find courses to help you price your work as a freelancer. The main difference between Udemy and Skillshare is that you’ll pay a fixed price of $15/month for a premium membership that will give you access to unlimited classes, whereas on Udemy you’ll need to buy each course individually.

6) Trello

Are you looking for a tool to help you manage your projects and deadlines? Then Trello might be an excellent choice for you. On there, you’ll find a simple but effective dashboard to visualize and organize your next and past actions as well as interact and contact other team members. Trello has a free version for unlimited dashboards and up to 10MB of space.

7) Notion

Notion.so is a powerful creative annotation tool, where you can organize your documents, notes, tasks, projects, spreadsheets and databases, all in one place. This application is free for up to 5MB file uploads, and 1,000 blocks or you can pay $4 per month to have unlimited file uploads and blocks.

How to Lose Weight and Save Money

If you ask around what people’s goals are, most of them will say they want to save more money and lose weight. However, it’s a common misconception to think that you need to spend lots of money on diet food and expensive gym memberships. In reality, you can change a few simple habits and live a healthier, lighter life without that much effort and spend even less money. 

lose weight and save money

Cut Your Costs By Meal Prep

Most people give the excuse that they can’t eat healthy because they don’t have time for it. Eating out and ordering takeout can genuinely hurt your budget, and it will also make you eat more unhealthy processed foods. By meal prepping, you can buy ingredients from the supermarket or a farmer’s market cheaply, and prepare the food in a few hours and have it ready for the whole week.

Consider Canceling Your Gym Membership

How often do you go to the gym? Do you enjoy going there, or do you just go out of necessity? If you hate gyms, it might be a good idea for you to find cheap or free activities to burn calories instead of paying for membership – that can cost up to $700 a year – and invest this money instead.

Eat Less Red Meat 

Eating steak every day can not only be expensive but also unhealthy. You do not need to become a vegetarian or vegan, but you can reduce your meat intake. It is estimated that you can save up to $800 per year by going vegetarian. There are many cheap proteins you can start eating, such as beans, eggplants, and eggs.

Stop drinking soft drinks

Fizzy beverages don’t seem expensive at first, but it can add up. They also contain a considerable amount of sugar, which is unhealthy and can make you gain a lot of weight. You can potentially save up to $1,000 a year and lose a few pounds by quitting this habit. You can always drink water and refill your bottle whenever you get a chance.

Grow a Garden

By growing your own garden at home, you can not only eat fresh produce, but it will also help you save cash. There are many easy things to grow, such as tomatoes, green beans, herbs, and cucumbers. Since gardening can be physical work, it is also a great way to burn a few calories.

 

How to Save Money on Dental Implants

U.S. health care costs have been increasingly rising over the years. That can be worse if you need dental work. The standard health insurance plan does not always cover implants, and they can cost up to $1,500 in the United States. Here are some ways to save money on dental implants:

Dental Schools

Dental Schools are good options for people who don’t have much money and who are looking for a way to pay less for dental implants. You can have it done for half of the price you would have paid at a normal clinic. The service will be provided by a student, but do not be worried, since they are always under the supervision of more experienced dentists. However, you should be aware that there may be a waiting list. 

Travel to Another Country

Have you ever heard of medical tourism? Since dental work is very expensive in the US, thousands of Americans travel abroad to get it done for a quarter of a price. Countries like Turkey, India, and Brazil have cheaper dental implants, mostly due to the currency exchange. Don’t be concerned about the quality of the dental implant, since most professionals are qualified and work in private clinics.

Dental Insurance

If your health insurance policy doesn’t cover dental care, you might need to find a separate dental insurance plan. Among the best options are Delta Dental, Humana, and Care Credit. Humana, for example, has several dental plan options, like Dental Loyalty Plus, Dental Value, Dental Preventative Plus, Dental Savings Plus, and Complete Dental. The best plan is the one that fits your needs and budget, therefore it’s important to do your research to consider all the products that are available.

Dental Discount Plans

Have you ever heard of dental discount plans? It is a great and cheaper alternative to standard insurance. They are essentially a network of dentists who offer discounts to plan members. This way, you can save up to 60% on dental procedures such as dental implants, root canals, or bridges.  

Do Your Research

It’s always a good idea to negotiate with your dentist before getting this procedure. You might be able to get a large discount or a good payment plan that fits your budget. If you’re not satisfied with the price, you can always find another dentist. Another option is to find a dedicated implant clinic because they might be able to offer you a better deal than others.

7 Best Money Saving Tips For Retirees

You finally reached retirement, a period of the life that many people consider as “golden years”. However, if you’re not careful, you might end up having money problems if you don’t manage your income well. Here are seven money-saving tips for retirees:

1) Stay Healthy

Staying healthy is an important matter for all of us, but even more so for seniors, because that way you are less likely to spend your money on drugs and expensive health care. This is why you should make an effort to have a balanced diet, rest well, get vaccinated, take your vitamins and exercise. Not only will you feel better, but you’ll also save lots of money. 

2) Use Public Transportation

Since you don’t necessarily have to work, there’s no reason why you should drive everywhere. Maintaining a car and buying gasoline every week is not cheap. So why not start taking the bus or the subway? You can also use transportation services like Lyft or Uber, which can be cheaper than driving, depending on your habits.

3) Use Senior Discounts

Did you know that as a senior, you can get access to a good variety of discounts? You can get reduced prices in certain restaurants like Applebees, Dunkin Donuts, IHOP and Subway; even retail stores, travel agencies, and phone plans. You can check some options HERE.

4) Housing

If you have a spare room you’re not using, it might be a good idea to rent it out, and add some extra bucks in your budget. In order to find new roommates, you can place an ad on websites like Airbnb, Facebook or even ask for it to be displayed at churches, schools or volunteer groups.

5) Manage Your Debt Wisely

Debt interest rates can be very expensive, and it can prevent your retirement money from lasting longer. For that reason, it is crucial to create a plan to pay your credit card off, or any other debt that is causing you financial trouble. It’s also a good idea to have savings in case you need an emergency fund.

6) Travel Wisely

Traveling in the summer, or during holidays can be much more expensive. As a retiree, you have a lot more options, since you can travel whenever you want. You can also rent a bedroom or even a whole house on websites like VacationRentals, VRBO or Airbnb instead of getting an expensive hotel room. Another benefit of these types of accommodations is that you can often cook your own food because you have access to a kitchen, allowing you to save even more money during your travels.

7) Reconsider Your Insurance Policies

Insurance plans can be very costly. Therefore, by reevaluating your needs, you might realize that it is not necessary to pay for life insurance anymore if you don’t have kids or if they’ve already grown up and don’t depend on you anymore. 

5 Effective Ways to Protect Yourself Against Cybertheft

The Internet made our life so much easier, especially when it comes to financial transactions. By using your bank app, you can, for example, transfer money to someone else without going to the bank. On the other hand, you might also be subject to cybercrime and have fraudulent transactions made with your account, or even lose all your money. Here are five effective ways to protect yourself against these infractions:

1) Be Careful With What You Share on Social Media

Be mindful of what you share on social media. For instance, you should not share the details of your next vacation, your personal address, your precise location, geotagged images, images of credit cards or even your bank statements. The reason why is that some criminals can use these to commit fraud or steal your money.

2) Enable Security Alerts

Most social media networks, email accounts, and even bank apps have certain security features that enable the user to know if there is a suspicious activity on your account. For instance, someone trying to access it from another device or from a completely different location. You might get a notification on your phone, receive an SMS or even an email if something like this happens. For that reason, it is important to keep it active so that you decrease the chances of cybertheft happening to you.

3) Create Strong Passwords

Certainly, a password with your name and birthday is easy to remember, but that might also be easy to crack. Stay away from common words as well. Therefore, if you want to keep your information safe, you should create a password that is at least 12 characters long, has numbers, symbols, capital cases, and lower-case letters. When creating or changing a password, most websites give you a good guide as to what is expected and will not let you proceed until they believe it’s a secure password. Remember to change your password every few months. You can also enable the two-factor authentication to increase your data safety even more.

4) Don’t Open Suspicious Emails

This tip might seem obvious, but cybercriminals are getting much smarter each day. They often send emails asking for information, or maybe they might require you to download a file with malware or even enter a fake website that looks very real. However, there are some signs you can look for to tell if an email is authentic, like checking the email address. If the domain (name after the @ sign) is not used by the organization that’s contacting you, it’s a fake email made to defraud you. You can also check if there are spelling mistakes, weird requests like your PIN or credit card number, among other things. If you’re suspicious, just delete it.

5) Install Antivirus Software

There are many antivirus softwares you can download that will scan your computer files and browser to see if there is a potential threat before they hack your device. The most well known ones are AVG, McAfee, and Norton, and they come with free basic versions, which means you don’t necessarily have to pay for protection. Keep in mind that you should always keep the software updated as criminals often find ways to exploit loopholes. Updating the software allows these loopholes to be patched.

10 Easy Ways to Make Money During Retirement

Being retired does not mean you can’t work anymore. There are many fun jobs you can do to earn extra income each month, without that much effort in the comfort of your own home. Here are ten easy ways to make money during retirement: 

1) Pet Sitter

Who doesn’t love cute pets? Now imagine if you get to earn extra money to take care of them while their owners are busy or out of town. By doing that, you can earn up to $1,000/month. You can also choose your own prices and schedule. All you need to do is create a profile at Rover.com, accept requests, and get paid two days after completing a service.

2) Rent a Room

Do you have a spare bedroom or even a sofa in your living room? You can meet new people and make new friends while also earning some cash. There are many websites you can choose to offer this service, but the most known one is Airbnb. The amount of money you can earn can vary depending on the location, but it can be up to $800 or more.

3) Sell Crafts Online

Do you knit, create jewelry, or paint? Selling your art online might be a good option to make some extra bucks. Most artisans sell their work at Etsy.com. Etsy charges $0.20 to list an item for four months or until it sells plus 3.5% of the final purchase price. It’s very important that you take good pictures of your items, write excellent descriptions and tags so that your products get found.

4) Teach English to Foreigners

If you’re a native English speaker, you might be qualified to teach the language to foreigners. It is crucial that you have a good Internet connection, a microphone, and a webcam and a quiet room to work in. There are some companies like Cambly, SayABC, Tutoring Lab, Magic Ears, Qkids and Open English that don’t require for you to have a degree to apply.

5) Tour Guide

Do you know your city like no one? By being a tour guide you can learn more about your city, the history, meet new people and share your knowledge with them. If you’re charismatic and intellectual, it’ll play a big part in your success as a tour guide. To get involved, you can look for work on sites like Indeed, SimplyHired, Monster, Craigslist, and ZipRecruiter. You could also apply to your local museums and art galleries. On average, you can earn around $12 per hour.

6) Rent Your Car

If you have a car, but you hardly ever use it or perhaps even have a second car, you might be able to rent your car. That’s where websites like Turo come into play. Turo has been referred to as the Airbnb for car rentals. It’s a great alternative to traditional car rentals that are growing in popularity. Depending on which car you have, its availability and your location, you could make up to $1000 per month or more. Turo only takes 25% from the daily rate which includes insurance and protection. Listing your car is a quick and easy process. 

7) Be a Virtual Assistant

Are you familiar with working in an office? You might be able to do that at home as a virtual assistant. A virtual assistant is someone who provides services to businesses or entrepreneurs remotely. You could be at home, in a coffee shop or even on Copacabana beach, drinking a Caipirinha. There are a number of things that a virtual assistant could be expected to do, including managing appointments, calendars, and emails; digital marketing tasks; booking hotels and restaurants; event management and social media management. Although you may not be there in person, your work would play a vital part in the success of the business or entrepreneur. Virtual assistants, on average, can make between $15 and $30 per hour. 

8) Become a Freelance Translator

Do you speak more than one language? Use this as an opportunity to earn more money. You can earn around $30 per hour, depending on the language combination. Both Arabic and Chinese, being the most sought after, have the highest average hourly rates at around $80 per hour while romance languages are on the lower end. There are a number of websites from which you can find freelance translation work, such as Fiverr, UpWork, Gengo, or PeoplePerHour.

9) Write an Online Book

Nowadays, you don’t have to be a professional writer to publish your own book. Publishing your own print book, as an independent author, can be quite expensive, and thus infeasible for most. Ebooks are, however, much more feasible, as they have a lower cost of entry and are free to post on most popular ebook platforms, namely Amazon Kindle Direct Publishing. It’s as easy as follows: write a book using Google Docs, Word or Pages; convert the document into an ePub; set up an account on Amazon KDP; upload your book; set your price and go live on Amazon. You will earn up to 70% of the set price in royalties. 

10) Babysitter/Caretaker

Do you like kids? Have you raised children of your own? Being a babysitter or a caretaker might be a great opportunity for you. Your responsibilities would depend greatly on what you and the parents would be comfortable with doing but may include: dropping off and picking up children from school, helping with homework, making dinner or putting kids to bed. $12 is the average hourly rate, but it varies depending on the responsibilities. To get started, have a look through online job marketplaces, such as Urbansitter.com, Sittercity.com, and Care.com. There’s also a company called Rent a Grandma that specializes in matching caring women with deep life experiences with families that require nannies, babysitters, and in-home care providers.

How to Get Cheaper Car Insurance

Buying a car is a goal many people have, but it can be more expensive than you think. Not only will you have to pay for the financing costs, taxes, and maintenance, but also car insurance. Having insurance is not only important in case you’re involved in an accident, but it’s also mandatory in some U.S. states. Thankfully, there are ways in which you can save some money on it and get much better rates. Here are six ways to get cheaper car insurance:

cheaper car insurance

1) Improve Your Credit Score

One of the many benefits of having a good credit score is that you often get better auto insurance rates. But if that isn’t your case, don’t worry. According to Experian, there are many ways in which you can boost your credit score. Some of them are paying your bills on time, keeping a low debt-to-income ratio, not applying for too much credit in a short period of time, and not closing unused credit cards. 

2) Compare Rates

A great idea to save on insurance is by comparing rates before buying your car since they can vary a lot depending on the vehicle you purchase. There is a wide variety of car insurers you can choose from, small, big, local, or national. Therefore you should not choose the first option you get if you want to save money. Shop around and compare prices before buying auto insurance for your car – get at least three quotes from different places.

3) See If You Can Get Discounts

Since insurers want you to have business with them, they might offer certain promotions and discounts. For example, you might find discounts for being a student or retiree, or if you pay it in full, and many more. You can also get group insurance and that way you can get much cheaper car insurance. It’s always a good idea to see if you qualify for them.

4) Have a Clean Driver Record

Needless to say that irresponsible drivers offer more risks to insurers; that’s why these people often pay more for coverage. Therefore, you should try and become a better driver by using the appropriate speed, not using your phone while driving, and paying attention to the road to keep your auto insurance costs down.

5) Avoid Rates

Rates can make your insurance policy cost a lot more than it needs. Fortunately, some of them are easily avoidable. For instance, if you request to receive your paperwork online, it might be much less expensive. You can also have your insurance payments taken automatically out of your bank account, which will be cheaper and more convenient for you.

6) Consider PPM Insurance

It is clear that different people might have different needs. For example, are you a casual driver? There are some cheaper insurance options for people who don’t drive as much. With pay-per-mile insurance, you will only have to pay for your usage. This can be beneficial for people who only drive up to 10,000 miles per year. 

 

7 Signs You Have Too Much Debt

Is money on your mind all day every day? There’s a high chance it’s because you carry too much debt on things like loans, credit cards, and car payments. Most people do, but some way more than others. This condition might destroy your mental health if you don’t start acting on it right now. However, it’s possible to change that and live a healthier financial life if you plan your expenses and have discipline. Here are seven signs you have too much debt:

signs you have too much debt

1) You Don’t Know How Much You Owe

Are you the type of person who knows you have debt, but avoids even thinking about how much you owe? Hiding it from yourself won’t make the problem go away. It is the first step you need to take if you want to be debt-free. You can do that by reading your statements and listing all of your debt so that you can create an action plan to get rid of it. 

2) You Pay Most of Your Bills Late

The bills come, and you feel lost and anxious because you don’t have enough money to pay for everything. As a result, you leave them unpaid for a long time or just start making minimum payments. You end up paying a lot of interest in the end and might end up with even more debt than you initially had. A get strategy you can use to solve this is by using the Snowball Method.

3) Money Causes You Anxiety

Debt is always at the back of your head and causes you a lot of stress. You can’t sleep well, and you’re always anxious. This is a sign this situation has gotten out of hand. You need to create a plan of action to solve this problem, so you get rid of it as soon as possible. 

4) You Don’t Have Any Savings

If you lose your job, get ill, have an accident or anything else, you don’t have anything backing you up because you spend everything you earn. Most people think that they need to pay all of their debt first before having an emergency fund, which is not true. Thinking like that might make you end up in even more debt. Therefore you should consider saving at least 10% of your income in a high-yield savings account. 

5) You Leave Outside Your Means

You’re very familiar with the concept of living paycheck to paycheck because you do it every time. You buy things because you “worked hard for it”. However, you need to change this mentality to become financially independent. Having a budget is crucial if you don’t want to owe even more money, and it will also give you peace of mind. You can still do the things you like to do and have fun, as long as it’s planned and within your resources.

6) You’re Afraid of Phone Calls 

You avoid answering your phone because you think it might be collectors asking you to meet your obligations. However, you can’t avoid them forever, since they might sue you and seize your property or even your money as soon as it reaches your bank account.

7) You Hide Your Spending From Your Friends and Family

Most people in this situation are embarrassed and feel bad about being in debt. They start emotional shopping to feel better, even if it’s a temporary relief, regret later and hide or don’t tell their loved ones about it. Don’t be afraid of admitting you have a problem and ask for help.

 

5 Questions You Should Ask Yourself Before Buying a Home

Buying a house is quite a responsibility, which can be frightening to many people, especially if you are new to this. There are so many things to consider before making the final decision, such as the location, if there are any convenience stores nearby, and how long the commute to work is. If you are not prepared, you might come across a lot of headaches later, and the problems will be a lot harder to overcome. Here are five questions you need to ask yourself before buying a home:

buying a home

1) Do you have money saved?

Purchasing a property might be more expensive than you think. It involves the payment of fees, services and taxes. You might even have to furnish it, which can cost a lot of money. Having an emergency fund is crucial if you don’t want to struggle in the process, or end up in a lot of debt. 

2) Can you afford the mortgage?

Many people buy the home of their dreams, but not the one that truly meets their budget. It would be best if you did not do this because you might not be able to pay the mortgage later. For that reason, you should find a home that fits your budget before making the final decision to buy it. Financial specialists usually advise that less than 30% of your salary should go towards your mortgage.

3) How long will you be living there?

Unless you’re buying this house to have tenants later, you should think about how long you will be living there. Experts recommend that you stay three to five years in your new property, if that’s not your case, it might be best for you to rent and wait so that you can make a larger down payment in the future and save on interest rates.

4) Do you understand the process?

The process of purchasing a new property can be confusing to new home buyers. However, it is crucial for you to be prepared for it if you do not want to be in trouble later. You will come across things attorney approvals, bank appraisals, mortgage commitments, a huge variety of fees, and taxes. If you don’t want to deal with these matters, you should consider hiring a trustworthy real estate agent to help you with the process. Don’t forget to interview them to see if they meet your needs.

5) Did you inspect the house?

Even though it might be a bit pricey, a house inspection is a crucial part of the purchasing process. This type of service will prevent you from having to deal with things like unexpected repairs in the future. Things like exterior evaluation, structural elements, roofs and attics, plumbing, water heaters, and even appliances like dishwashers are usually included in the inspection. 

5 Credit Card Habits You Should Break in 2020

Credit cards are great – you can take advantage of benefits like travel points, free airport lounge access, cash back, and much more. However, if you use them wrong, you might end up ruining your credit score, or end up in a massive pile of debt. Here are five credit card habits you should break in 2020 in order to have a great financial life:

1) Opening and Closing Credit Cards Frequently

Do you like getting new credit cards for the airline miles or the low interest rate promotions? Many people do this, it is called credit card churning. It is an excellent tactic if you are strategic about it. However, you should be cautious and find as much information as you can. It’s not recommended for people who have bad credit since too many credit card applications can damage your credit even more. 

2) Not Reading Your Statements

Being aware of where your money goes is crucial for a healthy financial life. Most people find it tedious or time-consuming, but you should read your credit card statements as soon as they arrive. You might discover unauthorized purchases or mistakes. It’s also a way for you to see which things you can stop buying, or subscriptions you’re not using anymore and save money. 

3) Paying Your Bill Late

Blowing off your credit card due date is a dangerous habit. Not only will you have to pay interest fees, which sometimes can be as much as $35 even if you’re only one day late, but it can ruin your credit score. If you simply forget to pay it on time, you can always schedule your payment in advance, and you won’t have to worry about it. 

4) Getting Cash Advances

Do you have the habit of taking out cash advances? Sure, they are convenient, but they are one of the most expensive types of credit card transactions you can make. It is estimated that the average interest rate is about 23.68%, and you will start paying interest immediately, with no grace period. Instead of getting cash advances, you should try to build an emergency fund, so that you’re prepared for unexpected expenses.

5) Impulse Purchases

If you frequently buy things you don’t need and regret the purchase later, you’re likely an impulse buyer. This a very dangerous credit card habit since you can’t physically see your money being spent. In case you have this problem, you should start using cash and leave your credit card only for emergencies. You can also tell yourself you will buy the item you think you need tomorrow; there’s a high chance you might not want to purchase it the next day.  

7 Best Health Insurance Companies for 2020

The best health insurance plan for you will depend on your coverage needs and budget. You should also take into consideration if they have good customer service, policy offerings, and other benefits. Here are the best health insurance companies for 2020:

best health insurance

1) Aetna

Aetna is a healthcare insurance company based in Connecticut, founded in 1853. It sells various products, such as dental insurance, health insurance, and Medicaid insurance nationwide. They have excellent customer service while also offering affordable options that fit your needs. For more information, you can visit https://www.aetna.com/ or call 1-800-872-3862.

2) Anthem

This trusted health insurance company was created in 2004, and it’s one of the largest in the market today. They offer businesses, individuals and families, and short-term insurance plans. Things like prescription drugs, outpatient surgery, preventive care, maternity care, immediate medical attention, and many other things are included.

3) Cigna Health

If you’re a resident of one of the 12 states Cigna Health operates in, this may be a good choice for you. They have one of the best customer satisfaction rates and excellent coverage options. Among its products are individual and family health insurance, dental and vision insurance, nationwide pharmacy plans, short-term health insurance, and global individual and group plans. 

4) Humana

Humana has been in business since 1961, and is now one of the biggest health providers in the United States. They offer dental, medicare, business and vision insurance. Humana is contracted with the federal government, allowing them to provide and administer Medicare plans through the Medicare program.

5) United Health Care

United Healthcare is a provider that’s present in all 50 states, serving millions of people from infants to retirees. Consumers can buy a variety of products, such as individual health insurance, health savings accounts, dental and vision insurance, corporate health insurance and medicare advantage plus. They strive to deliver high quality care catering for the needs of each individual while providing this care affordably. 

6) Kaiser Permanente

Consumers that purchase Kaiser Permanente’s products will not only get access to a health insurance policy but also receive medical care from one of the Kaiser Foundation Hospitals and medical centers. It has high customer satisfaction ratings in customer service and claims handling. For more information, you can visit their website or call 1-800-245-3181.

7) Blue Cross Blue Shield

More than 106 million Americans are insured by Blue Cross Blue Shield, making it one of the most known healthcare providers in the U.S. It is available in all 50 states, as well as Puerto Rico and the U.S. Virgin Islands. Not only are they the most known healthcare providers in the U.S., but they are also recognized as one of the largest care networks in the world. They also provide a range of healthcare solutions for those who live, work and travel internationally. 

7 Best Apps to Sell Used Stuff Online

Do you have some things you don’t use lying around your house and need a way to make some extra cash? You can sell these used items and make some money online. With these apps, you can sell your items safely, locally, and without that much effort. Here are the seven best apps to sell stuff online:

apps to sell stuff

1) LetGo

From used smartphones to used cars, you can find almost anything in this app. It is pretty safe to use since you won’t have to give out your personal information. Keep in mind, however, that transactions are made in person, so it’s better to invite a friend to go with you to meet the buyer in a public place.

2) Poshmark

Poshmark is a great place to sell used clothes and accessories online. They charge a commission of $2.95% on sales under $15, 20% on sales $15 or more. When you’ve sold something, they will provide you with a pre-paid and pre-addressed label, for your convenience, which is ready to put on your package. It can then either be collected from your home for free or dropped off at a USPS mailbox. 

3) Mercari

With Mercari you can sell a huge variety of things, without having to worry about meeting the buyer in person. Listing an item is free and only takes a few minutes to set up. Take a few pictures, add a description and enter your price. Piece of cake! Once you sold your item, you can take advantage of the Mercari and UPS partnership by bringing your item to a UPS where an associate will prepare and ship your package. There is a flat 10% selling fee which is only charged once the sale has been completed. 

4) Tradesy

This app was created by Tracy DiNunzio in 2012. Its main goal is to simplify the process with a simple “snap and upload”. Be aware that Tradesy is more suited for those who wish to sell authentic, high-quality items with minimal wear. For worn out clothes and unbranded items, you should use something else. They charge a fixed $7.50 fee for items that cost less than $50, and a 19.8% rate for stuff that costs $50 or more. Earnings can be withdrawn from the Tradesy app via PayPal, debit card or ACH transfer. 

5) Decluttr

Mobile apps like Decluttr can help you sell used tech items more easily. You can sell things like smartphones, tablets, DVDs and more. If you are selling your smartphone, select the make, model and condition of it and it’ll give you a price instantly. For CDs, DVDs and games, simply enter the barcode. Once your order has been completed, pack your box and attach the free shipping label onto the box. There are then four super easy ways to ship your box through a UPS Store, UPS Customer Center, Authorized Retail Outlet or a UPS Driver. Once the item is received at their warehouse, it will be processed and you’ll receive your payment the day after.

6) 5miles

5miles is great because it connects buyers and sellers that live around your neighborhood and does this by using your phone’s GPS. To sell an item, you simply take a photo and enter a brief description. This listing will be seen by thousands of potential buys who can make an offer by sending a text message. 

7) Chairish

Are you looking for a place to sell home decorating and design products? Chairish is a great marketplace for sellers that want to sell things like vintage decor, furniture, art, and others. The great thing about Chairish is that sellers can arrange in-person pickup. There is however a minimum listing price of $25. You can withdraw the money via PayPal after the 48-hour return guarantee has passed.

 

5 Budgeting Myths You Need to Stop Believing

Budgeting is not only for people who make too much money or are in debt. On the contrary, it’s a habit everyone should have, instead of always worrying about money and living from paycheck to paycheck. There are many types of budgeting methods, and you should test to find the one that works best for you. Many people, however, give up or never even start it, because of the many misconceptions that they have. Here are five budgeting myths you need to stop believing:

budget myths

1) Budgeting is too restrictive

Most people think that budgeting means depriving oneself. However, this couldn’t be further away from the truth. Budgeting is a habit to help you to manage your finances better, while still doing and having nice things. You should always plan for the things you like in advance. For example, if you can’t live without going out on weekends, you should assign the amount of money needed for such in your budget, without going over it.  

2) Budgets are too time-consuming

If you get overwhelmed with even the thought of having to deal with lots of numbers and Excel spreadsheets to manage your money, not to worry. Budgeting does not have to be complicated. You can find many free apps online, like Mint or Personal Capital, which facilitate this process by linking your accounts and having your budget made automatically and effortlessly. These apps also offer cool features like free credit score checks, an all-in-one financial dashboard, investments, and goals. 

3) You think you can work it out in your head

Even if you have a great memory or are a numbers person and know all your expenses by heart, you should never entirely rely on it alone to budget. You might forget something. Moreover, having it on paper or in an app will make it so much easier to keep track of. For example, you might see you’re spending money on something you’re not using, or be able to substitute expensive things for more affordable ones.

4) You can never go over your budget

Sometimes we create a set budget for something, and then you come across an unexpected expense. Contrary to popular belief, budgets should always be flexible. For example, if you need to spend more money in one category, you can always take from another category.

5) You can’t budget because your income changes continuously 

If your income is rarely the same each month, it shouldn’t be an excuse for you not to plan your expenses. In order to have a budget, you’ll need to set yourself a “base” income, which can be done by calculating your average earnings, at a level you hardly ever go under.

How to Save Money for Your Goals in 2020

Are you one of those people who say they wish they could do something if only they could afford it? Even though something may seem impossible to achieve, if you create financial goals, plan accordingly, and are disciplined, you are very likely to get almost everything you wish for without getting in a pile of debt. It’s also a good idea to have various plans with different money requirements and time periods. 

Determine What Your Goals Are

Do you want to get married, buy a house or travel abroad? Having a financial goal is essential to get you to save money. It will help you stay motivated, and give you a direction to take. Most people fail in this step, and end up procrastinating. To create an effective goal you will need it to be S-M-A-R-T, which is an acronym for Significant, Measurable, Achievable, Relevant, and Time-Bound.

Calculate How Much You Will Need to Spend Each Month

Now you will need to plan and set a weekly or monthly saving target. The simplest budgeting rule you can use is the 50/30/20, where you save 20% of your income to your financial future, 30% towards your wants, and 50% to your needs. You can use certain apps to keep track of your spending, such as Mint.

Live Below Your Means and Get a Side Hustle

Start cutting expenses you don’t need such as memberships, subscriptions, and takeouts. It’s also a good idea to get a credit card with no annual fee and cash back rewards. You will also need to get extra cash if you want to achieve your goal faster. See if you can get extra shifts in your regular job, or even work part-time in a restaurant, or get a freelance job online, for example. One way to make it easier to save money is by having a separate account for your goal.

Get the Best Place For Your Money

Make interest work for you, instead of against you. Find an investment that fits your needs. Is your goal for short or long term? For short term, it may be best if you left your money in high-yield savings accounts, or in short-term CDs. For longer periods of time you can invest your money in longer-term CDs, funds or bonds or even stocks and peer-to-peer loans. It may be a good idea to consult a financial advisor.

6 Legit Passive Income Ideas For 2020

Are you tired of working a 9-5 job and want to have more freedom to do whatever you want, whenever you want it? Getting paid repeatedly for work you did once is a dream many people have, but only a few of them achieve it. Passive income takes discipline and patience to build, but once you have multiple streams of money, you will have a lot more freedom. Here are six legit passive income ideas for 2020:

passive income ideas

1) Sell Stock Photos

You don’t need to be a professional photographer or have an expensive DSLR camera to sell your photos online. There are many sites you can use, such as Shutterstock, Dreamstime, and iStockPhoto. In order to start earning money with stock photography, you will need to build a portfolio with photos that sell. Some of the best niches for photography are travel, people, and nature.

2) Print on Demand

Did you know that you can design products like coffee mugs, stickers, and t-shirts and have the production and shipping handled by a third party? This business model is called print on demand. You can have your own website on Shopify and have your products fulfilled by Printful, and you will be in charge of marketing, or submit your work to companies like Redbubble and Zazzle and they will handle everything, but you will often need to have a high volume of designs to make a good amount of money.

3) Start a blog

Many people think that starting a blog is difficult and expensive, but it’s not. You can start one for free on websites like Blogger or Wix. You can even make your own. All you will need is a domain, which is your URL; a host for your website and WordPress to edit your blog. You can write about any topic you want. It’s also important to study Search Engine Optimization, so that your blog can be found on Google, and to learn how to promote it effectively on social media, such as Pinterest and Instagram.

4) Create a Youtube Channel

Anyone can create a YouTube channel and have a video become viral overnight, however, that’s highly unlikely to happen so easily. You will need to create a lot of interesting content and upload videos frequently to grow their audience. There are some ways in which you can earn money from this platform, such as Adsense, once you reach 1,000 subscribers and 4,000 video watch hours; affiliate marketing, recommending products to the viewers and earning a commission and crowdfunding.

5) Write an eBook

Before the Internet, being an author wasn’t an easy task. You’d have to send your manuscript to a publisher or an agent to get it approved. Now, anyone can self-publish a book. The most known place is KDP – Amazon’s Kindle Direct Publishing. You can write about any subject you’d like, but it would be best to study your competitors before you start writing. Don’t forget that you will also need to create an interesting book cover to induce people into buying your work, and help promote on social media.

6) Create an Online Course

Are you good at languages, programming, design, or something else? You can create a course and publish it to money passively online. It may require a lot of time investment to make good content, but many people get a lot of income just by selling these. There are many sites you can sell your courses, such as Teachable and Udemy.

 

Alternative Investments to Make Money in 2020

As a rule of thumb, you should always diversify your income streams and investments since all of them carry some level of risk. On one hand, there are the more widely known investments like bonds, stocks, and mutual funds, but on the other, there’s a world of possibilities that can bring a lot more profit and entertainment to investors.

alternative investments

1) Investing in Cryptocurrency

Cryptocurrencies are digital currencies that have gained a lot of fame over the years. Now they’re being regulated by governments all over the world, and becoming even more safer. The first and most known one was Bitcoin. After Bitcoin, many other digital currencies were created such as Ethereum and Ripple. With the massive volatility of these currencies, you can earn a lot of money. If you have a high-risk tolerance, this investment is for you. 

2) Peer-to-Peer Lending

Peer-to-Peer Lending, or P2P, is a way people can lend money directly to other individuals without a bank. Depending on the risk of the borrower, you can earn up to 27% interest. There’s a really low entry barrier, as low as $25 dollars. The most famous websites for these types of investments are Lending Club, Prosper, and Upstart.

3) Invest in Real Estate Without Buying Property

Do you want to start investing in real estate but don’t have enough money to buy a property? You have to consider that real estate is not passive, because you’d have to maintain and manage your properties. There are two leading companies for crowdfunding real estate, Fundrise and Realty Mogul.

4) Invest in Startup Companies

Did you know that you don’t have to be wealthy to invest in new companies? Since many companies fail, it’s important to remember that this is a high-risk investment, but it can bring you huge returns. They don’t ask much to start, and you only need $10. There are a few options to choose from, like Seedfunder, WeFunder, or Microventures.

5) Collectibles and Antiques

People love collecting stuff like comic books, magazines, coins, and art, which can be sold for a lot of money. If you have a good eye for this type of thing, you can attend garage sales, flea markets and on sites like eBay to hunt for products with low prices and sell for a high price. 

6) Wine

People have been producing wine for thousands of years and it’s still popular all over the world to this day. A bottle of wine can go from $1.99 up to $188,336. That being said, wine enthusiasts have been buying wine with the intention of gaining a profit, since it can increase its value over time.

7) Vending Machines

Investing in vending machines has been growing in popularity because of its low start-up costs, flexibility, the potential for growth, and passive income. Start by considering which product you want to sell, then you’ll need to decide where your vending machine will be located – airports, hospitals, shopping malls, schools. You can start small by buying a few machines to test and learn about the market, and grow over time.

How to Make the Most of Your Money in 2020

The way you manage your money is crucial for your personal finance. Understanding how to save and spend money will help you build a more comfortable and less stressful life. 

make the most of your money

The most important step you can take is asking yourself if you really need or want to buy something, and if you can afford it. And also, always have a budget and look for ways to spend less. Here are incredible shopping and saving tactics to make the most out of your money in 2020:

1) Avoid Impulse Shopping

Impulse shopping can deeply hurt your budget and potentially lead you to debt. There are a few things you can do to avoid this bad habit, such as creating a list before shopping with the things you really need and sticking to it. If you come across something that makes you want to buy that is not on your list, tell yourself that you will come the next day, and more often than not, you will give up the purchase.

2) Find a High-Interest Savings Account

Everyone should save money and deposit it in an emergency fund. High-interest savings accounts are one of the easiest ways to save money. It virtually has zero risks since it’s insured by the Federal Insurance Corporation on up to $250,000.

3) Always Compare Prices Before Purchasing

You should always do a price comparison before buying something if you want to make the most out of your money. There is a huge variety of apps and websites you can use to find low product prices and save money, such as Skyscanner for airline tickets, RedLaser for products, and The Grocery Exchange for groceries.

4) Buy Used

Are you on a tight budget? Second-hand items are not only good for the environment and sustainability but also good to save money. If you have the patience to shop around, you´ll find products in excellent conditions at a much cheaper price. Consider going to thrift shops, pawnshops, flea markets or even buy online on sites like Craigslist or eBay.

5) Overcome Addictions

Addictions are not only bad for your health, but they’re also very expensive. For instance, smokers spend on average $2,292 dollars per year to fund this habit. For that reason, you need to get over your addictions in order to save money in 2020.

6) Join Newsletters

This is a trick that you should use carefully if you think you’re an impulse shopper. The majority of shops have opt-ins for newsletters or push notifications to broadcast sales, coupons, and promotions for their customers. Therefore, it’s an excellent way to find great deals.

7) Use Credit Cards on Your Purchases to Earn Points

Did you know that you can be rewarded for using your credit card to make purchases? If you have a good credit score you will be able to get up to 5% cash back on qualified purchases. You can also have some other benefits like free airport lounge entrance, travel insurance, cash bonuses, special discounts, and many other things.

 

8 Must-Know Credit Card Tips for Traveling Abroad

Traveling can become really expensive if you’re not prepared for it. There are many things you should take into consideration, such as foreign transaction fees and safety. Credit cards are essential travel items you should have. However, you don’t want to be left with a huge bill or without a single penny if your card is not accepted somewhere, especially since you are going to another country. Here are eight must-know credit card tips for traveling abroad:

1) Get a Card With No Foreign Transaction Fees

Many travelers are not aware of the fact that depending on the credit card they own, they might have to pay 3% foreign transaction fees on each transaction. It doesn’t sound like much, but that can add up and become very expensive. If you want to avoid these unnecessary charges and potentially save a lot of money, get a credit card with no foreign transaction fees.

2) Let Your Card Issuer Know About Your Trip

Credit card issuers have security policies to avoid identity theft and unauthorized purchases. If you travel abroad and start making purchases in another country, they might think someone stole your card and block it. Therefore, check your card app and enable it to travel or call the number written on the back of your card.

3) Verify Where Your Card is Accepted

Visa and Mastercard are the safest choices when it comes to international card acceptance. Other cards like American Express, for example, may not be accepted in some places. For that reason, you should research where yours is accepted before going, and even bring a second or third card with you, even if it’s a debit card.

4) Always Carry Some Cash With You

It’s always good to have some extra cash for emergencies, or in case a store doesn’t accept credit cards. Don’t forget to keep them hidden in other places, like inside your suitcase or in a hidden fanny pack.  

5) Bring More Than One Credit Card

No one wants to go through any trouble and not have a way to pay for things, especially in another country. Therefore, you should take more than one credit card with you on your trip. You should always prepare for the worst, and hope for the best. 

6) See The Traveler Benefits Your Card Offers You

The best part about having credit cards is the benefits they offer you. Did you know that many credit card companies offer travel benefits? You might be entitled to a free airport lounge entry, travel, and car rental insurance, among other things.

7) Set Credit Card Alerts

To prevent fraudulent purchases, or if someone steals or clones your card, you should always have credit card alerts set up at home, and even more internationally, as this type of fraud is more likely to happen.

8) Avoid Using Debit Cards Internationally

When traveling abroad, give preference to using your credit over debit. Credit cards offer more security since you can protest unauthorized charges, and if someone gets your card without your permission, they won’t be able to withdraw all your money and leave your account empty.

 

5 Top Checking Accounts for 2020

Checking accounts are essential assets that most people are often required to have since they’re where their personal financial life will be centered.  With them, you can pay your bills safely and make most of your monetary transactions. 

It’s also possible to withdraw money on an ATM or write checks. You can open a checking account in a bank or a financial union. The best account should have little to no fees, a great variety of free ATMs, excellent customer service, and the possibility of earning an APY on your balance.

We’ve selected and created a list with the top checking accounts for 2020. Check them out below.

1) FNBO Online Checking Account

With the FBNO Online Checking Account, you can earn a reasonable interest rate on your balance, which is now at 0.65% APY. It may not seem like a lot, but it’s more than the national average. 

Opening an account is easy, and it takes as little as one dollar. In addition to the interest rates, they also offer free online bill pay and an optional low regular APR Visa debit card. There are no monthly service fees. 

You can also benefit from free incoming wires, and stop payments. There are over two million ATM locations nationwide where you can withdraw money from without having to pay fees.  The First National Bank of Omaha is the largest privately held bank in the U.S. and has been in business for over 150 years.

2) Discover Checking Account

Discover is one of the few banks that offer the benefit of 1% cash back on debit purchases (on up to $3,000 monthly) to checking account holders. 

On top of that, they don’t charge maintenance fees or fees on card replacements, standard check, stop payment orders, insufficient funds, deposited item returned, account closure and many other services. In addition to that, it also offers free access to over 60,000 ATMs all over the U.S.

Keep in mind that you will have to do most of your transactions online since there is only one physical  branch in Delaware.

3) Axos Rewards Checking

Axos Bank doesn’t charge monthly maintenance fees, overdraft, or non-sufficient fees on their rewards checking account. 

There are no monthly balance requirements, but you have to have a minimum of 50 dollars to open a new account.

You can also earn up to 1.25% APY on your account balance. Clients can use their app to deposit checks and manage their accounts online. 

Applying is easy and quick; all you’ll only need is a valid ID and your social security number.

4) Simple Checking Account

Simple offers a free checking account and online bill pay. With this account, you won’t need to worry about minimum balance requirements, since there are none. It’s also ensured by the FDIC.

You’ll also get a free debit card, access to a network of 40,000 ATMs. With the Simple Protected Goals account, you can set automatic transfers to avoid accidental spending and earn up to 2.15 APY, depending on how much money you deposited.

5) Charles Schwab

With the Charles Schwab High Yield Investor Checking account, you will get 0.15% APY on your balance, without having to pay monthly fees and with no minimum amount to open. 

You’ll also be given a free Visa debit card that you can use internationally with zero transaction fees and free standard checks. Your money is safe in this account since the FDIC insures this account on up to $250,000.

 

6 Easy Steps to Decrease Your Debt in 2020

If you’re in debt, you’re not alone. Most Americans have some type of debt, which is now estimated at around 13.7 trillion dollars in total. There are many downsides to it, like being more emotionally unstable and nervous, stress, and even relationship problems. Did you know that money is one of the biggest reasons why couples file for divorce?

decrease your debt

Having debt is also very expensive compared to being financially healthy since you will have to pay interest on the money you owe. 

It also keeps you further from that any goal you have, such as owning your own home or traveling overseas.

Decreasing debt is one of the most common new year’s resolutions that people make, and it’s very possible to achieve. And it doesn’t matter how much you owe, as long as you’re focused and disciplined. 

Here are six easy steps to decrease your debt in 2020:

Stop Overspending

The first step is to change your spending habits and avoid making even more debt. Do you feel like a lack of control and end up overspending your money? 

There are many great tactics you can try is to incorporate into your financial life. 

One of them is Dave Ramsay’s envelope system. The idea behind this method is defining a budget and having an envelope to each category like groceries, utilities, leisure, gas, etc. Then you can only spend what you’ve put in each envelope. Its main goal is to give people discipline and control.

The second method you can use is the classic 50/30/20 budgeting rule. It says that 50% of your budget should go to needs like rent, food, and utilities; 30% to wants like entertainment; 20% to savings and loan repayment.

Be Aware Of How Much You Owe

You’d be surprised to find out that most people don’t actually know how much their debt is. If that’s also your case, you should check your bank account, credit cards, and credit report and put everything down on paper. List absolutely everything. It would be best if you had every penny accounted for. You can also use some apps like Mint that keep track of your money.

Cut Expenses

Now that you know what your expenses are and how you’re spending your money, start cutting costs and making replacements. Is there anything cheaper or for free? Do you need to have five different subscriptions to the same type of service? Are you going to the gym you’re paying monthly? Find new hobbies that won’t make you spend more money, start cooking more at home.

Consider Consolidating Your Debt

Debt consolidation is, in simple words, replacing significant high-interest debt into just one. It is usually a lot cheaper than the initial amount you owed, and it helps you stay on track. Depending on the type of debt you have and how good your credit score is, it might be a good option for you.

Have an Emergency Fund

Having a safe investment, preferably on a high-yield bank account, with six months of expenses saved up, is crucial in order not to get into more debt. This fund is aimed at a car or home repairs, unemployment, or any other expense that you weren’t expecting. 

Most people think that they should wait to start saving for an emergency fund after they paid their debt, but you should start it as soon as possible.

Make More Money

Making extra money will certainly help you decrease your debt faster, and possibly start investing and grow your wealth.

You can start making extra cash by selling used clothes online on social media like Instagram, or in a thrift store in your city.

There are many side-hustles you can also try on the Internet, such as being a pet sitter, or renting a room at Airbnb, or even freelancing as a writer, photographer, or designer.

 

7 Top Highest-Yielding Bank Accounts for 2020

Personal finance experts often recommend that everyone should have money reserved for emergencies like an unexpected car or home repair, medical bills, or job loss. High-yielding bank accounts are perfect for that since they’re investments with little to no risk, and you can cash out the money immediately.

highest-yielding bank accounts

While most bank accounts pay an average of 0.09% APY, these banks below pay anywhere from 1.25 to 2.15% APY. Check out our selection of the top highest-yielding bank accounts for 2020:

1) Simple Protected Goals Account

With Simple, you can earn up to 2.15% APY; but, you will need to have at least $2,000 in the account; otherwise, you’ll only get 0.01% APY. You can withdraw your money on one of the free 40,000 ATMs nationwide. Since this is a checking account, that means you don’t have a limit on how many withdrawals you can make monthly. Their app makes saving simpler since you can create a digital envelope system to help you accomplish your financial goals. The FDIC insures this account on up to $250,000 per depositor.

2) Connexus Credit Union Xtraordinary Checking

Connexus Credit Union offers a rate of up to 1.75% APY on its Xtraordinary Checking account, but you will have to meet some requirements to get this rate, like 15 debit card purchases or $400 in debit spending and e-statements. There are no monthly fees to maintain the account, and you can withdraw your money on one of the 4,000 free ATMs available throughout the country.

3) First Tech Federal Credit Union Dividend Rewards Checking

First Tech was recognized as one of the best banks in the states of Oregon and California, and a pioneer in mobile banking. This bank offers up to 2% APY on balances (terms apply). You can also use one of the 30,000 ATMs to withdraw money for free and go to one of the over 5,000 branches. There are no monthly fees, and they don’t require a minimum deposit to open a checking account.

4) Axos Bank Rewards Checking

Axos has a 1.25% APY rate for its Rewards Checking account holders, which is still above the national average. For that rate, you’ll have to meet certain requirements, such as receiving monthly direct deposits of $1,000 or more, using your debit card 15 times per month. They don’t charge monthly fees to maintain an account, or other charges like overdrafts, and non-sufficient funds fees.

5) Capital One Savings Account

Capital One Online Savings Account has an APY of 1.70% APY. You won’t have to pay any fees to open and maintain your money there. This account is also insured on up to 150,000 dollars by the FDIC. You can deposit checks online using their app. However, if you want to withdraw the money, you can’t do that in an ATM unless you transfer it to a checking account.

6) HSBC Bank Direct Savings Account

With HSBC, you will earn a total of 2.05% APY on your Direct Savings Account. Their minimum opening deposit is pretty low – only one dollar. Since it’s an online account, you won’t have to pay any monthly maintenance fees. Keep in mind that it doesn’t come with a debit card; therefore, you will have to transfer it to another account to withdraw the money.

7) Vio Bank Savings Account

Vio Bank will pay you a 2.02% APY rate for your money on your savings account, no matter what balance you keep there. To open a new account, you will only need a minimum deposit of 100 dollars. Be aware that there is a $5 dormant account fee, and the $10 fee per transaction after six each month, which are easily avoidable.

5 Best Credit Cards for Holiday Shopping

Christmas is on its way, and December is usually when people shop for presents. If you haven’t bought your gifts yet, you can take advantage of credit cards that will help you save some money and earn rewards. However, be careful not to overspend and end up in a pile of debt. Do a bit of research on the products before buying so that you can get the best price for your items. We’ve selected the best credit cards for holiday shopping. Check them out below.

REDcard Credit Card

  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.
  • Starbucks discount
  • Save 5% on everyday essentials delivered on your schedule when you subscribe, plus you save another 5% when you use your REDcard.
  • Free 2-day shipping
  • Save 5% on specialty gift cards for travel, restaurants, movie tickets, and more when you use your REDcard.

CLICK HERE TO APPLY

WebBank/ Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

Blue Cash Preferred Card from AmEx

  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at U.S. supermarkets (terms apply); 6% cash back on select streaming subscriptions; 3% cash back on transit; 3% cash back on gas stations and on transit;1% cash back on all other purchases
  • Return protection
  • $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • Car rental loss and damage insurance

Costco Anywhere Visa Card by Citi

costco anywhere visa
  • 4% cash back on eligible gas 
  • 3% on restaurants and eligible travel purchases
  • 2% cash back on all other purchases Costco and Costco.com
  • 1% cash back on all other purchases
  • Damage and theft purchase protection
  • Extended warranty
  • No foreign transaction fees
  • No annual fee with your paid Costco membership

Discover it Cash Back

  • No annual fee
  • Dollar-for-dollar match of all the cash back you’ve earned at the end of your first year
  • 5% cash back at different categories like Amazon.com, and more
  • 1% cash back on all other purchases
  • Cash back never expires
  • Paying late won’t raise your APR
  • No foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Top Credit Cards for Bad Credit of December 2019

If your FICO Score is anywhere between 300 to 560, it means you have bad credit. As a consequence, it will be a lot harder for you to find a loan or a credit card. Thankfully, there are some options in the market with easy approval. Most of them will also help rebuild your credit score since they report to the three major bureaus. You must use them responsibly so that you don’t pay interest fees and also increase your credit line.

best credit cards for bad credit

Here are the seven best Credit Cards of December 2019:

Merrick Bank Secured Visa ® from Merrick Bank

  • Unsecured credit line increases – After the first year, your account will be regularly reviewed for credit line increases with no additional security deposit required.
  • Monthly FICO® Score for free – get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • Build your credit – performance is reported to all three major credit bureaus, unlike a prepaid card.
  • Flexible credit line – the amount of your deposit determines your initial credit line – up to $3,000 and increase your credit line anytime with additional deposits.
  • Easy funding options – several convenient options to easily fund your security deposit.
  • Worldwide acceptance – use it anywhere Visa is accepted.
  • Quick, easy application – apply online today!

Click here to apply

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Merrick
  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 – $1,250, Doubling to $1,100 – $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee

Click here to apply

Indigo Platinum Credit Card

  • 24/7 access to your account, even on mobile!
  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

Click here to apply

First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM
    locations nationwide and online
  •  Reporting monthly to all three major credit reporting agencies
  •  Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  •  If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  •  Receive your card more quickly with optional Expedited Processing (additional fee applies)
  •  Get a result in as little as 60 seconds upon completion of the online application
  •  Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Click here to apply

OpenSky® Secured Visa® Credit Card

opensky
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Click here to apply

Green Dot primor® Visa® Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Click here to apply

Credit One Bank® Platinum Visa® for Rebuilding Credit

credit one platinum
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Make paying your bill easier with the ability to choose your payment due date, terms apply

Click here to apply

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards of 2019

The best way to choose a credit card for you is by finding the one that meets your needs and budget while also offering the most rewards and benefits. We’ve reviewed the best credit cards of 2019 and made a list of the best ones. Check out below.

best credit cards

1) Capital One Quicksilver Cash Rewards Credit Card

capital one quicksilver
  • 1.5% cash back on every purchase
  • No annual fee
  • Earn a $150 cash bonus after you spend at least $500 on purchases within 3 months
  • No foreign transaction fees
  • 0% intro APR on purchases and balance transfers for 15 months
  • Extended warranty
  • Travel accident insurance

2) Chase Sapphire Preferred Card

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 on purchases for the first three months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on everything else
  • No foreign transaction fees
  • Trip cancellation insurance
  • Purchase protection
  • Baggage delay insurance

3) Blue Cash Preferred Card from American Express

  • $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 6% cash back on select U.S. streaming subscriptions
  • 6% cash back at U.S. supermarkets
  • 3% cash back on transit and at U.S. gas stations
  • 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 12 months
  • Car rental loss and damage insurance
  • $95 annual fee

4) Amex EveryDay Credit Card

Amex Everyday
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • 2 points at U.S. supermarkets (terms apply)
  • 1 point on all other purchases
  • Car rental loss and damage insurance
  • Earn 20% extra points after using your card 20 times on purchases (terms apply)

5) Capital One Savor Cash Rewards Credit Card

  • $0 intro annual fee, then it’s $95
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • $300 cash bonus after spending at least $3,000 on purchases within the first 3 months

6) Capital One Venture Rewards Credit Card

capital one venture
  • $0 intro annual fee, then it’s $95
  • 50,000 bonus miles after spending at least $3,000 on purchases within the first 3 months
  • 2 miles per $1 spent on all purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • Auto rental collision damage waiver

7) Bank of America Travel Rewards Credit Card

bank of america travel rewards
  • 25,000 bonus points after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases for 12 months
  • No foreign transaction fees
  • 1.5 points per $1 spent on purchases
  • No blackout dates or restrictions
  • Access your FICO updated monthly

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards for Gas Rewards (November 2019)

Do you spend a lot of time in your car? If so, you probably spend a lot of money on gasoline purchases. Therefore, you can benefit a lot from gas credit cards. You’ll get things like more cash back rewards (usually 3% or more) and bonuses. Here are the seven best credit cards for gas rewards:

gas credit card

1) Costco Anywhere Visa Card by Citi

costco anywhere visa
  • 4% cash back on eligible gas worldwide (terms apply); 3% cash back on restaurant and travel purchases worldwide; 2% cash back on all other purchases from Costco and Costco.com; 1% on all other purchases
  • No annual fee (with your paid Costco membership) 
  • No foreign transaction fees on purchases
  • Extended warranty
  • Damage and Theft Purchase Protection

2) Blue Cash Preferred Card from American Express

blue cash preferred
  • 6% cash back on select U.S. streaming subscriptions; 3% cash back on transit; 3% cash back at U.S. gas stations, 1% cash back on other purchases
  • Earn a $250 cash bonus after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • $95 annual fee

3) Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card
  • 5 points per $1 spent on gas, grocery, and drugstore purchases for the first 6 months (on up to $12,500 spent)
  • 1 point per $1 spent on all other purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Price protection
  • Cell phone protection

4) U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature Card
  • Earn a $150 bonus after spending $500 in purchases within the first 3 months
  • 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose; 2% cash back on one everyday category like gas stations, grocery stores, or restaurants; and 1% cash back on all other purchases
  • No annual fee
  • 0% intro APR on balance transfers for the first 12 months

5) Chase Freedom

  • Earn a $200 cash bonus after spending at least $500 on purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 5% cash bonus on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 1% cash back on all other purchases
  • Purchase protection 
  • Extended warranty protection

6) PenFed Platinum Rewards Visa Signature Card

  • 5 points per $1 spent on gas purchases; 3 points per $1 spent on grocery purchases; 1 point per $1 spent on all other purchases
  • No annual fee
  • No blackout dates
  • Earn a $100 bonus after spending at least $1,500 within the first 3 months

7) Bank of America Cash Rewards Credit Card

  • 3% cash back in the category of your choice (gas, online shopping, dining, etc)
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Extended warranty
  • Trip cancellation insurance (only for Mastercard)

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

How to Save Money While Traveling

You don’t have to be rich to travel; it doesn’t matter if you’re visiting your own country or going abroad. Traveling can be expensive, but with a few tips and planning, you can save a lot of money and still have fun. Here are ten easy tips on how you can save money while you’re traveling:

how to save money while traveling

1) Find Free Tourist Attractions

If you’re not careful, you might end up spending a lot of money on tourist attractions, and those are usually pretty expensive. Choose one or two must-see paid attractions and alternate with other free activities. Most museums have a free day when there are no entrance fees. You can also visit churches, parks, municipal markets. Some cities also offer free walking tours and meetups.

2) Don’t carry a lot of luggage

Have you ever noticed that when you pack a lot of stuff, most of the time, you don’t even use even half of them? You can save a lot of money on airline baggage fees if you use a carry-on suitcase to pack your essential items. You won’t need to wait for your luggage after leaving the airplane and won’t carry around a lot of weight during your trip.

3) Buy a Refillable Water Bottle

There’s already too much plastic in the world. A refillable water bottle is not only sustainable but also for your wallet. You can refill anywhere, like at the airport, hotel, or hostel. There’s also the option of buying iodide tablets for situations when you’re not sure if the water is clean.

4) Use Public Transportation and Walk as Much as Possible

There’s no reason why you should spend a lot of money on taxis and car rentals. Do like the locals and use public transportation. It’s cheaper, and you’ll get to know more about the city. You might find walking in your city boring, but when you’re traveling, you’ll get distracted with the novelty of the place and won’t even realize you’re walking. 

5) Use a Credit Card that Doesn’t Charge for Foreign Transaction Fees

Did you know that some credit card issuers charge 2-3% foreign transaction fees on each international purchase? Therefore, it’s essential to look for a credit card that doesn’t charge any foreign transaction fees to save money on your trip. 

Also Read: 13 Types of Credit Card Fees and How to Avoid Them

6) Eat Street Food / Cook / Buy Food at Supermarkets

If you’re not careful, you’ll end up spending a lot of money on food. One option to eat cheaply while also trying local food is by eating street food. If your accommodation has a kitchen, you can also cook at your Airbnb or hostel. Pre-made supermarket food, like sandwiches and salads, are also usually cheap, and a good alternative.

7) Plan Your Trip in Advance

It’s a known fact that booking in advance will get you a much better deal. But it’s also essential to know where you’re going so that you can find better rates on expenses, such as city cards, that offer discounts on museums and transportation.

8) Look for Discounts in Accommodation

There are many ways in which you can save in accommodation, depending on the type of traveler you are. You can stay for free at locals’ houses through Couchsurfing, exchange your work for accommodation at Worldpackers.com or even rent a room at Airbnb.com. If you prefer to stay at a hotel, you can use the Hotels.com Rewards program and win free complimentary nights.

9) Always Have Snacks With You

Restaurants in touristic places and airports are usually really expensive. So it’s a good idea to have foods like peanuts, protein bars, or dried food with you. That way, you won’t feel the urge to spend a lot of money on food.

10) Visit Small Cities

Sure, bigger cities like London or New York are beautiful, but they’re super expensive. There are many advantages to visiting smaller cities: they’re not crowded, they’re cheaper, you’ll learn more about the country, meet the locals and their customs while also maybe learning a new language.

How to Pay Debt Off Faster

You’re not alone – a lot of people struggle with debt. In fact, research shows that around 80% of Americans have some type of debt. If you’re tired of being in debt and want to pay it off faster, you’ll need to come up with a strategy and change your spending habits profoundly. The first step is knowing how much you owe. Then you’ll need to:

how to pay debt off faster

Cut Costs

You might not even realize it, but you’re probably spending a lot of money on unnecessary things. Start by tracking all your expenses, and find what you can cut and what’s essential for you. There are many free apps you can use to help you with that, like Mint. You should also cancel all the subscriptions and memberships you don’t use, and look for discounts and coupons on products.

Sell Everything You Don’t Need

One way to get some extra cash is by selling stuff you don’t use, such as clothes, home appliances, bicycles, or anything valuable that you won’t miss as much. There are many places you can list the items, for example, Instagram or Craigslist. You can also try pawn shops if you have jewelry or other valuable items.  

Get a Side Hustle

Extra cash is always good, especially if you have debt. Therefore, it’s a great idea to get a side hustle. You can get a temporary job working in things such as a waiter/waitress in events, driving for rideshare apps, or freelance jobs like translation, copywriting, or photography. 

Create a Budget and Stick to it

If you’re struggling with money, it’s crucial to have every penny accounted for. If you’re lost and don’t know how to save money yet, you can follow the 50/30/20 budgeting rule. This rule consists of 50% of your after-tax earnings in essential things, or your needs, such as rent and food; 30% for wants such as shopping and dining out; 20% for investing.

Balance Transfer

Is the majority of your debt on high-interest credit cards? The good news is that you can transfer the debt to another card with a low introductory APR, therefore paying less with easier-to-manage payments. This will help you save a lot of money. However, be careful and disciplined to not get into more debt.

Use the Snowball Method

Dave Ramsay created this strategy, called the Snowball Method. It’s important to remember that you need to have at least $1,000 in an emergency fund before you even start it. Then, you make a list and order your debt from smallest to largest. After that, you start by paying the smallest one, and the minimum payment on the other ones. After you’ve managed to pay the smallest one, you roll over to the next and repeat until you paid all your debt off.

6 Best Balance Transfer Credit Cards (November 2019)

Do you have a lot of debt and want to pay it off? A credit card with 0% intro APR could be a great solution for you. With them, you can transfer your balance from a high-interest card to another credit card that comes with the promotional period without paying a lot of money on interest charges. Here are the best 0% intro APR credit cards of November 2019:

balance transfer credit cards

1) BankAmericard Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • No penalty APR
  • Access your FICO score updated monthly for free

2) Capital One Quicksilver Cash Rewards Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • 1.5% cash back on every purchase, every day
  • No annual fee

3) Amex Everyday Credit Card

  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • 10,000 bonus points after spending at least $1,000 in purchases within the first 3 months
  • 2 points per $1 spent at US supermarkets
  • 1 point per $1 spent on all other purchases
  • Car rental loss and damage insurance

4) Chase Freedom Unlimited

  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 1.5% cash back on all purchases
  • $200 cash back after spending at least $500 within the first 3 months
  • Cash back rewards don’t expire

5) U.S. Bank Visa Platinum Card

  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • Cell phone protection
  • Choose your payment due date
  • Fraud protection
  • Free TransUnion Credit Score

6) Discover it Balance Transfer

  • No annual fee
  • No foreign transaction fees
  • 1% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Top Credit Cards for Large Purchases

Did you spend months researching a large purchase like a new smartphone, laptop, or TV? Or maybe even a travel package to enjoy the holidays with your family? Using the right credit card to buy your product can mean potentially saving money, because of the cash bonuses and earning benefits like travel insurance, purchase protection, and extended warranty. We made a selection of the best credit cards for large purchases here:

credit cards for large purchases

Chase Freedom Unlimited

  • $200 cash bonus after spending at least $500 on purchases within the first three months
  • Earn unlimited 1.5% cash back on every purchase
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Contactless – tap to pay
  • Cash back rewards do not expire

Blue Cash Preferred From AmEx

  • Earn $250 after spending $1,000 in purchases within the first three months
  • 6% cash back at US supermarkets
  • 3% cash back on taxi/rideshares, buses, etc
  • 0% intro APR on purchases and balance transfers for 12 months
  • $95 annual fee

Capital One SavorOne Cash Rewards Card

  • Unlimited 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 0% intro APR on purchases for 9 months
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • No annual fee
  • $150 cash bonus after spending at least $500 on purchases within the first 3 months

Chase Sapphire Preferred

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 within the first 3 months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation / interruption insurance

Discover it Cash Back

  • 5% cash back at places like gas stations, groceries, restaurants, Amazon.com, etc
  • 1% cash back on all other purchases
  • Cash back never expires
  • No annual fee
  • No foreign transaction fee
  • No overlimit fee
  • Zero fraud liability

Capital One Venture Rewards Card

capital one venture
  • 50,000 bonus miles after spending at least $3,000 on purchases for the first 3 months
  • Unlimited 2 points per $1 spent on every purchase
  • $0 intro annual fee, then it’s $95
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Beginners

Are you new to credit and struggling to get a credit card? It might be hard to get one if you don’t have a good score. Therefore, it’s essential to choose the right cards with a higher chance of approval. With proper financial habits, like paying your bills in full and on time, you’ll increase your credit line, and upgrade to a credit card with cash rewards and fewer fees.

credit cards for beginners

1) WebBank / Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

2) Surge Mastercard

Surge Mastercard
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

CLICK HERE TO APPLY

3) OpenSky® Secured Visa® Credit Card

opensky
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

CLICK HERE TO APPLY

4) Green Dot primor® Visa® Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

CLICK HERE TO APPLY

5) Discover it Secured

  • No annual fee
  • Reports to all major credit bureaus
  • No late fee on your first late payment
  • No overlimit fee
  • Zero foreign transaction fees
  • 2% cash back in popular categories
  • 1% cash back on all other purchases

6) First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM
    locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

CLICK HERE TO APPLY

7) Wells Fargo Cash Back College

  • No annual fee
  • 0% intro APR on purchases for 6 months
  • 3% cash back on gas, grocery and drugstore purchases for the first 6 months
  • 1% cash back on all other purchases
  • 3% foreign transaction fees

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Credit Cards for Black Friday 2019

The holidays are just around the corner, so you probably won’t want to miss the deals on Black Friday. This day is a big opportunity for you to save a lot of money, and if you use the right credit card to pay for your purchases, you can save even more.

black friday credit card

There are also other advantages, such as price protection and extended warranty. Check out the best credit cards for Black Friday bellow:

1) Fingerhut Advantage Credit Account

fingerhut
  • No annual fee
  • Build your credit history
  • Low monthly payments

CLICK HERE TO APPLY

2) REDcard Credit Card

  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.
  • Starbucks discount
  • Save 5% on everyday essentials delivered on your schedule when you subscribe, plus you save another 5% when you use your REDcard.
  • Free 2-day shipping
  • Save 5% on specialty gift cards for travel, restaurants, movie tickets and more when you use your REDcard.

CLICK HERE TO APPLY

3) Chase Sapphire Preferred Card

chase sapphire preferred
  • 60,000 bonus points after spending at least $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining
  • 1 point per $1 spent on everything else
  • No foreign transaction fees
  • Purchase protection
  • Extended warranty protection

4) Blue Cash Preferred from American Express

  • $300 bonus cash after spending at least $1,000 within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at US supermarkets (on up to $6,000 per year in purchases)
  • 3% cash back on trains, taxicabs, rideshare services, ferries, tolls, parking, buses and subways
  • 3% cash back at US gas stations
  • 1% cash back on all other purchases
  • Return protection

5) Chase Freedom

  • $200 cash back after spending $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 5% cash back in combined purchases in bonus categories each quarter you activate
  • Cash back rewards do not expire
  • Purchase protection
  • Extended warranty protection

6) Discover it Cash Back

  • 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more
  • 1% cash back on all other purchases
  • 0% intro APR on purchases and balance transfers for 14 months
  • No overlimit fee
  • No foreign transaction fee
  • Paying late won’t raise your APR
  • No late fee on your first late payment

7) Citi Double Cash Preferred

  • 0% intro APR on balance transfers for 18 months
  • No annual fee
  • Earn cash back twice – 1% cash back on purchases + 1 % cash back as you pay for those purchases
  • $0 liability for unauthorized charges
  • No caps or other category restrictions

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

6 Best Balance Transfer Credit Cards (October 2019)

If you’re struggling with high-interest debt, you might benefit from using a balance transfer credit card. They come with an extended 0% APR promotional period, which will make you save money and time. Here’s our selection of the best cards of October 2019:

balance transfer credit cards

BankAmericard Credit Card

  • 0% intro APR for purchases and balance transfers for 15 months
  • $0 annual fee
  • No penalty APR
  • Free FICO score
  • Overdraft protection

Capital One Quicksilver Cash Rewards Credit Card

capital one quicksilver
  • No annual fee
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • $0 fraud liability
  • 0% intro APR on purchases and balance transfers for 15 months
  • Cash back rewards don’t expire
  • 1.5% unlimited cash back on every purchase

Amex EveryDay Credit Card

Amex Everyday
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • 2 points per $1 spent at US supermarkets
  • 1 point per $1 spent on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

Wells Fargo Cash Wise Card

  • $150 cash rewards bonus after spending at least $500 in purchases within the first 3 months
  • Unlimited 1.5% cash rewards on purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 15 months
  • Cash rewards don’t expire

Citi Simplicity Card

  • 0% intro APR on balance transfers for 21 months
  • 0% intro APR on purchases for 12 months
  • No annual fee
  • $0 liability on unauthorized charges
  • Choose your payment due date

Chase Freedom Unlimited

  • Unlimited 1.5% cash back
  • No annual fee
  • Cash back rewards don’t expire
  • Earn $200 cash back after spending at least $500 on purchases for the first three months
  • 0% intro APR for 15 months on purchases and balance transfers

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

Best Credit Cards for Building Credit (October 2019)

Whether you’re new to credit or are trying to re-establish it, credit cards are great to have in your possession. If used responsibly, you can boost your score. You may also be granted a higher credit limit or an upgrade to a rewards card. Bear in mind that you’ll probably need to provide a security deposit, depending on the product you choose.

credit cards for building credit

Here’s our selection of the best credit cards for building credit in October 2019:

1) Indigo Platinum Credit Card

indigo platinum
  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

2) The First Progress Platinum Elite MasterCard® Secured Credit Card

first progress
  • Receive Your Card More Quickly with New Expedited Processing Option
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.

3) Reflex Mastercard

• All credit types welcome to apply!
• Monthly reporting to the three major credit bureaus
• Initial Credit Limit of $500.00!* (subject to available credit)
• Fast and easy application process; results in seconds
• Use your card at locations everywhere that Mastercard® is accepted
• Free online account access 24/7
• Checking Account Required

4) Capital One Secured MasterCard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

5) Surge Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

6) Credit One Bank® Platinum Visa® for Rebuilding Credit

credit one platinum
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Make paying your bill easier with the ability to choose your payment due date, terms apply

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Personal Finance Habits Everyone Should Follow

According to a survey conducted by NFCC, 58% of Americans don’t have a budget and don’t know how much they spend each month. Most people say they’re too busy or simply don’t care.

personal finance habits

Living paycheck to paycheck is not a healthy way to live life. It can cause you a lot of anxiety, stress, and even ruin your personal relationships such as your marriage and friendships. 

Managing your money correctly can help you live debt-free and build your path to financial freedom, where you can live off of your savings/investments, not depending on work, even before retirement.

1) Pay Yourself First

This tip was taken out of the book “The Richest Man in Babylon,” and can also be found in the bestseller Rich Dad Poor Dad. 

Most of us, after we receive our paychecks pay our expenses first (rent, food, utilities, etc.), and then we start thinking about saving what’s left. The problem is that we end up saving less money than we should or none at all. 

The “Pay Yourself First” method says we should do the reverse, and separate an amount that goes into our savings – at least 10% – and then pay our bills.

2) Track Your Expenses

If you want to manage your money well and stop worrying about debt, you must control your expenses. Do you know how much money you earn and how much you spend each week?

It may seem like a daunting task at first, but it really isn’t. There are many free tools available to help you with that.

The best one is the app Mint, and it will help you with your budget, bills, and credit monitoring.

3) Cook At Home Frequently

Cooking at home is not only good for your health – since you’ll often make better dietary decisions, but it’s also good for your budget. It can cost you as little as $20 per week. 

You can prepare everything ahead of time and put the food in the freezer in containers, this way you’ll be less tempted to order delivery.

4) Have an Emergency Fund

As adults, we’re constantly worried about having enough money to pay all of our bills on time. 

Unfortunately, we come across financial surprises like repairs, medical emergencies, and even job loss. We have to be prepared for those situations, and we can do that with an emergency fund.

An emergency fund consists of at least three months of your monthly expenses in a safe investment with high liquidity.

Related: 10 Reasons Why You Should Start an Emergency Fund

5) Live Below Your Means

If you want to pay your debt off and live a less stressful life, you should do your best to live below your means. 

This means not spending more than you earn. It’s perfectly possible to live a frugal life without feeling deprived. 

6) Plan Your Purchases

As humans, we tend to want immediacy, but that behavior can get us in a huge pile of debt. 

Do you want to travel overseas, take a cruise, buy a home or a car? Having financial goals can also keep you more disciplined.

Therefore, it’s crucial to plan how much money and time you need to save for your purchases. 

7) Make Substitutions

After you become aware of where you spend your money, start looking for things you can substitute for free or cheaper. Do you pay for a gym membership but never even go? Or maybe your phone bill is too expensive and you could maybe reduce it? 

Start looking for ways you can cut costs without disrupting your daily life.

Best Credit Cards for Students (October 2019)

If you’re a college student, it’s important to start building your credit early on. And a good and easy way is by getting the right credit card. Having an excellent credit report will make a great difference in your adult life. It will get you better interest rates when you decide to finance a car or a house, rewards like cash back and miles, among other things. Here are the best credit cards for college students of October 2019:

credit cards for students

1) Bank of America® Travel Rewards for Students

bank of america travel rewards
  • No annual fee
  • Earn 25,000 bonus points after spending at least $1,000 in purchases within the first three months
  • No foreign transaction fees
  • 1.5 points per $1 spent on all purchases everywhere
  • No blackout dates
  • Points never expire

2) Citi Rewards+ Student Card

  • No annual fee
  • 0% intro APR on purchases for 7 months
  • Earn 2,500 bonus points after spending at least $500 within the first three months
  • 2 points per $1 spent at supermarkets and gas stations
  • 1 point per $1 spent on all other purchases
  • Get 10% Points back for the first 100,000 ThankYou Points you reedem per year

3) Capital One Secured MasterCard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

Click here to apply.

4) Wells Fargo Cash Back College Card

  • No annual fee
  • Cell phone protection
  • Auto rental collision damage waiver
  • 3% cash rewards on gas, grocery and drugstore purchases for the first 6 months
  • 1% cash rewards on all other purchases
  • 0% intro APR on purchases and balance transfers for 6 months

5) BankAmericard® Credit Card for Students

bankamericard
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 months
  • $0 Liability Guarantee
  • Overdraft protection
  • Access your FICO® Score updated monthly for free

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

7 Best Travel Credit Cards (October 2019)

If you’re a frequent traveler, you’ll definitely get the best value for your money with a travel credit card. Most of them come with no foreign transaction fees, free insurance, and a great rewards program. Check out our selection of the best travel credit cards for October 2019:

best travel credit cards

1) Chase Sapphire Preferred

chase sapphire preferred
  • Earn 60,000 bonus points after spending at least $4,000 on purchases within the first three months
  • $95 annual fee
  • 2 points per $1 spent on travel and dining purchases
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • No blackout dates

2) Discover it Miles

  • No annual fee
  • No blackout dates
  • 0% intro APR on purchases
  • Discover will match the miles you earn at the end of your first year
  • 1.5 miles per $1 spent on general purchases

3) Capital One VentureOne Rewards

capital one venture
  • $0 annual fee
  • 1.25 miles per $1 spent
  • No foreign transaction fees
  • Get 5,000 bonus miles after spending at least $500 on purchases within the first three months
  • 0% intro APR on purchases for 18 months

4) Bank of America Travel Rewards Visa

bank of america travel rewards
  • 25,000 bonus points after spending at least $1,000 within the first three months
  • No annual fee
  • Zero foreign transaction fees
  • 1.5 points per $1 spent on all purchases
  • 0% intro APR on purchases for 12 months

5) Wells Fargo Propel American Express

  • Receive 30,000 bonus points after spending $3,000 within the first three months
  • No annual fee
  • Zero foreign transaction fees
  • Cell phone protection
  • 3x points per $1 spent on eating out and ordering in, gas, flights, hotels, car rentals
  • 1x points per $1 spent on all other purchases

6) United Explorer Card

united explorer card
  • Earn 40,000 bonus points after spending at least $2,000 within the first three months
  • $0 intro annual fee, then it’s $95
  • No foreign transaction fees
  • 2 points per $1 spent on United purchases, restaurants and hotel stays
  • 1 point per $1 spent on all other purchases

7) Hilton Honors American Express Card

Hilton Honors American Express Card
  • Zero annual fee
  • No foreign transaction fees
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Earn 75,000 bonus points after spending at least $1,000 in purchases within the first three months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

How to Save Money On Groceries

Even a quick visit to your local grocery store can become pricey if you don’t watch out. Sometimes we walk around the store buying unnecessary items, just because we didn’t plan the shopping accordingly. This behavior can cost you thousands of dollars per year. Fortunately, there are a lot of tricks you can learn to save money on groceries. Check them out here:

how to save on groceries

1) Always Make a List

More often than not, we go grocery shopping and buy things we don’t need, or forget other things we needed to buy. Creating a list will maintain your focus, help you not to make impulse purchases, making you save money. If you’re also looking for a way of making healthier food choices, a list will also be helpful.

2) Don’t buy sliced fruit or prewashed salad

Pre-sliced or prewashed products usually cost three times more than the fruit or vegetable. Sure, it’s convenient, but it’s also expensive. You can slice them yourself, put on little containers and they will taste the same. 

3) Freeze Your Food

Certain types of food spoil quickly. Therefore freezing them will avoid waste, making them last longer. To freeze your meals, you’ll need to wait for them to cool down before putting them in your refrigerator. Here are some ideas of things you can freeze: grapes, bananas, cakes, loaves of bread, soup, cooked meats, and berries. 

4) Cook More Vegetarian Food

Did you know that eating vegetarian is cheaper than eating meat? Usually, the meat will be the most expensive item in your grocery list. Eating too much of it can also be unhealthy. Try to add some vegetarian dishes like beans, chickpeas, or lentils to your diet at least once a week.

5) Don’t Take Impulse Buyers With You

If you have children, you know that they often ask for junk food at the grocery store, and it’s hard to say no. However, sometimes the biggest spender is not even your child, but your spouse. Therefore, if you notice this, you should go shopping alone.

6) Going to the Store Hungry is a No-No

Always be smart about your food shopping if you don’t want to overspend. Plan to go after you’ve eaten something substantial and with enough time to compare prices. We tend to buy more things when our stomach is making our decisions for us.

7) Use Coupons 

Many stores offer discount coupons to attract more customers, and you should take advantage of that fact to save some bucks. If you don’t like carrying out paper, you also have the option of downloading their app. 

8) Buy In Bulk

Did you know that you can save anywhere from 20 up to 80% if you shop in bulk? For this tip to be worthwhile, you need to buy things like canned food, meat, pasta, and even toilet paper. In other words, non-perishable items that won’t expire that soon.

9) Eat Seasonally and Locally

Produce such as fruits and vegetables cost a lot less when they’re in season. That happens because there’s more supply than demand for these products. If you want to save even more money, you can go to the farmer’s market, which will often be cheaper and fresher than your grocery store.

10) Shop Online

Not only shopping online is convenient, but it’s also a way to avoid impulse purchases. So, if your local grocery store offers this service, it’s an excellent way to save money.

11) Have a garden

Why pay for herbs when you can have them for free? Create a small garden in your home. It doesn’t take that much effort, space, and time, and it’s also relaxing to take care of plants. Some ideas to include in your garden: parsley, basil, rosemary, thyme, cilantro, chamomile, and oregano. 

12) Give a chance to generic

Buying brand name products can become expensive in the long run. You can save up to $1,000 a year if you make some changes and buy more generic products. People usually think they’re not as tasty or nutritious, but that’s a myth. Give them a try, and you probably won’t even notice a difference.

13) Don’t waste food

Eating out can cost you a lot of money. Do you have leftovers from last night’s dinner? Why not take them to work the next day? This way you can avoid throwing food away and also save some bucks. You can also prevent waste by storing food in the right places. You shouldn’t put your bread and some types of fruit and vegetables in the fridge.

14) Set a budget

It’s very easy to get carried away when you don’t have a specific budget to stick to when grocery shopping. Limit the amount of money you can spend, and then use your calculator as you add the item to your cart.

15) Search around

Not a lot of people know this, but stores use science to trick you into buying more. The priciest products are always placed at eye level, and the cheaper ones are kind of hidden. Scan the shelf from top to bottom before making a decision. 

7 Bad Financial Habits That Keep You in Debt

Are you feeling like you’re living paycheck to paycheck and drowning in debt? We all like to purchase things to make our lives more comfortable and practical. The problem is when we, due to lack of knowledge or discipline, buy more than what we can afford and end up in a massive pile of debt. Here are seven financial habits that keep you in debt:

habits that keep you in debt

1) Buying on impulse

Who hasn’t ever felt happy about purchasing something new? Shopping can make us feel excited, and that feeling can become addicting. Did you know that many times we get more thrilled with the anticipation rather than with the product itself? One way to avoid impulse buying is by sleeping on it. For example, when you’re at the shopping mall, and you see something that you want to buy, come back the day later. Do you still feel that urge? You’ll be surprised that, more often than not, you won’t feel like buying the item anymore.

2) Only paying the minimum amount due

Missing your monthly minimum payment can deeply hurt your credit score. Credit card issuers will also charge a late fee and forfeit the promotional interest rate if you have a balance transfer credit card. A good recommendation is to pay your balance in full, but if you don’t have enough money, pay more than the minimum. By doing that you will pay fewer interest fees.

3) Buying to be happy

Emotions heavily influence our purchase decisions. Marketers know it quite well. We’re bombarded every day by emotion-based advertisements, that target our need for acceptance, self-worth, among other things. One way to change this habit is by identifying the trigger and finding other alternative activities to make you happy, such as dancing, baking, or even calling a friend. 

4) Not having an emergency fund

One of the biggest financial mistakes people make is not having an emergency fund. This money that you save up for unplanned expenses is super important if you want to get out of debt, because it will help with things like repairs or medical emergencies, and will help you avoid having to owe even more money. Having money for emergencies also reduces anxiety, since you will be prepared for the unknown. 

5) Living above your means

If you live above your means, it won’t matter if you earn a thousand, 100,000 or even 1 million dollars, you’ll always be in debt. To be financially stable, you have to list your expenses and start evaluating them. Eliminate what’s not necessary and save or invest at least 20% of your monthly income. 

6) Refusing to make financial sacrifices

Since creating a budget and sticking to it is not that easy, most people don’t even try. However, if you want to be financially stable and avoid getting buried in a pile of debt, it’s something you will have to do. You will also need to study how to invest your money to get a higher return rate.

7) Not knowing how much you owe

Most people tend to undervalue how much money they owe. It’s scary to put everything down on paper, but it’s a step you need to take to get out of debt. After you’ve done this, you can create your strategy to get out of this messy situation. Start by paying off the debt with the highest interest rate first. If you have a lot of credit card debt, you can also transfer your balance to a 0% intro APR card.

Saving vs Investing – Do you know the difference?

It is widely believed that saving and investing are the same thing. They are not. The main differences lie in the purposes, risks, and returns. Most people stick to only saving because they get overwhelmed with the amount of information they need to do learn before starting to invest. Studying is crucial since some people fall under the “get-rich-quick scheme” and often end up losing all of their capital. However, you shouldn’t let it stop you from investing since there are plenty of free courses online. Investing will bring more interest on your money, and a better quality of life.

saving vs investing

Definition of saving

“Saving” can be defined as setting money aside for the near future, before or after spending an income. It usually has a short-term purpose, such as a trip, or buying a product or service. Saving has little to no risk, and you’ll have the money available when you need, rather than having to wait to cash it out. People who save money usually accumulate it in the form of cash holdings or deposit it into a savings or checking account.

Definition of investing

On the other hand, when you invest, you’re buying assets like properties, stocks, or bonds to make even more money. Unlike saving, you won’t have that much liquidity. In other words, you won’t be able to get your hands on the cash as fast as you would if you saved the money. There are many types of investments, and the best one will depend on how much risk you are willing to take. The higher the risk, the higher the return.

Which one should you choose?

Ideally, you should have a mix of both, depending on your life goals. Having money saved up can make you happier and less anxious. A survey conducted by Ally Bank reported that 38% of the people who had money in a savings account were happy or extremely happy. When you save you know there’s an emergency fund, therefore, you’re prepared for the unknown. It will also prevent you from accumulating debt, and as a consequence, raise your credit score. 

At the same time, investing will grow your capital, and can potentially make you wealthier, thanks to compound interest. If you have long term goals, such as buying your own home, or start a business from scratch, investing is better than saving. It is also great for people who want to retire early and enjoy their life without needing to work. 

To become financially independent, the first thing you need to do is understand your investor profile, which could be conservative, moderate, or aggressive. And you should be also looking into diversifying your portfolio. It should contain a mix of commodities, foreign fixed income, US stocks, and foreign stocks, US fixed income, among other investments, with high and low risks and liquidity. 

Best Secured Credit Cards of 2019

Are you looking for a quick way to fix your credit score? The best way to do that is by getting a credit card. However, that’s not easily done if you have bad credit. That is where a secured credit card comes in. The difference between a standard credit card and a secured one is that you’ll be required to give a cash deposit, which will be used as collateral, and also as your credit line. 

secured credit cards

To fix your credit score, and also get access to a higher limit, you’ll need to use the card responsibly. Try to use the card for fewer purchases, and always pay the balance in full, preferably before the due date. After a few months, if your credit has improved, consider getting an unsecured credit card, since they usually have better interest rates and rewards like cashback and airline miles.

Capital One Secured MasterCard

  • No annual fee
  • $49, $99 or $200 refundable deposit
  • Access to a higher credit line after 5 months
  • Choose your own monthly due date and payment method

Apply now on our secure website

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Apply now on Capital Bank N.A. secure website

Green Dot primor Visa Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Apply now on our secure website

First Progress Platinum Select Mastercard Secured Credit Card

  • Reports to all three major credit bureaus
  • No minimum credit score required
  • 14.74% variable APR for purchases
  • Accepted nationwide
  • No minimum credit score
  • $39 annual fee

Apply now on our secure website

Wells Fargo Secured Visa Credit Card

  • $25 annual fee
  • Reports to all three major credit bureaus
  • Access to your FICO Credit Score
  • 20.74% APR rate on purchases and balance transfers
  • Your security deposit is equal to your credit line

Discover it Secured

  • Minimum deposit of $200
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then it’s 1% cash back
  • No annual fee
  • Reports to all major credit bureaus
  • 24.99% variable APR
  • Discover will match all the cash back earned at the end of the first year

Bank of America BankAmericard Secured

  • 24.99% variable APR
  • No annual fee
  • Zero-liability protection
  • Free FICO credit score access
  • $300 minimum security deposit

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The Best No-Annual Fee Credit Cards (September 2019)

Did you know you can receive cash back rewards and points even without paying an annual fee? These credit cards are an excellent option for someone who is looking for a good cost-benefit and still wants to enjoy the advantages of owning a card. We’ve selected the best no-annual fee credit cards for September 2019. Check them out below:

no annual fee credit cards

Bank of America Cash Rewards Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • $200 bonus offer after spending at least $1,000 within the first 3 months
  • 3% cash back in the category of choice
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • No annual fee

Citi Simplicity Card

  • 0% intro APR on purchases for 12 months
  • 0% intro APR on balance transfer for 21 months
  • $0 liability on unauthorized charges
  • No annual fee

Chase Freedom

  • 0% intro APR on purchases and balance transfers for 15 months
  • Earn a $200 after spending at least $500 on purchases within the first 3 months
  • No annual fee
  • 5% cash back on up to $1,500 in combined purchases in bonus categories
  • 1% cash back on all other purchases
  • Cash back doesn’t expire

Capital One VentureOne Rewards Credit Card

  • 20,000 bonus miles after spending at least $1,000 within the first 3 months
  • 1.25 miles per $1 spent on purchases
  • No foreign transaction fees
  • No annual fee
  • Travel accident insurance
  • Auto rental collision damage waiver

Capital One Quicksilver

  • $150 bonus after spending at least $500 on purchases within the first 3 months
  • 1.5% cash back on all purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance
  • No annual fee

Wells Fargo Propel American Express Card

  • 30,000 bonus points after spending at least $3,000 in purchases for the first 3 months
  • No annual fee
  • 0% intro APR on purchases and balance transfers for 12 months
  • Earn 3 points per $1 spent on eating out and ordering in, gas, flights, hotels and popular streaming services
  • Points never expire

American Express Cash Magnet Card

  • Earn a $150 bonus after spending at least $1,000 in purchases for the first 3 months
  • 1.5% unlimited cash back on your purchases
  • Car rental loss and damage insurance
  • Travel accident insurance
  • No annual fee

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best 0% Intro APR Credit Cards (September 2019)

Are you planning on making a new large purchase? A standard credit card will charge you fees if you leave a balance on them, but a 0% APR card will help you save money and give you more time to pay it. This means you won’t pay interest on purchases – and sometimes balance transfers – for up to 18 months, depending on the card.

1) Capital One Venture One

  • $0 annual fee
  • 1.25% miles per $1 dollar spent
  • Earn 20,000 bonus miles after spending at least $1,000 in purchases within the first 3 months
  • 0% intro APR rate on purchases for 15 months
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty

2) AmEx EveryDay Credit Card

  • 0% intro APR on purchases and balance transfers for 15 months
  • 10,000 bonus points after spending at least $1,000 in purchases within the first 3 months
  • No annual fee
  • 2 points per $1 spent at US supermarkets (on up to $6,000 per year)
  • 1 point per $1 spent on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

3) U.S. Bank Visa Platinum Card

  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • Cell phone protection
  • Fraud protection
  • 24/7 Account access
  • Free TransUnion credit score

4) Wells Fargo Platinum Visa Card

  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Cell phone protection
  • Zero liability protection
  • Roadside dispatch

5) Capital One Quicksilver Cash Rewards

  • No annual fee
  • 0% intro APR on purchases for 15 months
  • No foreign transaction fees
  • $150 cash bonus after spending $500 on purchases within the first 3 months
  • 1.5% cash back on all purchases

6) Capital One SavorOne Cash Rewards Credit Card

  • No annual fee
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • $150 cash bonus after spending at least $500 on purchases within the first 3 months
  • No foreign transaction fees
  • 0% intro APR rate on purchases for 9 months
  • Extended warranty
  • Travel accident insurance

7) Discover it Cash Back Credit Card

  • 5% cash back at different places each quarter
  • 1% cash back on all other purchases
  • Cash back match
  • 0% intro APR on purchases and balance transfers for 14 months

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Credit Cards Sign-Up Bonus Offers (August 2019)

Are you looking for a new credit card to take advantage of its points and miles? You should look for credit cards that offer new clients sign-up bonus points since it’s the quickest way to get them. You can trade these points for airline tickets, products or services, or even cash.

1) Chase Sapphire Preferred

  • 60,000 bonus points after spending at least $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining at restaurants
  • No foreign transaction fees
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • 1:1 Point transfer
  • $0 Fraud liability

2) Capital One Venture Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 2 miles per $1 spent on all purchases
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • Auto rental collision damage waiver

3) Citi / AAdvantage Platinum Select World Elite

  • 50,000 bonus points after spending $2,500 on purchases for the first 3 months
  • $0 intro annual fee, then it’s $99
  • First checked bag free
  • Preferred boarding
  • 2 points per $1 spent at restaurants and gas stations
  • 2 points per $1 spent on eligible American Airlines purchases
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees

4) Chase Freedom

  • $200 cash bonus after spending $500 on purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Cash back rewards don’t expire
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 1% cash back on all other purchases
  • Purchase protection
  • Extended warranty protection

5) Capital One Savor Cash Rewards

  • $300 cash bonus after spending $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on all other purchases
  • No foreign transaction fees
  • Extended warranty
  • Travel accident insurance

6) Chase Sapphire Reserve

  • 50,000 bonus points after spending $4,000 on purchases within the first 3 months
  • No foreign transaction fees
  • $300 annual travel credit
  • 3 points per $1 spent on travel
  • 3 points per $1 spent on dining at restaurants worldwide
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Purchase protection
  • Return protection
  • No blackout dates or travel restrictions

7) Bank of America Premium Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining purchases
  • 1.5 points per $1 spent on all other purchases
  • No foreign transaction purchases
  • Purchase protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The 7 Best Travel Rewards Credit Cards (August 2019)

Did you know that you can travel less expensively with the help of great travel rewards credit cards? With them, you can purchase products and services overseas and not pay foreign transaction fees. These fantastic cards also offer other travel perks such as travel insurance, big sign-up bonuses, and cash rewards.

We’ve selected the best travel rewards credit cards. Check them out here:

1) Chase Sapphire Preferred Card

  • 60,000 bonus points after spending $4,000 on purchases within the first 3 months
  • 2 points per $1 spent on travel and dining at restaurants
  • 1:1 point transfer at airline travel partners
  • No foreign transaction fees
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Trip delay reimbursement
  • Purchase protection
  • Extended warranty protection

2) Chase Sapphire Reserve

  • 50,000 bonus points after spending $4,000 on purchases within the first 3 months
  • $300 annual travel credit
  • 3 points per $1 spent on travel and dining worldwide
  • 1 point per $1 spent on all other purchases
  • No foreign transaction fees
  • Travel & purchase coverage

3) Capital One Venture Rewards

  • 50,000 bonus points after spending at least $3,000 on purchases within the first 3 months
  • $0 intro annual fee, then it’s $95
  • 2 points per $1 spent on every purchase
  • No foreign transaction fees
  • Travel accident insurance
  • Extended warranty
  • Auto rental collision damage waiver
  • 24-hour travel assistance services

4) Blue Cash Everyday

  • No annual fee
  • 0% intro APR on purchase and balance transfers for 15 months
  • 3% cash back at US supermarkets
  • 2% cash back at US gas stations and select US department stores
  • 1% cash back on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance

5) Citi AAdvantage Platinum

  • 50,000 bonus points after spending $2,500 within the first 3 months
  • First checked bag is free
  • Preferred boarding
  • 2 points per $1 spent on eligible American Airlines purchases
  • 2 points per $1 spent at restaurants
  • 2 points per $1 spent at gas stations
  • No foreign transaction fees
  • $0 intro annual fee, then it’s $99

6) Discover it Miles

  • No annual fee
  • No blackout dates
  • 1.5 points per $1 spent on all purchases
  • Unlimited bonus at the end of your first year (terms apply)
  • Points never expire
  • $0 Fraud liability
  • No foreign transaction fees
  • No overlimit fee

7) Blue Cash Preferred

  • $250 cash bonus after spending $1,000 in purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • 6% cash back at US supermarkets and US streaming subscriptions
  • 3% cash back on transit and at US gas stations
  • 1% cash back on all other purchases
  • Car rental loss and damage insurance
  • Travel accident insurance
  • Purchase protection
  • Fraud protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

The Best Credit Cards for Bad Credit of 2019

If you are struggling to find a credit card, it’s probably because you have applied for the wrong ones.

credit cards for bad credit

There are special credit cards in the market aimed at people with poor or no credit. They usually have fast approval and will help you rebuild your credit score if you use them responsibly.

You can apply to two different types of credit cards. Secured credit cards will require a security deposit to be used as collateral; and unsecured cards, which don’t need any down payment.

We’ve selected and reviewed the best credit cards for people with bad credit:

1) Indigo Platinum Credit Card

  • Previous bankruptcy accepted
  • It reports to all three major credit bureaus
  • Applying won’t affect your credit score
  • Accepted at over 35 million locations worldwide
  • Zero fraud liability

Apply Now on our secure website

2) Capital One Secured Mastercard

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, this Capital One card builds credit when used responsibly, with regular reporting to the three major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first five monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide

Apply Now on our secure website

3) Surge Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Apply Now on our secure website

4) First Latitude Platinum Mastercard

  • Build your credit
  • No annual fee
  • No minimum credit score required.
  • Quick and easy online application.

Apply Now on our secure website

5) First Access Solid Black Visa Credit Card

  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

Apply Now on our secure website

6) OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all three major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as six months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences and insights from others on our Facebook Fan page. (Search “OpenSky Card” on Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Apply Now on Capital Bank N. A. secure website

7) Green Dot Primor Visa Classic Secured Credit Card

  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

Apply Now on our secure website

8) Reflex Mastercard

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Apply Now on our secure website

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.

How Can You Get a Loan With Bad or No Credit?

You might find it more challenging to get approved for a loan or a credit card if you have bad or no credit.

But if due to a sudden emergency, like medical expenses or unplanned repairs, you need money as soon as possible, it’s not impossible to get one.

There are some simple actions you can take to increase your chances of borrowing money from a bank or institution – even with poor credit:

Analyze your credit reports

Did you know that 25% of U.S. consumers found mistakes on their credit reports? These errors can deeply hurt your score.

There are three major credit bureaus in the U.S. – Equifax, TransUnion, and Experian.

Check your credit records, and if you find any incorrect information, contact the company that made this mistake and ask them to correct it.

Boost your credit score

If you make at least a bit of effort to improve your credit score, you’ll increase your chances of getting a loan, and you will also get a better APR rate.

What’s a credit score?

It’s a three-digit number that is used to represent a person’s creditworthiness. A credit score measures how likely you’re going to pay your debt.

What’s your credit like?

  • 760-850 – Excellent
  • 700-759 – Very good
  • 660-699 – Fair
  • 620-659 – Poor
  • Scores under 620 – Extremely poor

See if you prequalify – Get started HERE

How can you improve your score?

According to Experian, there are some simple measures you can take to help to increase your credit score, such as:

  • Never forget to make your payments on time – even if it’s just the minimum amount.
  • Don’t close old accounts – if you close an old account, it will increase your credit utilization ratio
  • Have a good credit mix
  • Try to keep a low debt-to-income ratio, which is the percentage of your income that goes to paying your debt
  • Don’t apply to many credit products in a short period of time

Compare the loan offers

You can apply to two types of loans. Unsecured loans, also known as personal loans – they’re mainly based on the person’s creditworthiness without any collaterals; and secured loans, which require a security deposit as guarantee.

It’s essential to learn about all the loan offers before actually applying for one. Check all the terms and conditions and interest rates first.

A good tip is to find a friend or family member to be your cosigner. With that, you will increase your chances of getting approved with a reasonable interest rate.

See if you prequalify – Get started HERE

7 Best No Annual Fee Credit Cards of July 2019

Did you know that you can take advantage of all the rewards and bonuses of credit cards without paying an annual fee? Enjoy cashback on your purchases, zero foreign transaction fees, 0% intro APR periods, and much more. Here are the seven best no annual fee credit cards of July 2019:

no annual fee credit cards

1) Bank of America Cash Rewards Credit Card

  • $200 bonus offer after making at least $1,000 in purchases within the first 3 months
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • 3% cash back on gas, online shopping dining, travel, drug stores or home improvement purchases; 2% at grocery stores and wholesale clubs, 1% cash back on all other purchases
  • Cash rewards don’t expire

2) Citi Double Cash Card

  • 2% cash back – 1% when you buy + 1% when you pay
  • 0% intro APR on purchases and balance transfers for 18 months
  • No annual fee
  • No caps and no category restrictions
  • Zero liability charges

3) Chase Freedom Unlimited

  • 1.5% cash back on all purchases
  • 1.5% additional cash back on all purchases for the first year (terms apply)
  • Zero annual fee
  • Rewards never expire
  • Redeem points any time

4) Capital One Quicksilver Rewards Card

  • $150 cash bonus after spending $500 within the first 3 months
  • 1.5% cash back on all purchases
  • No annual fee
  • 0% intro APR on purchases and balance transfers for the first 15 months
  • No foreign transaction fees
  • Cash back points don’t expire
  • Travel accident insurance

5) Discover it Balance Transfer

  • 5% cash back at different places like gas stations, grocery stores, restaurants and Amazon.com
  • 1% unlimited cash back on all other purchases
  • Rewards don’t expire
  • Discover it cash back match
  • No annual fee
  • 0% intro APR on balance transfers for 18 months
  • 0% intro APR on purchases for 6 months on purchases

6) Blue Cash Everyday Card from AmEx

  • $150 bonus after spending $1,000 in purchases for the first 3 months
  • 0% intro APR on purchases and balance transfers for 15 months
  • 3% cash back at US supermarkets; 2% cash back at US gas stations; 1% cash back on other purchases
  • Zero annual fee
  • Car rental loss and damage insurance
  • Travel accident insurance

7) HSBC Cash Rewards Mastercard Credit Card

  • 3% intro cash back in the first 12 months from account opening (terms apply)
  • 1.5% unlimited cash back
  • 0% intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • $0 foreign transaction fees
  • Cellphone protection
  • Fraud protection

Advertorial Disclosure: The content of this post, which was created by our Ad Services team, has not been reviewed, approved, or endorsed by any party mentioned herein.