7 Financial Strategies for Padding Your Bank Account in Case 2022 Goes Sideways

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So, you thought 2021 was bad? Just wait!

OK, we’re kidding. Obviously, 2022 should turn out way better than 2021 did, right?

There’s no way it could be worse, right?

Right?

Welllllllll… we hate to sound like pessimists, but if there’s one thing life has taught us, it’s that things can always get worse.

Maybe yet another COVID mutation shows up. Maybe the economy crashes again. Maybe our weird politics get even weirder. Maybe aliens land in Times Square.

Just in case, we’ve got some proactive moves you should make to protect your bank account in case things go south. Before the next crisis gets going, let’s get started with the protective measures:

1. Save Up An Emergency Fund

This past year has taught us the hard way that everyone should have an emergency fund. You need a place where you can safely stash your savings away — but still earn money on it.

Under your mattress or in a safe will get you nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days.)

By signing up for a debit card called Aspirationyou could get up to 5% back when you swipe at certain stores, plus they give you up to 83 times the normal national interest rate on your savings balance.

Not too shabby!

Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for “ this is totally safe.”

2. Stop Overpaying for Stuff

Your bank account will be in better shape in 2022 if you stop overpaying for things. For instance, wouldn’t it be nice if you got an alert any time you’re shopping on Walmart’s website and are about to overpay?

That’s exactly what a free service called Capital One Shopping does. (No need to be a Capital One customer to use it!)

Capital One Shopping’s free alerts can be added…

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