Handle the financial past, present and future of 2021

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Christmas may be long gone. But like Charles Dickens’ Ebenezer Scrooge Christmas carolThe ghosts of the past, present and future are still visiting you.

They are the specter of all the financial decisions you have made, the financial decisions you are making now, and the financial decisions you will make in the coming year.

The ghost of the lost money moaned, moaned. They blame your empty wallet. They greeted you with piles of crumpled dollar bills.

Mmmwwwuuuaaahhhh, They cried. You should have more moneeeeeyyyyyy.

What you need is some ghostbustin currency strategy. We have seven ways to eliminate all your money ghosts.

Fix the past

Even if your money is somewhat random, it is never too late to go on the right path. All it needs is some smart financial strategies.

1. Stop making payments to your credit card company

Talk about the devil: Your past consumption lingers in today’s credit card balance, making you bleed. The truth is, your credit card company doesn’t care. It just gets rich by depriving you of your wealth by high interest rates.But one called AmOne Want to help.

If you owe your credit card company $50,000 or less, AmOne will provide you with a low-interest loan that you can use to repay every balance you have.

Is it good? You will have one bill left every month.And, because the interest rate of personal loans is low (AmOne’s interest rate starts from 3.49% APR), you will get rid of the debt burden that Much faster. Plus: No credit card payment this month.

AmOne can protect the confidentiality and security of your information, which may be why after 20 years of operation, it still has an A+ rating from the Better Business Bureau.

It takes two minutes See if you are eligible for up to $50,000 in bonuses online. You do need to give AmOne a real phone number to be eligible, but don’t worry-they will not send you spam over the phone.

2. Solve your old credit problem

Your credit score is a number between 300 and 850, used to measure your credit risk or the likelihood of paying bills on time. It’s important to stay organized and to keep pace. After all, whether you are buying a house or a car, it will play an important role in any large purchase you make.

So if you want to get your credit score back to normal-even if you want to improve it, you can try a free website. Sesame Sesame.

Within two minutes, you will have access to your credit score, any debt account, and some personalized tips to improve your score. You can even spot any errors that make you back down (one in one in five reports).

James Cooper of Atlanta used Credit Sesame to increase his credit score by nearly 300 points in six months.

Want to check it?It’s free and only takes about 90 seconds Sign up.

Seize the current initiative

Because there is no such time to control your money!

3. Earn $489/year from your car insurance in minutes

Speaking of which, when was the last time you checked the price of car insurance?

Okay, what about now? Quick and easy.

You should shop every six months or so, which can save you a lot of money. A website called Insure Make it easy to compare car insurance prices. All you have to do is enter your zip code and your age, and it will show you your choices-even discounts in your area.

Using Insure, people save an average of $489 a year.

Yes it is.In just a few minutes, you can get $500 in your pocket Depends on your choice.

Getty Images

4. Get paid every time you buy toilet paper

Grocery shopping is never a pleasant thing. But now, this is a total struggle. Fight the crowd; keep 6 feet of space-just buying toilet paper is a feat. Shouldn’t you show something for this?

A free application called Withdrawal reward You will receive gift card rewards only when you buy toilet paper and more than 250 other items at the grocery store.

It works as follows: After downloading the app, just take a photo of the receipt showing that you purchased a product from one of the brands listed by Fetch. For your efforts, you will get a gift card from Amazon or Wal-Mart.

you could Download the free Fetch Rewards app here Start getting free gift cards. There are already over a million people, so they must make a difference…

Look to the future

The future will appear before you know it. It’s best to start preparing now.

5. Afraid of investing?This app gives you up to $200 free stock

If you don’t invest at all, then you are not preparing for the future.

If you feel that you do not have enough funds to start investing, then you are not alone. But guess what? You don’t actually need that much, and even if you know where to look, you can get shares for free (worth up to $200!).

Whether you have $5, $100 or $800 in savings, you can start making the following investments: Robin Hood.

Yes, you may have heard of Robinhood. Investing beginners and professionals like it because it does not charge commissions and you can buy and sell stocks for free-no restrictions. In addition, it is very easy to use.

What is good to be you Download app And fund your account (no more than a few minutes), Robinhood will put a portion of free stocks into your account. However, it is random, so the value of the stock ranges from $2.50 to $200, which is very helpful to help you invest.

6. Get free money from the boss

One of the smartest things you can do for your future-miles-is to set aside money from your salary to put in a 401(k).If your employer matches every contribution, it could mean a few millions The U.S. dollar balance in your account at the time of retirement. This is free money!

However, if you cannot take advantage of this employer benefit because you need all your salary each month, a company Loan table Will give you cash.

We know this sounds really good. However, if your employer has a 401(k) matching procedure, this is the money they have designated for you. By using Lendtable, you will be able to unlock these free cash.

Suppose your annual income is $50ka, and your employer matches your 401(k) contribution up to a maximum of 4%. If you deposit $0 in your retirement account this year, you will get $0 from your boss. If Lendtable lends you 4% of the salary your employer is willing to pay, you will get $2,000 from your boss, minus Lendtable’s fees. (This is the extra money you earn, so you don’t have to pay anything for it.)

You need to spend three minutes answering questions about your qualifications and Register a new account.

Once you receive the full subsidy from your employer, LendTable will recover the money they lent you, as well as a small portion of the profit. If your retirement account provider is penalized for collecting money, Lendtable will also compensate for it.

7. Leave up to one million dollars for your family

One last point about the future: Have you ever considered how your family can manage without income after you leave? Your checking account balance may not last forever.

Here’s the thing: you should keep a substantial deposit in the bank, but if you want to give your family a maximum of $1 million, use term life insurance.

We recommend a family like give. Maybe you have considered this before, but think it only applies to the rich or the elderly. However, we heard that people can get it for only $16 a month.

You can use Bestow until you are 54 years old, but the sooner you deal with it, the cheaper it will be.

You don’t even need to leave home Get a free quote Depart from Bestow-just a few minutes. They don’t have to take the family’s check accounts and a lot of troubles to leave the family, but can afford the life they have always wanted.

Therefore, your past, present and future have all subsided. Eliminate those pesky financial ghosts forever.

Mike Brasfield (mike@thepennyhoarder.com) Is the senior writer of The Penny Hoarder. He is also haunted by financial ghosts. !

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