10 Minute Empowering Money Moves That’ll Make You Feel Like Taylor Swift

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

Fun fact: While Taylor is born a Sagittarius, she has 4 natal planets in Capricorn, whose traits are known to be excellent with money, business, investments, and are ultimate worker bees. Sound familiar?

She has an estimated net worth of $550 million, big partnerships and endorsements she believes in, as well having a huge heart since she regularly donates to nonprofits. She takes care of her fans too as she once paid a fan’s tuition fees, along with sending “Swiftie Stimulus” $3,000 PayPal payments during COVID.

Since Taylor is kicking ass by taking back her music and re-recording her masters, we felt inspired by her business acumen.

So, add a red scarf to your cardigan, and let’s take a closer look at some empowering money moves that Taylor Swift would be down for.

1. Invest in the Brands You Love, Like Google, Apple, Netflix, and More

Just like how Taylor has brand partnerships and endorsements that she personally likes, for instance, Coca-Cola (specifically Diet Coke), CoverGirl, Target, and Keds, you can invest in the brands you’re interested in, starting at just $1. 

You don’t have to be rich to start investing, and you can do it with Stash, an investment app where you can choose where to put your money, and they’ll provide guidance and tools to help. Invest in some of the major companies that you regularly use to make a custom Personal Portfolio.

Since we don’t have brands clamoring to sponsor us, the next best thing is to invest in them! Your future self will thank you. Stash also gives new members $10 for any first investment so create an account to get started and stay, stay, stay.

2. Look for Ways to Boost Your Income (Even if it’s a Side Hustle)

We can’t all be making bank. But we can learn from Taylor’s hustle, even during the pandemic (hello, folklore, and evermore), and find opportunities to make money. Potentially, an extra $5,500 a year just by using Steady to find extra income which 3 million people are already on this free platform and growing every day.

You can find thousands of new part-time opportunities daily, plus earn cash rewards.

It only takes a few minutes to sign up for free so answer some work history questions & what type of job you’re looking for to see opportunities immediately

3. Utilize The World’s First App That Pays You to Pay Rent on Time

You can’t afford a $39,500/month rental on Cornelia Street like Taylor, but do utilize free perks, like Piñata, where you’ll get paid to pay rent on time by earning rewards and discounts for doing so.

It’s completely free to use and any renter can join. Members save over $4,500 a year!

Members get $20 Piñata Cash when rent gets paid, redeemable for free gift cards to Amazon, Starbucks, The Container Store, Class Pass, and more.

New members get a welcome bonus of $20 Piñata Cash as well as a $30 gift card so sign up for free now to start getting rewarded for rent day!

4. Save $826 a Year on Your Getaway Car

Taylor has an impressive car collection and obviously they need to be insured. But no one talks about that boring stuff unless it’s a lyric. So we think your getaway car’s insurance is probably charging you too much (and making your wallet cry).

What if we could save you $826 a year and you can check in literally 30 seconds?

It’s easy:

  1. Head over to The Smart Wallet’s auto insurance portal and connect your current insurance (no long form to fill out!)
  2. We’ll instantly check for a better deal
  3. See your savings!

Once we find you a better deal and you choose to switch, we’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy.

5. Never Ever Get Back Together with a Bank That Charges Overdrafts

It’s time to break up with banks that only makes withdrawals and charges nasty fees.

Use Chime, an online bank account with absolutely no monthly fees (yes, seriously) and savings at 0.50% APY1 — which is 8x2 the national average.

Their SpotMe feature lets you continue with a needed transaction even if you overdraft. That extra $20 you needed for some Taylor merch? No worries, Chime will spot you up to $200.3

There’s no minimum balance requirement, no foreign transaction fees, and is FDIC-insured up to $250,000. Get paid up to 2 days earlier** too since Chime processes your employer’s deposit immediately, giving you access quicker than traditional banks.

Chime is free to use, so why not give it a shot?

6. “Credit Score Has to Be Over 700” 

When exchanging what they look for in a partner, a high credit score was agreed upon between Taylor Swift and Tiffany Haddish, after they starred together on SNL.

So what’s your own credit score? Use Credit Sesame, a free credit monitoring service that helps you improve and maintain your score. No credit card is needed!

You’ll get an easy-to-read view of your total debt plus everything that’s contributing to your current scores like credit usage, credit age, inquiries, and payment history.

It’s free to use so this is definitely a must-have in everyone’s life.

7. Instant Boost Your Credit Scores With This Tactic 

That long list of ex-lovers come and go but your credit scores stick by you whether you like it or not.

Get an instant increase for free with Experian Boost™ which adds your positive payment history from phone, utility, & streaming services payments to your Experian® credit file. (Yes, your Netflix® payment counts* so keep on re-watching Miss Americana)

On average, members see a 13 point increase. All you need is a free Experian membership and a few minutes to connect read-only permission to the online bank accounts you use to pay bills so Experian can credit your history properly.

This process doesn’t hurt your credit at all and you can choose to remove the boost if you want. Try out the fastest and no-cost way to instantly improve your credit scores that can eventually affect your love life.

Results may vary, see website for details.

8. Budget Within Means Since This is Why We Can’t Have Nice Things 

If you’ve been “feeling so Gatsby” this year with making up for lost COVID time, maybe it’s time to step back and get back to your budgeting roots (or start to).

Use Truebill, a free money management app that’s like your own financial control center and personal finance assistant in one. The app groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

Truebill will also alert you when services quietly raise fees, and will even cancel your hidden and unwanted subscriptions for you. Most importantly, it can help lower your monthly bills by 20%! Yup, they negotiate for you so you don’t have to deal with talking to reps.

9. But If You Really Want the Nice Things, Then Buy Now, Pay Later

Flash your dollars, but not really. If you really want or need some purchases, split up the payments.

Just use Zip (previously QuadPay), a free app that lets you split any purchase anywhere (online & in-store) into 4 payments over 6 weeks. Great for emergencies or when you want the flexibility to pay over time without stress!

How does it work?

  1. Download and sign up for Zip (No long forms, get instant approval, and no hard credit checks!)
  2. Browse the store directory or search for your favorite stores online.
  3. Choose “Pay with Zip” on the checkout page
  4. Enter the total purchase amount (inclusive of shipping and taxes)
  5. Complete your transaction and enjoy your purchase right away

Zip will automatically split your payments into 4 installments using your linked card. If you need to return an item, you’ll be refunded like normal. Try this completely free app with no hidden fees on your next “nice things” purchase.


Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

1The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.

2The average national savings account interest rate of 0.06% is determined by FDIC as of November 1, 2021 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

3SpotMe limits start at $20 and can be increased to $200 or more based on factors like Chime account activity or history. When your next deposit arrives, Chime will apply to your negative balance.

**Early access to direct deposit funds depends on the timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

*© 2021 Experian. All rights reserved. Experian. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners. Licenses and Disclosures.