You Could Get Your Paycheck Up to 2 Days Earlier With This Online Bank
“It’s pretty cool that I get my paycheck on Wednesday instead of Friday. Helps SO much with budgeting for the weekend,” says Monique Varro.
Monique gets paid via direct deposit and while her company pays everyone on Fridays, she gets her paycheck 2 days earlier than her coworkers. Sweet, right?
Make Payday Come Faster with this a Chime Bank Account
Last year, Monique had switched her regular bank account to an online bank account with Chime. With this unique earlier payday feature, it helps her budget accordingly and she feels less stressed about bills.
Unlike most banks, Chime doesn’t hold the funds until your pay date. As soon as it receives notification from your employer, Chime will immediately post the funds to your account.
It really only takes 5 minutes to find out how early you can get yours.
Bonus: Chime will also mail paper checks on your behalf if you’re worried about how to deal with paying certain bills. “For rent, I just enter in payment info in the app and they’ll cut the check and mail it for me. Super convenient,” says Monique.
If you want your own payday to come faster, go ahead and take 5 minutes to open a free Chime bank account.
For our in-depth review of Chime Bank, click here.
Saving is Fun Again with These Apps
While we’re on the topic of potentially getting your paycheck faster, let’s talk about savings.
I used to be really skittish around this topic because I was lazy and I just didn’t handle my money well. Since working with financially minded people (*waves to the team) and testing out a lot of apps, I’ve found some favorites that helped me save more and could help you too.
Save More, Win More
Go ahead and download WinWin Saving to start connecting your bank account and setting up your WinWin Saving account.
After that, you’ll be able to play games like Pinball, Brick-Breaker, Memory Flip, and more for chances to win money to increase your savings! Make it a friendly competition with your partner to make it even more fun.
The more you save, the more you can win as well. Got $50 saved? Play to win up to $50 daily. Got $100 saved? Play to win up to $100 daily. And it goes on for higher amounts etc.
It’s like you’re getting paid to save and that is definitely more fun than a traditional bank.
Tip: If a game gets too frustrating, just tap the left upper corner and go easy mode. (But if you’re competitive like me, you can handle it.)
Achieve Missions and Win up to $1,000,000
Here’s another savings app that I use alongside WinWin Saving.
Long Game Savings is a fun app that helps and rallies people to achieve their financial goals.
As you achieve your mission goals, you’ll get coins to play fun mini-games for cash prizes. Games revolve around scratch-off, slots, and spin-to-win. There’s even a $1,000,000 weekly drawing that everyone can participate in using their virtual coins.
To get started, you just need to verify your identity and link your bank account. You’re then free to start saving as little as $5 or as much as you want when setting up automatic savings. There is a sweet first-week bonus though, so get saving right away to earn bonus 40 coins per $1 auto-saved and 3 coins per $1 deposited!
Everyone can get a welcome bonus of 300 coins to get started quickly.
Don’t Buy Anything Else Online Until You Have This Set Up
I buy a lot of stuff online. I’m sure you do too.
I’ve also seen the same stuff I bought go on sale a few weeks later. Rather than moving on, (I’m competitive remember?) I found this amazing app that has my back anytime my online purchases go on sale afterward.
Amazon alone changes their item prices up to 8 times a day and no one has time to keep track of that unless… you’re Earny.
Earny is an app that automatically gets money back when the price changes on your purchases.
I bought a jacket on Amazon and a month later I get an email from Earny saying it’s claiming $6.46 back on my behalf!
And I didn’t have to do anything except set up the account.
Earny securely plugs into your email inbox and credit card so that it can be effective in getting the money back for you. It’ll scan your inbox for purchase receipts and when there’s a price change refund available, it’ll automatically credit the money back to the credit card you used to purchase.
Obviously, Earny won’t be able to do anything for you if you pay in cash but if you regularly purchase online with a credit card, this app is amazing to get those price change refunds back without having you to do anything.
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