TIKTOK REFERENCE
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Note: These suggestions are meant to help supplement your finances. If you’re in a more dire situation we suggest speaking with your landlord immediately, calling 211 for organizational assistance, applying for industry grants, and asking friends/family for help.
It’s a fresh new year. We should be grateful for our health and definitely, a place to live.
Even though every time that chunk of rent payment leaves your bank account and into someone else’s, it hurts just a little bit. But it’s the price to pay for having your own living space and basically, a non-negotiable.
So keep making those rent payments and we’re making it a little bit easier by suggesting some things you can do to earn some side cash as well as manage your money more efficiently. Even better when you can get paid for doing stuff you already do!
1. Fast Personal Loans For Any Type of Credit
Personal loans get a bad rep but if you use them for the right reasons like debt consolidation, house repairs, and unplanned major expenses like medical bills, it’s a valid option.
Save time and searching effort using LoansUnder36, a loan matching service for those looking to borrow $500 up to $35K. They’ll find loans regardless of your credit status, with APRs from 5.99% up to 36% max. Their network has over 100 vetted lenders and you’ll be able to easily compare side-by-side with no obligation.
There’s no credit score impact by applying for quotes and the repayment periods are flexible ranging from 61 days to 72 months (6 years)!
2. When It’s 2024, and You Still Have Credit Card Debt Under $100,000
Stop the anxiety attacks by getting rid of your debt. If you owe $100,000 or less, AmONE can help by matching you with a low-interest loan to pay off all your balances. Problem solved.
Their interest rates start at just 6.40% compared to credit cards, which can go as high as 36%! Plus, it’s only one monthly bill, making it way easier to manage.
There’s also no credit score impact to check, and repayment periods are flexible. Take 2 minutes to check, and you can get funds as quickly as 48 hours to wipe that credit card debt!
3. Invest in Google, Amazon, Tesla, Netflix, and More
You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Google, Amazon, Tesla, etc., but you can. And you don’t have to be rich either.
That’s because Stash, an investment app, lets you start investing with just $5. You can choose where to put your money, and they provide guidance and tools to help you along the way. You can invest in some of the major companies that you use or buy from regularly to make a custom Personal Portfolio.
With Stash Growth and Stash+, you can also choose the Smart Portfolio option, which offers hands-off stress-free investing since Stash will invest for you based on your risk tolerance.
Plus, Stash gives new members a bonus for any first investment, so create an account to get started.
Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.
4. Please Spot Me Up to $2001, So I Don’t Get an Overdraft Fee!
We got you. Or, more specifically, Chime ® has your back; the award-winning mobile financial app and debit card will have you saying goodbye to overdraft fees!
That’s because their SpotMe®️ tool can literally spot you up to $2001 without charging a fee as long as you receive qualifying direct deposits.
You need qualifying direct deposits of at least $200 a month into your Chime Checking Account to qualify, and one of the easiest methods is to route your paycheck there so you don’t have to think about it.
Other perks:
- Get paid up to 2 days early3 with direct deposit
- Get 2.00% Annual Percentage Yield (APY)4 with the high-yield Chime Savings Account5
- Access to a new way to build credit history with the Secured Chime® Credit Builder Visa® Credit Card6
- FDIC-insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.7 (it’s safe!)
- No minimum balance, no monthly fees, and no foreign transaction/transfer fees
Sign up for Chime and say goodbye to overdraft fees and other benefits!
5. The Money App That’s Backed by Paypal, Dwayne Johnson, Ashton Kutcher, and More
Celebrities and leading investors can be particular about where they put their money, but Acorns has caught the attention (and their investments) of Blackrock, Paypal, and major names like Dwayne Johnson and more. Not to mention, they already have 4.7 million+ customers!
That’s because Acorns Banking does more than other types of accounts as it automatically saves and invests for you. Every time you purchase with your new metal debit card, the spare change gets invested into an expert-designed, diversified portfolio of stocks and bonds.
You can get started in under 3 minutes with no financial experience or expertise needed. You’ll also get access to retirement, investing for families, rewards, and more, all in one app.
With no hidden fees, Acorns makes it easy to invest in your future with your spare change.
6. Earn a $200 Cash Bonus with this Capital One Credit Card
The Smart Wallet has partnered with CreditCards.com for our coverage of credit card products. The Smart Wallet and CreditCards.com may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
The Capital One Quicksilver Cash Rewards Credit Card makes an excellent option for those who want to earn rewards with every swipe.
Perks:
- Earn unlimited 1.5% cash back on all purchases
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months of account opening
- $0 annual fee and no foreign transaction fees
- No limit to how much you can earn, and cash back won’t expire for the life of your account
With this unlimited flat rate rewards type card, you won’t have to worry about using the “right card” for the “right purchases!”
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