Where do I start?

I’m a huge financial nerd, and have spent an embarrassing amount of time talking to people about their money habits.

Here are the biggest mistakes people are making and how to fix them:

Not having a separate high interest savings account

Having a separate account allows you to see the results of all your hard work and keep your money separate so you're less tempted to spend it.

Plus with rates above 5.00%, the interest you can earn compared to most banks really adds up.

Here is a list of the top savings accounts available today. Deposit $5 before moving on because this is one of the biggest mistakes and easiest ones to fix.

Overpaying on car insurance

You’ve heard it a million times before, but the average American family still overspends by $417/year on car insurance.

If you’ve been with the same insurer for years, chances are you are one of them.

Pull up Coverage.com, a free site that will compare prices for you, answer the questions on the page, and it will show you how much you could be saving.

That’s it. You’ll likely be saving a bunch of money. Here’s a link to give it a try.

Consistently being in debt

If you’ve got $10K+ in debt (credit cards…medical bills…anything really) you could use a debt relief program and potentially reduce by over 20%.

Here’s how to see if you qualify:

Head over to this Debt Relief comparison website here, then simply answer the questions to see if you qualify.

It’s as simple as that. You’ll likely end up paying less than you owed before and you could be debt free in as little as 2 years.

Missing out on free money to invest

It’s no secret that millionaires love investing, but for the rest of us, it can seem out of reach.

Times have changed. There are a number of investing platforms that will give you a bonus to open an account and get started. All you have to do is open the account and invest at least $25, and you could get up to $1000 in bonus.

Pretty sweet deal right? Here is a link to some of the best options.

Having bad credit

A low credit score can come back to bite you in so many ways in the future.

From that next rental application to getting approved for any type of loan or credit card, if you have a bad history with credit, the good news is you can fix it.

Head over to BankRate.com and answer a few questions to see if you qualify. It only takes a few minutes and could save you from a major upset down the line.

How to get started

Hope this helps! Here are the links to get started:

Have a separate savings account
Stop overpaying for car insurance
Finally get out of debt
Start investing with a free bonus
Fix your credit

Here’s the thing: I wish I had known these money secrets sooner. They’ve helped so many people save hundreds, secure their family’s future, and grow their bank accounts—myself included.

And honestly? Putting them to use was way easier than I expected. I bet you can knock out at least three or four of these right now—yes, even from your phone.

Don’t wait like I did. Go ahead and start using these money secrets today!

1. Cancel Your Car Insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix.

Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $996 per year.

If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you.

Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.

2. Ask This Company to Get a Big Chunk of Your Debt Forgiven

A company called National Debt Relief could convince your lenders to simply get rid of a big chunk of what you owe. No bankruptcy, no loans — you don’t even need to have good credit.

If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts will build you a monthly payment plan. As your payments add up, they negotiate with your creditors to reduce the amount you owe. You then pay off the rest in a lump sum.

On average, you could become debt-free within 24 to 48 months. It takes less than a minute to sign up and see how much debt you could get rid of.

3. You Can Become a Real Estate Investor for as Little as $10

Take a look at some of the world’s wealthiest people. What do they have in common? Many invest in large private real estate deals. And here’s the thing: There’s no reason you can’t, too — for as little as $10.

An investment called the Fundrise Flagship Fund lets you get started in the world of real estate by giving you access to a low-cost, diversified portfolio of private real estate. The best part? You don’t have to be the landlord. The Flagship Fund does all the heavy lifting.

With an initial investment as low as $10, your money will be invested in the Fund, which already owns more than $1 billion worth of real estate around the country, from apartment complexes to the thriving housing rental market to larger last-mile e-commerce logistics centers.

Want to invest more? Many investors choose to invest $1,000 or more. This is a Fund that can fit any type of investor’s needs. Once invested, you can track your performance from your phone and watch as properties are acquired, improved, and operated. As properties generate cash flow, you could earn money through quarterly dividend payments. And over time, you could earn money off the potential appreciation of the properties.

So if you want to get started in the world of real-estate investing, it takes just a few minutes to sign up and create an account with the Fundrise Flagship Fund.

This is a paid advertisement. Carefully consider the investment objectives, risks, charges and expenses of the Fundrise Real Estate Fund before investing. This and other information can be found in the Fund’s prospectus. Read them carefully before investing.

4. Earn Up to $50 this Month By Answering Survey Questions About the News — It’s Anonymous

The news is a heated subject these days. It’s hard not to have an opinion on it.

Good news: A website called YouGov will pay you up to $50 or more this month just to answer survey questions about politics, the economy, and other hot news topics.

Plus, it’s totally anonymous, so no one will judge you for that hot take.

When you take a quick survey (some are less than three minutes), you’ll earn points you can exchange for up to $50 in cash or gift cards to places like Walmart and Amazon. Plus, Penny Hoarder readers will get an extra 500 points for registering and another 1,000 points after completing their first survey.

It takes just a few minutes to sign up and take your first survey, and you’ll receive your points immediately.

5. This Online Bank Account Pays 10x More Interest Than Your Traditional Bank

If you bank at a traditional brick-and-mortar bank, your money probably isn’t growing much (c’mon, 0.40% is basically nothing).1

But there’s good news: With SoFi Checking and Savings (member FDIC), you stand to gain up to a hefty 3.80% APY on savings when you set up a direct deposit or have $5,000 or more in Qualifying Deposits and 0.50% APY on checking balances2 — savings APY is 10 times more than the national average.1

Right now, a direct deposit of at least $1K not only sets you up for higher returns but also brings you closer to earning up to a $300 welcome bonus (terms apply).3

You can easily deposit checks via your phone’s camera, transfer funds, and get customer service via chat or phone call. There are no account fees, no monthly fees and no overdraft fees.* And your money is FDIC insured (up to $3M of additional FDIC insurance through the SoFi Insured Deposit Program).4

It’s quick and easy to open an account with SoFi Checking and Savings (member FDIC) and watch your money grow faster than ever.

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5. Stop Paying Your Credit Card Company

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape… but a website called AmONE wants to help.

If you owe your credit card companies $100,000 or less, AmONE will match you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmONE rates start at 6.40% APR), you’ll get out of debt that much faster.

It takes less than a minute and just 10 questions to see what loans you qualify for.

6. Earn Up to $225 This Month Playing Games on Your Phone

Ever wish you could get paid just for messing around with your phone? Guess what? You totally can.

Swagbucks will pay you up to $225 a month just for installing and playing games on your phone. That’s it. Just download the app, pick the games you like, and get to playing. Don’t worry; they’ll give you plenty of games to choose from every day so you won’t get bored, and the more you play, the more you can earn.

This might sound too good to be true, but it’s already paid its users more than $429 million. You won’t get rich playing games on Swagbucks, but you could earn enough for a few grocery trips or pay a few bills every month. Not too shabby, right?

Ready to get paid while you play? Download and install the Swagbucks app today, and see how much you can earn!

I used to think pet insurance was unnecessary (a luxury, not a necessity). That changed after my friend’s dog Bear got sick out of nowhere. What started as minor symptoms turned into an emergency vet visit, followed by a cancer diagnosis, and $20,000 in medical expenses. In that moment, I realized how quickly things can spiral when it comes to a pet’s health.

Fortunately, my friend found a pet insurance policy from this website so Bear got the treatment he needed without my friend having to make impossible financial decisions.

If you’re wondering whether pet insurance is worth it, here are a few lessons I took away from Bear’s experience:

1. Pet insurance lets you focus on care—not costs

When Bear was diagnosed, my friend didn’t have to weigh his bank account against Bear’s well-being. Pet insurance covered the bulk of the costs, making it possible to move forward with aggressive treatment options right away. It’s peace of mind when you need it most.

Look here to see pet insurance options that cover both emergencies and serious conditions like cancer.

2. It helps with more than just major illnesses

While Bear’s case was extreme, many plans also cover routine care like annual checkups, vaccinations, and preventative treatments. These smaller costs add up, and having insurance means less strain on your wallet over time.

Explore policies with coverage for routine care here.

3. Vet bills can escalate quickly—even for small issues

Before Bear’s diagnosis, the initial tests and scans alone cost thousands. It was a reminder of how even something that seems minor can rack up a big bill fast. Pet insurance ensures you’re not caught off guard when costs pile up.

4. Insurance gives you flexibility and peace of mind

Without insurance, my friend would have faced tough decisions about Bear’s treatment—choices no pet owner should have to make. With a good policy, you can focus on what’s best for your pet instead of stressing over finances.

5. It’s a smart investment for any pet owner

Whether you’re caring for a young, healthy pup or an aging senior pet, insurance can be tailored to your pet’s specific needs. It’s not just about saving money—it’s about being ready for whatever life throws your way.

So, is pet insurance a good idea? Based on what I’ve seen, absolutely. It’s not just a financial safety net; it’s a way to ensure your pet gets the best possible care, no matter the circumstances.

If you’re thinking about it, take a few minutes to explore your options. This tool makes it easy to compare plans and find the right coverage for your furry friend. It could be one of the smartest decisions you make for your pet—and your peace of mind.