You’ve got just enough money in your bank account to last until Friday … but then Monday rolls around, and you’re in the same situation. Again.
Food. Bills. Rent. Gas. They dry up every bit of your take-home pay.
But it doesn’t have to be this hard. With a few smart moves, you could supplement your income — without doing much extra “work,” or even getting a side job!
Here’s what to do:
1. Pay no interest on balance transfers until March 2025
Imagine getting 21 months with 0% interest on a balance transfer. Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card – the Citi Simplicity® Card.
If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high-interest debt to this card with a 0% intro APR on balance transfers for 21 months. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!
It doesn’t just stop with balance transfers though. Cardholders also get a generous intro APR of 0% for 12 months on purchases. After the intro period for purchases and balance transfers, the APR is 18.99% – 29.74% (Variable).
The best part? There’s no annual fee.
2. Stop overpaying when you shop online
Shopping online has its perks. It’s super convenient, but it can be time-consuming to find the best deals. Instead of hunting for coupon codes (that don’t always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.
Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, it’ll scour the internet for coupon codes to help you save cash. And before you check out at 25+ major retailers, Capital One Shopping will notify you with a friendly pop-up if the item you’re buying is available cheaper somewhere else.
Capital One Shopping is free to use and won’t show you ads. Add it today and stop overpaying!1
3. Ask this company to pay off your credit card debt
If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?
National Debt Relief could help. If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly payment.
Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!
4. Prepare for market volatility by diversifying with gold
Stock market volatility can be financially harmful, especially if you’re approaching retirement. You could park your investments in a savings account, but have you compared interest rates with inflation lately? Another option to consider — diversify with precious metals like gold and silver.
Precious metals values are inversely correlated with the stock market and the dollar. When one goes down, the other usually goes up. If you want to protect your retirement funds, having diversified investments may be able to help you weather market swings.
Lear Capital is a reputable precious metals dealer that has specialized in precious metals IRAs for 25 years with over $3 billion in precious metals transactions since 1997. They have a AAA rating with the Business Consumer Alliance, and they make it simple to transfer funds from your current retirement account (like a 401(k) or IRA) into a precious metal IRA.
