About 5 years ago, I hated thinking about money. With student loans, medical bills, and credit card debt, my finances were a mess. I had a ho-hum bank account (barely any interest, tons of bank fees) and I didn’t even want to think about my credit score, let alone look at it.
When my old clunker finally broke down and I had to get a new car, that’s when I was forced to confront my financial reality. Applying for an auto loan was a sobering process, and being offered a double-digit interest rate was the wake-up call.
There were some simple money moves I made that helped me right track my finances. And even today, with my credit score nearly 200 points higher, I am still always on the lookout for new or better ways to simplify my finances.
Here are seven simple steps you can to make the most of your finances.
1. Clean Up Your Energy Habits
When you sign up to become a clean energy customer with Arcadia, you’ll save both money on your electric bill and the environment. Pretty great, huh?
Arcadia is the first nationwide energy service giving renters and homeowners access to clean energy and savings. Customers decide what kind of energy they want to support: solar, wind, or other renewable options. Sign up through InboxDollars today and link your bill and earn $5.00 in your account.
2. Sign up with Mint Mobile
Get an affordable mobile plan! Mint Mobile offers plans starting at $15 a month! You get to choose from a three, six, or 12-month service.
Sign up for Mint Mobile through InboxDollars and earn a $10.00 reward when you stay a customer with Mint Mobile for at least 30 days.
3. Sign up for Credit Karma
Credit Karma offers free credit reports when you want and your scores won’t be affected. You’ll be able to compare your loans, credit cards, and more.
Sign up with Credit Karma through InboxDollars for free and earn $1.00 for signing up and registering.
4. Get Started with Stash
With Stash, now you don’t have to be a millionaire to make money in the stock market! Stash is for people who want to take charge of their financial futures but need a helping hand to get them started and to see them through their journey. Stash is also for the millions of Americans that have been overcharged and underserved by traditional banks, brokers, and investment advisors.
Stash offers options for customers to invest for their short and long-term goals, from saving for a home to saving for retirement. Customers can open an investment account and choose from over 70 curated stocks and investments that reflect their goals, interests, and personal beliefs. Stash teaches new investors the core principles of investing and helps them plan with confidence in order to meet their goals. You can actually learn while investing.
And you can also automate: the Auto-Stash (feature) is a simple way to automate your investments. Making small investments on a regular basis is the key to maximize your savings while taking the risk out of trying to time the market.
Start with just $5 – and there is no minimum to start saving! Plus, Stash will add $15 to your account.
5. Install Charlie
Take the financial stress off your shoulders and use Charlie. Taking care of your everyday expenses is never fun not to mention add tons of stress on a daily basis – especially when you know you are overspending.
With Charlie, you’ll have a personal virtual financial friend. He’ll help you keep on your toes on late fees, score better deals, boosting your bank account, credit score, loans, bills, you name it.
The Charlie app analyzes your daily spending along with looking into each of your bank accounts to make sure you are not missing any payments. Charlie never misses an expense, transaction – you can rely on him 100%.
Have a financial goal? Want to save $100 a month? Charlie has got you! If you download the app through InboxDollars, you’ll earn $2.00 in your InboxDollars account. You must connect your bank account to receive credit.
6. Do Your Shopping on Kohls.com, Earn *1.5% Cash Back
7. Take on a Side-Gig
If you have time on your hands, consider working a side job, also known as, a side-gig and earn extra cash on the side. InboxDollars partners with many side-gigs like Instacart, DoorDash Driver, and Lyft Driver. The best part is, you’ll be able to work on your own time and schedule. Take a look and decide which ones best suit your interest.