12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

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7 Money Moves Every Californian Needs to Make

This Week
By The Penny Hoarder Staff <
https://partners.thepennyhoarder.com/author/the-penny-hoarder/>

August 19, 2020 < https://partners.thepennyhoarder.com/9-money-

moves-every-californian-needs-to-make-this-week/>

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

It’s no secret America isn’t in the best spot after this 2020 dumpster fire, and your
wallet might be seeing the side effects.

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

But there are some simple ways to save money and pad your bank account even
during these trying times.

In fact, as of today, more than 1 million Americans have already taken these
simple steps. They’ve been able to save hundreds, secure their families’ futures
and even pay off credit card debt.

Now it’s your turn to get on board, California.

1. Use This Secret Banking Account

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on
extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration <

https://t.thepennyhoarder.com/aff_c?
offer_id=6369&aff_id=118&aff_sub=25&aff_sub3=money_management_
state_twitter&source=9_money_moves_state_twitter>  gives you up to a
5% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for
free.

Enter your email address here < https://t.thepennyhoarder.com/aff_c?

offer_id=6369&aff_id=118&aff_sub=25&aff_sub3=money_management_
state_twitter&source=9_money_moves_state_twitter> , and link your
bank account to see how much extra cash you can get with your free Aspiration
account. And don’t worry. Your money is FDIC insured and under a military-
grade encryption. That’s nerd talk for “this is totally safe.”

2. Add up to 300 Points to Your Credit Score

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

We say credit score, and your eyes immediately glaze over. Maybe you’re only
vaguely aware of what they even are. Maybe yours is ruined from a few silly
mistakes. Or maybe you’ve got a great credit score, you show-off. 

Either way, it’s an unavoidable truth: These three little numbers rule your life.
They control where you can live, what kind of car you can afford and what kind
of credit card you can get — if any.

Thankfully, a free website called Credit Sesame <

https://t.thepennyhoarder.com/aff_c?
offer_id=6564&aff_id=118&aff_sub=25&aff_sub3=money_management_
state_twitter&source=9_money_moves_state_twitter> will take a look at
your credit report and let you know exactly what you need to do to improve your
score.

Take, for example, James Cooper. He didn’t know anything about credit, but
Credit Sesame showed him the exact steps he needed to take to improve his
score — from a 524 to 801.

Want Credit Sesame to show you exactly how to finally get your score over that
800 hump? It takes 90 seconds to sign up and get started <
https://t.thepennyhoarder.com/aff_c?
offer_id=6564&aff_id=118&aff_sub=25&aff_sub3=money_management_
state_twitter&source=9_money_moves_state_twitter> .

3. Invest Like a Tycoon (Even if You’re Not Rich)

Take a look at the Forbes Richest People list, and you’ll notice almost all the
billionaires have one thing in common — they own another company. 

But if you work for a living and don’t happen to have millions of dollars lying
around, that can sound totally out of reach.

That’s why a lot of people use the app Stash <

https://t.thepennyhoarder.com/aff_ad?
&campaign_id=122&aff_id=118&aff_sub=25&aff_sub3=money_managem
ent_state_twitter&source=9_money_moves_state_twitter> . It lets you

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

be a part of something that’s normally exclusive to the richest of the rich —

buying pieces of other companies for as little as $1.

That’s right — you can invest in pieces of well-known companies, such as

Amazon, Google or Apple, for as little as $1.

The best part? When these companies profit, so can you. Some companies even
send you a check every quarter for your share of the profits, called dividends. 

Download the Stash app here < https://t.thepennyhoarder.com/aff_ad?

&campaign_id=122&aff_id=118&aff_sub=25&aff_sub3=money_managem
ent_state_twitter&source=9_money_moves_state_twitter> and they will
give you a $5 sign-up bonus once you deposit $5 into your account. 

4. Ask This Website to Help Pay Your Credit Card Bill This Month

No, like… the whole bill. All of it.

While you’re stressing out over your debt, your credit card company is getting
rich off those insane interest rates. But a website called Fiona <
http://t.thepennyhoarder.com/aff_c?
offer_id=6513&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter> could help you pay
off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to
pay off every credit card balance you have. The benefit? You’re left with just one
bill to pay every month, and because the interest rate is so much lower, you can
get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no
collateral needed) with fixed rates starting at 2.49%.Fiona won’t make you stand
in line or call a bank. And if you’re worried you won’t qualify, it’s free to check
online < http://t.thepennyhoarder.com/aff_c?
offer_id=6513&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter> . It takes just two
minutes, and it could save you thousands of dollars. Totally worth it.

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

All that credit card debt — and the anxiety that comes with it — could be gone
by tomorrow.

5. Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance
companies? 

Its true — rates are at historic lows, and you could be paying way less for the
same coverage. All you need to do is look for it. 

But don’t waste your time hopping around to different insurance companies. Use
a website called EverQuote < http://t.thepennyhoarder.com/aff_c?
offer_id=6554&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter> to see all your
options at once. 

EverQuote is the largest online marketplace for insurance in the US, so you’ll get
the top options from more than 175 different carriers handed right to you. 

Take a couple of minutes to answer some questions <

http://t.thepennyhoarder.com/aff_c?
offer_id=6554&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter> about yourself and
your driving record. With this information, EverQuote will be able to give you
the top recommendations for car insurance. In just a few minutes, you could save
up to $610 a year.

6. Spend $10 to Buy an Apartment Building

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.

A company called Fundrise < http://t.thepennyhoarder.com/aff_c?

offer_id=5370&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter> lets you get started

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

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. Fundrise
does all the heavy lifting.

Fundrise’s Starter Portfolio has a minimum of only $10 and is geared toward first-
time real estate investors. Your money will be invested in the company’s Flagship
Fund, which already owns more than $250 million worth of real estate around the
country, from apartment complexes to the red-hot housing rental market to
larger last-mile e-commerce logistics centers.

As tenants pay their rent, you could earn money through quarterly dividend
payments, and over time, you could earn money off the potential appreciation of
the property. Since 2014, Fundrise investors have earned roughly $100 million in
dividends alone.

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 Fundrise. <
http://t.thepennyhoarder.com/aff_c?
offer_id=5370&aff_id=118&aff_sub=25&aff_sub3=money_management_s
tate_twitter&source=9_money_moves_state_twitter>

7. This App Pays You up to $83 Every Time You Win a Game of
Solitaire

Lots of us already play Solitaire on our phones for fun or just to pass the time.
Want to see if you can win money at it?

There’s a free app called Solitaire Cash <

https://t.thepennyhoarder.com/aff_ad?
campaign_id=279&aff_id=118&aff_sub=25&aff_sub3=money_manageme
nt_state_twitter&source=9_money_moves_state_twitter>  that pays you
up to $83 every time you win a game.

You might be thinking: There’s got to be a catch. This is definitely one of those
spammy apps, right?

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12/23/21, 1:07 PM 7 Money Moves Every Californian Needs to Make This Week – The Penny Hoarder

Wrong. There really isn’t a catch. And, in fact, there aren’t even any annoying
ads.

With each game, you’ll battle it out against at least five other players. Everyone
gets the same deck, so winning is totally a matter of skill. The top three players
who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000
ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app <

https://t.thepennyhoarder.com/aff_ad?
campaign_id=279&aff_id=118&aff_sub=25&aff_sub3=money_manageme
nt_state_twitter&source=9_money_moves_state_twitter>  and start
playing your first game immediately.

*This material is not intended as investment advice and is not meant to suggest that any
securities are suitable investments for any particular investor. Investment advice is only
provided to Stash customers.

**You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in
your account, plus fees for various ancillary services charged by Stash and the custodian.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View
important disclosures < https://www.stash.com/start-investing/tph2020> .
Investment advisory services offered by Stash Investments LLC, an SEC registered
investment adviser. This material has been distributed for informational and educational
purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing
involves risk.

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