So you thought 2020 was bad? Waiting!
OK, we’re kidding. Obviously, 2021 should turn out a lot better than 2020, right?
There’s no way it’s worse, right?
Well … we hate to sound pessimistic, but if there’s one thing life has taught us, it’s that things can always get worse.
Perhaps the sequel to COVID will appear. Perhaps the economy will collapse again. Perhaps our strange politics will get even weirder. Maybe aliens land in Times Square.
Just in case, we have some proactive steps you should take to protect your bank account in case things go wrong. Before the next crisis starts, let’s start with the protective measures:
1. Save an emergency fund
The past year has taught us the hard way that everyone should have an emergency fund. You need a place where you can safely store your savings, but still make money from it.
Under your mattress or in a safe you will get nothing. And a typical savings account won’t do you much better. (Ahem, 0.06% is nothing these days).
But a debit card called Aspiration allows you to earn up to 5% cash back and up to 16 times the average interest on the money in your account.
It’s not bad at all!
Enter your email address here for a free Aspiration Spend and Save account. After confirming your email, securely link your bank account so they can start helping you earn extra money. Their money is FDIC insured and they use military grade encryption which is nerd language because “this is totally safe.”
2. Stop overpaying for things
Your bank account will be in better shape in 2021 if you stop overpaying for things. For example, wouldn’t it be nice to get an alert every time you’re shopping at Walmart and you’re about to get scammed?
That’s exactly what a free service called Capital One Shopping does. (You don’t need to be a Capital One customer to use it!)
Free Capital One Shopping alerts can be added to your browser. Before paying, you will check other websites including Amazon, Target, eBay, and others to see if your item is available cheaper. It will also show you coupon codes, set price drop alerts, and even let you view the item’s price history.
Let’s say you are buying a new television. You are ready to pay and assume you are getting the best price. This is when Capital One Shopping will appear and inform you if you are about to overpay. It will even automatically apply any known coupon codes to your order.
So far, Capital One Shopping has saved users more than $ 70 million.
You can get started with Capital One Shopping in just a few minutes to see if you’re overpaying online.
3. Get paid every time you buy toilet paper
Shopping was never exactly pleasant. But these days, it’s a straightforward fight. Fight against crowds; Maintain two meters of space: Buying toilet paper is a feat. Shouldn’t you have something to show?
A free app called Fetch Rewards will reward you with gift cards just for buying toilet paper and over 250 other items at the grocery store.
Here’s how it works: After downloading the app, simply take a photo of your receipt showing that you purchased an item from one of the brands listed on Fetch. For your efforts, you will get gift cards to places like Amazon or Walmart.
You can download the free Fetch Rewards app here to start earning free gift cards. Over a million people have already done it, so they must be on to something …
4. Get $ 489 / year from your auto insurance in minutes
Auto insurance is another thing you shouldn’t overpay for in 2021. When was the last time you checked auto insurance prices?
You should buy your options every six months or so, as it could save you a lot of money. However, let’s face it. It’s probably not the first thing you think of when you wake up. But it does not have to be like that.
A website called Insure.com makes it easy to compare auto insurance prices. All you have to do is enter your zip code and age, and it will show you your options.
With Insure.com, people have saved an average of $ 489 a year.
Yes. That could be $ 500 back in your pocket just for taking a few minutes to look at your options.
5. Stop paying your credit card company
If things go wrong financially, the last thing you want to carry is credit card debt. And the truth is, your credit card company doesn’t really care. You are simply getting rich by scamming it with high interest rates. But a website called AmOne wants to help.
If you owe your credit card companies $ 50,000 or less, AmOne will match you with a low-interest loan that you can use to pay off each of your balances.
The benefit? You will have an invoice to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you will get out of debt. what Too much faster. Also: you don’t pay by credit card this month.
AmOne keeps your information confidential and secure, which is why, after 20 years in business, it still has an A + rating from the Better Business Bureau.
It takes two minutes to see if you qualify for up to $ 50,000 online. You need to give AmOne a real phone number to qualify, but don’t worry, they won’t spam you with phone calls.
6. Reduce your food budget by planning ahead
Even if you are in gainful employment and not in imminent danger of being evicted, you are probably struggling with bills like most of us. Groceries are a big part of everyone’s budget these days, so they’re a great savings target.
Try preparing for next week with a little meal planning. This goes beyond just making a shopping list. Actual meal planning helps you save money by helping you use what you buy, avoiding wasted food and money. It also prevents you from spending extra money on emergency lunches or late-night takeouts.
First, find out how many meals you are responsible for preparing each week. If it’s just you, your answer might be 21: seven breakfasts, lunches, and dinners. If you have a family, count meals per person – a dinner for three counts as three dinners, even if everyone eats the same thing.
Now find out how much food you will need to buy to get to your next shopping trip. If you buy the same items repeatedly, you’ll know which ones to stock up on when they go on sale. Stocking up on sale items also helps you freeze meals for the future. If there is a way to buy in bulk and prepare the foods you eat most often, go for it!
7. Add $ 225 to your wallet just for watching the news
It’s been a historic time for news, and we’re all constantly updating for the latest updates. You probably know more than one news junkie who imagines himself to be a respiratory disease expert or political mastermind.
And research companies want to pay you to keep looking. You can add up to $ 225 a month to your pocket by signing up for a free account with InboxDollars. They will present you with short news clips to choose from each day and then ask you a few questions about them.
You just have to answer honestly, and InboxDollars will continue to pay you every month. This may sound too good to be true, but it has already paid its users more than $ 56 million.
It takes about a minute to sign up and start charging to watch the news.
Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He’s got his game face on and he’s ready for 2021, come hell or high tide.