So you are finally vaccinated against COVID. Congratulations! It feels good, right?
Now that you are vaxxed, you can start thinking about going back to something like a normal life. You know what it was like back in time, before you’ve ever heard the cursed word “coronavirus”.
But before you do that, also remember to vaccinate yourself against bad financial decisions. You cut a lot of unnecessary expenses in the past year. Now is not the time to get sloppy and go back to your old spending habits.
For now, put the mask back in your wallet and consider the following six tips to help you maintain your financial health:
1. Don’t pay too much for online purchases
The pandemic has moved more of our online shopping, and that could be permanent to some extent.
Wouldn’t it be nice if you received a notification while shopping online and were about to overpay? That’s what it is free service does.
Just add it to your browser for free. Before you check out, other sites including Walmart, eBay, and others will be checked to see if your item is available for a cheaper price. Plus, you can get coupon codes, set up price drop notifications, and even view the item’s price history.
Let’s say you buy a new TV and assume you’ve found the best price. Here you will get a pop-up window letting you know if this particular TV is available elsewhere for a cheaper price. If coupon codes are available, they will be automatically applied to your order.
Last year it saved people $ 160 million.
You can get started with just a few clicks Check if you are overpaying online.
2. Stop wasting $ 489 a year on auto insurance
Because our financial margins were so tight during the pandemic year, many of us took steps to cut our monthly bills.
When was the last time you checked car insurance prices?
You should shop for your options roughly every six months – this could save you serious money. But let’s be real. It probably isn’t the first thing you think about when you wake up. But it doesn’t have to be.
A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your zip code and age. This will show you your options and even discounts in your region.
Insure.com saved an average of $ 540 per year.
Yup. That could be $ 500 back in your pocket for just a few minutes Take a look at your options.
3. Get paid every time you buy groceries
It’s a little easier to go to the grocery store these days. It makes us less paranoid now.
Still, groceries make up a good part of your budget. You can also get some cash back while your groceries are being packed.
A free app called Get rewards You will be rewarded with gift cards, which are only used to purchase essentials like toilet paper and 250+ other items in the grocery store.
Here’s how it works: after you’ve downloaded the app, simply snap a photo of your receipt showing that you purchased an item from one of the brands listed on Fetch. For your efforts, you will receive gift cards for places like Amazon or Walmart.
You can Download the free Fetch Rewards app here to get free gift cards.
Over a million people already have, so they have to be into something.
4. Stop paying your credit card company
Credit card debt is the most expensive type of debt you can have, and your credit card company gets rich just by ripping you off with high interest rates. But a website called AmOne can help you fight back.
If you owe your credit card company $ 50,000 or less, AmOne compares you to a low-interest loan that can be used to pay back every single one of your balances.
The advantage? You have to pay an invoice every month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you will no longer have any debt The much faster. Plus: No credit card payments this month.
It takes two minutes to See if you qualify online for up to $ 50,000. You need to give AmOne a real phone number to qualify, but don’t worry – they won’t spam you with phone calls.
5. Always have an emergency fund
Last year taught us the hard way that everyone should have an emergency fund. You never know when you might lose your job or face some other disaster.
You need a place where you can safely store your savings and still make money from them. You won’t get anything under your mattress or in a safe. And a typical savings account doesn’t make you much better. (Um, 0.06% is nothing these days.)
But a debit card is called aspiration This allows you to earn up to 5% cashback and up to 16 times the average interest on the money in your account.
Not too shabby!
Enter your email address here to get a free Aspiration Spend and Save account. After you’ve verified your email address, securely link your bank account so you can get extra cash. Their money is FDIC insured and they use military grade encryption which is nerd-talk for “this is perfectly safe”.
6. Make sure you have life insurance; Prices start at $ 5 / month
There was strong interest in life insurance during the pandemic as more Americans realized they likely need it. Overall, Americans bought about 10% more life insurance in 2020 than in 2019 – the biggest increase in nearly two decades.
Have you thought about how your family would do without your income after your death? How are they going to pay the bills? Send children through school?
For many people, social distancing mandates and fear of infection have prevented them from seeing the doctor for a personal exam. This results in more people taking out life insurance without an exam like that offered by a company called To lend.
It can take minutes to apply, and prices start at just $ 16 per month. Knowing that your family is being cared for is invaluable.
If you’re younger than 54 and want a quick quote on life insurance without going through a medical exam or even getting off the couch, Get a free quote from Bestow.
Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He’s upset.
This article originally appeared on www.thepennyhoarder.com