4 Things I Wish I Knew About Saving Money

1. New Jersey Drivers: It’s time to ditch your insurance company.

Since 2023 – car insurance is up $625 per year on average¹. You don’t have to be loyal to an insurance company that keeps hiking your rates – even without accidents. 

Your insurance company is counting on you to do nothing. 

Everyone knows if you want the best price you need to shop around. So we created a list of insurance companies that want to “win” your business. (READ: They’ll charge you LESS!)

Step 1: Click the link below and enter your zip code. 
Step 2: Answer some simple questions about your current insurance. 
Step 3: We’ll show you a list of companies that want to win your business.

Switch car insurance now and save!

2. Debt relief services actually work (if you pick the right one). 

Freedom Financial Network has been helping people get back on track since 2002—and they’ve already resolved over $20 billion in debt.

Here’s how it works:

• Start with a fast, free online evaluation (no obligation, no upfront fees).
• Get a personalized debt plan built around your situation.
• Work with certified debt consultants who are available every step of the way.
• Enjoy lower monthly payments you can actually afford.

With an A+ BBB rating and 24/7 customer support, Freedom Financial has built its reputation on helping people overcome debt with confidence.

Use this link to get a certified debt consultant to make you a plan, for free.

3. Stop letting your bank pay you 🥜. Get a $300 Cash Bonus².

If your bank is paying you less than 4.5% APY¹ – you’re getting ripped off. 

Earn up to $300 Cash Bonus² & up to 4.50% APY⁸ on Savings Balances

• Limited Time Offer: New Savings Accounts Earn a 0.70% APY Boost to 4.50% for Up to 6 Months with Eligible Direct Deposit⁸
• Earn 0.50% APY¹ on Checking Balances
• $0 Monthly Fees⁴ & Free Overdraft Coverage⁵
• 2-day-Early-Paycheck⁶
• FDIC Insured up to $250k plus up to $3M in Supplemental Insurance⁷
• +0.70% Boost on Savings APY to up to 4.50% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.⁸

Stop what you are doing and move your money to SoFi. It takes 5-minutes and you’re done – no more work needed. The more you can move, the faster your money will grow. 

Move your money. Make more money.

4. High Interest Rates: The silent budget killer. 

So you’ve made a mistake…or two – who hasn’t? It’s gotta be obvious by now – Credit card companies don’t want you to pay off your debt – especially with 25% interest rates. 

You can consolidate it and lower your monthly payments. Get your budget back on track and have this fixed in 24-hours. 

With an average rating of 4.8 on Trust Pilot and over 11,000 reviews – you’re not the first (or last) person they’ll help get out from under credit card debt. 

Consolidate now and lower your bills.

5. Stop wasting money when you shop online!

Sure—shopping online is easy. But let’s be real: finding the best deal takes forever. You’re stuck chasing coupon codes that never work and flipping through way too many tabs comparing prices.

That’s where Capital One Shopping comes in.

Add the free browser extension, and it does the hard work for you:

At checkout, it automatically searches the web for real coupon codes that actually save you money.

Shopping at one of 25+ major retailers? If the same item is cheaper somewhere else, you’ll get a quick pop-up letting you know before you pay too much.

It’s totally free, and it makes saving money effortless.

👉 Add Capital One Shopping today and stop overpaying online.

6. A small loan doesn’t need to break the bank. 

Let’s face it—life throws curveballs. A dentist appointment, car trouble, or even stacking bills can turn “just another day” into something overwhelming. That’s when a helping hand from the right lender can take a serious weight off your shoulders.

First Premier Lending might be the help you need—but done right:

• Borrow anywhere from $100 to $20,000, based on what fits your situation.
• Flexible payments tailored to your budget and life.
• Funds fast—often in your account by the next business day if approved. 
• Accepts all credit types, so past mistakes don’t block your path forward.

Here’s what else sets them apart:

• As a member of the Online Lenders Alliance (OLA), they follow a code of fairness and transparency—not just the letter of the law, but the spirit of it.

Borrowing isn’t about blame—it’s about clarity. You should know:

• What you owe
• When you pay
• Who you’re dealing with

Check out the rates on short term loans here.

7. Turn your home into cash – without selling it.  

You’ve spent years building equity in your home. A reverse mortgage can help you tap into that value—without selling or taking on extra monthly payments.

Think of it as turning your house into a source of financial flexibility. Whether it’s covering everyday expenses, paying off bills, or just having a cushion for peace of mind, a reverse mortgage can take the pressure off.

But here’s the thing: it’s not one-size-fits-all. That’s why I like LoanBridge’s calculator—so you can see exactly how much you might qualify for, based on your home’s value and your age.

👉 Check out the free reverse mortgage calculator today and find out what’s possible.

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SoFi’s Disclaimers:

¹ APY Disclosures: SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.

² Up to $300 Bonus Tiered Disclosure: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit.
If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

³ Fee Policy: We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however, the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.

⁴ ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at their discretion at any time.

⁵ Overdraft Coverage: Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

⁶ Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date but may vary.

⁷ Additional FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

⁸ 0.70% Savings APY Boost: Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.