I’m all about finding smart ways to grow and save money, and I’ve spent countless hours diving into the best tools out there. Not everything works, but I’ve discovered some real gems that can seriously boost your financial game. Whether it’s learning new skills, building credit, or earning rewards, these resources are surprisingly easy to use and can make a big impact. Ready to level up your financial future? Let’s get started!
1. Wasting Time on Unproductive Habits Instead of Earning with Survey Junkie
Many people miss out on easy ways to earn extra money during their free time. Survey Junkie offers a simple and effective way to turn your time into cash by sharing your opinions through online surveys. With millions of dollars paid out to members, it’s a proven way to boost your monthly income.
- Earn over $100 monthly – By completing just three surveys a day, you can earn as much as $100 per month, and completing four or more can increase your earnings to $130.
- Millions paid out to date – Survey Junkie members collectively earn over $55,000 daily and have received $76 million in payouts to date.
- 20 million members strong – Join a growing community of over 20 million lifetime members who have discovered the benefits of earning extra cash through surveys.
With an impressive $1.6 million+ paid out each month, Survey Junkie is the perfect way to make productive use of your spare time. Ready to start earning? Sign up with Survey Junkie today and turn your opinions into real money!
2. Not Investing in Real Estate (Starting at Just $20)
It’s no secret that the wealthy love investing in real estate, but for most of us, owning property has been out of reach—until now.
With innovative platforms like Ark7, you can invest in rental properties for as little as $20 per share.
- Hassle-free management – Ark7 handles everything from property management to rent collection for you.
- Award-winning app – Enjoy a smooth user experience, making your investments easier and more efficient.
- Monthly profits deposited – Your share of the rental income is automatically deposited into your account each month.
It’s a simple way to start building your own rental property portfolio without needing a magnate’s budget. Interested? Check out Ark7’s properties and start investing today.
3. Suffering From Wine Sensitivities Instead of Using The Wand by PureWine
If you’ve ever had to avoid wine due to headaches, congestion, or other sensitivities, you’re not alone. The Wand by PureWine offers a simple and effective way to enjoy your favorite wine without the unpleasant side effects.
- Remove wine allergens – The Wand filters out histamines and sulfites, the common culprits behind wine sensitivities, without altering the taste or aroma.
- Convenient and portable – Small enough to fit in your pocket or purse, The Wand lets you enjoy wine wherever you go, whether at home or out with friends.
- Works with all wines – Red, white, rosé, or sparkling—The Wand is effective with any type of wine.
- No wasted wine – Preserve the full flavor of your bottle without worrying about sensitivities ruining your experience.
Join thousands of wine lovers who have rediscovered their favorite drinks with The Wand. Ready to sip without worry? Try The Wand by PureWine today and enjoy wine like never before!
4. Missing Out on Financial Flexibility Instead of Using MoneyLion’s Instacash
Unexpected expenses can disrupt your financial plans, but MoneyLion’s Instacash offers a convenient solution by providing interest-free cash advances up to $500, helping you manage your finances without stress.
- Access up to $500 instantly – Instacash allows you to tap into your paycheck before payday, giving you immediate funds when you need them most.
- No interest or credit checks – Enjoy peace of mind with no interest charges, credit checks, or mandatory fees, making it a hassle-free option for quick cash.
- Flexible repayment options – Repayments are automated and align with your pay cycle, ensuring a seamless experience without added stress.
With Instacash, you can handle unexpected expenses effortlessly. Ready to take control of your financial flexibility? Download the MoneyLion app today and access Instacash to manage your finances with confidence.
5. Overspending Without a Plan Instead of Growing Your Savings with Acorns
Managing finances and building savings can feel overwhelming, but Acorns makes it simple and automated. By rounding up your purchases and investing the spare change, Acorns helps you grow your savings effortlessly.
- Round-ups made simple – Acorns automatically rounds up your everyday purchases and invests the spare change, helping you save without even noticing.
- Smart investment options – Choose from diversified portfolios tailored to your financial goals and risk tolerance, making it easy to start investing.
- Set recurring contributions – Boost your savings by setting daily, weekly, or monthly contributions, ensuring consistent growth over time.
- Educational insights – Acorns provides financial tips and tools to empower you to make smarter decisions about your money.
With over 10 million members, Acorns has helped users take small steps toward big financial growth. Ready to grow your savings effortlessly? Try Acorns today and take the first step toward a brighter financial future! Sign up here.
6. Paying Too Much for Repairs Instead of Protecting Your Home with Choice Home Warranty
Unexpected home repairs can be a major financial burden, but Choice Home Warranty provides an affordable and convenient way to protect your budget and your peace of mind. With coverage for a wide range of appliances and systems, it’s a smart solution for homeowners.
- Comprehensive home protection – Cover essential appliances and systems like HVAC, plumbing, electrical, and more, ensuring you’re protected from expensive repairs.
- Affordable plans – Choice Home Warranty offers customizable plans at competitive rates, so you can find the perfect coverage for your home and budget.
- 24/7 claims service – Submit claims anytime, and their professional network of technicians will handle repairs quickly and efficiently.
- Nationwide coverage – With a trusted network of service professionals across the U.S., you’re covered no matter where you live.
Don’t let unexpected repairs drain your finances. Join thousands of homeowners who trust Choice Home Warranty to safeguard their homes. Get a free quote today and see how affordable peace of mind can be!
7. Wasting Money on Ineffective Laundry Products Instead of Switching to Miracle Detergent
Are you tired of overspending on bulky laundry detergents that don’t deliver the results you need? Miracle Detergent offers a revolutionary solution that’s effective, eco-friendly, and cost-efficient, helping you save money and space.
- Powerful cleaning results – Miracle Detergent’s innovative formula removes tough stains and odors, leaving your clothes fresh and clean every time.
- Eco-friendly and space-saving – Unlike traditional detergents, Miracle comes in lightweight, eco-friendly sheets that eliminate waste and save storage space.
- Affordable and long-lasting – A single pack of Miracle Detergent lasts longer, helping you reduce costs while maintaining quality.
- Safe for all fabrics – Designed for both standard and HE washing machines, Miracle Detergent is gentle on clothes yet tough on dirt.
Join thousands of satisfied customers who have made the switch to a smarter, more sustainable laundry solution. Ready to transform your laundry routine? Try Miracle Detergent today and experience the difference!
8. Neglecting Screen Care and Overspending on Ineffective Solutions
Keeping your screens clean can be frustrating when sprays and wipes don’t do the job. Peeps provides an innovative solution that keeps your glasses, phones, and laptop screens crystal clear, saving you money on ineffective cleaning products.
- Effective and streak-free – CarbonKlean’s advanced cleaning technology removes smudges, fingerprints, and dust without leaving streaks or scratches.
- Compact and portable – Small enough to fit in your pocket or bag, CarbonKlean is perfect for on-the-go cleaning.
- Safe for all screens – Whether it’s eyeglasses, smartphones, tablets, or laptops, CarbonKlean cleans screens without causing damage.
- Long-lasting durability – Each CarbonKlean device provides hundreds of uses, making it a budget-friendly solution for screen care.
Stop overspending on ineffective cleaners and start using a smarter solution. Try Peeps today and keep your screens spotless!
9. Neglecting Lung Health While Overspending on Ineffective Solutions
Breathing issues can make everyday life challenging, and many spend money on ineffective treatments that provide little relief. AirPhysio offers a natural, drug-free solution designed to improve lung health and help you breathe easier.
- Clears airways naturally – AirPhysio uses Oscillating Positive Expiratory Pressure (OPEP) technology to remove mucus and improve airflow without medication.
- Effective for various conditions – Whether you suffer from asthma, COPD, or other respiratory issues, AirPhysio is designed to enhance your lung capacity and breathing quality.
- Easy to use and portable – Compact and lightweight, AirPhysio fits in your pocket, making it convenient for use at home or on the go.
- Drug-free and proven results – Thousands of users have reported noticeable improvements in their breathing, making it a cost-effective alternative to expensive treatments.
Stop spending on ineffective solutions and start breathing better with AirPhysio. Try it today and experience the difference for yourself!
10. Wasting Money on Expensive Banking Fees Instead of Managing Your Business Finances with Found
Small business owners often waste money on unnecessary banking fees and complicated financial tools. Found offers a better solution—combining business banking with powerful financial tools to help you manage your business more efficiently, all without the hidden costs.
- No hidden fees – Say goodbye to required monthly fees, overdraft fees, and minimum balances with Found’s transparent banking system.
- Business banking made simple – Found’s all-in-one platform includes invoicing, expense tracking, and automatic tax calculation, streamlining your financial management.
- Tax prep and deductions – Effortlessly track your expenses and maximize your tax deductions, ensuring that you have an up-to-date estimate when tax season arrives.
- Designed for small business owners – Whether you’re a freelancer, contractor, or entrepreneur, Found makes managing your business finances easy and affordable.
Stop wasting money on costly banking fees—switch to Found and simplify your business finances. Ready to manage your money smarter? Sign up with Found today and take control of your business finances!
11. Wasting Money on Uninformed Stock Market Decisions
Many investors lose money in the stock market because they rely on guesswork rather than informed decisions. Stock Market Guides offers an alert-based system that simplifies investing by delivering real-time stock and options alerts, allowing users to make better, data-driven decisions.
- Real-time alerts – Get buy and sell alerts based on historical data, designed to help you make smarter trading choices for both stocks and options.
- Expert insights – Simplify your decision-making process with data-backed analysis that helps avoid common investment mistakes and maximize returns.
- Tools for success – Stock Market Guides includes powerful tools like the stop-loss and take-profit calculator, ensuring that you can plan and manage risks effectively.
Stop wasting money on uninformed investments and take control of your financial future. Ready to start investing with confidence? Explore Stock Market Guides today and turn your financial goals into reality!
12. Relying on Expensive Payday Loans Instead of Borrowing Smarter with Possible Finance
Many people turn to costly payday loans when they need quick cash, but Possible Finance offers a better alternative. With flexible loans up to $500 or a credit limit up to $800, even those with bad credit can borrow smarter without falling into the payday loan trap.
- Borrow up to $500 – Access quick cash or up to an $800 credit limit with flexible repayment options, regardless of your credit history.
- Apply in minutes – Apply easily with no hidden fees, and pay back in installments designed to fit your budget.
- No late fee, no interest – Avoid payday loan fees and high interest rates with Possible Finance’s fair and transparent lending options.
- Build credit while borrowing – Repay on time, and your history will be reported to credit bureaus, helping you improve your credit score.
Don’t waste money on payday loans—borrow smarter with Possible Finance. Ready to take control of your finances? Apply today and get the funds you need quickly and easily! (Service availability may vary by state.)
13. Wasting Money on High-Interest Loans Instead of Building Credit with Kovo
Too many people miss out on building better credit and end up paying higher interest rates on loans. With Kovo, you can improve your credit score easily and affordably, without the hassle of hidden fees or credit checks.
- Simple monthly payments – Build your credit with just $10/month over 24 months, all reported to TransUnion®, Equifax®, Experian®, and Innovis®.
- Instant approval – Get started quickly with no credit check, helping you build credit right away.
- Earn rewards – Earn up to 1% back on eligible loans and get up to $1,225 in rewards, giving you 5x more value than the cost of Kovo.
- Track your progress – Get your FICO® Score and watch your credit score improve every month.
Stop missing out on opportunities to build your credit. Take control of your financial future with Kovo. Give yourself the gift of better credit—sign up today!
14. Overspending Due to Lack of Budgeting Instead of Using PocketGuard
Many people struggle with overspending simply because they don’t have a clear grasp of their financial picture. PocketGuard simplifies this by providing an easy-to-use budgeting app that automatically tracks your income, bills, and savings goals—all in one place, ensuring you always know where your money goes.
- Automatic expense tracking – PocketGuard categorizes your transactions in real-time. It tracks everything from income to bills, showing you a detailed breakdown of where your money goes each month.
- Set savings goals – Whether you’re saving for a vacation, an emergency fund, or just trying to pay off debt, PocketGuard makes it easy to set savings goals and track your progress automatically. It even identifies opportunities to save more by analyzing your spending patterns.
- Stop unnecessary spending – With real-time insights and easy-to-read data, PocketGuard helps you spot areas where you’re overspending and cut back. You’ll gain control of your money and find ways to make your budget work for you.
- Keep your money and data safe – PocketGuard securely connects to your bank accounts using 256-bit SSL encryption, the same high-level security used by major banks, ensuring that your personal and financial information remains protected at all times.
With over 1 million members, PocketGuard has helped users lower $40 million+ in bills and save $900 million+ toward financial goals. Ready to manage your money smarter? Try PocketGuard with a 30-day free trial and take control of your budget today!
15. Ignoring Data-Driven Decisions In Investing
Many experienced investors already have in-house tools to track the stock market, but MarketXLS takes productivity to the next level by saving time and eliminating the need for manual data entry. With MarketXLS, you can track stocks, options, ETFs, and coins—all in one place, helping you streamline your workflow and focus on smarter decision-making.
- You can have it all – Track over 13,574+ stocks, 3,119+ ETFs, options, and coins with real-time data to stay on top of market trends.
- Seamless Excel integration – Manage your portfolio directly in Excel, using familiar tools while boosting productivity by leveraging real-time data and customizable formulas.
- Stop manual data entry – With over 50 templates and analysis features, MarketXLS helps you create personalized strategies, eliminating repetitive tasks and saving you hours of manual work.
Stop wasting money on uninformed investments and start making smarter decisions with MarketXLS. Ready to take control of your portfolio? Explore MarketXLS today with a 7-day free trial and begin making smarter, more informed investment choices!
16. Ignoring Commercial Investments Instead of Growing Your Wealth with EquityMultiple
Many investors overlook commercial real estate, assuming it requires substantial capital. But EquityMultiple allows investors to access high-return commercial real estate projects with a minimum investment of $5,000. It offers a streamlined, professionally managed approach to help diversify portfolios and tap into real estate’s growth potential.
- Invest with just $5,000 – Get started in commercial real estate with a lower entry point, making it easier to diversify your portfolio.
- High potential returns – Earn higher returns by investing in carefully vetted real estate projects that offer long-term growth potential.
- Diversify your portfolio – Gain access to a range of real estate investments, from equity to debt and preferred investments, to help minimize risk.
Stop missing out on high-return opportunities in commercial real estate—invest smarter with EquityMultiple. Ready to grow your wealth? Explore EquityMultiple today and start building your real estate portfolio!
17. Missing Out on Diversifying into a 200-400 Real Estate Loan Portfolio
Many people waste opportunities by not investing in diversified real estate portfolios. Groundfloor’s Flywheel makes it easy to grow your wealth with real estate-backed loans, offering steady returns without the hassle of property ownership.
- Invest with $100 – Gain access to a diversified portfolio of short-term real estate loans, giving you a low-risk entry into real estate investing.
- Predictable returns – Earn steady income from real estate debt with an average loan term of 36 months.
- Hands-off investing – No need to manage properties; Flywheel offers a fully managed investment solution.
Stop missing out on potential returns—start earning with Groundfloor’s Flywheel Portfolio today!
18. Neglecting Estate Planning Instead of Protecting Your Legacy with Trust & Will
Most of us tend to delay estate planning, which can lead to complications for our loved ones. With Trust & Will, creating a legally binding will or trust is simple and affordable, ensuring your assets are protected.
- Affordable estate planning – Start your will for just $159 or a trust for $599, protecting your assets and your family’s future.
- Simple, guided process – Trust & Will simplifies the process with step-by-step guidance, so you can complete your documents easily.
- Legal documents tailored to you – Customize your will or trust to meet your unique needs and state laws.
Start planning today with Trust & Will to ensure your loved ones are protected and your assets are distributed according to your wishes!
19. Spending Too Much on Home Design Services When You Can DIY
Hiring expensive interior designers isn’t always necessary when platforms like Homestyler let you create your dream home in just 5 minutes—for free. With easy-to-use tools, you can design detailed floor plans and decorate your space with minimal cost and effort.
- Create your dream home in just 5 minutes – No need for technical skills. Homestyler allows you to design your space quickly and easily, saving you time and hassle of communicating with professionals.
- See your space in 3D before making any decisions – Visualize your space and even take virtual walkthroughs to ensure everything looks perfect before making any purchases.
- Free access to furniture and decor library – Browse an extensive catalog of furniture and decor items, making it easier to plan and stick to your budget.
Stop overspending on professional designers. Plus, it’s perfect for those looking to redecorate with furniture, especially when moving into a rental. Ready to take control of your home’s design? Explore Homestyler today!
20. Missing Out on Crypto Rewards
Think investing in crypto is complicated? Think again! With the Gemini Credit Card, you can effortlessly grow your wealth by earning crypto rewards with every purchase—up to 3% back on dining, 2% on groceries, and 1% on all other expenses. This allows you to expand your investment portfolio into cryptocurrencies without any extra effort.
- Instant crypto rewards – Automatically earn Bitcoin, Ether, or over 40 other cryptocurrencies every time you spend.
- Regulatory compliance and security – Gemini offers a fully licensed and secure platform for safe trading.
- Wide range of assets – Trade over 100 popular cryptocurrencies, including Bitcoin, Ether, and Solana.
Ready to start investing in crypto effortlessly? Get started with Gemini today!
21. Not Investing in Yourself Through Online Courses
Investing in yourself is the most impactful choice you can make, and International Open Academy (IOA) is your gateway to unlocking endless possibilities!
- 300+ affordable courses accessible to all – IOA offers engaging, budget-friendly options for personal and professional growth, starting as low as $12.
- Advance your career or explore passions – Whether it’s new skills or career advancement, IOA has something for everyone.
- Learn at your own pace – Study on your own schedule, anywhere, anytime, and take control of your future.
Take control of your future today—explore courses at International Open Academy and start transforming your life.
22. Overpaying for Insurance
Navigating healthcare can be challenging, but Sesame Care makes it affordable and accessible for everyone. With over 2,000 licensed providers across the U.S., Sesame offers a range of services, including virtual visits, in-person appointments, and lab tests, all at up to 60% off typical costs.
- Transparent pricing – See prices upfront, with virtual visits starting as low as $19 and in-person appointments from just $35.
- Comprehensive services – Access a variety of healthcare services, from urgent care and mental health to dermatology and prescriptions.
- Nationwide network – Connect with over 2,000 licensed providers, available in every state for both in-person and virtual care.
- Insurance-friendly – Perfect for those without insurance, Sesame helps users save big with direct payments, no hidden fees, and significant discounts.
Ready to simplify your healthcare journey? Explore Sesame Care today and get the care you need without breaking the bank!
23. Ignoring Fun and Educational Opportunities (While You Spend on Mindless Purchases)
We often spend money on impulse buys that offer no long-term benefit, but what if you could invest in something that’s both fun and educational? The Curiosity Box by Vsauce is designed to spark curiosity and learning with every box. Filled with science-themed puzzles, gadgets, and experiments, it’s a smart way to engage your mind instead of wasting money on forgettable purchases.
- Educational and entertaining – each box is filled with items like physics experiments and brain teasers that fuel curiosity and offer hours of hands-on learning.
- High-quality items – Curated by the experts from Vsauce, one of the most successful science and education YouTube channels founded by Michael Stevens in 2010. With over 26 million subscribers and more than 3 billion views globally, Vsauce is known for its engaging and educational content. Each box reflects this expertise, providing you with well-designed tools and puzzles that challenge your thinking and ignite your passion for learning.
Stop wasting money on things that don’t add value. With Curiosity Box, every dollar you spend helps you grow. Curious? Explore Curiosity Box and make smarter purchases today! Delivered every four months, it’s the perfect way to fuel your curiosity and keep learning all year long.
Disclaimer:
The information contained in this article is for educational and informational purposes only and is not intended as financial or shopping advice. While the author strives to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained in this article for any purpose. Any reliance you place on such information is strictly at your own risk.
Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. Advanced, optional add-on bookkeeping software available with a Found Plus subscription. There are no monthly account maintenance fees, but transactional fees for wires, instant transfers, and ATM apply. Read more here: https://found.com/legal/fee_schedule
