Not all of us are born to be organizational wizards, but if you want to get ahead with your money, you’ve got to get it under your control. It’s the only way you’ll get any of the big stuff done, such as paying off debt, taking a real vacation, buying a house or saving for retirement.
We get it, though. Not all of us keep everything neatly filed, color-coded, alphabetized and prioritized. And you don’t have to be.
Here are seven things teachers can do — in seven days — to get your finances under control:
Day 1: Boost Your Bank Account By Playing Bingo
Lots of us already play games 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 iPhone app called Bingo Cash that pays you up to $83 every time you win bingo.
You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?
Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.
The game is based on a classic Bingo format — plus tons of variations on the game. You’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls, so winning is totally a matter of skill. The top three players in a game can win real money — anywhere from $1 to $83.
Over on the App Store, it has a 4.7-star rating (out of 5).To get started, just download the free app and start playing your first game immediately.
Day 2: Invest in Famous Art (Even if You’re Not a Millionaire)
Here’s the deal: If you’re not investing in contemporary art, you might be missing out on an asset whose prices have historically outpaced the S&P by 164% from 1995 – 2020. (FYI, the S&P tracks 500 of the largest companies in the stock market)
You’re probably thinking you need at least a few more zeros in your checking account before you can even start thinking about that, right?
But a company called Masterworks lets normal people like us invest in multimillion-dollar works of art — something normally only available to the super rich.
But you don’t need hundreds of thousands of dollars to buy a masterpiece outright; with Masterworks, you can invest in multimillion dollar paintings.
It takes less than a minute to sign up for a free account.
Investing in contemporary art is a long-term strategy, so patience pays off here — literally. But once your piece of art sells, you get your share of the potential profits.
Day 3: Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote 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 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.
Day 4: 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.
Yep. By signing up for a free debit card called Aspiration you could get up to a 10% back every time you swipe, plus they give you up to 100x the normal interest rate on your balance.
Need to buy groceries? Get 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 , 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.
Day 5: Let This App Pay You up to $83 When You Win Solitaire Games
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 iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.
You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?
Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. 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.
To get started, just download the free app and start playing your first game immediately.
Day 6: Get Paid $2,700 to Watch Videos on Your Phone
We’ve all been there. You sit down at the end of the day to unwind on your phone, and suddenly it’s two hours later and you’re in the weird part of YouTube again. How did I even get here?
But you don’t need to feel guilty about it anymore. Research companies will actually pay you to go down these video rabbit holes.
You could add up to $2,700 a year to your pocket by signing up for a free account with InboxDollars. They’ll present you with short video clips to choose from every day, then ask you a few questions about them.
You just have to answer honestly, and InboxDollars will continue to pay you every month. This might sound too good to be true, but it’s already paid its users more than $60 million.
It takes about one minute to sign up and start getting paid for your nightly zone-out.
Day 7: Ask This Website to Pay Your Credit Card Bills 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 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.
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 . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
*See important Regulation A disclosures at masterworks.io/cd
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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