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To help you understand what makes a top-rated car insurance company, itâs important to first find out how much coverage you need. This guide will help you understand what makes a top-rated car insurance company, how much coverage you need and ways to save money when getting a car insurance quote. Donât worry; our top […]
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Nobody is perfect when it comes to their finances â even millionaires slip up sometimes.
So when you start to think youâre worse off than your parents, or your nephew, or your friends, remember that allÂ 20-somethings have made mistakes that can cost them big time.
But if youâre guilty of making some of these blunders, donât fret. You can still redeem yourself! Here are some of the worst blunders you can make, and tips to help dig you out of the hole.
Blunder No. 1: Not Getting Free Gift Cards When You Shop
What do you usually do with your receipts? You check out, they hand you a mile-long piece of paper, and you frantically stuff it to the bottom of a grocery bag. Pretty worthless.
But a free app called Fetch Rewards will turn them into gift cards. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for gift cards to places like Amazon, Walmart, Chipotle and dozens of other retailers.
And itâs perfect for those of us who donât want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers â and you can use it with any grocery receipt.
When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt. Then start snapping photos of your recent receipts to see how many points you can earn without a single trip to the store!
Not so bad for a useless receipt, right?
Blunder No. 2: Not Earning Anything On Your Savings
Youâve probably heard the best way to grow your money is to stick it in a savings account and leave it there for, well, ever. Thatâs bad advice.
But maybe youâre just looking for a place to safely stash it away â but still earn money. Under your mattress or in a safe will get you nothing. And a typical savings account wonât do you much better. (Ahem, 0.05% is nothing these days.)
But a debit card called Aspiration lets you earn up to 5% cash back and up to 20 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 confirm your email, securely link your bank account so they can start helping you get extra cash. Your money is FDIC insured and they use a military-grade encryption which is nerd talk for âthis is totally safe.â
Blunder No. 3: Paying Too Much Interest To Credit Card Companies
If you have credit card debt, you know. The anxiety, the interest rates, the fear youâre never going to escapeâ¦
And the truth is, your credit card company doesnât really care. Itâs just getting rich by ripping you off 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 you can use to pay off every single one of your balances.
The benefit? Youâll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), youâll get out of debt that much faster. Plus: No credit card payment this month.
AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but donât worry â they wonât spam you with phone calls.
Blunder No. 4: Paying Too Much For Car Insurance
Whenâs the last time you checked car insurance prices?
You should shop your options every six months or so â it could save you some serious money. Letâs be real, though. Itâs probably not the first thing you think about when you wake up. But it doesnât 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 your age, and itâll show you your options.
Using Insure.com, people have saved an average of $540 a year.
Yup. That could be $500 back in your pocket just for taking a few minutes to look at your options.
Blunder No. 5: Thinking You Donât Have Enough Money To Invest
Take a look at the Forbes Richest People list, and youâll notice almost all the billionaires have one thing in common â they own another company.
But if you work for a living and donât happen to have millions of dollars lying around, that can sound totally out of reach.
But with an app called Stash, it doesnât have to be. It lets you be a part of something thatâs normally exclusive to the richest of the rich â on Stash you can buy pieces of other companies for as little as $1.
Thatâs right â you can invest in pieces of well-known companies, such as Amazon, Google, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1
It takes two minutes to sign up, and itâs totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) â thatâs industry talk for, âYour moneyâs safe.â2
Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*
Blunder No. 6: Assuming Life Insurance Is Expensive And Time Consuming
Have you thought about how your family would manage without your income after youâre gone? How theyâll pay the bills? Send the kids through school? Nowâs a good time to start planning for the future by looking into a term life insurance policy.
Youâre probably thinking: I donât have the time or money for that. But your application can take minutes â and you could leave your family up to $1 million with a company called Bestow.
Rates start at just $16 a month. The peace of mind knowing your family is taken care of is priceless.
If youâre under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.
1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.
2To note, SIPC coverage does not insure against the potential loss of market value.
For Securities priced over $1,000, purchase of fractional shares starts at $0.05.
*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.
The Penny Hoarder is a Paid Affiliate/partner of Stash.Â
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.Â
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.
What to Do This Weekend
Weekend plans look a lot different nowadays, eh?Â Iâm sure you are as sick of reading stories that begin with,Â “In these unprecedented times” or “Our new reality.”Â So Iâm going to skip the intro and the explanation …You are being a hero by staying home and protecting the health of your family and that of your neighbors.Â Thank you!Â Let me reward that good behavior with a list of a few things to keep you entertained this weekend.
Itâs a ridiculous tongue in cheek nature show on Netflix.Â There are plenty of adult jokes disguised as nature facts.Â Itâs child safe and adult approved.Â The whole family enjoyed it!Â If you are looking for a program the whole family can enjoy, add Absurd Planet to your watch list.
Speaking of Netflix, did you know you can watch a movie with friends long distance?Â Check outÂ Netflix Party.Â It synchronizes everyoneâs video playback and adds a chat feature.Â If you and your significant other arenât quarantining together, this is certainly a fun date night option, too!
Date Night Dinner & Dessert
If you are homebound with your significant other, youâre probably ready to spice things up. Â Tasty did a great feature of creating a three-course meal from the pantry.Â I was impressedâ¦.especially when one of the courses was peanut butter cookies!Â Follow along and cook a great meal or just get inspired to create your own pantry date night!
We are sitting still so much more than usual.Â You need to give your joints and bones and muscles some love! Stretch them out!Â There are plenty of free stretching videos on YouTube and the like, but my number one recommendation is the Peloton App.Â They are offering a 90-day free trial right now, after that itâs $13/month.Â The full body stretches are 5-15 minutes long giving you plenty of options.Â Additionally, they have meditation, boot camp, running, and walking programs.Â (and no, Iâm not an affiliate…I just think itâs a great app)
Try A New Summer Recipe
Yeah, cooking isnât a groundbreaking suggestion.Â Approach it a little differently today.Â Think of it as a meditation.Â Take your time cleaning and cutting the fresh veggies or fruit.Â Maybe watch a Youtube video first and learn a new technique.Â Then when you are ready, take on one of these yummy summer recipes.
Last week I took a dance lesson to learn the moves to the Tik Tok âSavageâ dance. The instructor was amazing…I was a *mess*!Â But I havenât laughed that hard in a while…and it used up a lot of energy!Â You can find plenty of lessons on YouTube or you can try a virtual class with Diva Dance DC.Â You can literally dance like nobody is watching! And who knows…maybe you will find some hidden talent!
Phone a Friend
â¦.not for your sake, but for theirs.Â People are getting cabin fever.Â They need each other.Â Scroll through your phone and find the friend that you know lives alone or the friend you know wishes they were living alone, and give them shout.Â It doesnât have to be a Zoom happy hour and it doesnât have to be an hour long.Â You can simply share a happy memory you have with them.Â Small interactions and gestures go a long way right now.Â Â
Thatâs it for this week.Â As I find specific events or awesomeness, I will share a new post weekly!Â If you have ideas or events to include next week feel free to send them my email@example.com or @Apartmentalist on Instagram.
Read What To Do This Weekend on Apartminty.
Home is where the heart and all your stuff is, so you probably want it to be pretty nice. Just not break-the-bank nice. There are a few easy ways to save before signing on the dotted lease line, fortunately. Do your wallet a big favor and check out these tips for finding the biggest and baddest apartments with move-in specials.
How to find apartments with move-in specials with Apartment Guide
Apartment Guide is making it easier than ever to know which properties offer the biggest bang for your buck by tagging them with a hard to miss, but easy to use hot deals badge.
Follow these easy steps and you’ll be on your way to saving money on your next apartment lease.
1. Search for apartments in your city or neighborhood
Visit Apartment Guide and search as you normally would using filters to narrow in on your desired city, neighborhood, price and features. You can easily select a Hot Deals filter option, which will only show apartments in your search that have an active deal for you.
In addition, as you’re scrolling through your full list of properties, you’ll notice a friendly red badge that says âHot Deals” or âDeals” with your special offer.
2. Claim your move-in special
When you click on a property, you’ll know if it has an active deal when you see the red word “Deals” in an icon under the photos. Click on that badge or scroll down the page to see what special is currently being offered. It could be anything from a months’ free rent to a gift card when you sign a lease.
Then click on “Check Availability” to fill out your name and contact information and it will be sent to the property along with your move-in special. Someone from the community will contact you shortly.
While you’re on the page, you can also sign up for virtual tours, if they are available.
Other tips for finding apartments with move-in specials
There’s no reason to stop there. Double (or triple) up on the savings by heeding a few of these tried-and-true tips for scoring the best apartment deals.
Timing is everything
No one wants to move during the busy holiday season, much less when it’s oh-so-chilly outside. So take advantage of everyone else’s hesitation and cash in on apartment community promotions that run rampant from October to December. Happy New Year, indeed.
If a deal seems too good to be true it probably isn’t going to be there long. Starting a few months before the big move, monitor rental prices in your desired area. This will give you a better idea of what’s fair to pay and what a true apartment deal looks like. That way, when a truly great promotion or rent reduction pops up you’ll be able to swoop in and grab it right away.
Although it seems pretty backward, it can sometimes be cheaper to score a brand-new unit. This is because newbie communities have a lot of space to fill, so they run excellent specials to get people in the door. Just make sure your rent and amenity fees won’t get jacked up without your consent in a year or two.
Make the ask
Many people don’t realize that rental rates aren’t set in stone. If a community is struggling to fill units they’ll be more likely to throw you a bone or two, in the form of reduced rent or waived fees. Don’t be afraid to check out these potential caveats. The worst thing they can say is no, right?
Brag a bit
Now’s not the time to be modest. Landlords would far prefer to have reliable renters in place, so if you have an impeccable credit history and references go ahead and drop this info like it’s hot. Be sure to include your score, if you know it. The apartment community is more likely to offer discounted rent to a sure thing, rather than someone who’s racking up debt all over.
Explore payment options
Some apartment communities have flexibility as to whether you pay month-to-month or upfront for a certain period of time, such as three, six or even 12 months. If you have the savings this could land you a discounted rent rate since they’ll already have your money in the bank. This apartment deal will cost you more upfront but will save plenty in the long-term.
Don’t be a diva
Sure, you might want a view of the bay or whatever, but if it works better with your budget to rent a middle floor unit it’s probably smart to make the concession. The same goes for ultra-desirable first-floor units. It’s simply cheaper to snap up a middle unit.
You can also save major bucks by opting for a community with onsite, rather than in-unit laundry. This minor inconvenience can net big savings in the end.
The same concept goes for fixer-upper units. Although it’s lovely to move into a turnkey place with a fresh coat of paint, pristine hardwoods and gleaming stainless steel, it’s also going to be reflected in the rent price. So think about what you really need, versus what you really want, all with your budget in mind. Many communities will approve minor repairs and upgrades, so check into that option and do the work yourself for a fraction of what they would have up-charged you!
Cast a wider net
Sure, you want to be in the trendy part of town, but it’s not worth being near all the hot spots if you have no money left over after rent, utilities and amenity fees to enjoy them. Instead, move a little further out to find the unit you want at a price that won’t break you. Then use ride-shares or public transportation to get you where you need to go if you don’t have your own wheels.
Find your apartment with move-in specials today
Searching for an apartment can be overwhelming in more ways than one. A little extra diligence on the front end, however, is likely to net big savings in the end.
So whether it’s a coupon, selecting a basement abode or a combination of the two, take a beat to figure out what you really want, when you want it and what you’re willing to give up to reap the best cash savings possible.
The post How to Find Apartments with Move-In Specials appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.
Sponsored Post-All images provided courtesy of Polinger Management Company
Apartment Community Spotlight: Aura Pentagon City
Aura at Pentagon City is the destination address that proves you donât have to live in the District of Columbia to be a true resident of the nationâs capital. Your new address is the center of the DC Metro area, including all commuter routes and, of course, the areaâs parks, shopping, dining, and nightlife options. A quick walk–just blocks from either the Pentagon City or Crystal City Metro and youâre home!
Choose a beautifulÂ studio, one or two-bedroom apartment home thatâs designed just the way you like it, with just enough space for your needs. Apartment homes range in size from 519 square feet to 1,243 square feet and with nearly 20 options to choose from, youâre sure to find a floorplan that suits your life. And our favorite feature;Â they’re pet-friendly!Â
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Aura Pentagon City truly makes residents feel at home. They treat residents with high-end customer service, regardless of the situation. In addition to the wonderful team at Aura Pentagon City, the community amenities are top-notch.Â Whether you value underground parking, outdoor space, a business center, valet dry cleaning, rooftop pools and sundecks, on-site maintenance, fitness center, and even a dog park for your four-legged friend,Â they have it all â and more.Â Two resort-style pools, a fully equipped fitness center, and concierge are our favorites! Additionally, there is on-site parking, trash and recycling, and on-site dry cleaning. Can you think of anything missing from this community, because we can’t!
All in all, Aura Pentagon City is our community of choice when it comes to the Pentagon City neighborhood. The lux amenities, stellar service, and its central location are our main reasons why we love it. If you are looking into making Arlington, VirginiaÂ your home, Aura Pentagon City should be at the top of your list â we promise youâll love it!
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Read Apartment Highlights: Aura Pentagon City on Apartminty.