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Retirement feels far away when you are young. But before you know it you are 50 and don’t have any savings.
If you’re not saving enough, don’t stress! Follow these tips to ensure you’re stashing plenty away for retirement without breaking a sweat.
1. Make Money To Save Money
They’re a market research company that’ll pay you top dollar for every survey you complete (up to $25 each) and lets you cash out quickly. Perfect if you need money fast.
2. Save On Everyday Expenses- Now
Simply download the app, and grocery shop as you normally would at stores like Target, Walmart, Rite Aid, and Costco etc. Then upload your receipt, and the app will look for cash back offers for what you bought.
Ibotta’s cash back offers really are for food you would be buying anyway, a massive list that includes things like Stonyfield organic yogurt, MaraNatha almond butter, Nutella, the list goes on and on.
Sign-up for Ibotta right now and you’ll immediately have $10 in your account!
Walmart has nearly double the Ibotta cash back offers as any other store. Your next best options are Target and Kroger.
3. Save Like The Rich
Would’nt it be great if you could save like the rich? MoneyLion is making financial tools that are usually only available to people with big bank balances, available to everyone. The app allows you to easily track your credit score and it will send you alerts so you can avoid late fees or overdraft fees from your credit card issuers and bank, like your personal banker.
Our favorite feature? You can earn free gift cards to places like Amazon and Zappos just for completing different tasks on the app like adding a profile photo and linking your bank account.
Since launching, MoneyLion Plus members have seen over $1 million in savings. It works. Via MoneyLion Plus, you can start investing in the stock market with as little as $50 and get approval for personal loans from between $1,000 to $35,000 on the same day. 70% of their users are seeing credit scores improve as they use MoneyLion Plus.
4. Make The Best Use Of Your Time
Some people say surveys are time-consuming. If you don’t have much free time but still want to make extra money, Ipsos i-Say is a good option.
They pay out in gift cards to every popular store (Amazon, Walmart, Target, Apple etc) so covering your everyday spending is possible.
5. Reduce Unnecessary Expenses
Bill cutting is something we all want to look into but never have the time to.
In comes Truebill, whose goal is to lower your bills. Period. Sign-up for Truebill and either log-in or snap a photo of your bill and Truebill’s negotiators will get to work finding hidden discounts and promo rates you would never have been aware of otherwise.
There’s zero risk to see if Truebill can get your bills lowered because you only pay if they are successful. Customers have attested to saving hundreds of dollars a year thanks to Truebill.
6. Get A Free 401(K) Analysis (Then Put Retirement Savings On Auto-Drive)
Have you checked to see how your 401(k) is doing? Trying to check is a nightmare – it’s impossible to get a straightforward answer.
You can make understanding, monitoring, and optimizing your 401(k) simple Blooom. At Blooom some smart people and algorithms will maximize your 401(k) to set you up for a cushy retirement – and save you a ton on adviser fees ($41,456 savings on average).
The process takes a mere 5 minutes.
7. Start Investing Now
Stash allows you to buy fractional shares of Exchange-Traded Funds (ETFs). An ETF is like investing in an industry rather than individual companies – it’s less risky and easier to understand than individual stocks. There are over 40 investment themes to choose from depending on your risk tolerance and social beliefs. To sweeten the deal, new users can get $5 in free stock using this link.
8. Automate your savings
One of the parts of saving money that makes it so painful is thinking about it all of the time. People who are great savers will be the first to say they do it by turning saving into a necessary expense (in other words, saving $300 a month, no matter what).
It’s easier said than done though for some people to save money, which is where Digit comes in. The app will automatically pull small amounts from your checking account throughout the month so you won’t even miss the money. According to Forbes, the average Digit user saves between $80 to $170 a month.
9. Save On Those Excessive Banking Fees
If you hold a checking or saving account with any bank, you must know how those minimum fees, transaction costs and overdraft fees can add up.
Do your wallet a major favor and save that extra fee money with Chime.
It gets even better, with Chime you can get your pay check up to two days early.
Need an answer quickly? Check here
Save a ton on advisory fees on your retirement account – Blooom
Make money to save money – InboxDollars
Take advantage of high paying surveys- Ipsos i-Say
Save like the rich – MoneyLion
Save on banking fee – Chime
Reduce your cable and internet bills in minutes – Truebill
Save on everyday expenses – Ibotta
Start investing now – Stash
Automate you savings – Digit
 *$41,456 investment fee savings based on median blooom client 401(k) balance of $47,131 assuming $5,000 annual contribution, pre-blooom investment expense ratio of .56%, post-blooom investment expense ratio of .22%, and 30 years until retirement as of January 9, 2018. Blooom is limited to the funds available in your employer-sponsored retirement account. There is no guarantee blooom can or will reduce your fund expenses.
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