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7 Easy Money Moves You Can Make Today

January 20, 2020 By Bob Lotich, CEPF®

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7 easy money moves that you can make today Today I want to lay out a few simple money moves you can make to improve your finances.  Each one is very different, but all will help you move forward financially.

My encouragement to you would be to not just read the list and say to yourself “those are good ideas, I should do that,” but rather to take action today!

Each one is simple enough that you can take the 1st step in just a few minutes.

1. List your place on Airbnb when you go out of town

This really isn’t as scary as it might seem. You maintain full control and can filter out anyone you might not want renting your home. And you can even rent out individual rooms of your home.

Curious?  Click here to see what you might be able to earn in your area.

When I checked I was shocked to see that I had a $1,757 monthly potential in my area.

You can list it as often as you want and can list it to be by the night, week, or month. Airbnb offers a $1,000,000 guarantee to protect you from any kind of property damage that may be caused by guests.

They also have a guest rating system, so you can choose whether or not you want to approve that guest to stay in your place.

Check out the video below for more information:

See what you could earn with Airbnb

2. Earn easy money in your free time with Survey Junkie

I have always been a little hesitant to recommend survey sites because so many of them are so scammy, but Survey Junkie stands out as a legit player in this industry.

They make it easy to get paid (unlike so many other survey sites) and they have over 7 million members, so clearly they are doing something right. They are also listed as one of the few money-making sites with an A+ rating at the BBB.

You won’t get rich taking surveys, but it may be one of the easiest ways out there to make money from your couch.

Make money with Survey Junkie

3. Start investing with $1 or less

Simply put, this is the easiest way to start investing with no money.  They just round up all the purchases you make to the next dollar and invest the difference.

So, say you go to the grocery store and spend $16.25, they will round up to $17.00 and take the 75 cents and invest it. If you do that over and over, it quickly adds up to some big savings.

By far, the easiest set-it-and-forget-it way to get started investing.

Here is how it works:

Get started investing with Acorns

4. Save ~$18,000 with a few hours of work

Seriously, if you have student loans you should definitely consider refinancing them.

Credible is one of the biggest players in the industry and they say that their average customer saves $18,000 by refinancing their student loans with them.

I know you have probably never done it before, but don’t let the fear of the unknown stop you!  Just imagine what a massive money savings like that could do for you!

Save money by refinancing your student loans

5. Check your credit report for FREE with Credit Karma

You really should do this every year.  Odds are you probably haven’t in a while. Today is the day my friend!  It will only take you a few minutes and will be a good step for you!

These guys will do about everything and for FREE:

  • Check your credit reports (Transunion and Equifax)
  • Check your credit score
  • Monitor your credit report for you

What I love about them is that they monitor your credit report for you, just in case you forget to check it each year.

Check your credit score for FREE

6. Get a Rewards Credit Card

Earlier this year I wrote about how I have gotten 161 flights and 97 hotel nights for free – all because of my rewards credit cards. If you NEVER carry a balance on your card, there are a lot of potential benefits to using a good rewards credit card.

However, there was a time when my finances were such a mess I had to ditch the credit cards and ONLY use a debit card to ensure I didn’t overspend.  If that is you, be wise, skip this one, and stick with the debit card.

Check out some of the best rewards credit cards available

7. Review (or get) Life insurance

I estimate about 98% of people are best suited with term life insurance.  It is the simplest to understand, the cheapest, and the easiest to get started.

I don’t have an affection for any particular life insurance company, but I do really like Policy Genius for getting quotes and comparing rates.  Many of the comparison tools out there are obnoxious and I have actually enjoyed using this one.

If you have had ANY of these 7 life changes recently, you need to review your current policy.

And if you think having life insurance really isn’t that important, please read this.

Get a life insurance quote

What other money moves would you recommend?  Let me know in the comments!

 

If video is your thing, check out these moves in our latest YouTube video below!

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  • My New Favorite Money-Saving Strategy That You Aren't Using
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About Bob Lotich, CEPF®

Bob Lotich, CEPF® is a Certified Educator in Personal Finance and has over 15+ years experience writing about Biblical personal finance and is the best-selling author of Simple Money, Rich Life and has been named a top 20 social influencer in personal finance. His writing has been featured on Forbes, The Huffington Post, Yahoo Finance, CBN, Crosswalk, Patheos and others. He has been a full-time writer since 2008 and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket.

Reader Interactions

Comments

  1. Lisa lee says

    September 22, 2018 at 2:09 pm

    Airbnb is a great option. Have you tried it?

    • Bob says

      September 28, 2018 at 5:17 am

      Hey Lisa, we have used it as renters a ton, but haven’t been able to use it to rent out our house yet – looking forward to being able to!

    • Nicky says

      January 1, 2019 at 7:16 pm

      Saving money was never a priority for my family because survival was the theme while I was growing up. I figured out that by saving $1 for every week of the year that we are on I will have over $1300 at week 52. I contributed my first $1 today!

    • Lilian Rich says

      August 3, 2019 at 10:49 am

      Thanks Bob for always looking out for us. I have done 1, 3 and 5 thanks to you and I have never been so blessed to hear God through you. Thanks again!

    • Teena Boyle says

      September 5, 2021 at 12:58 pm

      Hey Bob, I was so glad to see you recommended Acorns because I’m already using Acorns! I don’t even miss the money that’s taken out of my account sometimes I forget I even have Acorns! Love this app!

  2. David Dann says

    September 22, 2018 at 2:11 pm

    Hello Bob. This is David and I want to thank you for your info on how to manage money God’s way. I am interested in starting the investment idea with “Acorns” app and doing the taking of surveys with Survey Junkie. I eventually will be in the market for a reliable used Toyota Camry for about $5000, but first I want to voluntarily turn in a vehicle that I purchased with much pressure and fraud from a dealer. I say fraud because the dealership elevated my income a thousand dollars on a credit application and the salesperson wrote on another form what my income actually is. I am in touch with an attorney who specializes in fraud cases right now, but I just want to get your advise. I showed salesperson proof of income with letter about my benefit from Social Security Disability income.

  3. Willy says

    September 22, 2018 at 6:55 pm

    Very good ideas, thank you for sharing!

  4. Allennita Cooks says

    September 23, 2018 at 11:06 pm

    Wow! Some of these strategies really look inviting. The Survey Junkie, Airbnb, and investing for $1. I already utilize Credit Karma. I’ll try Survey Junkie first and let you know how I made out. Thanks.

  5. Dawn Evanoff says

    September 25, 2018 at 10:29 am

    I have been using Stash app to save money for about a year and a half. I love it. You pick based on your investment personality (I’m a Chicken). Then you set up a dollar amount ($5 min I believe) and it automatically moves from your designated account to your stash account effortlessly. A little bit adds up if you can just forget about it. Over a year I had saved about $900 and it came in handy when I had an unexpected repair bill. It’s a great way to save for a trip or something too.

  6. Tim Kiser says

    September 25, 2018 at 12:47 pm

    Love the warning in the last paragraph concerning credit cards. It can be a tough balancing act for many people. Your results were NUTS!

  7. Nancy Lechowicz says

    September 25, 2018 at 1:08 pm

    Hi Bob. I read your article and as a nurse I can definitely tell you that I’ve seen families financially destroyed who do not carry some type of long term or short term disability insurance. I will actually be writing an article on this for my blog in the next few weeks. .
    Love your blog and all of your blogging tips and assistance!!

    • Bob says

      September 28, 2018 at 5:14 am

      Great tip Nancy, I got it myself for that reason, but it probably should be on this list –

  8. Vivian Waithaka says

    September 25, 2018 at 2:14 pm

    This came at the right time. I’m deeply Indebted and currently unemployed. Just finished my fast today, praying God will Make a way.
    God bless you.

  9. Edmund Ayuk B.E says

    September 27, 2018 at 8:55 pm

    They all seam to be Wow manners on upgrading your finances,but it is a shame it works only for those in the Us and might be Europe. The life style in Africa cancels out most of them for me.
    But please i am open to receive advice on how i can join lots of the action irrespective of my geographical location
    Bob man i am blessed,thanks greatly.

  10. RIYA says

    September 28, 2018 at 7:54 am

    OUTSTANDING AND MAREVELOUS ARTICLE, ITS AN GREAT THING SO FAR , THANKS FOR SHARING.

  11. Kim Johnson says

    January 1, 2019 at 3:37 pm

    Great post I have implemented most of the items in your list. The one thing I would add is find a way to work smarter not harder. For example, I trade the forex market part-time but Its time consuming and had to manage trades at work. Now I use software that takes trades for me and manages those trades while I can focus on work. Not only is it doing a better job of trading for me but its taken the emotion and stress out of my trading.

    • Ogan says

      July 11, 2019 at 4:16 pm

      Hi what type of software is that?.

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