Defer $ 5 000 to 2017: a year strategy

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How much money do you need to go on vacation? And for the Christmas holidays? Or just put aside? The amount is likely rather big. If you think about where to get an extra few hundred or thousands of dollars, the task will seem daunting. Instead, it is better to break this amount into smaller ones, write the authors of the financial blog. The Penny Hoarder. If you find ways to save a little money every time, then you will be pleasantly surprised at the speed with which you reach your financial goal!

Take the first step will help their proposed strategy for 12 months. You can try any of these ways to save $ 5 thousand this year.

1 month: Open a new bank account and set aside $ 5

Open a savings or current online bank account and put $ 5 there. You can even take the small change to the bank. Alternatively, you can open a savings account in a local bank, but better in an online bank: it will be less likely that you will withdraw money.

It may seem to you that a deposit of a few dollars is not worth it, but in fact this is a very important first step! So, your balance is $ 5.

2 month: Earn $ 655 passive income with these apps.

Many companies, including Google, pay users for installing their applications on their smartphones. Download the application and do not delete it, and every month you will receive money.

These applications collect data from your smartphone and help companies better understand mobile consumption: at what time of the day people are looking for something on the Internet, how much time they spend on sites and in applications, and what types of sites and applications are popular, and which types are not.

Below is a list of applications that can be installed on your phone and earn $ 400 per year or even more:

• Paribus. This is a new secret weapon for those who want to return money for purchases made online. Registration is free. After registration, the service will scan your mail archives for checks for online payment. If the program finds that you bought at Amazon, Target, or another store from the 16 listed on their website, they will track the price of what you bought. In case the price falls, they will pay you the difference. You do not need to do anything else.
• ShopTracker. If you regularly buy on Amazon, you can make money every month just by helping other companies do research on what people are buying online. Download the app and attach it to your account on Amazon. You will immediately be sent a free Visa gift card for $ 3. For each month of the application on your phone, you will also receive $ 3.
• Nielsen Mobile Panel. If you have a smartphone, this company will pay you $ 50 per year just for the fact that you did not delete it and use the mobile Internet, as usual. After the first week of use, you will be offered to play a game with getting prizes (a win-win game). The authors of this article won a $ 25 gift certificate from Amazon, but you can even win an iPad or a Samsung TV.
• Digital Reflection Panel. This company will pay you more than $ 200 per year for connecting a small device to your router. It will collect information about how you use the Internet, with the hope of improving universal use. You need approximately 7 minutes to register and sign up for participation.

Balance: $ 660

3 month: Earn $ 180 for participating in an online focus group

You can not earn millions by passing paid surveys, but additional $ 10-20 is possible. Start in March, and in a year you can reach $ 180!

Experts recommend polling sites VIP Voice и Ipsos panel. Sign up and wait for polls invitations that match your profile.

Balance: $ 840

4 month: Uber helps you earn $ 2 400

If you want to earn extra money or even work for yourself full-time, you can become a Uber partner driver. Register on Uber and start working today. If you are not interested in doing such a thing for a long time, then at least use this opportunity to earn some money for savings.

Payment for your work for Uber depends on where you are, as well as many other factors. There are people who regularly earn about $ 600 (before taxes) for the 40-hour work week. You can not strain and work only 20 hours a week during this month and save up $ 1 200. Alternatively, you can tense up and earn $ 4 2 for 400 weeks!

Balance: $ 3 240

5 month: Sell unnecessary things with these applications

If your cabinets and shelves are overloaded with things you never use, it's time to sell them. Almost any thing can be set to letgo. This intuitive application allows you to take photos and upload products in less than 30 seconds. It will not only help you get rid of many unnecessary things, but also do it for free. If you want to sell something more specific to specific groups of people, find more specialized applications.

If you collect dust on CDs or movie discs on your shelves, why not sell them? Decluttr will pay for them, as well as video games and electronics — for example, mobile phones, tablets, game consoles, and iPods. The application is easy to use - just download it to your phone and start scanning the barcodes of your media to instantly see the price at which they can be sold.

Old university textbooks can be sold through Bookscouter. Just enter the ISBN code of the book in the search field, and the site will give you a few dozen of the most reliable companies that buy textbooks via the Internet at the best price.

It often happens that wardrobes (especially for women) keep clothes that have not been needed for a long time - for example, a dress from a school graduation party. It will never be useful again, but the incomprehensible combination of laziness and nostalgia does not allow one to throw it away or give it away to someone for free. Instead of storing things you don't need, why not sell them off? One of the best and easiest to use platforms for this - Poshmark.

There are even applications for old handbags and designer accessories: CashInMyBag.

Set a goal: earn $ 50 and rake up the rubble of unnecessary things this month.

Balance: $ 3 290

6 month: Consolead debt to pay less bills

This item will not help you. win more money, but it will help reduce the amount of payment on the bills to save more.

Many scare interest on credit cards in excess of 20%. If you belong to such people, perhaps you should consolidate and refinance your debt. Have a good resource Even financial. They help lend up to $ 35 thousand (without collateral) and compare interest rates with several lenders.

If you decide to consolidate your debt on a credit card, then do not close the old accounts. Your credit rating depends on the length of your credit history. If you close active accounts, you can harm your rating.

The amounts that can be saved in this way are different. Some people who consolidated their student debts and received refinancing on them were able to save $ 10-12 thousand. This is, of course, the maximum example, but still debt consolidation will help you get out of them faster.

Can you reduce your monthly debt payment by $ 100?

Balance: $ 3 390

7 month: Agree on the best rates and save $ 400 + per year

Everyone knows that you can bargain when buying a car. But did you know that the cost of mobile services or cable TV can also be discussed? For example, one of the authors of this material has reduced the cost of services provided by AT & T. He already had the cheapest rate, but the man called the company and asked if they could help with lowering the cost of payment. As a result, they agreed to reduce their payment by $ 20 per month, which saves $ 240 per year!

You can do the same with paying for cable TV services and save yourself an extra $ 200 saved per year.

Balance: $ 3 790

8 month: Earn $ 250 by opening another bank account

Now that you have savings, you can earn a couple of dollars by depositing them in another bank account. By this link You can find a list of banks that pay money for simply opening an account with them - some even up to $ 250!

As a rule, several bank accounts will not hurt. Sometimes it is useful to have a couple of places to store your savings (then there is less chance to remove everything at once): for example, set aside separately for the Christmas holidays, separately for holidays.

The biggest bonus from a bank for opening an account today is $ 250 - check this list is for banks in your area who offer money.

Balance: $4 040

9 month: Get cash back for every purchase.

For every online purchase, you can use money back sites, such as MyPoints. You already buy, so why not do it through them? Most of the most popular online merchants work with them. Sign up for free and you can get 1,4% refund from Target and whole 5,4% refund from Walmart.

In the lists of this service - more than a thousand stores, so that through them you can buy almost any product that interests you. In addition, for the first $ 20 spent through MyPoints, you will be presented with a free Amazon gift certificate for $ 10.

Try to get in this way at least $ 10 in each of the last three months of the year.

Balance: $ 4 070

10 month: Cancel unused subscriptions

We all constantly subscribe to something. Sometimes it's easiest to tick off “make payment regular” and forget about it - for example, as with Netflix. This is convenient for paying utility bills and credit card debts, but not for subscriptions that you have forgotten about and which only draw money from your bills every month. Remove those that you don’t use and can get close to the $ 5 000 mark this month.

If it's hard for you to track your subscriptions, try the app. Trim. You register and tie up your bank card and phone number, and the application keeps track of your transaction history for regular payments. If it finds it, it sends you an SMS, and you can use it to cancel all subscriptions that are of no interest to you.

Why spend money on something that you do not use? Try to save another hundred dollars in this way.

Balance: $ 4 170

11 month: Take part in clinical trials and earn $ 900

If you have a chronic disease (for example, arthritis or migraine), then you can make extra money with them - by taking part in clinical studies. They help doctors find out the disease and find the best ways of treatment.

The amount of compensation depends on the research, but there are several quite worthy options:

• Migraine. If you have never had them, consider yourself lucky. If it happens regularly, get at least some benefit from this: local research organizations pay up to $ 1 150 compensation.
• Arthritis. If you have rheumatoid arthritis of the knee or hip, but otherwise you are healthy, you can go for studies for which patients pay up to $ 265 compensation, depending on the number of visits. In doing so, you will need to provide your phone number and consult with the doctor conducting the study about whether you are suitable. Before you get paid, you will have to visit all the required research.
• Psoriasis. Lame disease but for online surveys on psoriasis, you can earn from $ 5 to $ 100 and help improve her treatment without getting up from the couch.
• Cluster headache. If you have such a diagnosis, you can take part in research and get up to $ 300. You will also be provided with free medication and treatment within the program.
• Crohn's disease. If you have been diagnosed with this chronic digestive tract disease at least 3 a month ago, you can take part in research and get up to $ 750. You can also get free medications and treatment from the program.

Balance: $ 5

12 month: Get a bonus of $ 100 for opening a new credit card

If you regularly pay credit card debts every month, then there is nothing to worry about opening another one. Credit cards are a great way to get extra money. Here is 7 credit card listfor which there are no annual service charges, but there is a $ 100 bonus when opening a new account.

Balance: $5 170

See also:

Personal experience. How to save in the US

How to save in the popular chain stores Target

From the first person. 6 tips for economical shopping in the US

Ten Little-Known Ways to Save at Costco

10 ways to save $ 5 every day

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