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6 Ways to Jumpstart Your Savings Game In 2020

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Make saving money a priority in 2020 with our top 6 tips to jumpstart your savings game.
MySavings may earn a small commission via affiliate links in this post. Individual T&C may apply per offer. Read more here.

 

With New Year’s resolutions still on my mind, I have been thinking about how to spend less and save more in 2020. My good intention is set, and now it’s time to follow through. Here are some easy ways to keep you on a money-saving track for the entire year.

1. Start Your Investment Portfolio with $1.00

Want to invest, but don’t have the knowledge or extra cash? Get the guidance to help you achieve financial freedom with micro-investing through Stash. Currently, Stash will offer $5 for you to start investing to get you started.1 Easy and informative for beginners and fun for even the pros. The best part – You can start investing with $1.00 or less!

2. These Credit Cards Will Give You Money

There’s nothing like jump-starting your savings game than with $250 in free cash! There are many credit cards that not only give you cash back on your purchases but will give you a nice signup bonus of free cash! Overwhelmed by choosing the perfect cashback credit card? Luckily CreditCards.com searches and compares hundreds of credit card offers and posts the top 10. Look for a card with $0 annual fees and high cashback percentages. You’ll be surprised how quickly the money adds up.

3. Cut the Cord for Good and Save $100

We get it. You’ve been paying for cable your whole life, and cutting it out of your life may feel like a breakup. But doesn’t saving $100 per month sound amazing? Choose your channels and pay for only what you want to watch with streaming services! Not sure if a streaming service is a good fit? Try most of them for free and never sign a contract!

You can subscribe to individual channels on Amazon for as little as $3 each per month like MTV, Nickelodeon, Showtime, and more. Plus, many of the Channels on Amazon offer free 7 day trials to see how you like it! Streaming services like Sling have a huge fan following and right now you can score $10 off. With streaming services you no longer have to waste money on channels you never watch – you’re in control of your money and not the cable company!

4. Get Paid Every Time you Shop Online

Every three months I get a check for $10-$35 in free money from Rakuten – my favorite rebate website! Every time I plan to make an online purchase I make sure to click through Rakuten first to earn 3-15% cashback on all of my purchases.  Every purchase I make on my favorite websites like Kohl’s, Amazon, and Target has earned me over $375 in free cash over the past few years. Rakuten is giving new members a Free $10 Walmart gift card for giving them a try.

5. Make Money Watching Videos 

InboxDollars pays you for what you’re already doing – watching videos, listening to music, searching online, and downloading apps. Plus, InboxDollars boosts your account with $5 to get you started. It is free and easy to become a member and start making some extra cash right away. Once you hit $30 you can cash out via Paypal, check, or by Amazon gift card.

6. Boost Your Savings Account

An Aspiration Spend & Save account gives cash back, up to 1.00% APY, and up to 5 free ATM fees every month. Plus, the Aspiration debit card gets you up to 10% cashback – keeping money in your wallet where it belongs!
Disclosure:  This post may contain affiliate links and sponsored content at no cost to you. Thanks for reading.
1. Promotion subject to Terms & Conditions. For Securities priced over $1,000, the purchase of fractional shares starts at $0.05.
MySavings (ShopHerMedia) is a paid Affiliate/partner of Stash. Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser.
 

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Small Kitchen Appliances for $10.69 – Over 50% Off

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Small Kitchen Appliances for $10.69 - Over 50% Off

Kohl’s.com has Select mall Kitchen Appliances on sale for $12.49 (Regularly $24.99).

Get them for only $10.69 when you text SAVE to 56457 and get a 15% code.

Tip: Text STOP and then SAVE again if you need a new code!

FREE in-store pickup if available near you.

 

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My 6 Tips for Scoring Disinfectants & Toilet Paper Online

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Need Disinfectant wipes? Bleach? Toilet Paper and Sanitizer? We got ya! Check out my tips below on how you can score some sanitizer and disinfectant shipped right to your door.

1. Fill Your Shopping Cart NOW

You found your items online – but are put off by the $5 shipping cost! Don’t attempt to fill your cart quickly – you will fail! Many online retailers will give you free shipping if you spend a minimum amount. Walmart, Target, and Amazon will give you free shipping if your cart is at a minimum of $35 worth of merchandise. Get your carts filled up NOW so you can check out in a breeze. The key here is don’t wait until you see these hot items in-stock to fill your cart with other items in an attempt to get free shipping – the sanitizer and wipes WILL sell out while you spend time looking to fill your cart. Sign up for Amazon Prime free 30-day trial so you don’t even need to worry about shipping costs at all. Free 30-day Membership, Free 6 month Membership for Students or 54% off Prime Membership for those who Qualify

 

2. Add your payment to your accounts NOW

Login to Amazon, Walmart, Target, and your warehouse store websites right now and save your payment methods. When the time is running out to purchase these hot items you’ll be thankful you didn’t have to waste time entering and confirming your credit card information. Every second count!

3. Learn the Zipcode Hack

Change your zip code on the menu when searching to reveal stock in other locations. Secure your items in your shopping cart and you can change the shipping address at checkout. This has worked particularly well with Walmart. Zipcodes 11211, 60477, and 30003 have routinely shown sanitizer, and disinfectant wipes in stock over the past 2 weeks. The stock comes and goes – don’t give up and check other zip codes.

Key Links to Keep Checking: 

Walmart Disinfectants & Disinfectant Wipes & Soaps & Toilet Paper
Amazon Disinfectant & Sanitizer
Target Disinfectants & Sanitzier

 

4. Seek Alternate Sources & Brands

Look beyond the big box store websites. Dollar General, Dollar Tree, Five Below, Home Depot, and Staples (free shipping & Lots of TP and paper towels!) are other websites with cleaning products ready to ship. Other small online retailers may also have stock with off brands from smaller companies. CDC recommends 60% of alcohol in products to be effective in killing Covid19 Coronavirus. Check off brands (store brand) like Great Value (Walmart) or lesser-known brands like ArtNaturals (in stock!), Microban & Bona (in stock!).

5. Refresh the Page

I can’t tell you how many times an item has gone out of stock in the middle of checkout – you NEED to refresh, refresh, refresh until you succeed! If I would have given up every time it said out of stock I would have NEVER been successful ordering toilet paper, hand sanitizer, and disinfectant wipes (check out my picture above!). Stock comes and goes. Just last week we posted about Lysol wipes on Walmart’s website. It went in and out of stock the entire day – a LOT of people scored the Lysol wipes, but also a lot of people also gave up too fast!

6. Check Mysavings.com & our Facebook and Instagram Daily

If you’re not already checking our website several times per day. We post it here as soon as we see these hot items in stock. We then post on Facebook and Instagram. Be sure you are following our social media pages! Make sure to change your settings for our MySavings Facebook Page to “see first” at the top of our FB page so you never miss out!

Good Luck & Stay Safe & Healthy!!

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The U.S. is Sending You $1,200 Cash – Stimulus Bill Explained

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How much will you get and when? The Biggest economic relief package in modern U.S. history is Explained.

Congress passed a historic $2 trillion stimulus bill to help address the growing economic crisis caused by the coronavirus pandemic. Americans can expect direct deposit cash payments directly to their bank accounts within the next three weeks. Most individuals can expect $1,200 per adult and $500 per child.

Make less than $75,000 per year?

If you make $75,000 or less as an individual or less than $150,000 a year as a couple you will get money. Individuals are eligible for up to $1,200 and couples would receive up to $2,400 — plus $500 per child. A family of four (2 adults 2 kids) can expect $3,400. There is a simple calculator here that shows what you will get (it is not official though, waiting on the US Treasury to release one on their website).

Make MORE than $75,000 per year?

The amount would then be reduced by $5 for every additional $100 of adjusted gross income, and those making more than $99,000 would not receive anything. The income thresholds are doubled for married couples.

How do they know my income?

Your Income is based on 2019 or 2018 tax returns (whichever you did last).

How do they know where to send my money?

The IRS will send you a direct deposit to your bank account that you have on file with the IRS for your tax payments or refunds. If you don’t have a bank account on file they will mail you a check!

When can I expect the money?

The White House has said they hope to begin distributing cash quickly. Most Americans will be receiving their money by April 15th!

 

More Freebies & Deals to get you through the Coronavirus Shutdowns:

Freebies for Healthcare & First Responders Coronavirus Heroes
List of Senior & At-Risk Grocery Store Shopping Hours
Make Money From Home During the Pandemic
Freebies & Deals to get you through Your Time at Home
Restaurant TakeOut & Delivery Deals Through April

for more information on what the U.S. is doing to help its citizens during the Coronavirus, you can read official information here.

 

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Do you have a student loan? See if your loan interest fees have been waived!

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Student Loan Interest Fees Waived - What You Need to Know

 

Student Loan Interest Fees Waived – What You Need to Know

In an effort to help alleviate economic hardships brought on by the spread of the Coronavirus, interest on federal student loans have been waived. This will last at least 60 days, starting from March 13, 2020. Here’s what you need to know about how it will work.

Which Loans Qualify

All federal student loans, which include Direct Stafford loans (subsidized and unsubsidized), Direct Parent and Graduate PLUS loans, and Direct Consolidation loans. To figure out if your loans qualify, the Institute recommends logging into http://www.studentaid.gov and checking to see which lender is listed. If the lender is the Department of Education, those loans qualify.

How to Sign Up

It will be automatic for borrowers, loan servicers, the companies that manage student loan repayments for the government, will waive any interest that has accrued since March 13.

Monthly Bills Will Stay the Same

Loan servicers have clarified that the amount borrowers owe each month will not change. All of the payments will go toward the principal, not interest. Paying the principal quicker will shorten the loan term. If you have any previous unpaid interest on your account, your payments will go to that before the principal amount.

 

Can’t Afford Monthly Payment?

For quick relief, you can put your loans in forbearance, which is more attractive now with the interest waiver. U.S. Secretary of Education Betsy DeVos said any borrower who asks for forbearance from their servicer will get one for a two-month period.

For longer-term relief, enroll in an income-driven repayment plan that sets your monthly payments based on how much you’re earning. This is better than that forbearance or deferment, because your payments will count toward loan forgiveness (available after 20 years of payments). In forbearance or deferment, you’re not making any progress, even if your loans aren’t currently growing due to the interest waiver.

What to do if Working Toward Public Service Loan Forgiveness

Borrowers who are aiming to get forgiveness through the Public Service Loan Forgiveness program should not put their loans on forbearance if they can afford to keep paying. That way they can still make progress toward their 120 months of payments to qualify for the program. If you need to recalculate your payments to keep them affordable, you can do that immediately online at studentaid.gov.

Relief on Private Loans

Most private lenders do offer some temporary relief for people experiencing economic hardship, but the policies are not as generous as those of the federal governments. Contact your lender and ask what flexibility they can provide.

 

Freebies & Deals to get you through the Coronavirus Shutdowns:

Freebies for Healthcare & First Responders Coronavirus Heroes
List of Senior & At-Risk Grocery Store Shopping Hours
Make Money From Home During the Pandemic
Freebies & Deals to get you through Your Time at Home
Restaurant Takeout & Delivery Deals Through April

For more information on what the U.S. is doing to help its citizens during the Coronavirus, read official information here.

 

Do you have a student loan? See if your loan interest fees have been waived! Read More »

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