Tag: credit

Your budget is bleeding, thanks to inflation. How to stanch that financial hemorrhage? Hint: You can’t do it with thrift alone. Sure, being frugal helps. But you can’t coupon your way to solvency, and brown-bag lunches or bringing your own coffee can get you only so far in an era of inflation.

Instead, look for the bigger-ticket savings. Here are several common ways that people overspend without knowing.

1. You’re not diversifying your portfolio

Worried about the stock market? Before disaster strikes, be prepared. Goldco is here to help. From precious metal IRAs to direct purchases of precious metal coins and bars, Goldco can help you diversify and safely grow your retirement portfolio.

Gold is a safe haven for investors, and for good reason. Gold is a physical commodity, not a form of currency. It can’t be printed like money, and its value is not impacted by interest rate decisions made by the government. Gold can be stored indefinitely and is a proven long-term hedge against inflation.

Goldco is a trusted leader in the precious metals industry. It’s been around for over a decade and has been recommended by celebrities like Fox News talk show host Sean Hannity, Chuck Norris and even former presidential candidate Ron Paul.

They have an A+ BBB Rating, AAA Rating from Business Consumers Alliance and 4.8 to 5 stars on Trustpilot, Trustlink, Google Reviews and Consumer Affairs. You’ll even receive up to $10,000 in free silver on qualified purchases.

Protect your wealth with gold today. Request your free information kit now.

2. You’re wasting thousands on auto repairs

As a nation, we’re hanging on to our cars a lot longer: The average U.S. vehicle is now 12.1 years old. Trouble is, most of the big-ticket auto repairs happen long after the warranty has expired.

Don’t pay thousands out-of-pocket. Protect your investment with CarChex. A CarChex vehicle protection plan will work at any licensed repair facility in the United States, from independent shops to dealers.

The shop diagnoses your car, gets approval from CarChex, does the repair, and then gets paid directly from the company. CarChex can save you hundreds – even thousands of dollars in covered repairs.

You can choose from among five different plans. Their plans can last up to 250,000 miles on cars up to 20 years old. Plus, all plans include benefits like 24/7 roadside assistance, towing, rental cars, gas delivery, and more.

CarChex is the real deal. They have an A+ Rating by the Better Business Bureau and are recommended by companies like Carfax, Kelley Blue Book and CarBuyingTips.com.

Protect yourself from costly auto repairs. Get your fast, free quote today.

3. You’re still drowning in credit card debt

It’s tough to build wealth when you’re buried in debt. Here’s a not-so-fun fact: The Federal Reserve Bank of New York reported an increase in the total amount of debt in the American household, rising by $27 billion to $15.85 trillion.

If you’re overwhelmed by debt, Freedom Financial Network can help you get out of the financial quicksand. One of the ways that they do that is through debt consolidation, which means combining all of your debt into a single loan. (With a single monthly payment, which is a plus for those with multiple cards: No more missed-payment late fees.)

You won’t have to pay anything upfront to sign on with Freedom Financial Network. The company has an A+ rating with the Better Business Bureau, so you have nothing to lose — except your debt.

Cancel your debt now! Get a free, no-obligation consultation today.

4. You’re letting home repairs drain your savings

Having homeowners insurance is essential – but it also isn’t enough. Your house is full of systems and appliances that can (and will!) break down, and that isn’t covered by homeowners insurance. Finding a reputable repair company on short notice can be challenging, and the costs can be terrifying – especially if two or three things break down in the same year.

Don’t struggle to pay for repairs. Protect yourself against them, with help from Select Home Warranty. The company offers three levels of coverage for your appliances and heating/cooling, plumbing and electrical systems.

When something goes wrong due to normal wear and tear, you just call Select Home Warranty, day or night. The company has a wide network of reputable repair folks who will fix what’s wrong.

And if they can’t fix it? Select Home Warranty will replace it. All that you pay is a service fee.

You don’t need a home inspection to qualify for a warranty, and there’s no limit to the number of claims you can file. Right now, Select Home Warranty is offering $150 off plans, two months for free and free roof leak coverage.

Don’t let expensive home repairs drain your bank account. Get a free quote in 30 seconds.

5. You’re not safeguarding your assets

A study by investment firm Vanguard found that, on average, a hypothetical self-managed $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you work with a professional.

Of course, there are no guarantees a professional will do better than you, but with that much at stake, it would be crazy not to at least check it out. If nothing else, they can help you create a plan, maximize your Social Security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

These days, there are no-cost online services that make it easier than ever to find vetted financial advisers in your area. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes a few minutes, and in many cases you’ll be connected with an expert immediately for a free retirement consultation.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now! (Please carefully review the methodologies employed in the Vanguard white paper, “Putting a Value on your Value: Quantifying Vanguard Advisor’s Alpha.”)

6. You’re losing $500 a year on insurance

Who likes shopping for car insurance? Nobody. Insurance companies know it, so they jack your rates up every year without you realizing it. Don’t let them get away with it. With a comparison site called QuoteWizard, you can get a better deal in just minutes.

QuoteWizard is one of the largest online marketplaces for insurance in the United States. You simply answer some questions about yourself and your driving record, and QuoteWizard will compare prices from more than 80 insurance providers and send you the top deals.

According to QuoteWizard, you’ll save up to $500 a year. Plus, it’s free to use, and it just takes two minutes to get your new rate. Don’t lose $500 a year on car insurance. Enter your ZIP code to get your new rate.

7. You’re leaving behind $1,000 every year

If there were just one easy thing you could do, every day, to save more money, to create more wealth, you’d do it, right? Well, here it is: Take just five minutes every day and check out the totally free Money Talks Newsletter. More than a million Americans have, and they’ve reported saving an average of $991.20 each by checking our news and advice.

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