Use these ideas to get started.

1. Invest in real estate (even if you’re not a millionaire)

Now that you’re earning a higher salary, you might have some extra room in your budget. Maybe you’ve thought about investing some of that cash, but you’re not sure where to start.

We found a company that helps you become a real estate investor — and you don’t have to be a millionaire.

You can get started with a minimum investment of just $500. With the Fundrise Starter Portfolio, your money will be invested in portfolios of real estate around the United States.

You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

This is a good way to get started in the world of real estate. You could invest $500 or $1,000 or $2,000 to start with, and automatically add a little more every paycheck. The more you invest, the more you can make.

And you don’t have to be the landlord. Fundrise does all the heavy lifting.

As tenants pay their rent, you can earn money through quarterly dividend payments and potential appreciation of the property.

It’s a great way to get started in the world of investing now that you’ve got some additional income.

2. Ask this website to pay your credit card bill this month

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You’re making good money now, but that doesn’t mean your debt magically disappears. If you need some help, a company called Fiona will pay your credit card bill this month. (Seriously!)

Here’s how it works: Fiona will match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt that much faster. Plus, no credit card payment this month.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

You’re making great progress in your career. Don’t let your credit card debt hold you back.

3. Leave your family $1 million — even if you aren’t making millions

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Want to sleep easier tonight?

We’ve all wondered about what’d happen to our spouse and kids when we die: Could they afford the mortgage? Pay the bills on time? Handle the cost of childcare or college? That’s where life insurance can give you peace of mind.

Now’s a good time to start planning for the future by securing a life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application shouldn’t take more than about five minutes — and you could leave your family up to $1 million in life insurance with a company called Bestow. Policies start at $5 a month.

You can change or cancel your plan at any time. Plus, the security of knowing your family is taken care of is priceless.

If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam, pushy sales calls or even getting up from the couch, get a free quote from Bestow.

Tonight you’ll be able to sleep easier knowing your family will be taken care of financially.

4. See if you can get extra cash from this company

Tina Russell/The Penny Hoarder

Here’s the deal: If you’re making at least $70,000 a year, then you’re probably spending plenty of it. And if you’re not using Aspiration’s debit card, you’re missing out on extra money, and who doesn’t want extra money?

Yep. Aspiration gives you up to a 5% cash back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more cash.

You were going to buy these things anyway — why not get extra money in the process?

It takes just five minutes to sign up for a new debit card and see how much extra money you could earn with the Aspiration account.

5. Let this website help you pay off your student debt 5 years faster

No matter how much money you make, you might still feel like you’ll be stuck with student loan debt forever. Truth be told, your student loan providers just might be ripping you off with some super-high rates — yup, they’re getting rich off you.

But there are other, nicer companies that’ll help you out. A website calledn Credible knows the best ones and could pair you up as soon as tomorrow.

Here’s how it works: Credible will match you with a loan that’ll cover your student debt tab. Use that loan to pay off your federal and/or private loans. Now you’ll be left with one new monthly payment.

This process is called refinancing. The key to refinancing is to find a loan with better interest rates or lower monthly payments.

Ashley Williams, a financial analyst, graduated with $46,000 in debt. Refinancing allowed her to knock five years’ worth of payments off her loans, and it saved her more than $18,000 in interest.

If you’re not sure where to start, Credible lets you compare your options in two minutes. If you’re worried you won’t qualify, it’s free to check online.

6. Cancel your car insurance

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If you really want to get the best price on car insurance, experts say you should be shopping your options twice a year, but who has time to do all that?

Thankfully, a free website called The Zebra will do the shopping for you — in just two minutes.

All you have to do is enter basic information about your car and driving history, then The Zebra compares policies from more than 100 companies to find you the best price.

The Zebra says it saves its users up to $670 a year.

If you find a policy you like, you can sign up online instantly.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

About the Author

The Penny Hoarder

The Penny Hoarder

Guest Writer

Founded in 2010, The Penny Hoarder is one of the nation’s largest personal finance websites. Its purpose is to help people take control of their personal finances and make smart money decisions by sharing actionable articles and resources on how to earn, save and manage money.

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