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Cut monthly costs where you can

If you start using the cash-stuffing method, it might cause you to physically see where the sore points that are hurting your budget might be, and in turn, give you upfront insight on where to trim some of your monthly expenses. Even essential expenses, like insurance.

If you haven’t shopped for a better rate on your car insurance in more than six months, you’re probably overpaying.

BestMoney makes comparing multiple insurance companies easier than ever. Just answer some quick questions and you'll be able to choose from multiple providers to find the best option for you.

As with food and gas prices, home insurance premiums are on the rise. The average yearly price of a home insurance policy as of June 2024 is $1,678, according to the latest data from Forbes.

If you want to get the best deal possible on coverage for your home, you’ll need to compare prices from multiple home insurance companies. OfficialHomeInsurance makes it easy to find the best rate available.

Just answer a few quick questions and their online platform will show you available home insurance rates near you.

Read more: Car insurance rates have spiked in the US to a stunning $2,150/year — but you can be smarter than that. Here's how you can save yourself as much as $820 annually in minutes (it's 100% free)

Kiss Your Credit Card Debt Goodbye

Millions of Americans are struggling to crawl out of debt in the face of record-high interest rates. A personal loan offers lower interest rates and fixed payments, making it a smart choice to consolidate high-interest credit card debt. It helps save money, simplifies payments, and accelerates debt payoff. Credible is a free online service that shows you the best lending options to pay off your credit card debt fast — and save a ton in interest.

Explore better rates

Make every cent count

There are some things you just can’t — or shouldn't — buy with cash. Your paycheck needs to be deposited somewhere — and when you have to whip out your debit or credit card, you can still make it a savings opportunity.

With SoFi’s high-yield checking account, you can get 0.50% APY on your checking balances — that’s 7x the national checking rate.

By opting for their competitive checking account rate, with no balance minimum, you can enjoy improved savings while still keeping your money accessible if you need it before retirement.

Plus, when you set up direct deposit, you can earn a cash bonus of up to $300.

But what about investing? Acorns is an investing service and savings tool rolled into one.

When you make a purchase on your credit or debit card, Acorns automatically rounds up the price to the nearest dollar and places the excess into a smart investment portfolio.

Your spare change may not seem like much, but look at this math: $2.50 worth of daily round-ups add up to $900 per year — and that’s before your savings earn money in the market.

Sign up today and collect a $20 bonus just for getting started. Where your savings go from there is up to you.

Consolidate your debt

Another popular cash-stuffing Tiktoker, @monets_money, shared where her stuffed cash went in May, with $75 going toward eating out and $3,195 going toward savings and investments. Notably, none of her monthly spending went toward debt repayment, which is something many people need to account for when keeping their costs under control.

Depending on how much interest you pay on your credit cards, a debt consolidation loan could save you thousands of dollars.

Try Credible, a free online service that shows you the best lending options to pay off your credit card debt fast — and save a ton in interest.

Credible lets you compare lenders to find interest rates with just a few clicks. You can borrow up to $100,000 (with no collateral) with repayment schedules ranging from 24 to 84 months.

Checking rates on Credible won't hurt your credit score, it’s totally free, and it can save you some serious cash in the long run.

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What to read next


This 2 Minute Move Could Knock $500/Year off Your Car Insurance in 2024

Saving money on car insurance with BestMoney is a simple way to reduce your expenses. You’ll often get the same, or even better, insurance for less than what you’re paying right now.

There’s no reason not to at least try this free service. Check out BestMoney today, and take a turn in the right direction.

Moneywise Moneywise Editorial Team

The Moneywise Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Moneywise Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.


The content provided on Moneywise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.