5 money moves you should make in 2024


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By Moneywise Editorial Team
| 1 min read

As the year comes to a close, getting your finances in order and having a clear outlook on your financial future is essential.

After taking the time to plan for and solidify your financial future, these uncertain times can be threatening — it's no wonder that alternative methods of saving money are at the forefront of personal finance.

To help you protect your future, we've done some research and found five tried and true strategies that people are using to boost their bank accounts — while still enjoying the now.

1. Get the lowest quote possible on your mortgage

The average homebuyer can save more than $31,000 over the course of their mortgage loan by simply comparing rates, according to a LendingTree report.

Quicken Loans gives you a simpler, more straightforward way to buy a home. With years of experience, you can trust them to help you sort out your home financing options and get you the lowest quote possible. It takes just three minutes to get a credit approval and bring you one step closer to finding the perfect loan option.

Start by providing a little bit of information about the home you're planning to buy and Quicken Loans will instantly provide you with their available rates.

Their mortgage experts are always on-hand to help take some of the stress out of the process.

Quicken Loans

2. Earn money from your couch

Survey Junkie is a platform that rewards you for your opinions.

When you sign up, you’ll take surveys — where you can voice your thoughts on the products you use and places you go — and that will earn you points.

Once you accumulate $5 in rewards, you can redeem those rewards for gift cards or transfer your earnings directly to your PayPal account. You even earn points for filling out your profile and confirming your email address, allowing you to reach the payout threshold faster.

Survey Junkie

3. Stop wasting money on overpriced car insurance

Car insurance is likely taking a big chunk out of your monthly budget, but it could be keeping you safe for less. Insurance companies tend to pile on confusing add ons and lingo, which leads you to pay more than necessary.

SmartFinancial is an auto insurance website that compares quotes from multiple vetted insurance companies to make sure you're getting the best deal.

You can switch to a more affordable auto insurance option within minutes by providing SmartFinancial with some information about yourself and your vehicle and choosing from their tailor-made results. Start saving money today.


4. Pour your portfolio a glass of recession resistance

Fine wine is a more stable investment than stocks, but everyday investors have largely been locked out of the game by the constraints of specialized knowledge and logistical factors like proper storage.

Vinovest helps you skip the difficult parts of investing in wine so you can jump straight to the benefits.

They take care of storage and insurance, so you don't have to worry about maintaining a secure, temperature-controlled environment. Plus, the wines are chosen specifically for you.


5. Protect your retirement with gold

Unlike the U.S. dollar, which has lost 98% of its purchasing power since 1971, gold’s purchasing power remains stable over time.

Goldco is a reputable precious metals dealership offering IRAs and direct purchases of precious metals and coins.

While inflation is increasing everyone’s expenses, precious metals won’t be affected — so a Gold IRA might be the best thing to preserve your retirement.

To qualify, you need to be over 59 years old, and have at least $70,000 to transfer into your IRA. From there, you can start out by simply providing a bit of information about yourself and Goldco will send you everything you need to get started.


From finding a better deal on insurance to investing your money in stronger assets, there are so many ways for you to maximize your budget and get more cash in your pocket. There’s no need to sacrifice comfort or the luxuries you enjoy to feel more secure in your finances.

Whichever option you choose, you can head into 2023 feeling like a savvy shopper.