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9 Ways to Save Smarter and Make Your Money Work Harder

How much time do you spend on average thinking about all of the ways you could save a few dollars? If you’re like most people, chances are your bank account keeps you fairly preoccupied on a daily basis. You may find yourself sweating during sleepless nights, trying to figure out where your dollars are heading when they’re not on your debit card.

Do you ever wonder if it’s possible to squeeze your pennies any harder than you already are?

The truth is that there are plenty of tools right at your fingertips to help you save tons of money – without requiring much effort from you. Find out how you can save money and earn money with these handy tools.

Trim down your monthly expenses.

Does your wallet ache every time your cable bill arrives in the mailbox? Does your internet bill only make the pain worse?

If you feel like your cable and internet company may be getting the best of you, there’s a possibility you could be right. is a new artificial intelligence bot that can help to negotiate lower rates on your monthly expenses.

With an average savings of $30 per bill and $1.2 million saved just in the past month, Trim is certainly worth looking into. All you need to do is make an account and upload your bills from this month. In exchange for getting a reduced rate, Trim keeps 25% of the savings and you pocket the rest.

Could it be any easier to save on your bills than that? Signing up for Trim should be a no-brainer for anyone who wants to see if their bills could be lower.

To get this little bot in your life, sign up with Facebook or your email address.

Find Your Credit Score.

Do you have any idea what your credit score is? Do you even know why it matters?

Your credit score affects every part of your financial life, including what auto loans, mortgages, or credit cards you might qualify. This isn’t information you should have to pay for though.

With, you can gain access to a free credit report and see where you stand. From there, they will give you a crash course on everything you need to know in order to improve that number. Credit Sesame includes monitoring and alerts if anything new shows up on your credit report, giving you a heads up of any identity theft.

Keep a closer eye on your credit score by signing up for a free account with Credit Sesame.

Earn interest on your checking account.

Have you ever wondered whether your money could be working harder for you? The truth is that some checking accounts can yield interest on the money you place there. Such is the case with Aspiration Summit.

For no minimum monthly balance, you can begin to put funds into a Summit account that accrues 0.25% APY on your money. Higher balances (over $2,500) earn an even greater interest rate of 1.00% APY.

This is money that you use on a daily basis – you can add and take money out of it daily with no hassle.

What else is there to love about these checking accounts? They have no monthly fees, no minimum deposit, and no ongoing requirements to keep your account active. There’s no risk at all to sign up and start making your money work harder today with an Aspiration Summit account.

Start planning for retirement.

Having a hard time looking into the future to plan for your retirement savings account? You’re definitely not alone. Retirement savings can be a hassle that leaves you feeling discouraged with bleak feelings for the future.

If you’ve already started your own 401(k) but aren’t sure how it’s doing, maybe can offer some assistance.

All you have to do is keep making regular contributions to your account through your employer. Connect the account through the platform and start to see where you may be going wrong. Blooom works hard to make sure that your portfolios are properly balanced and continues to manage your money for you for a low sum each month.

How little does it cost to gain access to this service? Sign up for today and pay as low as $10 per month for high-tech money management that focuses on your future.

  • Pay attention to your savings account.

Does your paycheck mysteriously disappear each week with not even a penny remaining? It may be time to start putting Acorns to work bolstering your savings.

You won’t even have to think about the transfer. All you need to do is link your account to your card and it rounds up your purchases to the nearest dollar. If your lunch cost $7.50, then Acorn rounds it up to $8.00 and puts the extra $0.50 in a savings account for you.

You can also set it up for automatic transfers daily, weekly, or monthly.

The best part? Not only does your money end up in savings for a rainy day, but Acorns also invests it. That means your money is hard at work making more money for the future.

For only $1 per month, you can start saving and allowing your money to work harder for your future with an Acorns accoun

  • Get money back when things go on sale.

Do you hate waiting around to see a rock bottom price on the item you’ve been dying to buy? Many of us have started checking for sales but end up disappointed when the price drops just a couple of days later. Think about how much you could have saved if you waited.

Well, you won’t have to think about it much longer if you sign up for an Earny account.

Earny asks for your email address and then searches for receipts in your inbox. This handy bot searches for price drops based on the price you paid and claims the difference for you. You get a neat little notification every time you save a few dollars.

What do you have to do to make it happen? Absolutely nothing once you enter your email address. It’s as simple as that to get cash back with Earny.

  • Earn cash back without a credit card.

Earning cash back has a long history of being a hassle but the new Dosh app is changing all of it. Gone are the days where you had to take pictures of your receipts, scan barcodes, or put everything on your credit card.

Instead, all you need to do is sign up for an account and link your debit card to Dosh.

Dosh automatically looks for the best cash back deals on your behalf. You’ll start seeing the savings add up quickly from retail merchants, fast food vendors, hotels, and more. It only takes a few minutes to download Dosh and get started on your savings.

What will you do with all of the money you earn? Transfer it to a bank account or donate it to charity with just a few taps.

What are you waiting for to start claiming cash back on items you already purchase?

  • Sign up for the right credit cards.

Most people apply for the credit cards they think will be right for them without ever really understanding the benefits. With Birch, gone are the days of guessing which card will give you the biggest bang for your buck on an upcoming purchase. Not only that, but they will give you recommendations for new cards based on your spending habits.

How does it work?

All you need to do is create an account and link up your bank accounts through their secure connections. You’ll gain insight into your current spending habits and how your credit cards could help you save more.

Based on information from more than 100 credit cards, Birch will make a personalized recommendation for which one suits your spending the best.

Birch makes it easier than it has ever been to get the best credit card tips and recommendations.

  • Save money on your next trip.

Is travelling a dream come true but the expense means vacation is just out of your reach this year? Consider saving up for your next vacation with the Barclaycard Arrival Plus World Elite MasterCard. It offers more benefits than ever before:

  • 2x miles on all purchases
  • 5% miles back on every redemption
  • 40,000 bonus miles after spending $3,000 in the first 90 days
  • No foreign transaction fees
  • No expiration date on miles

Even better, the $89 annual fee is waived for the first year.

A travel rewards credit card is a great way to store up your savings and specifically designate them for your next exotic getaway. The miles rack up without your knowledge or monitoring, ready whenever you need them.

Where will your Barclaycard Arrival Plus World Elite MasterCard take you this year?

Don’t keep stressing about where your money is going each month. Start adding some back into your wallet and putting your money to work with these convenient apps and programs today.


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