5 Ways You Could Make Real Money Without Quitting Your Job

Set up direct deposit - pocket up to $400

Set up an eligible direct deposit with SoFi Checking and Savings and you could pocket a bonus of $50 or $400.² <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct&nbsp;Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible&nbsp;Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have&nbsp;satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct&nbsp;Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.&nbsp;SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct&nbsp;Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on&nbsp;checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at&nbsp;<a href="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Rate-Sheet-September-23-2026.pdf">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> Make the switch, set up direct deposit, earn the bonus. It basically takes no extra work at all other than following these steps. 

Why people are switching: This account earns up to an insane 4.40% APY³ <p>Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/27. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> on savings for up to six months on new accounts (3.30% APY standard + 1.10% APY boost; terms apply) on top of that $50 or $400 bonus.² <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct&nbsp;Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible&nbsp;Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have&nbsp;satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct&nbsp;Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.&nbsp;SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct&nbsp;Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on&nbsp;checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at&nbsp;<a href="https://d32ijn7u0aqfv4.cloudfront.net/wp/wp-content/uploads/raw/SoFi-Bank-Rate-Sheet-September-23-2026.pdf">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> That's way better than the measly 0.38% APY (as of 10/19/26)⁴ <p>Based on <a href="https://www.fdic.gov/national-rates-and-rate-caps">this</a> FDIC data, as of 6/15/26.</p> national average savings accounts offer. 

No monthly fees and no surprises. Open your account and earn up to a $400 bonus

Try a simple side hustle in your free time

If you have a few free hours on evenings or weekends, you could drive for Uber or Lyft, deliver for DoorDash or Instacart, sell handmade or digital products on Etsy, rent out a spare room on Airbnb, or freelance your existing skills on Fiverr or Upwork — all low-commitment options that can fit around a full-time job and start generating extra income quickly.

Pay no interest into 2028 on purchases with this no annual fee card + earn $200 intro bonus 

If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to pause credit card interest into 2028 ... and the best part is that it could be easier than you think.  

Discover it^® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 18.74% - 28.74% (Variable); Balance transfer fee applies.) That's right — you can now finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges — all with no annual fee.

But it doesn't end there. The Discover it^® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

Even better, you can now receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

Apply now for the Discover it^® Cash Back card

Earn a $200 bonus with this incredible cash back card

The Chase Freedom Unlimited^®(Rates and fees) lets you earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. 

In addition to this welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0. 

It's almost a no-brainer to apply. 

Good or excellent credit (typically 670 or higher) is recommended.

Click here to Apply Now to the Chase Freedom Unlimited^®

How Ohio homeowners are preventing roof rot, mold, and foundation damage for good

Most homeowners think of gutters as just a cleaning chore. The bigger risk is what happens when they clog. Overflowing gutters can lead to water damage, roof rot, mold, even foundation problems, the kind of repairs that run into the thousands.

If you own a home in Ohio, HomeBuddy offers a powerful, one-of-a-kind gutter guard built to prevent exactly that. Their micromesh filter keeps common debris out, so your gutters stay clear and your home stays protected. And because it actually works, you may be able to stop hiring gutter cleaners altogether. The company will even clean out and realign your gutters before they install.

Don't waste money on cheap, ineffective guards that claim to be clog-free. This one's built to last.

See if you qualify today: Click the link below, enter your ZIP code and home info, and a representative will reach out to schedule a free estimate.

See if you qualify

Offer Ending Soon: Earn a $250 Bonus with this no annual fee card

Right now the Chase Freedom Flex^®(Rates and fees) lets you earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer). 

In addition to this welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0. 

It's almost a no-brainer to apply — this card might the best-in-class amongst similarly-featured credit cards, especially with the bonus.  

Good or excellent credit (typically 670 or higher) is recommended.

Click here to Apply Now to the Chase Freedom Flex^®

Not retired? You can still join AARP for massive discounts and your first year is just $15

Think AARP is only for retirees? It isn't. Anyone 18 or older can join, and your first year costs just $15 (about $1.25 a month)! An AARP membership gets you massive discounts on:

• Restaurants (save up to $450 per year!)
• Airfare, hotels, cruises and rental cars
• Meal deliveries
• UPS shipping
• Eyeglasses and even prescriptions that aren't covered by insurance

Plus you'll also get insider info on health and wellness and you can add a partner for free. That’s twice the perks and potentially hundreds saved for just $15. It basically pays for itself.

Joining takes about two minutes:

1. Click the link below, choose your free welcome gift, and select "Join Today"
2. Create your account by answering a few quick questions
3. Start enjoying your discounts and perks!

Join AARP for only $15 your first year (renews at $20/yr). Start saving today.

Earn up to a $3,000 bonus with this checking account

We hate to tell you this, really. But if you've never banked with HSBC, you're missing out on extra cash — as much as up to $3,000. Don't worry though … It's easy to fix.

New clients can earn up to a $3,000 Cash Bonus⁵ <div class="hsbc-premier-q4-2026-terms"> <p><strong>Q4 2026 New Customer Offer Terms and Conditions</strong><br> Offer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.</p> <p><strong>Definitions:</strong><br> “<strong>New Customer</strong>” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.<br> “<strong>New Money</strong>” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.<br> “<strong>Qualifying Balance</strong>” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. <strong>Consumer accounts/assets that are ineligible for Qualifying Balance</strong>: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.</p> <p><strong>Terms to Qualify for Cash Bonus:</strong><br> New Customer must meet each of the following requirements to qualify for the cash bonus:</p> <ul> <li>Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND</li> <li>Meet a Qualifying Balance of $50,000 or more of New Money in deposit and/or eligible investment accounts within 30 calendar days of opening the New Account; AND</li> <li>Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month. AND</li> <li>Remain opted-in to receive HSBC marketing emails.</li> </ul> <p>For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.</p> <p><strong>Cash Bonus Tier:</strong> The cash bonus amount is tiered and based on the Qualifying Balance, as follows:<br> Qualifying Balance: Cash Bonus<br> $50,000-$99,999.99: $1,000<br> $100,000-$249,999.99: $1,500<br> $250,000-$499,999.99: $2,000<br> $500,000+: $3,000<br> If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. <strong>Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.</strong></p> <p><strong>Important:</strong> The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria, you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.</p> <p><strong>Additional Terms:</strong></p> <ul> <li>Offer is non-transferable and available only to individuals who are at least 18 years of age.</li> <li>Your New Account must be open and in good standing at time of bonus fulfillment.</li> <li>All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.</li> <li>Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. <strong>New Assets cannot be applied to meet the requirements of more than one offer, unless the other offer(s) state otherwise.</strong></li> <li>For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.</li> <li>If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q4’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.</li> </ul> </div> when you open an HSBC Premier checking account⁶ <div class="hsbc-premier-qualification-criteria"> <p>To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.</p> <ul> <li>Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR</li> <li>Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR</li> <li>Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included</li> <li>Consumers who maintain Private Bank status</li> </ul> <p>You will not be assessed a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the “Waiver Period”), whether you meet the qualifying criteria or not. If immediately after the “Waiver Period”, you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account.</p> </div> by December 31, 2026. Add your preferred amount of deposits and/or eligible investments within 30 days, maintain your balances for 3 full consecutive months, and remain opted-in to receive HSBC marketing emails.

• Get $1,000: Deposit or invest $50,000 to $99,999
• Get $1,500: Deposit or invest $100,000 to $249,999
• Get $2,000: Deposit or invest $250,000 to $499,999
• Get $3,000: Deposit or invest $500,000+

HSBC is a premium bank you'll love. You'll manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles. And you'll get access to a personal Wealth Relationship Manager to help you reach your goals.

This is a great way to supercharge your earnings. But hurry, this up to $3,000 Cash Bonus won't last forever. Open an account today and add qualifying new deposits to take advantage of this significant bonus while it lasts!

Open your new HSBC Premier checking account here

Diversify your hard-earned retirement savings with gold

GoldTrustGuide is actively helping Americans find greater retirement security with precious metal investments like gold. In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold increased by 25%.⁷ <p><a href="https://www.forbes.com/sites/conormurray/2026/01/28/gold-price-surpasses-record-5300-amid-weakening-dollar-fed-independence-concerns/">Source</a></p> They match you with top-rated providers offering physical gold and silver IRAs with a proven track record during unstable markets.⁸ <p>Investments carry risk, including loss of principal. Past performance is not a guarantee of future performance.</p>

Protect your savings today in 3 easy steps:

1. Answer 4 quick questions on your goals and timeline.
2. Get matched instantly with a top-rated provider suited to your goals.
3. Speak to a specialist for a free, no-obligation consultation.

They hold a Top Rated designation from the Business Consumer Alliance and earn a 4.7-star rating on Trustpilot and 4.8 stars on Google. Get your free Gold IRA match today.

Earn 75,000 bonus points — worth up to $1,125 towards travel

If you're planning a trip, apply for the Chase Sapphire Preferred^® Card (Rates and fees) here and you can earn 75,000 bonus points after spending $5,000 in the first 3 months — that's worth up to $1,125 toward travel through Chase Travel℠!

Plus, earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, vacation homes at top brands, gas & EV charging, top streaming services, and online groceries (excluding Walmart, Target, and wholesale clubs); 2X points on all other travel purchases, and 1X points on all other purchases — with a low annual fee of $95 and no foreign transaction fee.

The card could pay for itself quickly: you'll earn up to $100 Chase Travel hotel credit each anniversary year, get a complimentary year of Apple TV (a $180 value, must activate by 12/31/26), and up to $120 toward Global Entry, TSA PreCheck, or NEXUS every four years.

If you travel even once a year, this card could net you $100s in rewards to use toward travel. Don't delay. Apply today!

Click here to apply for the Chase Sapphire Preferred^® Card now

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

Earn up to 5% cash back at restaurants and on entertainment and utilities when you activate this incredible offer

There's a credit card that's making waves with its amazing welcome bonus and benefits. Apply for the Discover it^® Cash Back (Rates and fees) and you can earn up to 5% cash back at restaurants and on entertainment and utilities now to December 31, 2026, on up to $1,500 in purchases when you activate.

There's no annual fee — plus, you'll earn 1% cash back on all other purchases automatically. The generous welcome offer provides top-notch cash back rewards since you can receive a $200 statement credit when you spend $500 on purchases in your first 3 months of account opening. Plus, Discover will match all the cash back you’ve earned at the end of your first year (terms apply).

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 18.74% - 28.74% (Variable) (balance transfer fee applies). That means you could use this card to fund large purchases or even help tackle your debt. If you're traveling this summer or want to earn more on beauty essentials, this card is practically a no-brainer!

Click here to apply now for the Discover it^® Cash Back.

Ohio residents, save big on new windows

Old windows drive up your home's electric bill. But if you live in Ohio and your windows are 5+ years old, you could save big.

Renewal by Andersen is actively helping homeowners score huge savings. Their certified master professionals install high-quality, energy-efficient windows that could help reduce energy bills and improve comfort.

They make it extremely easy to upgrade your windows with financing options available and special limited-time offers. The entire process is hassle free.

Get started now if you check these 3 boxes:

1. You own your home.
2. Your windows are 5+ years old.
3. You live in an available ZIP code.

Complete this short questionnaire to get started

BONUS: For a limited time, buy one get one 40% OFF.⁹ <p>DETAILS OF OFFER: Offer expires 12/31/2025. Not valid with other offers or prior purchases. Buy one (1) window or entry/patio door, get one (1) window or entry/patio door 40% off, and 12 months no money down, no monthly payments, no interest when you purchase four (4) or more windows or entry/patio doors between 9/30/2025 and 12/31/2025. 40% off windows and entry/patio doors are less than or equal to lowest cost window or entry/patio door in the order. Additional $200 off your entire purchase, minimum purchase of 4 required, taken after initial discount(s), when you purchase by 12/31/2025. Subject to credit approval. 12-month Promo Period: while no payments are due, interest accrues but is waived if the loan is paid in full before the Promo Period expires. Any unpaid balance owed after the Promo Period, plus accrued interest, will be paid in installments based on the terms disclosed in the customer's loan agreement. Financing is provided by various financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. Savings comparison based on purchase of a single unit at list price. Available at participating locations and offer applies throughout the service area. See your local Renewal by Andersen location for details. License numbers available at renewalbyandersen.com/license. Some Renewal by Andersen locations are independently owned and operated. See Renewal by Andersen® Products and Installation Transferable Limited Warranty for detail "Renewal by Andersen" and all other marks where denoted are trademarks of Andersen Corporation. ©2025 Andersen Corporation. All rights reserved.</p> Plus, get $200 off your purchase!⁹ <p>DETAILS OF OFFER: Offer expires 12/31/2025. Not valid with other offers or prior purchases. Buy one (1) window or entry/patio door, get one (1) window or entry/patio door 40% off, and 12 months no money down, no monthly payments, no interest when you purchase four (4) or more windows or entry/patio doors between 9/30/2025 and 12/31/2025. 40% off windows and entry/patio doors are less than or equal to lowest cost window or entry/patio door in the order. Additional $200 off your entire purchase, minimum purchase of 4 required, taken after initial discount(s), when you purchase by 12/31/2025. Subject to credit approval. 12-month Promo Period: while no payments are due, interest accrues but is waived if the loan is paid in full before the Promo Period expires. Any unpaid balance owed after the Promo Period, plus accrued interest, will be paid in installments based on the terms disclosed in the customer's loan agreement. Financing is provided by various financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. Savings comparison based on purchase of a single unit at list price. Available at participating locations and offer applies throughout the service area. See your local Renewal by Andersen location for details. License numbers available at renewalbyandersen.com/license. Some Renewal by Andersen locations are independently owned and operated. See Renewal by Andersen® Products and Installation Transferable Limited Warranty for detail "Renewal by Andersen" and all other marks where denoted are trademarks of Andersen Corporation. ©2025 Andersen Corporation. All rights reserved.</p>

Tap the equity in your home without adding another monthly payment (home must be worth at least $200,000)

If you own the home you live in but don't want to touch your mortgage rate or go for a traditional HELOC, a Home Equity Investment Product, or HEI, could be perfect.

How it works: A HEI bets that your home's value will go up. They give you cash now, and when you sell, refinance, or pay back in cash, you give them a small portion based on how much your home is worth then.

(By the way, if your home value decreases, the value of the percentage home equity investor is entitled to also decreases. That could be a lot safer for you.)

They work with single family homes, condos, townhomes, and 2- to 4-unit properties. No mobile or manufactured homes. Use the money however you like. Pay off debt, renovate, invest … all without worrying about additional monthly payments OR touching your current mortgage.

Why choose a HEI?

• Cash Payment Now: You can qualify to get between $15,000 to $500,000 in one lump-sum cash payment.
• Have a home worth at least $200,000.
• No income requirements.
• Don’t want to affect your current mortgage.
• Don’t want monthly payments.

Answer a few questions here to see if you pre-qualify in less than 2 minutes (see how much you can get)

Save an average of $28,000 over the life of your loan (including refinancing)

Too many homeowners overpay on a mortgage they could have easily refinanced. You don’t have time to call around and compare, so you stay with the loan you have. But now a free service will do it all for you — and it could put an average of $28,000 back in your pocket.

It's called Own Up. It compares refinance offers from top-rated lenders, so they compete for your business and could help you find a good refinance deal.¹⁰ <p>Own Up is a mortgage lead-generation and comparison service. RateGravity, Inc. d/b/a Own Up arranges introductions to participating lenders but does not make loans or credit decisions. Own Up is compensated by participating lenders. Own Up matches you with participating lenders based on your profile. Lender participation varies and does not guarantee multiple offers or competitive bidding. Not all lenders, products, or shopping experiences are available, and availability may vary by consumer profile and loan program. Rates, terms, and availability vary. Lender ratings reflect consumer reviews and/or third-party data. RateGravity, Inc. d/b/a Own Up NMLS #1450805. For consumer information, visit <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org.</a></p> There’s no hard credit pull¹¹ <p>Exploring options with Own Up does not require a hard credit inquiry; however, a lender may require a hard inquiry and additional personal information, including a Social Security number, to proceed with an application.</p> and you get to compare options side by side, almost instantly.¹² <p>Shopping experiences is offered to select customers only, your interaction with Own Up might not include shopping experience. Not all lenders or products are available, and availability may vary by consumer profile and loan program. Rates, terms, and availability vary.</p>

Think about it this way: On a hypothetical $400,000 mortgage at 7.00% APR, you'd pay over $558,000 in interest over 30 years. Drop that rate just half a percent to 6.50% APR and you'd pay around $510,000. That's about $48,000 back in your pocket, just from shopping around for a better rate.¹³ <p>For illustration purposes only. Rates shown are not offers of credit.</p>

Own Up customers save on average $28,000 over the life of their loan,¹⁴ <p>Savings are not guaranteed. Results vary based on borrower qualifications, loan terms, fees, and market conditions. See <a href="https://www.ownup.com/methodology">ownup.com/methodology</a> to see how the savings were calculated. and it costs you absolutely nothing to find out how much you'd save by refinancing. See what you could qualify for at the link below before you make another payment at your current rate.

Check your refinance rates 100% free here

Alert: American adults lost $47 billion to scams and fraud in 2025

That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2025.

But you can safeguard your data with all-in-one scam and fraud protection services from OmniWatch, which comes with up to $2,000,000.00 in identity theft insurance,¹⁵ <p>Restrictions and exclusions apply, <a href="https://app.omniwatch.com/insurance-disclosure">click here to read full details of insurance coverage</a>. Residents of New York receive $1 million of coverage and are not eligible for ransomware or scam protection coverage. <a href="https://app.omniwatch.com/insurance-disclosure-ny">Click here for New York insurance summary</a>.</p> to cover eligible losses and fees should you experience them.

Plans start at $11.99 per month and can include comprehensive protection like 24/7 monitoring and alerts, dark web scanning to identify breached personal data (like your SSN and banking info), antivirus and VPN apps for device security, and expert restoration services at no extra cost.

Right now Omniwatch is offering a free dark web scan to check for vulnerabilities. Before you make your next online purchase, protect what you’ve built for a fraction of what it could cost you if your data were compromised. 

Start your free dark web scan here here

Ask this company to help resolve your credit card debt

If you’re making minimum payments but feel like your debt isn’t going anywhere, you’re not alone. Between credit cards, medical bills, collections, and personal loans, it can be difficult to know where to start — or how long it could take to finally get ahead.

Freedom Debt Relief could help. If you have +$20,000 in credit card debt, their certified debt specialists may be able to negotiate with your creditors to settle your debts for less than you owe.

Based on a plan that fits your budget, you could have one affordable monthly deposit, that could be lower than your current minimum payments.

Best of all? There are no upfront settlement fees (they only get paid once they deliver results) and they may be able to help you resolve your debt in as little as 24-48 months. Plus, they even offer a program guarantee.¹⁶ <p>Freedom Debt Relief (FDR) enrolls only unsecured debts, such as unsecured loans and credit cards. Any claims including 'debt-free' statements are only referring to enrolled debt. FDR is not a loan and does not provide relief for federally backed student loans or secured debt, such as auto loans or mortgages. All estimates for FDR's services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms, including your ability to maintain your program deposits. FDR's services are estimated to resolve your debt faster and for a lower amount than your current monthly minimum payments. Not all FDR clients are able to complete their program for various reasons, including their ability to save sufficient funds. FDR does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. FDR is not a lender, creditor, or debt collector and is not a credit repair organization and does not provide or offer services or advice to repair, modify, or improve your credit. FDR does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice. FDR's services are not available in all states and some programs may be offered through a law firm for legal services. FDR's fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. The use of FDR services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements FDR obtains on your behalf resolve the entire account, including all accrued fees and interest. It is expected that you read and understand all program materials prior to enrollment.</p> <p>This guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, we’ll use the combined total of all the debts you enrolled and settled and the fees you paid to us to calculate your eligibility for a refund. C.P.D. Reg. No. T.S.12-03825.</p>

To get started, just answer a few simple questions – it only takes a few minutes to see if you qualify!

Try Freedom Debt Relief

Turn your home’s value into funds

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

A home equity line of credit (HELOC) is another option some homeowners compare alongside cash-out refinances and home equity loans.

Using LendingTree’s simple HELOC matching tool¹⁷ <p>Terms and conditions apply. Rates subject to change. LendingTree, LLC. NMLS# 1136.</p> (yes, the company from the commercials), you can compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

To get started:

1. Check out LendingTree’s HELOC matching tool.
2. Answer a few questions.
3. Be matched with personalized offers for you.

Compare Offers

Bad Credit Holding You Back? Grow your credit score with this no annual fee card (plus earn unlimited 5% cash back rewards at grocery stores)

If you have bad or no credit and you aren't using the SoFi Smart Card, you could be missing out on the chance to grow your credit score just by following a few simple steps. 

The SoFi Smart Card could be a perfect option if you feel held back by a poor credit score. Even if your credit score is low, this card allows you to potentially grow your credit score by making on-time payments.¹⁸ <p>Grow your credit score: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. SoFi will report your Smart Card activity to Experian®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations.</p>  You also won't overspend with this card, because it's a secure card funded with money you already have. 

Even better, this card lets you earn unlimited 5% cash back rewards at grocery stores. That could be worth $100s in cash back for something you spend money on every single month.

If you're exhausted from the pain of a low (or no) credit score and you want to earn cash back on groceries at the same time, this card is practically a no brainer to help with both. 

Click here to apply for the SoFi Smart Card now

Protect your sensitive info from being stolen for less than $2 a month

Bad news. Your sensitive info could probably already be stolen. Companies sent out more than 278 million data breach notices last year alone,¹⁹ <p><a href=https://www.idtheftcenter.org/>https://www.idtheftcenter.org/</a></p> and Americans who reported an online crime in 2025 lost an average of $20,699.²⁰ <p><a href=https://www.fbi.gov/file-repository/2025_ic3report.pdf>https://www.fbi.gov/file-repository/2025_ic3report.pdf</a></p>

Even one compromised account could impact your credit score or potentially cost you a loan approval, and leave you dealing with unexpected expenses. But you could protect yourself for as little as $2 a month …

This tool called TotalAV checks your info against public breach databases and alerts you if it shows up. It also blocks fake websites that capture your bank, email, and social logins. And it even hunts down spyware built to snoop on your data and exploit you for money.

Independent testing labs rated it a top product in 2026. It works on your computer, phone, and tablet, and annual plans include a 30-day money-back guarantee.

Don't wait. Lock in protection for less than $2 a month today.

Excellent 4.5/5

Access up to $150 per day of your paycheck

If you need a few dollars in between paychecks, a little daily cushion can go a long way.

With the EarnIn app you can access up to $150 per day of your paycheck and with a max of $1,000 per pay period.²¹ <p>EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit <a href="https://www.earnin.com/">EarnIn.com</a> for full details</p>

Yes, you read that correctly. You have the option to access your pay as you work and not have EarnIn charge you at all.

You even have the option to access the money within minutes for a small fee.²² <p>Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. See the <a href="https://www.earnin.com/privacyandterms/terms-of-service/fees">LS Fee table</a> for details.</p>

The best news? There is no credit check, no interest, no late fees – ever.

How to get started:

1. Visit EarnIn and create an account.
2. Link your bank and employment info.
3. EarnIn will verify your paycheck and you’re all set!

Get started with EarnIn here

If you're booking a trip to Disney, get a $100 gift card to use today upon approval (no strings attached!) 

If you're booking a trip to Disney, apply for the Disney^®Visa^® Card (Rates and fees) credit card here and you can get a $100 gift card eGift to use today upon approval! 

There is no extra work beyond being approved for the card to receive the gift card, and no annual fee! 

Plus, you can earn an additional $50 statement credit after spending $500 in the first 3 months and earn 1% in Disney Rewards Dollars on all purchases. And you can pay 0% intro APR on select Disney vacation packages for 6 months from the date of purchase (then 18.49% - 27.99% Variable). That means you can book your next Disney trip now, and pay it off over time. 

If you're planning a Disney trip or visit the parks regularly, this card is a no-brainer. Don't delay — apply today! 

Good or excellent credit (typically 670 or higher) is recommended.

Click here to apply for the Disney^®Visa^® Card and get a $100 gift card to use today upon approval

Set up direct deposit - pocket $400

I moved the money for the rate. Then I found out about the cash bonus during signup. SoFi is running a limited-time offer for new and existing Checking and Savings members who haven't previously enrolled in direct deposit. That's up to $400 in your pocket.

The Things I Didn't Know to Look For

The bonus was eye-catching but these are what actually made me stay:

• Getting paid up to two days early. Direct deposit hits before the scheduled payday, automatically. A small thing that could matter a lot at the end of the month.
• No fee structure to manage around. No monthly fee, no minimum balance fee, no overdraft fees. Plus 55,000+ fee-free ATMs in the Allpoint® network.
• FDIC insurance well past $250,000. Through the SoFi Insured Deposit Program, deposits may be insured up to $3 million across a network of participating banks. If your balance is heading toward six figures, this is the box to check.
• Checking earns, too. Not just savings. The checking balances earn 0.50% APY, which is more than my old bank paid on savings.

Open and fund a SoFi® account to earn your $400 bonus »

Pay no interest on balance transfers into 2028

Imagine getting 15 months with 0% intro APR on balance transfers (APR then 18.49% - 27.99% Variable). Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Chase Freedom Unlimited^®(Rates and fees).

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 15 months. Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest! After the intro period, the APR is 18.49% - 27.99% Variable. 

The best part? The annual fee is $0.

Click here to Apply Now to the Chase Freedom Unlimited^®