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You’ve made it. You own a home.
But along with the keys comes a never-ending list of bills, repairs, and expenses. Add a family to care for, a car to maintain, maybe even a cat or a dog — and suddenly life feels like one long to-do list. The costs pile up, the stress grows, and there’s less time left for your kids, your wife, and yourself.
The good news? As a homeowner with a family, a car, and maybe even a pet, companies love you. That makes you a valuable customer — and you can use it to cut insurance costs, guard against the worst kind of surprise (the ones that drain your wallet), and take advantage of today’s decreasing interest rates for better credit terms. We’ve gathered a list of trusted tools to help you save money, protect what matters, and free up more time and money to enjoy what you love with the people you love.
1. Avoid $1,300 Repair Bills
Choice Home Warranty could be the smartest move you make for your home this year. It’s helped thousands of homeowners dodge massive repair bills for a fraction of the cost. [2]
They’ve been around since 2008, and offer budget-friendly protection plans that cover major home systems and appliances when they fail from everyday use.
Example: Say your AC dies in the middle of the summer. Instead of shelling out $1,300 or more, you might just pay a low service fee, and Choice sends a pro to take care of it — fast. That’s serious peace of mind.
And right now, you can get special pricing + one month free & $50 off your plan — but only for a limited time. Their claims team is available 24/7, and getting started only takes a couple of minutes.
2. Find the Card That Will Maximize Your Rewards
Every dollar you spend could be earning you more if you're on the right card. With CardRatings' free CardFinder, you'll instantly see which credit cards give you the biggest perks (cash back, travel rewards, or low rates), tailored to your profile. It's 100% free, no commitment, and uses a soft credit check that won't affect your score.
Here's how it works: simply answer a few quick questions about your spending habits and financial goals, and CardFinder will generate a personalized list of the cards that best fit your needs. You'll be able to compare top issuers side by side, review the rewards and benefits each card offers, and clearly see which options could put the most money back in your pocket. The entire process takes just a few minutes, giving you a clear path to smarter rewards and savings without the guesswork.
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3. Drowning in Debt? There’s a Way Out
Drowning in debt? You’re not alone, and trying to climb out can feel overwhelming. But what if there was a way to break free?
may be able to help. If you owe more than $10,000 in credit card bills, medical expenses, or personal loans, they could help you resolve it for less than you owe with one affordable monthly payment.
There are no upfront fees, and some people become debt-free in as little as 24–48 months.[3]
4. Paying Far More Than You Should for Car Insurance
If you’ve been with the same insurer for years, you’re likely paying far more than you should.
Comparing prices can feel like a hassle, but staying put often means losing money every single month.
is a free, trusted site that compares real quotes from 100+ top insurers in minutes. Drivers who switched saved up to $1,025 a year, with some quotes starting around $29/month.
Just answer a few short questions about your car and driving history to see your lowest offers instantly.
Trusted by drivers nationwide and featured in Forbes, USA Today, Fox News, and NPR, Insurify is one of the most respected insurance marketplaces.
5. Skipping Pet Insurance and Hoping for the Best
You love your pet like family, but when something unexpected happens, it’s not just the worry that hits you. It’s the bill. A broken leg can cost over $3,000, a swallowed toy can run $2,500 or more, and even simple treatments for ear infections or allergies can top $300. Most pet owners don’t realize how fast it adds up until it’s too late.
That’s where Lemonade Pet Insurance changes everything. It helps cover unexpected costs from accidents, illnesses, diagnostics, and medication, so you can focus on your pet’s recovery instead of your wallet. Lemonade uses advanced AI to process claims incredibly fast, often approving payouts within minutes.
Pet owners rate Lemonade among the top choices for affordability and speed. Plans start at around $10 a month, and you can adjust your coverage to match your pet’s needs and your budget. Plus, Lemonade donates unclaimed premiums to animal charities through its annual Giveback program, helping pets beyond your own.
It’s easy to sign up, simple to manage through their app, and backed by thousands of verified five-star reviews. If you want peace of mind and protection that works when you need it most, .
6. Tap Into Your Home’s Equity—Without Touching Your Mortgage Rate
Planning a major purchase, consolidating debt, or making home improvements? A home equity line of credit (HELOC) could be a smart way to access the cash you need—without refinancing your mortgage.
A HELOC works like a credit card backed by your home:
- Borrow only what you need
- Make interest-only payments during the draw period (usually 10 years)
- Repay over time—typically up to 20 years
The advantage? Your existing mortgage rate stays intact. Plus, most HELOCs come with variable interest rates, so if market rates go down, your rate might too.
Bankrate simplifies the search. Their HELOC comparison tool lets you:
- Answer a few simple questions
- Instantly compare offers from top-rated lenders
Choose the best fit—fast, free, and with zero obligation
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7. Still Paying 20% Interest? You Could Cut That Massively
If you have credit card debt, you know that paying your bill each month is a stressful time.
wants to help. If you owe less than $100,000 in credit card debt, Credible can match you with loan providers that could help you pay off your credit card debt with a personal loan almost instantly.
They facilitate over 200 million loan requests a year — and it only takes minutes to check your options.
8. Keep Your Kids - and Your Wallet - Safe. PERIOD
Let me tell you — if you’re handing your kid a regular phone without protection, you’re making a HUGE mistake. The internet is a total mess. Creeps, scammers, garbage content — it’s out of control.
That’s why smart parents all over America are turning to Bark. Two incredible options, one mission: keep your kids safe and your wallet secure.
Install it on any device your kid already uses — phone, tablet, laptop. It monitors texts, YouTube, Snapchat, TikTok, Instagram — over 30 platforms. You get alerts for danger, bullying, predators, inappropriate content — you see what matters, not every message. Total game changer.
Now this is BIG. The Bark Phone looks like a normal smartphone — but it’s built from the ground up for parental control.
- You decide what apps they can use
- You control screen time
- You approve contacts
- You get location tracking in real time
No workarounds. No loopholes. You’re in charge.
And it’s not just about safety — it saves money too. No surprise charges. No shady app installs. Just peace of mind and smart parenting. Whether it’s the app or the phone, it’s the smartest move you’ll make all year.
9. Redeem Real Cash Prizes Playing These Games
This won’t make you rich by the weekend. But could help you redeem real cash prizes while you sit back and play classic games, from slots to blackjack.
It is free to join, you play with virtual currency - no purchase necessary - and some platforms even offer bonuses that multiply your coins for new players.
10. Paying the Same Old Car Loan
If your car loan hasn’t been updated in the last 18 months, you’re almost certainly overpaying. Most drivers keep paying the same high loan they signed years ago, even though interest rates have dropped and better deals are now available.
The smartest move right now is to use a marketplace where lenders compete for your business instead of applying to one bank at a time. The best option we’ve seen is , connecting you with a national network of over 150 trusted lenders offering their most competitive rates.
Drivers refinancing through AUTOPAY save $123.97 per month, and many see even bigger drops, often more than the cost of a full tank of gas. You also won’t make a payment for 45 days after approval, giving you instant breathing room and faster results.
It’s quick, secure, and 100% online. Over 700,000 drivers have already used AUTOPAY to lower their payments and lock in better terms while rates are still low.
