{"id":220945,"date":"2025-05-03T14:13:28","date_gmt":"2025-05-03T14:13:28","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/money-moves-smart-people-make-to-keep-more-of-their-hard-earned-cash-the-simple-dollar-3\/"},"modified":"2025-05-03T14:13:28","modified_gmt":"2025-05-03T14:13:28","slug":"money-moves-smart-people-make-to-keep-more-of-their-hard-earned-cash-the-simple-dollar-3","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=220945","title":{"rendered":"Money Moves Smart People Make to Keep More of Their Hard-Earned Cash \u2013 The Simple Dollar"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Managing money wisely isn\u2019t just about being frugal, it\u2019s about being strategic. Smart people know how to stretch their dollars further by taking advantage of the right tools and offers that protect wealth and fuel its growth.<\/p>\n<p>Here are some savvy financial moves you can make today to keep more of what you earn \u2014 and even make a little extra.<\/p>\n<h2 class=\"wp-block-heading\"><strong>1. Make Your Insurance Company Compete<\/strong><\/h2>\n<p>Most drivers stick with the same car insurance year after year\u2026 and that\u2019s just what the insurance companies are hoping for. Smart savers explore auto insurance quotes annually to find better rates for the same (or even better) coverage. And, it\u2019s actually much faster and easier to do than you might think.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Compare auto insurance offers with this fast and free insurance quiz from <a href=\"https:\/\/www.myfinance.com\/reporting\/32354991\/?mf_utm_campaign=thesimpledollar-auto-insurance-text-link\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"Coverage\" data-type=\"LINK\" data-position=\"1\" data-name=\"article-link\" data-outcome=\"EXTERNALLINK\">Coverage<\/a>. It takes just a few minutes and could save you hundreds a year.<\/p>\n<h2 class=\"wp-block-heading\" data-beam-element-viewed=\"\" data-id=\"br-h2-second-onpage-placement\" data-type=\"h2\" data-location=\"Personal Finance\" data-position=\"h2_second_placement\" data-name=\"h2_second_placement\" data-text=\"Money Moves Smart People Make to Keep More of Their Hard-Earned Cash\" data-outcome=\"\"><strong><strong>2. Ditch Credit Card Interest<\/strong><\/strong><\/h2>\n<p>Carrying a balance on a high-interest credit card? You\u2019re not alone \u2014 but you\u2019re also paying way more than you should. A 0% intro APR balance transfer card allows you to take a break from those nagging interest payments.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Take a look at this <a href=\"https:\/\/oc.brcclx.com\/t?lid=26757501\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"list of highly-rated 0% balance transfer credit cards\" data-type=\"LINK\" data-position=\"2\" data-name=\"article-link\" data-outcome=\"EXTERNALLINK\">list of highly-rated 0% balance transfer credit cards<\/a> from Bankrate.com to get started.<\/p>\n<h2 class=\"wp-block-heading\"><strong><strong>3. Get Expert Help from a Financial Advisor<\/strong><\/strong><\/h2>\n<p>A financial advisor can help you build a strategic retirement plan, optimize your investments, and ensure you\u2019re making the best financial decisions for your future.<\/p>\n<p>If you\u2019re like most folks, you have questions or reservations about how much it could cost to work with an advisor, but did you know that with an advisor could increase your long-term savings by up to 3% per year? For example, on an initial portfolio of $500k, you could see $1.74m in incremental returns over a 25 year period by working with a professional to manage your finances. With a potential outcome like this, it\u2019s worth it to explore this option.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Use this <a href=\"https:\/\/bankrate.com\/landing\/thesimpledollar\/financial-advisor-options\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"free quiz\" data-type=\"LINK\" data-position=\"3\" data-name=\"article-link\" data-outcome=\"INTERNALLINK\">free quiz<\/a> to find a certified financial advisor match and start optimizing your retirement strategy. It\u2019s never too late (or early) to start!<\/p>\n<h2 class=\"wp-block-heading\"><strong><strong>4. Take Control of Your Spending with Smart Budgeting Tools<\/strong><\/strong><\/h2>\n<p>Tracking expenses and managing budgets isn\u2019t fun \u2014 but it\u2019s essential (seriously).<\/p>\n<p>Smart people make it easy on themselves by using budgeting platforms that automate the process and offer real-time insights.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Try <a href=\"https:\/\/monarchmoney.sjv.io\/BnbWny\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"Monarch Money\" data-type=\"LINK\" data-position=\"4\" data-name=\"article-link\" data-outcome=\"EXTERNALLINK\">Monarch Money<\/a> to create a custom budget, track your spending, and stay on top of your financial goals with ease.<\/p>\n<h2 class=\"wp-block-heading\"><strong>5. Open a High-Yield Savings Account<\/strong><\/h2>\n<p>Smart savers don\u2019t let their cash sit idle in low-interest accounts. They use savings accounts that earn competitive interest, helping their savings grow without lifting a finger.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Explore <a href=\"https:\/\/www.bankrate.com\/landing\/thesimpledollar\/best-savings-options\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"high-yield savings account options\" data-type=\"LINK\" data-position=\"5\" data-name=\"article-link\" data-outcome=\"INTERNALLINK\">high-yield savings account options<\/a> that pay the most competitive rates.<\/p>\n<h2 class=\"wp-block-heading\"><strong><strong>6. Unlock the Equity in Your Home<\/strong><\/strong><\/h2>\n<p>If you\u2019re a homeowner, you may be sitting on thousands or even tens of thousands of dollars in untapped equity. That\u2019s money that can be used to consolidate debt, renovate, or fund other big expenses at a lower interest rate than credit cards.<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Use a <a href=\"https:\/\/www.bankrate.com\/home-equity\/heloc-rates\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"home equity loan or line of credit\" data-type=\"LINK\" data-position=\"6\" data-name=\"article-link\" data-outcome=\"INTERNALLINK\">home equity loan or line of credit<\/a> to tap into your home\u2019s value and put your equity to work for you.<\/p>\n<h2 class=\"wp-block-heading\"><strong><strong>7. Build (or Rebuild) Your Credit <em>Fast<\/em><\/strong><\/strong><\/h2>\n<p>Good credit opens doors to better interest rates, home ownership, and more financial freedom. Whether you\u2019re just starting out or need to increase your score due to less-than-perfect history, the Self app can help. It\u2019s surprisingly easy!<\/p>\n<p><strong>Make the smart move:<br \/><\/strong>Check out Self.com to <a href=\"https:\/\/ir.self.inc\/GKG6jL\" target=\"_blank\" rel=\"noreferrer noopener\" data-beam-element-clicked-no-delay=\"ElementClicked\" data-location=\"content body\" data-text=\"see how the credit building process works\" data-type=\"LINK\" data-position=\"7\" data-name=\"article-link\" data-outcome=\"EXTERNALLINK\">see how the credit building process works<\/a>.<\/p>\n<h2 class=\"wp-block-heading\"><strong><strong>Final Thoughts<\/strong><\/strong><\/h2>\n<p>Smart money moves don\u2019t require a finance degree \u2014 just a willingness to take advantage of the right tools, at the right time.<\/p>\n<p>Whether you\u2019re reducing expenses, or optimizing wealth generation, these strategies can help you make the most of your money today.<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Managing money wisely isn\u2019t just about being frugal, it\u2019s about being strategic. Smart people know how to stretch their dollars further by taking advantage of the right tools and offers that protect wealth and fuel its growth. Here are some savvy financial moves you can make today to keep more of what you earn \u2014 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[2475,2459,71355,832,11379,3794,2961,576],"dealstore":[],"offerexpiration":[],"class_list":["post-220945","post","type-post","status-publish","format-standard","hentry","category-finance","tag-cash","tag-dollar","tag-hardearned","tag-money","tag-moves","tag-people","tag-simple","tag-smart"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Money Moves Smart People Make to Keep More of Their Hard-Earned Cash \u2013 The Simple Dollar - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=220945\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Money Moves Smart People Make to Keep More of Their Hard-Earned Cash \u2013 The Simple Dollar - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Managing money wisely isn\u2019t just about being frugal, it\u2019s about being strategic. 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