8 Simple Easy Money Moves You Should Make Before the End of the Day

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Once in a while or, in some cases, often, we have this “Oh, I can do it next time” moment. However, when it comes to managing finances, such a delay tactic may cause adverse effects.

True, it can be overwhelming to tackle your finances especially when you don’t like the state of your finances. Having said that, it is always best to face reality right away and make the necessary course of actions to avoid future problems.

Ask a financial adviser what schools are lacking, and they would probably say “money management courses.” Generally, a lot of people lack basic skills in simple money management. There are a lot of things to consider – budget plan, savings plan, debt-repayment strategy, good credit score and even retirement plan.

That said, you don't need to take money management courses to figure out some basic money moves to make a big, positive impact on your finances.

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8 Simple Easy Money Moves You Should Make Before the End of the Day

Here are some finance tips that will help you manage your money toward a healthier financial future.

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1. Look at your credit score.

The most challenging thing to do is to identify where to start with fixing and managing your finances. If you have 10,000 things in mind, where in the world would you start?

The answer is to look at your credit first.

Know first what you’re dealing with. That’s exactly what you get from a credit report. You’ll know what you owe, how much you owe, and to whom you owe.

By law, you are entitled to obtain credit reports once every 12 months through Annual Credit Report.

While it's good to see your credit report once a year, so many things can happen in 12 months. That's why is better to track your credit daily and monthly for FREE. You can do that through Credit Sesame for FREE.

It will help you understand what’s on your credit report and explain to you every detail you need to know why you have that credit score. It also provides resources to pay off your debt fast, build your savings fast, among others. 

My family uses it. Now, we're sitting on $400K savings and paid off $70K a couple of years ago. 

In a nutshell, it makes it simple for an average Joe like us to understand our credit situation, which directly affects our financial well-being. There's no ifs or buts or gimmicks with Credit Sesame. That's what I really like about it.

There are more great things about it than described above. Click here to use Credit Sesame now for FREE and discover the benefits it will bring to you.

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Read: 20+ Best Apps That Pay Hundreds


2. Cut down on your grocery bill.

Admit it, our grocery bill is a big chunk of our monthly expenses. According to the US Department of Agriculture, in total, Americans spend 11% of their over income on food.

If your take-home pay is $5,000, then, your grocery budget is $550. It's more if you have more members in your family. Do you know you can cut it down to a bare minimum and still eat the best?

Take it from my family. My family of 6 lives off of $150-$200 per month. We do that by meal planning using PlateJoy

PlateJoy is a meal planning service that sends us a super yummy meal plan and shopping list per week. Each meal costs us around $2 per person or less. At times, it's $2 per day (not per meal).

My family uses PlateJoy and we've eaten way more for way less. We found ways to reduce our grocery bill and increase the quality and quantity of food we eat. How I wish we started using this meal plan before.

If we can squeeze our grocery budget down to an unbelievable amount, so could you. Sometimes, you just have to do it. After all, PlateJoy only costs around $7/mo. You have little to nothing to lose, but a lot to gain. That's how I see it.

Start your 100% risk-free trial membership here with the PlateJoy Plan.

Note: Subscription is as low as $8.00/mo for 12 months. With the exclusive discount code PRACTICAL10 I negotiated for my readers, it's even way less as you get $10 off. We end up paying $7.00/mo.

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3. Create a new bank account and don’t touch it.

Some people have found that it’s hard not to dip their fingers into their easily accessible accounts.

One way to help you save money is to create a new bank account, make a direct deposit in that account, and forget about it. Better yet, create one from banks that offer high-interest rates. One of those banks is CIT Bank.

For one, CIT has a Premier High Yield Savings account with annual percentage yield  (APY) of 1.55%, which is 21 times higher than the average APY. Banks pay close to 0% in your savings.

This is ideal for bulking up your savings account. When your stash of savings is large enough, you can use the interest for investing, buying what you need, among others. Seriously, you just need to think that you're stashing money to an account that exists, but you don’t acknowledge that it exists.

That’s exactly what I did. After 6 months, I checked my account and found $1,200. That’s $1,200 I didn’t think I had. After just a year, I had $3,100.

That account has now become my emergency fund account. It’s growing every month (I know it is because I make direct deposit on it), but I have never used it even for a couple of cents.

Banks like CIT Bank is where your money will grow and not where banks can make money from you. That's the kind of bank you want your money in.

Click here if you want your money to grow with CIT Bank.

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4. Start negotiating your bills.

Ever wondered how much your credit card transactions or subscriptions are?

With all the subscriptions we have from different services – magazine, Netflix, Spotify and even other web services, keeping track of these services can be hard at times. 

You’ll end up paying a subscription that isn’t helpful in your everyday life, and you may wonder why you pay big bucks every month.  

My co-worker's finance professor recommended an app that manages your subscription, set up spending alerts and check your balance. Trim is a free personal finance assistant that negotiates your bills on your behalf.

It analyzes your accounts and searches for ways to save you money on everyday expenses like utilities, cable/internet bills, insurances, and more.

It is easy to use and so effective that last month alone, Trim users saved over $1,000,000 for its customers. Trim cut our on-contract Verizon phone bill by $16.75/mo. That's $201/year. (see my bill's images below).

Click here now to start using Trim for FREE and let it start cutting your expenses just like it did for people like me.

Read: 20+ Best Apps That Pay Hundreds

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5. Start a side hustle or a couple of side hustles.

Sometimes, no matter how much we cut down, there isn't enough money to pay our financial responsibilities and save money at the same time. If this is your situation, then, it's best to get some side hustles going.

When it comes to passive income, you really don't always need to go out to make extra money. There are online opportunities that will help you make money doing things you already are doing. Some of the side hustle ideas include:

Blogging. If you love writing and sharing your thoughts, then, blogging is for you. You can start and monetize your blog and earn a ton of money. I know bloggers who make $100,000/mo spending less than 20 hours/mo on their blogs.

Personally, I’ve been blogging for a little over 2 years now and am making over $20K/mo blogging for 5 hours or less a month. Blogging makes more money that my wife and I’s combine salary per month.

You know you can create a blog for $2.95/mo, which is a special price I personally negotiated for my readers. For a cost of a cup of coffee, you have little to nothing to lose but a lot to gain.

I never thought I could make $10 and not even $20,000, but I am proof. If I could do it, you could possibly do it, too.

There are also some really great survey sites I believe you can try out for some real opportunity to earn. Between blogging and taking surveys, I make close to $21K per month:

  • Ipsos I-Say (The first and the most trusted survey site we personally have used)
  • Survey Club  (Potentially make at least $50 per survey; As high as $115/survey)
  • MyPoints (Desktop l Mobile) (Earn up to $50/survey; $5 Bonus after first five surveys)
  • Vindale Research (Earn $2 bonus for signing up; I’ve earned more than $1,100 so far)
  • MySurvey (Earn 2,000 points as a sign-up bonus; It has paid $32M+ since 2014)

Read: 7 Perfect Jobs For Stay-Home Parents To Earn Easy Money

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6. Get a budget and stick with it.

The foundation of effectively managing your money is having a budget and sticking with it. Yes, I can hear what you’re saying right now, that is, it’s easy to say, but hard to do.

If you aren’t sure where to begin or don’t know where to begin, you can start with using the 50/30/20 budgeting method. It goes like this:

  • 50% of your income goes toward essentials.
  • 20% goes toward financial goals.
  • 30% goes toward personal spending.

In addition to this, you can use Spentapp as well. It automatically analyzes your expenses, identifies your money mistakes, and recommends actions to improve your finances.

When you don’t know what to cut down, where to begin or how, Spentapp is your best companion. You want to trim expenses where it makes the most sense. Spentapp will help you with that.

Just set up an account here, link an account, and that’s it. Spentapp will do the rest.

Note: Spentapp can also help you get easy money/cashback up to 45% for things you normally buy.

Click here to get Spentapp for FREE. It’s a simple tool that works. And for people who’ve never been great at money decisions, using Spentapp is all the more important.


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7. Try to Eliminate Late-Payment Habit.

When using a card, either credit card or debit card, always remember its pros and cons.

Whenever you use your credit card, you can earn travel rewards, cash back or any beneficial incentives that your credit card offers.

But if you don’t pay off your balance every month, you’ll end up paying interest and drown yourself in debt. Not to mention that you’ll get slapped with the dreaded late payment fee for every late payment.

Worried you’ll overspend or even forget to pay your bill in full and on time? A new product called Debitize basically turns your credit card into a debit card for FREE. 

It offers an innovative concept to something so ordinary. Whenever you swipe your credit card, Debitize pulls that amount of money you spend on your bank account. It stores that accumulated amount and it will pay off your balances a week before your due.

You’ll still get those credit card perks and rewards while enjoying the luxury of having good credit score and also without you worry about getting drown with debts.

Sounds like a win-win situation to me.

Click here to start using Debitize for FREE. This app will be your ultimate help to stop paying late payments and get you on track to managing your finances for good.

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8. Start investing in the stock market.

You can make a lot of money and lose a lot of money in the stock market. Unfortunately, people tend to focus on the latter part and that’s why they don’t invest in the market.

Fortunately, the yearly average stock market return is 10%. That’s way more than the interest your bank pays your money.

I started investing a couple of dollars monthly a couple of years ago. Now, my investment is over $250,000, but I’ve only put around $40,000 in it. In short, my investment has grown 4 times.

If you want to try investing but are still holding back, you can start small by investing with Acorns, which offers a new concept of investing that's never been done before. 

I love Acorns. It’s an investment app that simply rounds your credit/debit card purchases to the nearest dollar and invests the change in the stock market. 

With Acorns, you can literally own a portion of a stock or mutual fund for cents that weren’t possible before.

It only takes a few seconds to get it up and to run. You can even set it up once and forget about it. It provides a single-step single solution to the multi-level, complex, ever-confusing ways of investing in the market. It will roundup your purchases and invest those cents across 7,000 stocks and bonds to improve your return while reducing risk.

It will give you cash back offers far higher than those from the biggest cashback sites out there. You also get $5 bonus when you sign up using my link

Some of the great cash back offers include: AirBnB ($200), Walmart (1%), UBER Driver ($15), Sams Club ($10), DirectTV ($25), and Dish ($75).

I personally use Acorns and my cents have added up and grown to more than $2,000 in just 7 months. Crazy, right?

Sign up and start with Acorns here and get an easy money of $5 sign-up bonus. Get the full scope of benefits and more surprises when you start using Acorns.


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Bonus: If you're already investing, check the fees. 

If left unchecked, investment fees could be money suckers… by five figures.

According to Morningstar Research, the average expense charged by ETFs and mutual funds is 0.61%. It doesn't look alarming, but wait until you calculate the expense for the next 20 years or so.

For example, your $100,000 investment will incur $610 in fees a year. Invest that $610 for 25 years at 9%, then, the money would be around $57,100. That's a lot of money. Imagine the money you're losing if you have $150K, $200K, or $300K.

You've made a great step in securing your future by investing and growing your money. Your next step is to know exactly what you're paying for on your investments. Would you want to know if you really are making money from your investments?

That's where Blooom comes into play. You don't need to do the number crunching, look at the technical analysis, etc. Blooom will do that for you.

It's a FREE product that spots hidden fees, tells you if your portfolio is too aggressive or not, and finds out how much you could be missing out on by DIY-ing your 401k.

A lot of its clients cut their hidden investment fees by 46%. Blooom clients' collective lifetime fees saved is over $776,465,300 and counting. That's remarkable. Do you know how much you'll save in fees? You will with Blooom.

Click here to get your FREE analysis with Bloom and find out how much you'll save (Hint: Don't be surprised if it's in thousands of dollars).

Read: 7 Perfect Jobs For Stay-Home Parents To Earn Money

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Final thoughts:

These are the things I have done that have greatly impacted the way I save for easy money. A simple stride and an early start can make a big difference in how much you will have saved later on in life. Act now and do these moves before the end of the day.

Are you ready to make these simple money moves? Do you think you can make these moves work well for you?