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7 Easy Ways 35-Year-Olds Can Improve their Finances in 5 Minutes

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My friend Emily made $375,000 on Etsy in her first 2 years selling digital products. She's a new coach in the E-Printables online course teaching you how to get started with this side hustle too. She's a mom of two kids and does this part-time. Join us?

My friend Emily made $375,000 on Etsy in her first 2 years selling digital products. She's a new coach in the E-Printables online course teaching you how to get started with this side hustle too. She's a mom of two kids and does this part-time. Join us?

How to improve your finances in 7 easy steps - 5 mins of your time or less.

Mid thirty-something?  Here are 7 easy ways to improve your finances in 5 minutes or less.

 

1.  Cut cable and use streaming or TV antennas instead

Have you heard that a $30 antenna can give you access to 50+ channels for free?

This is the TV antenna I have and you literally just stick it on the wall and I get over 50 channels:

  • Indoor HDTV Antenna.

I use that along with my Amazon Fire TV stick and I’m super happy with the setup.

Also, the streaming company Hulu just announced a Live TV option for $39.99 and it includes the sports channels!

Check out Hulu Live TV here.

 

2.  Know your credit score

Your credit score is SO important, yet so few people know how to check it (for free).

It’s especially important to keep tabs on your credit score after the Equifax hack.

I personally use Credit Sesame, which is a free app that monitors my credit and notifies me if any suspicious activity happens in my name.

It also gives me suggestions to improve my credit score.

Sign up here for Credit Sesame (it’s free)

 

3.  Save money every time you buy online with cash back

I use Ebates, which is a website that gives you cash back on stuff you buy online.

Ebates also automatically scans for online coupons when you checkout so you can save more money.

Here is an example of what the Ebates browser tool looks like in action (ps – it only took me minutes to set up and I’ve saved hundreds ? so far this year).

ebates

Download Ebates here (it’s free)  and get a $10 bonus

 

4.  Stop living 1 to 2 paychecks in the future

This is easier said than done but many of us are living 1-2 paychecks in the future.

Meaning we spend so much on our credit cards that we have to wait until the next paycheck hits to pay it off.

Stop discretionary spending for just 2-4 weeks until you catch up to your paycheck.

 

stylish-wealthy-friends

 

5.  Pay less on your student loans by getting a better interest rate

Still have student loans?

I should have refinanced my student loans down to a lower interest rate, but I didn’t know I could do this.

Refinancing means another company “buys your debt” from your lender and you pay the new company instead at a lower interest rate.

This could lower your monthly payment for your loans and save you thousands of dollars in the long run.

We’ve already helped hundreds of readers refinance their student loans.

  • Take the survey here and see if you can refinance with the reputable company Sofi.

 

steps-better-financial-future

 

6.  Know your net worth

OK so this one might be the MOST important and yet it’s the most terrifying for some people.

Do you know your net worth? Like, if you added up all of your banking accounts, savings, investments, home value, etc., do you know what that number adds up to?

I use Personal Capital (free mobile app) to keep track of my net worth and it makes this pretty chart:

track-your-net-worth

Sign up for Personal capital using this link. (It’s 100% free).

Personal Capital also does expense tracking too so you can see where your money is going.

Unfortunately I know I’m spending way too much on food.

 

7.  Use all of the features of Amazon Prime

Many people have Amazon Prime today because the free 2-day shipping is killer for the holidays (LOVE IT).

Few take advantage of ALL of the benefits of Amazon Prime though.

Did you know that Amazon Prime comes with a free music streaming service, a free movie/tv streaming service (like Netflix) and many other money-saving features?

Sign up for Amazon Prime here and get a free 30-day trial.

 

So that’s it. 5 minutes from now, you should have a better financial future.

 

What are your favorite money saving tips?

 

Related Posts:

  • How I Paid Off $89,000 of Debt in 18 Months
  • Saving $26,000 in 7 Months

 

How to save more money in minutes | Financial steps to take to improve your finances (made easy)

 

PS – Subscribe to our email newsletter below for more money tips and best practices.

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Millennial Boss
Julie paid off nearly $100k of debt and is on her way to financial independence. She is the creator of the Make Money with Printables side hustle course where she teaches people how to sell printables on Etsy and blog as a side hustle.
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About Millennial Boss

Julie paid off nearly $100k of debt and is on her way to financial independence. She is the creator of the Make Money with Printables side hustle course where she teaches people how to sell printables on Etsy and blog as a side hustle. Learn more..

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Please note that Millennial Boss has financial relationships with certain merchants mentioned. Affiliate links may be used and commission earned in this post. While all attempts are made to present correct information, it may not be appropriate for your specific circumstances and information may become outdated. Copyright © 2021. All Rights Reserved.

About Millennial Boss

Millennial Boss is a lifestyle and personal finance blog created by Julie, who paid off six figures of student loan debt and is now on the path to financial independence and early retirement through side hustles. She lives in Seattle and teaches others how to start blogging and sell printables on Etsy.
Learn more here.

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