Do you find yourself with a few spare minutes each day with not much to do?
What if I told you that in just a few minutes each day, you can significantly improve your finances? There are a lot of tasks you can do if you have 15 minutes to spare. These aren’t hour-long tasks that you won’t be able to finish in a day – these are fairly quickly, often forgotten, and super easy to do.
Today, I’m going to share seven things you can do in just 15 minutes each that will have a marked impact on your finances.
These small tasks are easy but important and they can have a big impact on your money situation.
Table of Contents
1. Look for Your Missing Cash
There are millions of dollars sitting in state unclaimed property accounts. If you’ve ever moved, you may have left a deposit check behind. A bill may have been refunded. A tax return unclaimed.
Find out if you’re owed some money by visiting MissingMoney.com – endorsed by the National Association of Unclaimed Property Administrators.
You, or someone you care about, might be very happy you did!h
2. Answer Some Surveys
Want a few extra bucks in your pocket? Rewards sites, especially those with paid surveys, offer the opportunity to earn a little cash in your downtime.
Here’s our list of all the legit paid survey sites available.
3. Shop Through Cashback Sites
If you joined Swagbucks to do surveys, you can always use their shopping portal to earn points on the dollars you spend.
Otherwise, another popular site that you’ve probably heard of already is Rakuten (here’s our full Rakuten review). New users can get $10 when they join through our link and make $25 in qualifying purchases within 90 days. You’ll also get the cashback from making those purchases, effectively double-dipping with the bonus.
These and other cashback rebate sites are a great way to save money on your purchases.
4. Slash Your Investment Fees
You can’t predict what the stock market will do in the future (hopefully keep going up!) but you can check how much you’re paying. High fees are the secret investment killer because they invisibly erode your investments. Sometimes they’re unavoidable… sometimes you’re simply overpaying.
If you have a 401(k), get a free analysis from Blooom and find out if you’re getting the most out of it.
5. Get Paid Hundreds to Open a Bank Account
The days of free toasters and t-shirts are long gone. Banks are now willing to pay hundreds of dollars for new accounts – a prime example is Bank of America.
If you open a Bank of America checking account, you can get $100 when you:
- Open a new account through the Bank of America offer page December 31st, 2021 using their promotion offer code,
- receive at least 2 qualifying direct deposits of $250 or more within the first 90 days of opening your new account.
- Learn more here
Before you open an account, check online to find the best offers available.
6. Cancel Your Useless Subscriptions Automatically
A few years ago, I collected all the subscriptions I was paying for and realized I was wasting a ton of money on things I no longer cared about. $10 here, $15 there, it added up. I just didn’t have the energy to call up each of these places and cancel – that’s when I discovered Trim.
Trim is a free app that will cancel all this stuff for you. Absolutely free.
Just sign up, link up your accounts so it can find the subscriptions, then cancel the ones you don’t want. So easy.
7. Check Your Credit Reports
One of the most important numbers in your adult life is your credit score. That’s all based on your credit reports, which are held at three credit bureaus (Experian, Equifax, TransUnion).
Then, sign up for Credit Sesame (free) so that you can monitor your credit for free.
Fix any error you find immediately, no matter how trivial, because the fix can take a few weeks.
Don’t wait until you need a loan to do this!