5/25/2019 You’ve Managed to Get Past Overdrafting — Now What?

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7 Things to Do With Your Money Once Your Salary

Reaches $70,000
by Mike Brass eld UPDATED
MAY 22, 2019
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Some of the links in this post are from our sponsors. We provide you with accurate, reliable
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Remember overdrafting while you waited for your next paycheck to come — that
was the worst, am I right?

There’s not enough money in your bank account — so your bank gets its
revenge by helping itself to $35 of all that money you don’t have.

Ho ho ho, I just love overdraft fees, you say to yourself. What a fun game this is!
Thanks a lot, BANK.

But you’ve moved past that. You’ve nally reached a point in your life where
you have a real job and a grown-up income. It’s a sweet feeling and a serious
win. You’ve achieved a level of nancial stability, and you’re not getting hit with
these ridiculous fees.

What to Do Now That You Don’t Have to Worry About

Money So Much
Now that you’re not worried about running your bank account down every week,
it’s time to think about what you want to achieve next with your money. Do you
need to save more? Buy a home? Invest?

What’s the next step you should take? This is all part of adulting, you know.
What are some speci c things you can do you to take your nances to the next
level?

We’ve got some ideas for you:

1. Invest in Real Estate — Even If You’re Not Rich

Now that the ground beneath your feet is stable, it’s time to spread your wings
further.

Want to try real-estate investing without playing landlord? We found a company

that helps you do just that.

Oh, and you don’t have to have hundreds of thousands of dollars, either. You
can get started with a minimum investment of just $500. A company called
Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio

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This isn’t an obscure investment, though. You can see exactly which properties
are included in your portfolios — like a set of townhomes in Snoqualmie,
Washington, or an apartment building in Charlotte, North Carolina.

You can earn money through quarterly dividend payments and potential
appreciation in the value of your shares, just like a stock. Cash ow typically
comes from interest payments and property income (e.g. rent).

2. Secure $1 Million in Life Insurance for Just $25/Month

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ion=7%20Things%20to%20Do%20With%20Your%20Money%20Once%20Your%20Salary%20Reaches%20%2470%2C000)

Johnny Greig/Getty Images

“The biggest mistake I see millennials making is being duped by insurance

salesmen,” says Andy Yadro, a nancial planner with Googins Advisors in
Madison, Wisconsin. “Everyone needs insurance, but a very small subset of
young people need the insurance that is sold by most ‘ nancial advisors.’”

You might still consider a basic life insurance policy, which can be useful if you
have loved ones who rely on your income — a signi cant other, a child or even a
relative you help out nancially.

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5/25/2019 You’ve Managed to Get Past Overdrafting — Now What?
offers you an easy way to compare and buy life insurance. Unlike traditional
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To get your quotes, you’ll just enter some info about yourself and your health
online. Once you choose a life insurance company, you can apply right online,
and a Policygenius rep will give you a quick call to ask a few follow-up
questions.

3. Get Paid Every Time You Swipe Your Debit Card

Those cash-back credit cards are wicked cool, aren’t they? Unfortunately, it can
be hard to qualify for these cards. The Credit Card Gods are awfully picky when
it comes to handing them out.

One of our favorites is Aspiration’s Spend and Save account

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purchases. It basically turns your debit card into a cash-back card.

Plus, you’ll pay no monthly fees, and you’ll earn up to 2.00% APY on your
savings.

4. Opt in for Autopay to Save on Bills

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5/25/2019 You’ve Managed to Get Past Overdrafting — Now What?

Tina Russell/The Penny Hoarder

PRO TIP
Opting in for autopay on some of your bills could earn you a
discount.

Because the fear of overdrafting isn’t hanging over your head anymore, you
have no reason to fear autopay now. ANOTHER ACCOMPLISHMENT.

Cell service providers, utilities and student loan companies all love it when you
opt into a monthly autopay plan. That way, they can count on your payment
rolling in like clockwork.

They love it so much, they might even give you a discount. For example, many
student loan providers will give you a quarter-percent discount on your interest
rate for using an autopay function, and that savings will really add up over time.

Lots of cell phone companies will kick in a monthly discount of around $5 if you
use autopay.

This also helps with credit cards. If you make your payments automatically,
they’re never late — so your credit cards won’t jack up your interest rates.

It always helps to have a little money in the bank. Get great ideas
about how to build your savings delivered straight to your inbox
in The Penny Hoarder Daily.

Email

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5/25/2019 You’ve Managed to Get Past Overdrafting — Now What?

5. Cut Your Your Homeowner’s Insurance Bill by up to 25%

Navigating homeowners insurance policies can be di cult, and plans can be

pricy.

The good news is your options are shifting, and it’s easier to nd the best
coverage — with the best price tag — for you.

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customers hundreds of dollars a year, because it automates the process and
passes the money saved along to you.

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Heads up: Hippo is available in Alabama, Arizona, California, Illinois, Indiana,
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6. You Can Even Start Planning for Retirement Now

Now that you’re not ying by the seat of your pants, it’s a good time to start
thinking about retirement — because the sooner you start thinking about it, the
better off you’ll be.

So you’ve got yourself a 401(k). Well, that’s swell and all, but is it doing what you
need it to?

If you’re like most people, you have no idea whether your 401(k) is on pace for
your retirement or just sputtering along.

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just how much more money your account could earn by the time you want to
retire.

After that, if you sign up, it’s just $10 per month to have Blooom monitor and
maximize your 401(k). Bonus: Penny Hoarders get the rst month free with the
code PNNYHRD.

Think of Blooom like a mechanic constantly ne-tuning your car’s engine so it

gives you the best possible performance and gas mileage. Except it’s your
401(k) — and your future.

7. Move Past Old Mistakes — Lower Your Credit Card Interest

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Tina Russell/The Penny Hoarder

If you just started making more than $70,000, the odds are good that you’ve
probably maxed out a credit card or two.

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5/25/2019 You’ve Managed to Get Past Overdrafting — Now What?
That means your credit cards have probably used that as an excuse to charge
you higher interest. A lot of us are being crushed by credit card interest rates
north of 20%. If you’re in that boat, consolidation and re nancing might be
worth a look.

A good resource is Fiona (https://t.thepennyhoarder.com/aff_ad?

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Fiona searches the top online lenders to match you with a personalized loan
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can help you borrow up to $100,000 (no collateral needed) with xed rates
starting at 3.84% and terms from 24 to 84 months.

This content was prepared by The Penny Hoarder in partnership with Even
Financial. The opinions expressed are our own and do not re ect the view of
American Express National Bank nor American Express Company.

APY as of February 7, 2019. Rates are subject to change after account opening.

Mike Brass eld (mike@thepennyhoarder.com) is a senior writer at The Penny

Hoarder. To be perfectly honest, he STILL gets hit with the occasional overdraft
fee, and he hates hates hates it.

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