The Twelve Days of Fixmas: The Ultimate Guide to Sprucing Up Your Finances

Honest Abe


Among the hyperlinks on this publish are from our sponsors. We’re letting you already know as a result of it’s what Trustworthy Abe would do. In any case, he’s on our favourite coin.

It’s vacation singalong time at The Penny Hoarder! Sing together with us, now. You realize the melody:

On the primary day of Christmas, my real love despatched to meee… a meth-od to get out of debt!

Oh, are these not the lyrics you realized once you have been a wee little one? You have been anticipating a partridge in a pear tree, maybe? What would a partridge be doing loitering in a pear tree, I ask you?

This ain’t your momma’s “Twelve Days of Christmas,” man.

That is the “Twelve Days of Fixmas.” As in, these vacation monetary ideas are gonna (hopefully) repair up your checking account.

Think about it a vacation present to your self. All you need to do is decide to doing one factor a day, over 12 days this vacation season. Possibly set an alarm in your cellphone or one thing. Then do this one factor. Then stick with it along with your holidays.

As soon as this tune is over, you’ll be so a lot better off, financially — we hope.

Are you prepared? Let’s do the entire tune unexpectedly. C’mon, we all know you already know the melody.

On the twelfth day of Christmas, my real love despatched to me …

Twelve gadgets let go,  

Eleven saved up,  

Ten-minute surveys,

9 emailed receipts,

Eight scratch-off tickets,

Seven web shoppers,

Six retirement accounts,

Fiiiiiive looooost kilos!

4 Ubers driving,

Three French breads,

Two cable payments,

And ideas from Credit score Sesame!

Yay, we did it! OK, let’s catch our breath.

Let’s return over these, in the future at a time.

Twelve Objects Let Go

Out with the outdated, in with the brand new. You’ve obtained to make room in your house for all these candy, candy Christmas presents you’re going to be getting. It’s time to filter out some stuff you don’t want — and receives a commission for it.

Filter your outdated DVDs, Blurays, CDs, video video games, gaming consoles and outdated telephones with the Decluttr app. Scan the barcode along with your cellphone, and Decluttr will make you a proposal. Use FREE5 at checkout and also you’ll get an additional $5 on your trades.

You may also promote almost something via the Letgo app. Simply snap a photograph of your merchandise and arrange a list in about 30 seconds.

Eleven Saved Up  

Give your self a long-term present. Open a micro-investing account with Acorns.

When you join it to a debit or bank card, it rounds your purchases as much as the closest greenback and funnels your digital turn into an funding account.

As a result of the cash comes out in increments of lower than $1, you’re much less more likely to really feel an impression in your checking account. You may also set it up so it doesn’t spherical up each single buy.

Whenever you enroll, you get a free $10 to start out investing.

Ten-Minute Surveys

On the tenth day of Fixmas, make a fast $25 by taking some surveys for JOANY, a healthcare concierge service.

As a way to finest cater to prospects, it wants you to reply some survey questions. This takes lower than 10 minutes, with fewer than 50 questions. In return, you’ll pocket $25.

To get in on this, you could meet these :

  • You bought medical health insurance for 2017 via your state change,, a dealer or a plan, resembling Oscar or Aetna.
  • You don’t obtain medical health insurance via your employer or faculty.
  • You aren’t on Medicaid, Medicare or VA medical health insurance.

9 Emailed Receipts

It’s the vacations, which implies it’s procuring season. Isn’t that what the vacations are all about? Apart from that complete peace-on-earth-goodwill-to-men factor, I imply.

With an app referred to as Earny, you may get a reimbursement on purchases you make on-line. It scans your inbox for receipts and tracks the gadgets to seek out worth drops. Then it takes benefit of retailer and credit-card firm price-protection insurance policies to barter a reimbursement in your behalf.

The app works with a bunch of on-line retailers, together with Amazon, Hole, Jet, Kohl’s, Nordstrom, Outdated Navy, Overstock, Goal, Walmart and Zappos.

Eight Scratch-Off Tickets

On the eighth day of Fixmas, take a look at a free app referred to as Lucktastic.

Every day, it releases a brand new assortment of digital scratch-off tickets. Instantaneous wins vary from $1 to $10,000. You may also earn tokens, enter contests and play video games.

The app is free to obtain — and play. 

Seven On-line Buyers

It’s time for extra procuring to get you within the vacation spirit!

Dosh is a brand new cash-back app that pays you for making purchases at greater than 100,000 resorts, on-line shops and eating places — together with Starwood Properties, Marriott, Value Plus World Market, Nike, Goal, Chuck E. Cheese’s and plenty of extra.

Obtain the app and enroll. Securely join a debit or bank card. Watch the cash-back roll in.

Along with money again, you accumulate a right away $5 bonus for hooking up a card to Dosh.

Six Retirement Accounts

As soon as once more, time to provide your self a long-term present. You’ve in all probability heard that Individuals aren’t saving sufficient for retirement.

Unsure how your financial savings stack up? Do this calculator. It’ll inform you how a lot to start out saving to remain on monitor towards an honest retirement.

Unsure you probably have the correct amount invested in shares versus bonds? Join a robo-advisor like Blooom, an app that’ll optimize and monitor your 401(ok) for you.

Fiiiiiive Looooost Kilos!

This verse has all the time been my favourite a part of the tune. It’s yours too, isn’t it?

Enjoyable truth: Though the tune “The Twelve Days of Christmas” dates from method again within the 1700s, the model of the tune the place the singers magically delay the lyric, “5 golden rings” is a newer growth. It dates from the early 1900s.

We don’t have “fiiiiiivve gol-den riiiinnggs” for you, however getting paid for 5 misplaced kilos can be cool too, proper? Right here’s how one can do it.

Make a guess with an organization referred to as HealthyWage, which pays you to perform your weight-loss objectives. Enter how a lot weight you’d wish to lose (10 to 150 kilos) in its calculator, how lengthy you’ll take (six to 18 months) and the way a lot you wish to guess ($20 to $150 monthly).

Every month, you pay your promised quantity into this system. In return, HealthyWage offers assist via professional recommendation and weight-tracking instruments. Should you meet your purpose in your allotted timeframe, HealthyWage pays you!

4 Ubers Driving

Christmas procuring will get costly, money again or not. Scratch up some more money over the vacations by driving with Uber, the favored ride-sharing app.

As an Uber contractor, you set your personal schedule and work once you need. Your pay is calculated on a base fare, plus time and distance traveled for every pickup. Uber costs a service payment of 20% to 35%, relying in your metropolis.

If you wish to give it a strive, you should be no less than 21; have three years’ driving expertise; have an in-state driver’s license and a clear driving file; and have the ability to cross a prison background verify.

You may also capitalize on ideas, cash for canceled rides and longer journeys.

Three French Breads

In all seriousness, we all know completely properly the vacations aren’t nearly procuring. We’re not that shallow.

The vacations are additionally about consuming meals — am I proper? Numerous yummy, scrumptious meals.

Take a look at Ibotta, a free cash-back app that gives money again at grocery shops, eating places and bars. It’s a great way to get a reimbursement only for taking an image of your receipt. Right here’s the way it works:

  • Enroll. You simply want a reputation and e-mail handle to start out.
  • Flick through the cash-back affords in your space the subsequent time you go to a retailer, grocery store, restaurant or bar. (The affords change each week). Choose your cash-back affords and scan your receipt.
  • When you’ve reached no less than $20 in earnings, request cost through Paypal or Venmo.

Proper now, Ibotta is giving new customers a $10 sign-up bonus, only for redeeming their first receipt.

Two Cable Payments

This vacation season, you’ll in all probability have a while off to relax out in entrance of the TV.

Since we’re pondering alongside these strains, go forward and set up Trim, a Fb messenger bot that may negotiate your cable or web payments down for you. It really works with Comcast, Time Warner, Constitution and different main suppliers.

You enroll with Fb, add a PDF of your most up-to-date invoice, and Trim’s AI-powered system will get to work. If at first it doesn’t succeed, it’ll preserve negotiating till it could actually prevent some cash. (If it saves you any cash, it retains 25% of the financial savings tab.)

And Ideas From Credit score Sesame!

Lastly, right here’s your partridge in a pear tree. It comes within the type of one final long-term present to your self.

Join Credit score Sesame. This free service exhibits your credit score rating and explains it to you. It exhibits your balances on any unpaid payments, bank cards or loans. It affords personalised tips about decreasing your debt and elevating your credit score rating.

Having a better credit score rating ought to come in useful subsequent Christmas — or the subsequent time you’re shopping for a home or automobile, or making use of for any type of mortgage or bank card.

And with that, we’ve concluded the “Twelve Days of Fixmas.” Are you feeling financially fitter but?

For these of you questioning in regards to the lyrics to the actual tune, don’t hassle to Google them. Right here they’re:

On the twelfth day of Christmas, my real love despatched to me …

Twelve drummers drumming,

Eleven pipers piping,

Ten lords a-leaping,

9 women dancing,

Eight maids a-milking,

Seven swans a-swimming,

Six geese a-laying,

Fiiiiiive gol-den rings!

4 calling birds,

Three French hens

Two turtle doves,

and a partridge in a pear tree!

Mike Brassfield ( is a senior author at The Penny Hoarder. He’s a lord a-leaping.

Did this text assist put cash in your pocket?
Honest Abe


Among the hyperlinks on this publish are from our sponsors. We’re letting you already know as a result of it’s what Trustworthy Abe would do. In any case, he’s on our favourite coin.

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