Financial Goals

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Inside: Intuit bought its popular Mint app and now it shutting down leaving users scrambling to find an alternative. This guide will help you understand Intuit’s decision to move Mint to Credit Karma and provide a list of alternatives for personal finance management.

In an era where personal finance apps are thriving more than ever, the shutdown news of Intuit’s Mint app comes as a shock for many.

When I heard the news, I couldn’t believe my ears… moving Mint’s feature to Credit Karma – a credit repair app?!?!

Once I got over the shock, I knew you wanted the best information out there to decide on what to do next.

Our guide here is dedicated to helping Mint users navigate the ongoing changes and prepare for what’s next in their personal finance journey.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

The Downfall: Intuit’s Decision to Shut Down Mint

Mint has always been a beacon in the realm of top budgeting apps; mostly due to the fact it was free.

However, Intuit’s decision to close Mint marks the end of an era. Yet, there is a teaser… Mint is propelling people to Credit Karma.

Here is a statement in the Mint App News:

“Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features.”

Mint App News1

Mint’s commendable service, free albeit with ads, which has been helping many people manage their finances effectively, will be missed by Minters—time to understand why this happened.

Why is Mint Shutting Down?

Credit: Intuit MintLife 1

A surprising fact is that a free personal finance app like Mint isn’t a sustainable business. Most free apps have marginal direct costs associated with their services, unlike personal finance apps. They heavily rely on expensive data aggregators to gather the necessary financial data, causing a steady revenue loss for Mint per free user.

Intuit’s model has never been able to cover these costs leading to a revenue crisis. That was a key reason why I believe Intuit decided to shut down Mint. While Intuit denied Mint’s expenses being material in their quarterly earnings calls in 2023, they did note however they are looking to grow their consumer base across all of their products. 2

The Controversy Surrounding Mint’s Shutdown

While the financial reason behind Mint’s closure is understandable, this decision has provoked a wave of consternation among the users. Massive user outcry on Reddit underscores the integral role Mint played in their lives, and some even accuse Intuit of abandoning its commitment to free financial management resources.3

Given the fairly recent acquisition of Mint into Intuit, this may be surprising for many including these Twitter users.10

When is Mint shutting down?

Yes, Mint is being shut down. Mint’s curtains will be drawn on January 1, 2024.

From this date, users will no longer be able to access their accounts or use any Mint services as we know them today.

So, don’t be caught off-guard; stay prepared and choose the right alternative before Mint bids adieu. We have other options below to help you guide this transition.

Mint User’s Guide: Next Steps to Credit Karma

Okay, one piece of advice I always give at Money Bliss is to plan and carve your own money journey. So, let’s move from panic to planning:

What should Mint users do now?

It’s natural to feel perturbed by Mint’s shutdown. Yet, the smart step is to immediately switch to planning mode.

Some crucial actions include exporting your transactions from Mint for future use and deleting your account once you have secured all necessary information.

In this interim period, also make sure to explore personal finance app alternatives, considering their features and support services, to find one that fits your needs perfectly.

Starting Afresh: Alternatives to Mint App

In light of recent events, here are the best apps available for Minters.

Switching to a new personal finance app might feel daunting initially, but there’s no need to worry. This era offers a wide array of options, many of which employ advanced technology and provide a user-friendly experience.

Look for apps that offer seamless data importation from Mint with a CSV file, comprehensive financial overview, dependable security features, and preferably, competitive pricing as well.

Diving into Details: A Comparison of Mint Alternatives

When comparing Mint alternatives, consider factors such as user interface, functions, cost, and customer feedback. Each app has its unique strengths.

For instance, YNAB stands out for budgeting, and Quicken shines in terms of portfolio management, while Simplifi offers a user-friendly interface. You may pick a budget app based on your budgeting preference, such as budget by paycheck or zero based budgeting.

Research thoroughly to find the app that delivers your personal financial needs the best.

YNAB

YNAB, or You Need a Budget, stands out for its award-winning budgeting system. It’s not a clone of Mint, but rather, it takes a unique approach to helping people proactively track spending and work towards financial goals.

YNAB stands out in personal finance management since it allows for utmost user control with its four simple pillars:

  1. Give Every Dollar a Job
  2. Embrace Your True Expenses
  3. Roll with the Punches
  4. Age Your Money

Additionally, YNAB presents flexible customization options for category names, a feature that enhances user experience, along with an open-source toolkit for extensive reporting while maintaining supreme user data privacy.

  • Learning Curve: YNAB requires diligence and customization in its early stages, but offers a robust set of personalized budgeting tools once users cross the learning curve.
  • Import Existing Mint Transactions: Yes 4
  • Price: Free 34 day trial and then a subscription-based model of $14.99 monthly or $99 annually.

Most people struggle with YNAB because of the steeper learning curve as well as getting one month ahead on their money. This is YNAB’s rule #4 to age your money, which is a smart money move and one we do personally.

No need to compare YNAB vs Mint anymore.

YNAB

Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances. 

Pros:

  • Comprehensive approach to budgeting, helping you plan monthly budgets based on your income.
  • Offers expert advice, making it suitable for those who require an in-depth, forward-thinking budgeting strategy.
  • Superior synchronization skills make it the winner in this area.
  • YNAB has extra features like goal setting for budgeting, shared budgeting tools for partners.
  • Option to manually add and upload transactions from accounts each month.
  • YNAB prioritizes user privacy.

Start 34 Day Free Trial

YNAB vs Mint

Simplifi

Simplifi by Quicken is a budgeting app that strikes a fine balance between complexity and simplicity.

Cheaper than a gallon of gas per month, Simplifi by Quicken a great bargain that offers a clean, intuitive, and clutter-free interface. It allows users to effortlessly track their spending, monitor savings goals, capture bills, and more.

  • Learning Curve: Simplifi is smooth due to its user-friendly interface and detailed instructions
  • Import Existing Mint Transactions: Yes 6
  • Price: Starting at $2.39/ month for new users

Simplifi has been rated as a preferred choice for people who want a fuss-free app to manage finances.

simplifi

Manage your money less in 5 minutes each week.

Reach your money goals with confidence!

“The easiest, most comprehensive way to both see where your money is going and plan for future expenses.”

Start FREE Trial

Quicken

This is the personal finance software I have been using for over 25 years.

Quicken offers robust personal finance management tools that make it easier to track expenses, income, and investments. Many people complain their budgeting feature isn’t up to par, but their cash flow reporting overcomes this as you can see your spending and plan accordingly.

  • Quicken Classic Deluxe: Robust & feature-rich | Best for power users
  • Quicken Classic Premier: Robust & feature-rich including investment| Best for serious users
  • Quicken Classic Business & Personal: Best-in-class business features integrated with our flagship personal finance product

Quicken might be the most suitable option for current Mint users due to its compatibility and ease of use. Unlike Mint, Quicken is not free, but its expansive features such as detailed expense tracking, report generation, and robust investment tracking arguably justify the cost. Plus you can add attachments of receipts into the transactions.

  • Learning Curve: Quicken may present a significant learning curve for beginners.
  • Import Existing Mint Transactions: Yes 5
  • Price: Starts at $4.19/ month for Quicken classic for new users. All plans have a 30 day money back guarantee.

It’s a perfect match for anyone requiring a comprehensive personal finance tool. You can sync between multiple devices as I covered in my Quicken review.

Quicken

Personal finance and money management software allows you to manage spending, create monthly budgets, track investments, retirement and more.

I have used this platform for over 20 years now.

Pros:

  • Birds-eye view of your complete financial picture.
  • Conveniently download your spending activities, and automatically categorize them (Quicken connects to over 14,000 financial institutions).
  • Track investments with it’s features like portfolio analytics, retirement goals, and market comparison.
Cons:

  • Little complex to use at first, the learning curve is moderate.
  • Yearly subscription-based model to use the platform.

Save 40% on New Memberships

Our Review

Monarch Money

Monarch Money’s unique selling point is its robust data connectivity. Armed with state-of-art financial transaction infrastructure that integrates with various data aggregators, Monarch promises effective budgeting and financial planning. It’s not free but offers a 7-day free trial to test its features.

Its subscription charges are $14.99 per month or $99.99 per year, a fair trade for its impressive service.

This is the latest top budget app to surface as true competition.

  • Learning Curve: Monarch Money boasts an intuitive and user-friendly interface, making the learning curve minimal and easy for new users.
  • Import Existing Mint Transactions: Yes 7
  • Price: Try Monarch Premium for free for 7 days. Then choose between the $14.99/month or annual $99/year plan.

Monarch Money facilitates financial planning with goal setting and forecasts, allows Mint transactions importation for history preservation, has customer-driven rapid development, provides a multi-user platform for collaborative financial management, is available across multiple platforms, and provides efficient customer service.

Tiller Money

Tiller Money might be the perfect solution for spreadsheet enthusiasts. This unique budgeting tool uses spreadsheets to manage finances and daily transaction updates. It is highly customizable with categories and reports to help you stay on top of your spending.

Tiller Money is a definite contender in the personal finance app scene.

  • Learning Curve: While Tiller Money requires a basic understanding of spreadsheets, users can easily customize it to suit their personal budget needs.
  • Import Existing Mint Transactions: Yes 8
  • Price: Starts with a free trial for 30 days and then charges a reasonable annual fee of $79.

A notable feature is its ability to pull and categorize credit card transactions, providing an in-depth view of spending habits.

Tiller Money

Your financial life in a spreadsheet, automatically updated each day. 

Tiller is the fastest, easiest way to manage your money with the unlimited flexibility of a spreadsheet.

Update your finances in one place, so you can take control of spending, optimize cash flow, and confidently plan your financial future.

Pros:

  • Tiller automatically updates Google Sheets and Microsoft Excel with your latest spending, balances, and transactions each day.
  • No more tedious data entry, CSV files, or logging into multiple accounts.
  • You can customize everything and finally track your money, your way.

Try Tiller Free

Empower

Empower, formerly known as Personal Capital, is a comprehensive personal finance app that provides tools for managing income, expenses, assets, and liabilities.

With its intuitive interface, Empower users can seamlessly track their spending, create custom budgets, and even get insights into their net worth which can be updated on a monthly basis, thereby aiding in effective financial management. Additionally, their retirement planner is one of the best available – plus for free.

  • Learning Curve: Empower has a relatively intuitive interface, making the learning curve fairly manageable for new users.
  • Import Existing Mint Transactions: No 9
  • Price: Free to use

The downfall is Empower provides wealth management services, so there is a heavy sales pitch to bring assets under management.

Empower

Empower offers powerful tools to help you plan your investment strategy along with basic budgeting features and a great net worth tool.

As a free app, Empower can help you to save money, save time, and even make more money.

Get Started

Empower Personal Wealth, LLC (“EPW”) compensates Money Bliss  for new leads. Money Bliss  is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

How to Move From Mint to Credit Karma?

Yep, I gave you the alternatives to Mint first.

Yet, the goal for Intuit is to move to Credit Karma. The core issue right now is while we do know which features will be transferred from Mint to Credit Karma. We are not sure as Minters if we will like the new layout and features offered with Credit Karma.

Right now, the budgeting feature will not be offered at Credit Karma, which I know for many Money Bliss readers is a big feature lost.

Learn more on how to move from Mint to Credit Karma.

Intuit’s Current Portfolio of Products

Intuit buying out Mint in 2020, you may be wondering about the current products offered by Intuit. 10

Intuit offers a range of financial and tax preparation products, including

Most notable is the success of TurboTax and Credit Karma.

Frequently Asked Questions

Once Mint shuts down, it’s crucial to know that Intuit will no longer have access to your financial data. All account and transaction information associated with your Mint profile will be deleted permanently from Mint’s databases.

To prevent any loss of important financial information, make sure to export all your transactions from Mint before the shutdown date arrives.

This highlights the importance of regularly backing up financial data as you may not know the next steps a company has for their product.

Yes, you can migrate your Mint data to a different personal finance app before Mint shuts down.

After you export your transactions from Mint, you can then import them to your new finance management app, ensuring you seamlessly carry over all essential financial information and continue managing your finances smoothly. However, bear in mind that the steps to do this may vary depending on the app you choose as your next financial companion.

Coping with the Closure: Dealing with the Loss of Mint

For long-time Minters, Mint’s shutdown can feel like losing a trusted companion. It’s natural to feel a sense of loss and uncertainty. I completely understand. That is why I haven’t switched from Quicken because of the long-term history.

However, remember that technology promises continual growth and evolution. There are numerous other personal finance apps out there, likely even better ones suited to your needs.

So, take a deep breath, do your research, and move on to the next chapter of your financial journey with confidence.

Source

  1. Intuit MintLife. “Intuit Credit Karma welcomes all Minters!” https://mint.intuit.com/blog/mint-app-news/intuit-credit-karma-welcomes-minters/. Accessed November 1, 2023.
  2. Intuit. “Event Details – Intuit Investor Day 2023.” https://investors.intuit.com/events-and-presentations/event-details/2023/Intuit-Investor-Day-2023/default.aspx. Accessed November 1, 2023.
  3. Reddit. “Thoughts on the Mint shutdown from Monarch CEO (and first Mint product manager.” https://www.reddit.com/r/mintuit/comments/17llnbu/thoughts_on_the_mint_shutdown_from_monarch_ceo/. Accessed November 1, 2023.
  4. YNAB. “File-Based Import: A Guide.” https://support.ynab.com/en_us/file-based-import-a-guide-Bkj4Sszyo. Accessed November 1, 2023.
  5. Quicken. “Quicken for Windows: Importing Address Book Records From Another Program.” https://www.quicken.com/support/quicken-windows-importing-address-book-records-another-program. Accessed November 1, 2023.
  6. Quicken Simplifi. “How to Manually Import Transactions.” https://help.simplifimoney.com/en/articles/4413430-how-to-manually-import-transactions. Accessed November 1, 2023.
  7. Monarch. “Move data over from Mint to Monarch.” https://help.monarchmoney.com/hc/en-us/articles/4411877901972-Move-data-over-from-Mint-to-Monarch. Accessed November 1, 2023.
  8. Tiller. “How to Easily Export Mint Transactions to a Spreadsheet.” https://www.tillerhq.com/exporting-mint-transaction-data-into-a-google-sheet-spreadsheet/. Accessed November 1, 2023.
  9. Empower. “Am I able to see more than 3 months of data in Empower Personal Dashboard after I first link my account?” https://support-personalwealth.empower.com/hc/en-us/articles/201170160-Am-I-able-to-see-more-than-3-months-of-data-in-Empower-Personal-Dashboard-after-I-first-link-my-account-. Accessed November 1, 2023.
  10. Intuit MintLife. “Intuit to Acquire Mint.com.” https://mint.intuit.com/blog/press/intuit-to-acquire-mint-com/. Accessed November 1, 2023.

Know someone else that needs this, too? Then, please share!!

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

These days, you can insure almost anything. Did you know, for example, that Julia Roberts has insurance for her teeth, and before Daniel Craig filmed a James Bond movie, he insured his entire body? While you probably don’t need to insure any of your body parts for millions of dollars, you might find yourself wondering when you should buy life insurance, or whether renter’s insurance is really necessary.

To help you decide on the right type and amount of coverage, we’ve broken down which kinds of insurance you will most likely need (other than health insurance, of course).

1. Life insurance

Life insurance is about more than just financing your funeral. It also allows your family to keep paying the bills if something happens to you.

People often think they don’t need life insurance if they don’t have dependents. But if you have debt such as student loans that someone has co-signed, your life insurance can be used to pay off your loans.

It’s common for employers to offer life insurance as part of their benefits package, but it’s worth noting that the life insurance your employer offers may not be enough, especially if you have dependents. Ideally, your life insurance payout should be enough to invest and yield returns that could replace your income annually. For example, if you assume that you’ll get a 5% return on the money you invest, you would need $1 million in coverage to replace a $50,000 income.

Here’s an overview of some of the most common life insurance options you might consider.

Term Life Insurance

Term life insurance is the simplest and most common form of life insurance. It covers your life for a specific period of time, and pays only if your death occurs during the term. This timeframe is typically anywhere from one to thirty years, the longer the term the higher the premium. Term life insurance can be more affordable than other types of life insurance.

💡 Quick Tip: Term life insurance coverage can range from $100K to $8 million. As your life changes, you can increase or decrease your coverage.

Whole Life Insurance

Whole life insurance covers you for your entire life. If you make consistent payments toward your policy, you’ll build a cash reserve for your family upon your death.

Universal Life Insurance

In exchange for premiums, universal life insurance can provide coverage for as long as the policyholder is alive, and some policies also accrue cash value. When the policyholder dies, their beneficiaries typically receive a tax-free death benefit in the amount specified by the policy.

Indexed Universal Life Insurance

Indexed universal life insurance (IUL) gives policyholders the option to put money towards either a fixed account or an equity index account. Index accounts with universal life policies often include well-known indexes and can be a good option if you’d like to accumulate tax-deferred cash as well as maintain a set amount of money in a fixed account.

2. Disability Income Insurance

Disability income insurance, also referred to as disability insurance, replaces a portion of your salary if you become disabled. Some employers don’t offer disability insurance, but even if yours does, you may want to consider a supplementary policy to top up the amount that you receive.

Depending on the policy, disability insurance kicks in when you become partially, completely, temporarily, or permanently disabled. Keep in mind that there is often a waiting period before benefits start, which could range from one month to a year, depending on your policy and whether you have short-term or long-term disability insurance. The longer the waiting period on your policy, the cheaper your premiums often are.

If you have to take a job that pays less because of a disability, some policies may pay you part of the difference.

Note that disability insurance is expensive, often between 1% and 3% of your salary, and many organizations offer it as a benefit. If you’re evaluating offers between two employers, it’s worth factoring in how valuable this type of insurance is to you.

3. Long-Term Care Insurance

If you’re considering a nursing home, day care, home health aide, or other type of long-term care, be prepared to pay. A Genworth survey found that the average price of a private room in a nursing home is $9,034 a month. A typical assisted living facility charges around $4,500 a month, while a home health aide runs $5,148 a month.

To ensure you can foot the bill, the American Association for Long-Term Care Insurance recommends buying a policy in your mid-50s to qualify for the best premiums. Benefits kick in when someone isn’t able to take care of everyday activities or suffers from severe cognitive impairments. Policies vary by the specific level of impairment, the type of services provided, and the length of time the covered person lives after becoming impaired.

Depending on your policy, your benefits may not start until up to 90 days after impairment, and some may require that you receive paid care in the meantime.

Recommended: 8 Popular Types of Life Insurance for Any Age

4. Car Insurance

If you own or lease a car, car insurance is a must. But there are different kinds to consider.

Collision and comprehensive insurance will cover damage to your car and can help replace it if it’s been stolen.

Liability insurance covers you if you get sued after causing an accident. There are three maximum liability limits you can get in a car insurance policy: bodily injury per person in a given accident, bodily injury for all injuries in a given accident, and personal property damage in a given accident. Each state requires different insurance minimums by law.

However, you may want higher limits than the minimum. You may be able to save money on collision and comprehensive coverage by getting a higher deductible of $500 or $1,000. If you drive a car that’s worth less than $1,000, you may want to consider dropping collision and comprehensive, though you’ll still need liability.

💡 Quick Tip: Saving money on your fixed costs isn’t always easy. One exception is auto insurance. Shopping around for a better deal really can pay off.

5. Homeowners or Renter’s Insurance

Homeowners insurance covers damages to your home or theft of personal possessions. It also includes liability insurance to cover accidents that happen on your property. However, it excludes things like floods, earthquakes, and the (hopefully unlikely) event of war.

You should have at least enough insurance to cover the replacement value of your home and possessions. This usually means getting guaranteed (or extended) replacement cost coverage. That’s different from actual cash value coverage, which covers you for the current value of your possessions.

If you’re renting instead of buying, renter’s insurance is similar, but only covers your possessions and personal liability for damages. It’s worth having in case you leave the water on and accidentally flood your kitchen. The minimum deductible for tenant or homeowner’s insurance is usually $500, but according to the Insurance Information Institute, raising the deductible could save you money.

One important element for both of these is liability insurance. This helps protect you against lawsuits, and covers things like people slipping and falling on your property. One hundred thousand dollars of liability coverage is a fairly standard amount.

Recommended: How Much Homeowners Insurance Do You Need?

6. Umbrella Liability Coverage

Umbrella coverage is essentially extra liability insurance, and most importantly, it protects you and your assets in the event of a lawsuit. It covers you beyond the limits of your car or home liability coverage. For example, umbrella coverage will protect you from libel, slander and false imprisonment.

Often it is more economical to get an umbrella policy rather than getting excess home or car liability coverage. It’s a good idea to coordinate car, home, and liability coverages. After all, you wouldn’t typically have a $100,000 deductible on your umbrella policy if your car and homeowner’s insurance have $100,000 of coverage.

The first $1 million in umbrella coverage typically costs about $150 to $300 a year, which is often less than what most people would pay for additional coverage in that amount. As your income grows and you accumulate assets, you may want to consider raising the limit.

The Takeaway

Insurance can offer peace of mind and a degree of financial security. But the type and amount of coverage you need will depend on a number of factors, including your lifestyle, health, budget, and financial goals.

When the unexpected happens, it’s good to know you have a plan to protect your loved ones and your finances. SoFi has teamed up with some of the best insurance companies in the industry to provide members with fast, easy, and reliable insurance.

Find affordable auto, life, homeowners, and renters insurance with SoFi Protect.

Photo credit: iStock/urbazon

Insurance not available in all states.
Experian is a registered service mark of Experian Personal Insurance Agency, Inc.
Social Finance, Inc. (“SoFi”) is compensated by Experian for each customer who purchases a policy through Experian from the site.


Coverage and pricing is subject to eligibility and underwriting criteria.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers- for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other, Social Finance. Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under Ladder Life™ policies. SoFi is compensated by Ladder for each issued term life policy.

SoFi Agency and its affiliates do not guarantee the services of any insurance company.

All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved. The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

Apache is functioning normally

Growing up without money affects how you live on a daily basis in childhood, and it can have long-term effects into adulthood, even when you begin to have enough money to make ends meet.

When you move from experiencing poverty to maintaining financial stability, there can be some major opportunities to set yourself and your family up for long-term security. But there can also be challenges around changing your mindset and managing your emotions about money. Here are some things to expect when you move from one circumstance to another.

How the experience of poverty can shape your money behaviors

When money is tight on a continual basis, hard decisions often have to be made, such as, “Am I going to pay my light bill or am I going to buy groceries?”

“There’s no right answer, and either way there’s going to be a lack of safety,” says Saundra Davis, a money coach and director of Sage Financial Solutions.

Davis says that lack of safety — i.e., not being able to fulfill all of your needs and living in fear that you’ll lose your income, benefits or housing — “can create what is widely termed as ‘financial trauma,’ which is when an experience with money, or a message passed down from a previous generation, causes us to behave in response to the trauma rather than with thoughtful consideration.”

Family relationships are typically an influential factor in your money habits, and they can also be a major consideration once your financial situation improves. Davis says that thought patterns about money can come from lived experience, but they also come from information passed down through family members.

There can be additional obstacles that might affect you or may have affected your family in the past, such as racial or gender discrimination, mental health issues, substance abuse or disabilities that may have hindered earning enough money for your household to cover its expenses. Systemic obstacles can also be a consideration, such as how public benefits might be cut off once you reach a certain income level, even if you still need financial assistance to pay for food or housing.

Assuming you’ve been able to overcome these challenges, there can be mental hurdles to get over once you’re in a more financially abundant situation. But there are steps you can take to get on track toward achieving your financial goals.

How to change your money mindset and management

Veniecia Robinson, a therapist and life coach, has personal experience in shifting her money mindset. She grew up in a household that faced financial challenges, and she also became a mother at a young age. She recalls paying certain bills only after she had received a service shutoff notice. Once she started school to become an accountant, she decided that she wanted to change these habits and parent her children to understand credit, saving money and how to manage their spending habits.

One of the early steps she took toward financial stability was to start keeping tabs on how much she was spending, which she recommends to anyone who’s working to improve their financial situation.

“It can be terrifying to start tracking your money because once you know, you have to do something about it,” says Robinson.

After she had a handle on her income and expenses, she was able to prioritize the financial goals she had created for herself and come up with a spending plan. For her, that looked like paying her bills first, then allocating the remaining money this way: setting aside money for discretionary spending; saving some money for a rainy day fund; and investing a percentage toward her future.

If you aren’t sure where to start, in addition to tracking your spending, reach out to a fiduciary financial planner — ideally before your money comes in. Fiduciary financial planners have a legal duty to act in your best interest, which means they won’t push you to buy a financial product or service. These financial planners can be found with an online search, or through referrals in your community.

You can also reach out to a financial therapist when thoughts about money are getting in the way of decision-making or if you’re feeling stressed about money. Davis also suggests that people increase their knowledge by reading financial resources and thinking about their emotions around money. Financial education can be found in many sources, including books, classes and online. Start by checking out the personal finance section of your local bookstore or library, or you could look up financial terms online.

If family is a concern, a meeting can be a helpful step to set expectations around money and to discuss how the whole family could benefit from a financial shift. This might entail discussions around how money can be used to provide long-term security versus what it can do in the short term.

“You should give thought to the impact of financial decisions on your whole life,” says Davis. “Recognize that resources can change lives for the better. You should be thinking, ‘What do I want life to look like later?’”

This article was written by NerdWallet and was originally published by The Associated Press.

Source: nerdwallet.com

Apache is functioning normally

The Mercury Rewards Visa Card, issued by First Bank & Trust, was launched in August 2022 by Mercury Financial, a technology company that aims to help its customers build credit.

The Mercury credit card earns rewards and forgoes pesky fees — two features that are nice to see in a card for people with thin credit histories. But the card’s website is lacking in some useful information about the product’s features, making it difficult to comparison shop when you’re looking for a credit card. (Efforts to reach the company with questions and clarifications were unsuccessful.)

Here are five things to know about the Mercury Rewards Visa Card.

1. You have to be invited to apply

There’s no prominent “apply now” button on the Mercury credit card’s website. Instead, Mercury mails out preapproved offers with reservation codes. These preapprovals are based on information in your credit profile.

If you misplaced your reservation code, or just want to see whether you were preapproved, you can input your last name, ZIP code and last four digits of your Social Security number on Mercury’s website.

2. It’s inexpensive to carry

When you’re newer to building credit, many card options pile on the fees. Annual fees are the most common, but some also charge monthly maintenance fees, one-time processing fees and more. The cost of carrying cards like these can add up quickly.

The Mercury Rewards Visa Card charges none of those fees. Just be mindful that there are fees for things like late payments or purchases in foreign countries.

3. The card earns cash back

The Mercury Rewards Visa Card earns cash-back rewards on every qualifying purchase, according to the card’s website. Missing from the site is how many rewards each purchase will earn, which would be useful information to have as you consider getting the card.

It’s also not easy to find out how much points are worth when redeemed, or how you can redeem them. Blink and you’ll miss it on the website, but you can redeem points for a statement credit, or use them to shop on Amazon.com, at a value of 1 cent per point. If there are other redemption options available, they’re not mentioned.

4. The app provides helpful tools

The Mercury Cards app is available on both the Apple and Google Play app stores. You can use it to not just check your balance and pay your bills, but also to get tips on how to attain your personal financial goals, compare different payment and interest scenarios, split larger payments up into smaller ones, and more.

It’s far from the only app out there that allows you to manage your card. But anything that makes tracking and goal-setting simpler for those who are building credit is a good thing.

5. Beware of the interest rate

As of this writing, cardholders will pay ​​29.99% to 30.24% variable APR if they get into credit card debt — well above the average of 22.77% among credit cards assessing interest as of August 2023, according to the Federal Reserve. Credit cards for people with no credit or bad credit tend to charge higher interest rates, since you’ve yet to prove yourself to lenders as a thoughtful user of credit.

Still, roughly 30% APR is a number to be mindful of as you use the Mercury credit card. If you’re unable to pay your bills in full, the resulting credit card debt can quickly spiral out of control. An alternative could be a credit-building card with guardrails. These cards require you to open a funding account, but they limit how much you can charge to what’s in that account so you can’t overspend. Plus, your bills are automatically paid in full each month, so you can’t get into debt.

However, the Mercury Rewards Visa Card functions more like a traditional credit card, so when you’re ready to graduate to other options from different issuers, you’ve had more practice managing such a card.

Source: nerdwallet.com

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There’s a lot to learn when you’re preparing to buy a home.

First, you’ll need to understand market values to avoid paying too much for your house. In addition, home inspections are vital to uncover any hidden issues before finalizing a purchase.

Furthermore, potential buyers must pay attention to closing costs, ensuring they have sufficient funds for the transaction. Lastly, perhaps the most critical aspect to keep in mind is being aware of current mortgage rates.

For those in the market for a house, even a minor adjustment in the interest rate can substantially change your financial picture and affect how much house you can afford.

This guide will shine a light on the intricacies of securing the best mortgage rate, which could translate into significant savings throughout the life of the loan. A lower rate may even allow you to afford a nicer home for your money.

Step 1: Boost Your Credit Score

A top-tier credit score be your VIP pass to securing the most enticing mortgage rates. But what factors make up your credit scores? And how can you boost yours in a hurry?

  • Timely bill payments: The bedrock of a solid credit score, timely bill payments account for 35% of your FICO credit score. Paying your credit card bills and monthly debt payments on time, consistently, boosts your credit scores. On the other hand, missed or late payments reduce your score, and can remain on your credit report for up to seven years, making it harder to get a good interest rate.
  • Credit card balances: Having credit cards helps you build credit, which can increase your FICO score. But maintaining a balance lowers it. Aim to keep your utilization ratio, which is the balance in relation to your credit limit, below 30%. An even better practice is paying off the balance in full every month.
  • Avoid excessive inquiries: Every time you apply for credit, a ‘hard inquiry‘ is placed on your report. Multiple hard inquiries in a short period can indicate risk to potential mortgage lenders, slightly dropping your score with each one. There’s one caveat here: Inquiries for the same loan type (such as a mortgage or car loan) within a few weeks of each other are counted as one inquiry. The credit bureaus understand you are shopping around for the lowest rates.
  • Check your credit reports regularly: Make it a practice to review your credit report from all three bureaus annually. This can help you spot and rectify errors or discrepancies which, left unaddressed, could reduce your credit scores.

Remember, in the eyes of lenders, a higher credit score depicts financial responsibility. Achieving this can translate to potentially thousands saved in interest over the life of your mortgage loan.

Step 2: Increase Your Down Payment

The down payment is more than just the initial chunk of money you put toward your home; it’s a reflection of your commitment to the property. The amount you put down influences how mortgage lenders perceive your loan’s risk.

Take a look at some of the advantages of putting 20% or more down.

  • Less borrowing: The more you pay upfront, the less you’ll need to borrow. This reduces your loan-to-value ratio, which can make you a more attractive borrower to lenders.
  • Lower rates: Lenders often associate higher down payments with lower risk. A borrower who can afford a larger down payment is seen as more financially stable, thus possibly qualifying for a lower interest rate.
  • Avoid private mortgage insurance (PMI): Typically, if you put down less than 20% on a conventional loan, you’ll be required to pay PMI. This insurance protects the lender if you default on your loan. By increasing your down payment to 20% or more, you can bypass this additional cost.
  • Future financial flexibility: By paying more upfront, your monthly mortgage payments will be lower, offering you greater financial flexibility in the future. This can be particularly beneficial during unforeseen financial hardships.

While it may be tempting to jump into homeownership with a smaller down payment, putting at least 20% down can lead to substantial savings in the long run and a more favorable loan structure.

Step 3: Consider Buying Mortgage Points

The strategic purchase of mortgage points, also known as discount points, serves as an effective mechanism to lower your mortgage rate. Let’s explore how they work.

What are mortgage points?

A discount point is a form of prepaid interest. One point typically equates to 1% of your loan amount and can decrease your interest rate by a certain percentage, usually around 0.25%.

Should you buy points?

Points can be a costly upfront expense at closing time. It’s important to decide if the future benefits justify the investment. Ask yourself:

  • How long do you plan to live in the house?
  • How much will you save on your monthly payment?
  • How long will it take to break even on the cost of the points?

Your mortgage lender can help you calculate whether buying points makes sense for you. They can provide a breakdown of the costs and savings associated with purchasing points, offering a clearer picture of the potential benefits.

Step 4: Choose the Right Loan Term

Your loan term is more than just a deadline for repaying your mortgage; it determines your interest rate and monthly mortgage payment.

Generally, shorter-term loans, like a 15-year fixed rate mortgage, come with lower interest rates than longer-term ones, like a 30-year mortgage. The reason is simple: lenders face less risk when the borrowed amount is to be repaid over a shorter period.

However, with a shorter term, you’ll have higher monthly payments, since you’re dividing your total mortgage amount over fewer months. You’ll need to balance the allure of a lower rate against the practicality of larger monthly payments.

Before you choose a loan term, assess your current financial situation and your projected future income. Your comfort with the size of the monthly payment, your financial goals, and your age at the end of the term are all factors that should inform your decision.

By understanding these elements, you can select a loan term that best aligns with your financial plans, payment capability, and homeownership goals.

Step 5: Navigate Market Conditions

Understanding and responding to the broader economic landscape is pivotal in securing an affordable mortgage. The U.S. Federal Reserve sets the federal funds rate, which is the rate at which the central bank lends money. The funds rate determines the interest rate for credit cards, loans, and mortgages.

A flourishing economy often triggers an increase in interest rates. The U.S. Federal Reserve has raised rates in recent months to try to stem inflation. However, an economic downturn could cause the Fed to keep rates steady or even reduce rates to stimulate borrowing and spending.

Understanding these principles can offer insight into potential rate fluctuations as you decide whether you want to buy now or wait for rates to drop.

It’s important to research these factors to have an understanding of the market. But you can also seek the guidance of a financial advisor or a mortgage broker. They have expertise in market trends and can provide advice tailored to your circumstances.

Step 6: Leverage First-Time Homebuyer Programs

If you’re navigating the housing market for the first time, there are a plethora of programs tailored to assist you in securing a favorable interest rate. These programs, often government-supported or backed by financial institutions, are designed to make homeownership more accessible. They offer a variety of incentives such as competitive mortgage rates, lower down payment requirements, or even assistance with down payments.

To qualify, you usually need to meet certain criteria, including income limits, purchasing in a designated area, or completing a homebuyer education course. It’s crucial to investigate these opportunities, as eligibility can vary widely between programs and regions.

Tapping into these programs can significantly alleviate the financial strain of homeownership, reducing your mortgage rate, and making the dream of owning a home more achievable and affordable. Research and due diligence are key in identifying and securing these benefits.

Step 7: Compare Multiple Lenders

Actively seeking and comparing options from several lenders can help you secure the most favorable interest rate. Here are three steps to take in your search for the best mortgage rate.

  • Know what to compare: Each lender may have unique offerings in terms of mortgage loan options, closing costs, and interest rates. By getting quotes from a minimum of three lenders, you ensure that you have a broad spectrum for comparison, helping you make an informed decision.
  • Utilize financial tools: A mortgage calculator is an excellent tool for to evaluate lenders. By inputting the variables of different interest rates, loan terms, and down payment amounts, you can get a clearer understanding of the monthly payment and total cost associated with each loan option.
  • Take your time: Don’t rush this step. It’s important to thoroughly review and understand each offer. Remember, a mortgage is a long-term commitment, and the details matter. Choosing the right lender can save you thousands of dollars over the life of your loan.

Step 8: Negotiate Your Mortgage Rate

While it might seem daunting, negotiating your mortgage rate is entirely possible and could result in substantial financial savings. Lenders and mortgage brokers often have some flexibility in the rates and fees they can offer. This is where thorough research and understanding of your own financial health, including your credit scores, debt-to-income ratio, and loan options, can be advantageous.

The more you understand these factors, the more leverage you have during negotiations. A well-prepared negotiation strategy can give you a significant advantage in securing a mortgage rate that suits your financial situation best.

Remember, even a slight decrease in your mortgage rate can result in significant savings over the life of your loan. It’s worth the effort to negotiate terms; it could save you a considerable amount of money in the long run.

Conclusion

Securing the best mortgage interest rate can make your dream home more affordable and save you thousands over the life of the loan. By understanding how different factors like your credit scores, down payment, and loan term affect your rate, you can take steps to secure the best mortgage deal. Remember, a home loan is likely to be one of the biggest financial commitments you’ll ever make, so take the time to get it right.

Frequently Asked Questions

What is the ideal credit score for getting the best mortgage rate?

While credit requirements can vary by lender, a credit score of 740 or higher generally qualifies borrowers for the best mortgage rates. However, it’s still possible to secure a mortgage with a lower credit score, but the rates might be higher.

What’s the difference between a fixed-rate and an adjustable rate mortgage (ARM)?

A fixed-rate mortgage has a constant interest rate and monthly payments that never change. This offers stability and predictability over the life of the loan.

Adjustable rate mortgages have an interest rate that may change periodically, affecting your monthly payments. The rate adjustments are tied to market conditions and specified in the mortgage agreement.

The main difference is that a fixed-rate mortgage offers long-term stability in payments, while an ARM carries the risk of the payments increasing or decreasing over time.

How much can I save by improving my credit score?

The difference in mortgage rates between different credit score ranges can be substantial. For instance, improving your credit score from ‘fair’ (580-669) to ‘very good’ (740-799) could potentially lower your interest rate by a full percentage point or more. Over the life of a 30-year mortgage, this could translate to tens of thousands of dollars in savings.

How much should I save for a down payment?

The amount you should save for a down payment can depend on the type of loan you’re getting and your financial situation. Traditionally, a 20% down payment is recommended for conventional loans, as this allows you to avoid paying for private mortgage insurance (PMI). However, some loan types, such as Federal Housing Administration (FHA) loans, allow for lower down payments.

How do I choose between a 15-year and a 30-year loan term?

The choice between a 15-year and a 30-year loan term depends on your financial circumstances and goals. A 15-year loan typically has a lower interest rate but a higher monthly payment, making it a good choice if you can comfortably afford the payments and want to pay off your mortgage faster. On the other hand, a 30-year loan has lower a monthly payment but a higher interest rate, making it a more affordable option for many buyers.

Is it worth buying discount points to lower my interest rate?

Whether it’s worth buying discount points depends on your particular situation. If you have the cash and plan to stay in your home a long time, buying points can be beneficial. The savings over time from a lower rate can exceed the points’ upfront cost.

What are some examples of first-time homebuyer programs?

First-time homebuyer programs can vary by state and by lender, but some examples include FHA loans, USDA loans, and VA loans, as well as specific state-sponsored programs that offer down payment assistance or tax credits. It’s worth checking with your local government and potential lenders to see what programs might be available to you.

How do market conditions impact mortgage rates?

Mortgage rates are influenced by a variety of market conditions, including inflation rates, economic growth indicators, and monetary policy decisions by central banks. Generally, when the economy is strong, mortgage rates tend to rise to keep inflation in check. Conversely, during economic downturns, rates often fall to stimulate borrowing and investment.

Source: crediful.com

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Age Group

Average Credit Score

18-25

679

26-41

687

42-57

706

58-76

742

77+

760

Experian® Q3 2022

Average Credit Score by 20

The average credit score for those aged 18 to 25 is 679. This average credit score is the lowest on our list because this age group is just beginning to build their credit scores Lower earnings, student loans, and higher credit card usage can impact credit scores. 

Average Credit Score by 30

The average credit score for those aged 26 to 41 is 687. This age group is building their credit along with higher salaries. This age group may be paying off education loans or large investments like cars and homes. 

Average Credit Score by 40 – 50 

The average credit score for those aged 42 to 57 is 706. This age group is investing more in retirement finances and working to reduce debt and large investments like mortgages. 

Average Credit Score by 60 and Higher 

The average credit score for those aged 58 to 76 is 742. For those older than 77, the average credit score is 760. These groups are either stepping into retirement or enjoying the rewards of retirement life. These groups may be working off a debt to have minimal debt going into retirement or avoiding accumulating debt altogether. These groups have the highest credit scores due to their ability to pay off debts and build credit scores over the years. 

Average Credit Score by State

As of September 2022, Minnesota had the highest average credit score at 742, whereas Mississippi had the lowest average credit score at 680. Overall, the southern states produced lower credit scores than the northwestern and midwestern states.

How to Build Credit at 18 

Building credit sooner than later will provide you with more loan options and lower interest rates. There are many ways to start building credit and improving your credit. 

1. Improve Your Financial Literacy

Before building credit, it’s important to learn about credit management and personal finance. Spend some time researching how credit works and how to make the best financial decisions for your circumstances. Take a look at Credit.com’s extensive tips and guides for further help and information. 

2. Get a Starter Credit Card

Your first option to start building your credit is with a secured credit card. A secured credit card is much easier to apply for. However, it requires a security deposit. This security deposit acts as collateral in case you can’t make your credit card payments. Be sure the credit card company you choose reports to the three major credit reporting agencies. 

From here, begin using your starter credit to build your credit and submit your monthly payments on time. 

3. Become an Authorized User

If you have a family member or friend with a credit card and a good credit score, you can ask them to add you as an authorized user. Just double-check that their credit card company reports authorized user information to the credit bureaus, or this won’t work. 

As an authorized user, you don’t need to access the account owner’s credit card or even use the account to reap its credit benefits. When you’re an authorized user, the on-time credit payments made by the account owner are automatically reflected on your credit report. Becoming an authorized user is a great way to quickly start building your credit. However, if the account owner doesn’t submit payments on time, this can negatively impact you. 

4. Submit Payments on Time 

This may be the most important way to build credit, as payment history makes up 35% of your FICO® credit score. It’s crucial to make credit card payments on time, so it’s best to only take on debt if you can pay it off by the time it’s due. If your payment is 30 days past due, your credit card company can report it, which would likely hurt your credit score. 

5. Check Your Credit Report

Monitor your credit report regularly. Although uncommon, payment inaccuracies and misinformation found on your credit report can drop your credit score. You are legally entitled to one free credit report each year from the three major credit reporting agencies. If you see an error on your credit report, you can dispute it with the agency. 

FAQ

Below are frequently asked questions about your credit score and how to improve it. 

What Is the Average U.S. Credit Score?

In September 2022, the average U.S. credit score was 714, which is unchanged from 2021. 

When Does Your Credit Score Build the Most? 

Your credit score builds the most when you’re actively contributing to improving your credit score. Establishing initial credit in a good range (around 670 – 700 or higher) can take at least six months, but building your credit up to a good credit score can take several years. Practicing good credit management, like submitting payments on time, will make the biggest difference in how fast your credit builds up. 

How Do You Find Your Credit Score?

It’s important to check your credit score regularly. There are a few ways to get your credit score, such as:

  • Look at your credit card or loan statement: Most credit card, loan, and bank institutions provide credit scores for customers. You may be able to find an up-to-date credit score on your most recent bank statement. 
  • Use a credit score service: Use a free or subscription-based credit score service to see your credit score. Some credit scoring sites provide a free trial for new users to test out their site, during which you can check your credit score. 
  • Apply for a free credit report: The three major credit reporting agencies must legally provide you with a free credit report every year upon request. You may request your credit report from Experian®, Equifax®, or TransUnion®. 

You should also check your credit report regularly to verify your credit report is free of any inaccuracies or misinformation. 

Review Your Next Credit Report With Credit.com

Now that you know the average credit score by 18 (679), it’s time to start building your credit. Setting up financial goals and practicing good credit management will help you build credit. 

Curious about your financial health? Get graded with our free credit report card to see what is affecting your credit score.

Source: credit.com

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Inside: Discover a treasure trove of savings during Amazon Prime Days 2023! Maximize your budget, snag the best bargains, and embark on the journey of a financially savvy shopper.

In the pursuit of Money Bliss, making thoughtful and strategic purchasing decisions is key.

If you’ve been eyeing that item on your wishlist or contemplating a purchase that aligns with your needs, Amazon Prime Days might just be the opportune moment to turn that desire into a savvy financial decision.

Amazon Prime Days offers a limited-time chance to acquire the items you need while keeping a firm grip on your budget.

So, go ahead, explore the Prime Day deals, and let the thrill of savings elevate your journey toward financial well-being.

Remember, it’s not just about what you buy—it’s about how wisely you buy it.

Make sure you scroll all of the way to the bottom of this post! I captured ideas from real people on what they want for the Amazon Prime Days 2023!

Happy shopping!

When Are Amazon Prime Days 2023?

Amazon Prime Days 2023 are October 10 and October 11.

Why Shop Amazon Prime Days?

Here’s why navigating the digital aisles during Amazon’s annual shopping extravaganza can be a brilliant move for your wallet and your quest for savings.

1. Irresistible Discounts:

Amazon Prime Days are synonymous with jaw-dropping discounts and deals. Whether it’s electronics, home essentials, or personal care items, the prices often take a dip that’s hard to resist.

This presents a golden opportunity to snag that coveted item you’ve been eyeing at a significantly lower cost, instantly contributing to your maximizing savings.

2. Strategic Timing for Big Purchases:

If your intended purchase is a substantial one—perhaps a new gadget, appliance, or even furniture—Amazon Prime Days provides a strategic window for major savings.

By aligning your buying decision with this event, you can make that big-ticket item more budget-friendly, helping you stay on track with your financial goals.

3. Bundled Offers and Exclusive Launches:

Amazon Prime Days often come with exclusive launches and bundled offers. Whether it’s a combination deal on related products or early access to new releases, these perks can enhance the overall value of your purchase.

By capitalizing on these special offerings, you not only save money but also potentially gain more for your investment.

Special pricing will only be reflected during Amazon Prime Days. As deals are dropping every five minutes!

4. Prime Day-Exclusive Benefits:

Being a Prime member comes with its own set of privileges, and Prime Days amplify these benefits.

From lightning deals to free shipping, the exclusivity of these discounts adds an extra layer of value to your purchases.

Deals start early for Amazon Prime Members too!

5. Kickstart Your Holiday Shopping:

For the savvy planner, Amazon Prime Days serve as an excellent opportunity to jumpstart your holiday shopping. Or finish up your Christmas shopping like my friend, Kaitlyn.

By taking advantage of discounted prices during this event, you can spread out your expenses and avoid the last-minute holiday shopping rush, ensuring a stress-free and budget-friendly festive season.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Popular Amazon Prime day Deals

Best Seller

TMY Mini Projector

The V08 mini projector includes a 100″ projection screen that is tailored to meet your needs. Set up your own home theater anywhere to watch movies, TV shows, photos, slide shows, and play video games. 

Another hot family Christmas gift!

Buy Now on Amazon

Get Prime Day Deal

10/24/2023 12:02 am GMT

Spoil Yourself with These

My Favorite

Prime Day Deals For Home

Kitchen Steals

Most Wished For

50-piece Food storage Containers Set

$44.99
$39.99

These containers are refrigerator, freezer, microwave safe, stain-resistant and dishwasher safe, making cleaning a breeze.

Perfect for portion sizing and includes sticky labels and a chalk pen for great for kitchen & pantry organization and storage.

Buy Now on Amazon

Get Prime Day Deal

10/24/2023 04:47 am GMT

Fashion Steals

Popular Item

Fitness Items You Have Been Eyeing

With Kids

For Our Treasured Pets

For School

Travel Essentials

When You Can’t Find it in Your Buy Nothing Group

Okay, I asked my local Buy Nothing Group what the most wanted items they wanted on Amazon Prime Days and they let me know. Here are a few of their wants.

And if you don’t know what a Buy Nothing group is… It is a local group focused on ways to give away, lend, or share anything to keep it out of landfills! You can find your local group on Facebook.

Popular Want

Thule Universal Ski & Snowboard Rack

$199.95
$175.00

Thule Universal Snowsport Carrier Fully locking rooftop snowsport carrier holds skis and boards securely with ultra-soft rubber arms that grip without scratching the surfaces.

Thule is a great product and rarely is discounted!

Buy Now on Amazon

10/24/2023 07:47 am GMT

Because You Need to Stock up

Time to Shop Those Amazon Prime Days Before They Are GONE!

As the curtain falls on Amazon Prime Days 2023, seize the moment and secure the deals that beckon to your savvy shopper’s soul.

The virtual aisles are teeming with savings, and the time is ripe to claim what your budget permits.

Remember, the thrill of a great deal lingers far longer than the sting of an impulse purchase.

So, shop wisely my friends, prioritize your needs, and relish the joy of snagging the best bargains.

Make sure you act swiftly before the deals vanish into the digital abyss, and may your purchases bring not just instant gratification but lasting Money Bliss.

Happy shopping, frugal budget maestros!

Now, All of the Amazon Insider Information:

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org