11 Super Simple Money Moves to Grow Your Wealth in 2019

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Want to grow your wealth right now? Here are 11 tools that will let you improve your finances today with little effort and help you build confidence.

Like it or not, the New Year is upon us. Many want to improve their finances in the New Year, but give up when things don’t happen at the pace they want or they don’t know where to start.

I don’t care what your financial standing is; there’s always a way to improve it. You may either need to pay off debt or make more money or something else – it doesn’t matter as there are plenty of ways to grow your wealth today.

If you need to improve your finances, here are 11 different money moves you can make in 2019 to grow your wealth.

Open A Savings Account


Opening a savings account seems boring. A savings account is the best tool to keep your finances on track. When I started paying off over $50,000 in debt, opening a savings account was the first thing I was told to do, and I’m glad I did. It allowed me to handle emergencies because they do happen, and it also helped me sleep at night.

You want a bank that will let you open a savings account with no minimum balance and pay a decent interest rate.

Barclays does this, allowing you to open with whatever you want and pays 2.05 percent – 22x the national average. It doesn’t matter if you start saving with $5 or $50 per month, just start saving and build momentum.

Start Investing


I remember when I first started investing in the stock market. I was scared and knew nothing about investing. After reading a few books, I had the confidence to start. If you feel the same way, you can start investing with little money and do quite well.

You don’t have to wait. Ally Invest lets you open an account with no minimum balance requirement and has many tools to help you start investing. Ally Invest also only charges $4.95 per trade, which is the lowest in the industry!

Do you have a 401(k)? When was the last time you analyzed it to make sure you’re in low fee options and the best funds possible?

Blooom will give you a free analysis of the investments in your plan to lower fees so more of your money will work for you. Blooom does charge $10 per month, but offers a 30-day free trial to help get your 401(k) plan in shape.

Refinance Your High-Interest Debt


I hate debt. It enslaves you to others and keeps you from reaching goals. I also hate the high-interest rate many banks charge on debt. The first thing I did when paying off debt was work to lower the interest rate on my credit cards so more of my payment would go against the debt.

The best way to do this is through consolidating your debt with a personal loan. This has a few benefits, including:

  • Lowering your interest rate
  • Reducing your payments to one monthly payment
  • You’re less likely to forget making payments
  • You can pay off debt quicker

Avant is a great lender to consolidate your debt. You can get funds within a few days, helping you begin your journey to becoming debt free.

If you have student loans, Credible is a great option as they have rates as low as 2.54 percent and save the average person almost $19,000. Credible allows you to compare up to seven lenders at once and provides options within two minutes.

Paying off debt seems impossible. It’s not, but you do have to start. Check out our guide on how to pay off debt faster this year to get an idea of where you can start.

Make Extra Money Driving


I love making extra money, but many say they don’t have the skills needed to make extra money. If you can drive, then you can make extra money, and you can meet new people.

Lyft is one service that lets you make extra money driving, on your own schedule. In fact, they’re currently offering a $250 sign on bonus. We have several friends who drive for Lyft and make good money each month.

Do you want to drive, but would rather not deal with people in your car? You can deliver meals for Uber Eats or DoorDash and make good money.

Check out our review on how to make money driving your car to learn what each company requires and how to maximize your earnings.

Use a Robot


No, not a real robot; but a robotic assistant that saves you money. Trim is a free to use app that cancels all your unused subscriptions.

You download the app, connect accounts, and bills and their robot assistant emails you with ways to save you money.

If you don’t use the service, Trim cancels it for you. If you want to keep a particular service, they work to negotiate to lower the bill. The average person saves over $30 per bill with Trim, which can add up to big savings. Read our Trim review to learn more about how the app can save you money this year.

Track Your Spending


After I opened a savings account when paying off debt, the next thing I did was track my spending. It doesn’t matter what you spend; you want to keep track of it, so you know where each dollar goes as knowledge is power.

We use Personal Capital as it helps us stay on top of our financial lives and track our net worth. It’s also free to use. You can read our Personal Capital review to learn more about the service. It’s a robust service that goes well beyond tracking your spending.

Tiller is another favorite tool of ours to track spending. Free to use for the first 30 days, Tiller puts your bank transactions into Google Sheets on a daily basis so you can customize it to your particular budget needs.

Buy Cheap Life Insurance


Life insurance is key to a well-rounded financial plan. Many don’t have life insurance because they think it’s too expensive or that they can get to it later.

Thankfully it’s not as expensive as you’d think and the sooner you act, the cheaper it is. After all, the last thing you want is to have an untimely death and not provide for your family. You can protect them for very little each month.

PolicyGenius lets you compare providers to find the cheapest option. They also let you compare car insurance, renters insurance and more to find savings opportunities.

Check Your Credit


Knowing what’s on your credit report is an important part of good financial health. I’m a Jr., and I’ve had numerous accounts from my father listed on my credit report, so I need to check on a regular basis.

I use a service called CreditSesame as they provide your credit score in seconds for no charge, along with other important credit details. It’s important to check your credit several times a year, to make sure there’s nothing wrong.

Many service providers have access to your credit, so it’s important to make sure everything is correct. You don’t want something wrong to be reported and impact the price you pay for a service.

Sell Your Old Electronics


I hate clutter around the house. One of the main culprits of that clutter is old electronics we no longer use. We use Gazelle – a service that buys back old electronic devices like smartphones and tablets to get a little cash back.

Check out our guide on the best places to sell old electronics for cash for options other than Gazelle. Each company has their own specialty, so you may benefit from comparing services.

We put the extra money into our vacation fund. You can use it to put in savings, pay off debt, or any other area of need as every little bit extra helps.

Make Money Watching TV


Want to make extra money, but don’t want to give up your down time? You can make extra money watching TV by taking surveys. Taking surveys is a great way to make a little extra money to boost your savings.

Below are the best paid survey sites to make money in your free time:

Survey Junkie: This is our favorite survey company since they pay you cash straight to PayPal or let you redeem rewards for Amazon gift cards.

Pinecone Research: This survey site pays $3 per survey and you can choose between PayPal, Amazon or restaurant gift cards for your payment. They also pay to do product testing.

Ipsos i-Say: Ipsos is one of the oldest survey sites in the market, starting in 1975. Ipsos has a wide variety of survey and product testing opportunities, with a low redemption threshold of only $5, or 500 points. Ipsos also enters you into free drawings (one entry per survey) for extra cash and travel.

You won’t get rich taking surveys, but they can be a great way to make money when doing something mindless like watching TV.

Want to grow your wealth right now? Here are 11 tools that will let you improve your finances today with little effort and help you build confidence.

Get Cash Back for Your Shopping


How would you like to get paid for your shopping? One of my favorite apps to get cash back on my shopping is Ibotta.

Ibotta works at the grocery store, letting you take advantage of rebates on purchases you make. Ibotta also works at 350+ retailers, including Amazon, Target, Walmart and more.

You get a free $10 when you sign up to help you start saving, and you can redeem funds once you reach a $20 balance. Here’s our Ibotta review to learn more about how the service works.

It is possible to grow your wealth this year


Many believe you need to be an expert, or have a lot of money to grow your wealth. You don’t. Most of the above money moves can be done rather simply and with little to no money.

Improving your finances often seems overwhelming. If you feel that way, find one area you want to improve in and focus on it. This makes it more manageable and allows you to build confidence to work on other areas as time and resources allow.

The best part of each of the above is you can start them all today. Pick one and attack it. By the end of 2019 you’ll be surprised at how much progress you’ve made in growing your wealth.


What are some other tools you’ve used to improve your finances? What’s the top way to grow your wealth, in your opinion? What’s one area you want to improve on financially this year?

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John is the founder of Frugal Rules, a dad, husband and veteran of the financial services industry whose writing has been featured in Forbes, CNBC, Yahoo Finance and more.

Passionate about helping people learn from his mistakes, John shares financial tools and tips to help you enjoy the freedom that comes from living frugally. One of his favorite tools is Personal Capital , which he used to plan for retirement and keep track of his finances in less than 15 minutes each month.

Another one of John's passions is helping people save $80 per month by axing their expensive cable subscriptions and replacing them with more affordable ones, like Hulu with Live TV.


  • Guy A Moore says:

    Once you contact Credit Sesame, there is no way to unsubscribe without many steps and you will get emails forever. Never again. There are other sources.

    • John Schmoll says:

      I agree, there are other sources. Credit Karma is another good option. I’ve never had this personal experience with Credit Sesame, but many other companies are that way and is not unique to your experience with Credit Sesame. You can unsubscribe but it often take at least a week or two to get removed from their promotional list.

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