Here are some of the best ways to keep more cash in your pocket every month.

 1. Eliminate High-Interest Debt

 High-interest credit cards can drain your money fast. A smart way to pay them off is: • 

• Step 1: Pay off the smallest balance first. This gives you a quick win! • 
• Step 2: Then, focus on the card with the highest interest rate. 

Homeowners can also use home equity to consolidate debt. Mortgage rates are often much lower than credit card interest rates. This can save you hundreds of dollars each month. 

📞 To find out if a refinance is right for you, book a free equity analysis at this link here or call (408) 687-6109. 

If you have separate insurance for your home and car, you could be paying too much! Many companies offer discounts when you bundle your home and auto insurance together. 

Example: If your car insurance is $120/month and home insurance is $80/month, bundling could save you $25–$50 per month.

3. Talk to a Financial Planner

A financial planner can help you: 

• Build wealth with smart investments. 
• Save money on taxes. 
• Create a plan for early retirement. 

Even small changes, like putting more money in a retirement account, can add up over time! 

4. Increase Your Credit Score

A higher credit score means lower interest rates on loans and credit cards. Here are 5 ways to boost your credit score: ✅ Pay bills on time. ✅ Keep credit card balances low. ✅ Don’t open too many new accounts at once. ✅ Check your credit report for mistakes. ✅ Keep old credit accounts open to build credit history.

Example: Raising your credit score from 650 to 750 could lower your mortgage payment by $100 or more per month. 

5. Review Monthly Subscriptions 

Look at your credit card statements. Do you really use all your subscriptions? Cancel the ones you don’t need. 

Example: If you cut out just two $10 subscriptions, that’s $240 saved per year! 

6. Pay Yourself First 

Put 10% of your income into savings before spending on anything else. This can help you: • Pay off debt faster. • Save for a bigger down payment. • Build an emergency fund. 

Example: If you earn $5,000/month and save 10%, that’s $500 per month going toward your future!

7. Pay Your Mortgage Off Sooner

Switching to weekly payments instead of monthly can help you pay off your mortgage faster and reduce interest.

Example: A $2,000/month mortgage paid weekly instead (about $500 per week) could cut 4–5 years off a 30-year loan and save tens of thousands in interest!

8. Get an Accountant to Review Your Taxes

An accountant can find tax savings that you might miss. For example, homeowners may be able to deduct mortgage interest, property taxes, and home office expenses.

Example: A good accountant could save you $1,000 or more per year in taxes!

Or book an appointment here: Schedule Now