Get $500 to Spend on What You Want!

free Get $500 to Spend on What You Want!

 free Get $500 to Spend on What You Want!

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If you were planning a paid stay in Europe, this targeted Amex Offer is a good way to save up to 20% on your accommodation costs. As noted above, be sure to check the list of participating properties as not every Hilton property will trigger the statement credit.
It’s also important to ensure that your bill will come to $500 or more by the time you stay. If your total is only marginally above $500 when converted to USD today, exchange rate fluctuations between now and your stay could result in it dropping below $500 when converted. While a better currency conversion is beneficial in that it lowers your bill, if it means missing out on the $100 statement credit then it’s not so good.Half of my friends—even ones with good-paying jobs—live paycheck to paycheck. Saving even $500 seems like an impossible task.

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I know because I used to do the same thing. It’s hard to put money into savings when you’re paying off student loans, credit card debt, and use the air conditioner during summer. Just a couple of years ago, The Wall Street Journal reported that twenty-somethings had a negative 2 percent savings rate. Things have turned around in the past two years, with different surveys reporting that Millennials are now actually out-saving older generations by a considerable margin, and socking away anywhere between 5 and 7 percent of their annual income.

Even if you’re budget is razor thin, you can and should save money for the big things in life, like a house (assuming you want one) or old age (which will come whether you want it to or not).

And if you have some savings, you won’t have to pull out a credit card when your car breaks down, or some other emergency pops up.

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Here are some simple ways to save your first $500 fast.I spent a decade hustling to make more money in my career, make extra money on the side, and save money.

I accomplished the first two goals, but I never saved a dime.

Looking back, I realize why—I never had a savings account.

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I guess I thought that I had the self-restraint to just leave a few hundred dollars in my checking account.

But psychologically, that’s the equivalent of buying a pint of ice cream, sticking it in the freezer and not eating it.

If you want to save, you need to open an account that’s specifically for savings.

Think twice before you open that account at your bank. You’ll be able to access the money with your debit card.

Instead, try an online savings account. When you want to access the money, it takes a few days to transfer it into your checking account.

Translation? You can’t get the money to indulge a whim.

When you open that account, deposit $20 into it right away, and set up automatic withdrawals for your next few pay periods—even if it’s just $5 per paycheck. “Get that emergency fund going right away,” says Beverly Harzog, consumer credit expert and author of “The Debt Escape Plan: How to Free Yourself From Credit Card Balances, Boost Your Credit Score, and Live Debt-Free.”

Figuring out how to save more might take some time. But don’t waste even more time in the interim.Even if you’re living paycheck to paycheck, you can find $10 a month.

It took me a decade to start saving because I also didn’t want to look too closely at my financial situation. It made me feel bad.

But then it occurred to me that budgeting money is no different than grocery shopping. It’s just something big girls and boys have to do.

And, unlike grocery shopping, I can have a glass of wine while I do it.

Beverly recommends that you do this:

“Write down your expenses. Then go line by line and ask yourself questions about each expense,” she says. “When you decide you can live without something, put that money in your fund.”

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I did this after talking to Beverly, and realized that I never really use my Hulu subscription. At first I thought, “What difference will $7.99 per month make?”

But then I discovered I’d been paying $2 per month for an app I never use. Looking at my cable bill, I realized I was still paying for HBO, even though I stopped watching Game of Thrones awhile ago. (Every male character looks the same to me.)

Boom! There’s my $10 a month.

Then, before I knew it, I had nearly $30 to add to my savings account each month.

“Find $10 savings in different areas. If you do that in five places, you’ve got $50,” Beverly says. “Don’t get upset by small amounts. And nothing is off the table, even something that seems like a fixed amount.”

For example, Beverly suggests taking a closer look at your car payment. “Maybe you can refinance that loan and get a lower payment,” she says.

Related: See if you can save money by refinancing your car loan

Here’s another tip—don’t let anyone else tell you what expenses you should cut. “If a latte is super important to you, cut elsewhere,” Beverly says. “If you cut too much, or the stuff that really matters to you, you’ll go on a binge.”

But what if you have credit card debt? Should you pay that off first? Or fund your savings?

Beverly suggests doing both, with the majority going to your debt. “If you find an extra $50, put $35 towards the debt and $15 to savings,” she says. “And if you can transfer a credit card balance to a card with 0 percent interest, do that.”

In Money Under 30’s 6 Steps To Financial Success, we recommend saving a “bank account buffer™” of $500 to $1,000 first—even before putting extra toward your debt.A friend of mine, San Diego resident Cathy Parrish, always loved scrounging around garage sales, flea markets, and thrift shops for eccentric home décor. Other people told her how much they loved her knack for interior design. A few years ago, it occurred to her she could make some money off this hobby.

So she started buying unique stuff for next to nothing, cleaning them up, and marking up the prices. She’d hawk the goods at craft fairs, hold private parties, or rent a space inside resale shops. “For a few years, I made a couple hundred bucks a year this way,” she says.

But the overhead associated with brick and mortar establishments cuts into your profits. Like Cathy, you may find it’s less expensive to start a website