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Sage 50cloud vs. QuickBooks Online: Which One Is Best for Your Small Business?


Both Sage 50cloud and QuickBooks Online are powerful accounting solutions for most small businesses. Even so, there are a few factors worth considering so that you can be confident about your decision now and in the future.

QuickBooks Online is the better candidate for business owners looking to prioritize scalability and the ability to easily mill in accountants. And if they want deeper insights into the logistics of their growing business, the reporting capabilities of QuickBooks Online can be scaled with any plan level. However, the unlimited users feature makes Sage a winner among larger businesses and established small businesses that require more than 25 users. However, QuickBooks Online is cheaper.

Sage 50cloud vs. QuickBooks online overview

  • Premium: $ 84.58 – $ 194.75 per month.

  • Quantum: $ 139.58 – $ 356.83 per month (request for quote 11+ users).

  • Easy start: $ 25 per month.

  • Base: $ 50 per month.

  • Advanced: $ 180 per month.

  • Easy start: 1 user; 2 auditing firms.

  • Essentials: 3 users; 2 auditing firms.

  • Plus: 5 users; 2 auditing firms.

  • Advanced: 25 users; 3 auditing firms.

Good. Users can customize password lengths and expiries and create and assign roles with specific access rights to control which features and functions are available at employee level. Sage is well known, but not as popular as QuickBooks Online.

Excellent. Email your accountant a link to sign in to your QuickBooks account. QuickBooks has 4.5 million users worldwide, which means your accountant is likely familiar with it.

Good. Sage’s plans give small businesses room to expand with the option to upgrade in the future.

Excellent. Advanced, custom reporting capabilities in higher-level plans can be of great benefit to experienced business owners interested in creating more sophisticated reports.

Excellent with a usability rating of 9.0 from TrustRadius.

Excellent with a usability rating of 8.3 from TrustRadius.

Extra ease of use note: If you want to get the most out of your accounting software, whether you choose Sage, QuickBooks Online, or something else, you will need to invest some time learning the fundamentals of accounting. The information on the Sage and QuickBooks dashboards can be overwhelming if you don’t brush up on the information terminology and why it matters.

Maximum number of users: Sage wins

If you need to give more than five people access to accounting, Sage might be a better option for you. QuickBooks Online’s most popular Plus plan is five users, and the highest Advanced plan, which is expensive at $ 180 per month, allows up to 25 users. In contrast, Sage’s top tier Quantum plan is more expensive but doesn’t limit the number of users. All in all, however, user limits shouldn’t be a big deal unless you have a larger company.

Reporting Complexity: Tie

As business owners learn more about accounting, they may want to produce more detailed reports, and that ability increases with each of the four QuickBooks Online plan levels. Sage offers over 150 reports, including reports dedicated to companies in the construction, manufacturing, or sales industries. Reports can be customized, grouped, filtered and combined.

Popularity: QuickBooks Online is winning

QuickBooks is an industry standard with 4.5 million users worldwide. With more than two million users worldwide, Sage is also popular, but not as ubiquitous. The numbers alone suggest that your accountant used QuickBooks.

Dashboard: tie

Finally, when you do decide to go with an accounting software, the hope is that you will be comfortable with it. Before making a decision, it is a good idea to test each software product to review its dashboard and shortcuts. While both Sage and QuickBooks Online are easy to use and clean in appearance, you may find that you prefer one layout over the other.

Integrations: QuickBooks Online Wins

QuickBooks Online gives you access to an impressive marketplace with over 600 apps – including third-party tools and QuickBooks add-ons. Sage 50cloud advertises 13 other applications such as Stripe and VeriClock. However, you need a Microsoft 365 subscription and integration to use the premium version.

Mobile app: tie

Both vendors offer mobile apps that can be very helpful for checking things out of the office or off the computer. Both apps are also highly rated in the Apple App Store, though QuickBooks has far more reviews than Sage 50cloud.

Free Trial: Tie

Both providers offer free trials, which is huge for switchers wondering if these offers will work for them. QuickBooks Online offers a free 30-day trial for new customers (or a 50% discount on a 30-day subscription of your choice). Sage is also offering a free 30-day test drive.

Support: QuickBooks Online wins

Business owners who prefer to work on the phone through hiccups will prefer QuickBooks Online, which has extended hours during the week (6:00 a.m. to 6:00 p.m. Pacific time) and is open on Saturdays; Advanced plan owners receive 24/7 support. Sage also offers phone support Monday through Friday, 9:00 am to 8:00 pm (East Coast Time); each call is limited to one hour.

Loan Resources: QuickBooks Online Wins

Both platforms have partnerships to give you easy access to capital. However, setting up Sage with Biz2Credit is more geared towards helping your accountant (the partnership is for members of the Sage Accountants Network). With QuickBooks Online, however, you can arrange financing yourself directly through the Intuit Financing arm or through other lenders that QuickBooks works with.

A closer look at Sage vs. QuickBooks Online


13 other applications, such as Stripe and VeriClock. Microsoft 365 subscription and integration required for Premium.

More than 600 apps including QuickBooks Time, QuickBooks Payroll and Gusto.

Yes. Apple’s App Store gives 4.5 out of five stars, although this is based on only a few ratings.

Yes. Apple’s App Store awards 4.7 out of five stars based on more than 126,000 reviews.

New users get a 30-day free trial of Sage before deciding on a plan.

50% discount for the first three months or try a free 30-day trial.

Telephone support from 9:00 a.m. to 8:00 p.m. (East Coast Time), Monday through Friday; each call is limited to one hour.

Simple Start, Essentials, and Plus provide customer support by phone or messaging Monday through Friday from 6:00 a.m. to 6:00 p.m. PT and Saturday from 6:00 a.m. to 3:00 p.m. PT. The Advanced plan offers 24/7 support.

Accountants’ clients on the Sage network will have access to capital through Biz2Credit’s small business finance platform.

Apply for small business loans directly through QuickBooks Capital (not available in Nevada or Alaska).

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Good Financial Read: Advice For Retirement


Advice for retirement

Pension plan checklist

by Matt Elliott, Pulse Financial Planning

When and how you retire can be one of the biggest financial decisions you will make. This leads to a lot of new financial questions that you may not have looked at:

[Read the Full Article]

“Directions” for your retirement route!

by Kevin Clark, Plan Confidence Corp.

Earlier this week, I packed my car, got a coffee, and drove from Sarasota, FL to Chicago, IL with my 15-year-old daughter.

Now I have taken this trip many times, managing the “day-to-day operations” of my financial advisory practice in FL for three weeks and spending a week in IL managing all of my client appointments.

[Read the Full Article]

Living longer – what does that mean for retirement provision?

by Phil Weiss, Apprise Wealth Management

Many of us live longer than previous generations. As a result, we need to plan to finance our lifestyle for years to come. Retirement provision helps us provide the resources to maintain the desired quality of life in retirement.

While the gap narrows with age, women also tend to live longer than men. Plus, On average, women are younger than their husbands. This increases the risk of retirement for women.

[Read the Full Article]

Here’s how to make a forecast of retirement income for your plan

by Massi De Santis, DESMO investment advisor

Most people contribute more or less regularly to their retirement savings through IRA accounts, 401 (k) accounts or similar and taxable accounts. But what does this saving mean in terms of retirement income that you can expect when you retire? Are you contributing enough for the desired retirement provision? Will you have enough by the desired retirement age? Or when will you accumulate enough to meet your retirement needs?

[Read the Full Article]

If you want to retire early, here’s what you need to know

by Massi De Santis, DESMO investment advisor

More and more people are trying to redefine retirement. Many are young professionals with good income streams and excellent savings habits. Your goal is to become financially independent and to retire early, ideally sometime in your forties (the “FIRE” movement). The key question for them is: when will I be ready to take the plunge?

[Read the Full Article]

Following financial advisor blogs is a great way to access valuable, educational information about finance – and it won’t cost you anything! Our financial planners are happy to share their knowledge and help everyone, regardless of age or wealth.

I have a puppy


Before you say it, I’ll fight. I struggle with my children growing up, moving out and being far away. I mean, I’m good, but it’s hard. My whole life is built around being a mom. It is a real change not to be needed so much in this role.

So I did something … I have a puppy! A free puppy. Hello, Facebook Buy Nothing group! A whole litter was posted for free. They said the mother was a Shar Pei, the father was unknown and they would be ready in 4-5 weeks. I jumped on it.

And here it is … my new baby, Addie! And yes, I cuddle her like a baby every afternoon after work. All of my other dogs are adapting and are actually playing for the first time. It’s amazing to see. (For those who didn’t know, we’ve been caring for dogs for years, they’re all older and quite emotionally damaged from their previous life.)

Addie follows me everywhere. Finally she sleeps through the night. And I took her to Tractor Supply Vet’s Day a few weeks ago for her first vaccination and deworming (about $ 100). She also started taking me to the weekly open air concerts in our small town.

This was her first time on a leash so it was a learning experience. I realize this is different for my budget. But more than that, this is for my mental health. She makes me happy and comforts me and gives me someone to play ball … and I love her!



The post I Got a Puppy first appeared on Blogging Away Debt.

Students are urged to apply now for university funding if they want to get a place at university via “clearing” – do not wait for your Abitur results


It can take six to eight weeks for the SLC, which manages tuition and maintenance loan applications for English and Welsh students, to approve new applications or amendments to existing ones. Hence, she urges people to apply or make changes as soon as possible – even if they are not sure which course they are going to take. The alert comes in less than two weeks by A-Level Results Day on August 10th.

If you apply now, you can get your funding as soon as possible to the start of the semester, the SLC said, adding that you can update your online application later once you know exactly what degree you’re studying and where you might live. According to the SLC, the application process only takes about 30 minutes and you can initially use your first elective course.

The Scottish Students Awards Agency has also urged those in Scotland who have not yet applied for funding to do so as soon as possible, while the Northern Ireland Student Fund is reminding Northern Irish students that they too do not have a confirmed study place at. require university to submit an application for funding.

For more important information about student finance, check out our Mythbusting Guide to Student Loans.

How to apply for student funding

If you think you will be attending a university or college this academic year, it is best to apply as soon as possible – although now there is no guarantee that you will get the full amount you are entitled to before the semester starts the longer you leave it, the longer the potential delay.

The application process or the associated upfront fees have no effect on your credit file. So it doesn’t matter if you change your mind later and abandon the process before your funding is approved.

How to apply depending on where you normally live in the UK (not where you will be studying):

  • In England, you can apply via the Student Finance website. The SLC has also created a new guide for students wishing to go through clearing, with additional information, including steps you can take to ensure your application is processed quickly.
  • In Northern Ireland, you can apply and get help through the Student Finance Northern Ireland website.
  • In Scotland, you can apply through the Students Awards Agency website. The website provides instructions on what you will need.
  • In Wales, you can also apply via the Student Finance website. Student Finance Wales also has a dedicated guide for students going through clearing.

Journal Club 7/30/21 | Passive income MD


This is Journal Club 7/30/21! I stop every week JOURNAL CLUB. After filtering the articles on the web, I present some that have had an impact on my life this week. Be safe and stay healthy!

  • If you’re a homeowner, you probably know there is so much. Buying a home has mixed feelings about it; Excitement, confusion, stress, all at the same time. Additionally, thinking about saving money on closing costs can be overwhelming to say the least. But did you know that many of the loan terms are negotiable so you can put your hard earned money to better use instead of throwing it away when you close? Would you like to know how you can save thousands of dollars on graduation? Check out this article This will save you $ 8,000 in closing costs when buying a home from Love success and the sock drawer.
  • If you often debate whether it makes more sense to rent or buy, let me tell you that you are not alone. Knight Kiplinger of Kiplinger’s Personal Finance once said: “Rent is often less. The annual cost of owning a property, be it a house or a condominium, is usually higher than the after-tax rental cost. ”In the article, Is it Better to Rent or Buy?, JD Roth, the author of Getting rich slowly, evaluates the purchase or rental decision from a financial point of view.
  • When looking to buy something big, do you feel a little anxious and wonder if it’s going to go on sale anytime soon? Well, it’s a natural feeling, and it’s even more common when buying a house or other property. It is much more difficult to speculate when the housing bubble is about to burst, or to predict a market crash. Don’t worry, the author of Five years of fire escape has a process of dealing with the ups and downs of the real estate market and can teach you a thing or two on how to stop the stress in the market. Read the article, Are we facing a crash in the real estate market? to understand past and future market trends.
  • Worrying about saving too much for college stopping you from starting a 529 plan? Let’s be honest; Predicting what your children’s college spending will be in ten years or more is a tough task. But this is where the college compact comes in. The author of Chief Mom Officer talks about the benefits of opening a 529 for your kids’ college education and discusses legitimate ways to avoid paying fines or taxes on the unused money in the article, Saving Too Much For College On A 529 – Now What??

That’s it guys. Hope you enjoyed the Journal Club this week.

Are you reading anything interesting this week? Please don’t hesitate to share them in the comments below!

Thanks for reading and sharing!


Previous articleDie With Zero by Bill Perkins – Book Review

How to protect yourself from predatory lending


how to protect yourself from predatory loans

The main loan period for new student loans is in the summer months of June, July and August. But pirated loans can be a problem for some student loan borrowers year round.

What exactly is predatory lending? How can borrowers protect themselves from predatory loans? We answer these and other questions in this quick guide.

Definition of predatory loans

The term “predatory loan” is not precisely defined. Many borrowers use it to refer to loans the terms of which they do not like. But the FDIC defines it as “To impose unfair and abusive credit terms on borrowers.” Typical examples are payday loans and auto title loans.

Features of predatory loans

The FDIC identifies several characteristics of predatory lending, such as:

  • Abusive Collection Practices
  • Balloon payments with unrealistic repayment terms
  • High interest and fees
  • Fraud, Deception, and Abuse
  • Lending regardless of the borrower’s ability to repay
  • Loan refinancing with no economic gain for the borrower
  • Redirect borrowers who qualify for cheaper loans to higher-priced financing
  • Mandatory arbitration clauses
  • Early repayment penalties that borrowers can catch on expensive loans
  • Credit insurance that is added to the total loan amount and increases the total interest

Some of these characteristics apply to student loans and some do not. For example, government and private student loans legally have no prepayment penalties. But families who take out loans to pay for college may encounter non-educational loans that exhibit these characteristics.

Other characteristics of predatory loans include:

  • Aggressive sales tactics
  • Loans to vulnerable borrowers who lack financial literacy
  • Insufficient and misleading information
  • Discriminatory prices
  • Negative depreciation
  • Capitalized Interest
  • High failure rates

Federal and private student loans share some of these characteristics. So even legitimate loans are not perfect. Also, federal student loans are not subject to childhood defense or statute of limitations.

Both government and private student loans are given to traditional students. And some lack the financial sophistication to fully understand the ramifications of borrowing for college.

How to protect yourself from predatory lending

Here are four steps you can take to protect yourself from unfair credit terms.

1. Consider alternatives to borrowing

Apply for grants and scholarships that do not have to be repaid. Consider installment plans that spread college expenses over less than a year and don’t charge interest. You may also want to take on a part-time job to make some cash to pay college bills.

Borrow as little as you need, not as much as possible. The idea is to live like a student during school time so that you don’t have to live like a student after graduation.

2. Federal First Borrow

Federal student loans have low interest rates and flexible repayment terms. They also offer a wide variety of benefits (some of which personal loans cannot provide). These include government deferrals and deferrals, death and disability relief, income-based repayment and loan waiver options.

3. Check your creditworthiness before applying for a personal loan

You can view your credit reports for free at Mistakes can affect your ability to qualify for a loan and the interest rate you will pay if you qualify. Correct any mistakes by challenging them.

Do this at least 30 days before applying for a personal student loan as it can take a month to remove errors from your credit reports.

4. Look around when you are looking for a loan

Most borrowers focus on finding the cheapest loan. And that’s a great place to start. But other terms that might be of interest are the quality of customer service (e.g. the lender offers call center hours in the evening and on weekends) and the availability of credit discounts (e.g. discounts for automatic payments, discounts for good marks, discounts for theses).

When comparing student loans, borrowers should consider both monthly loan payments and total payments over the life of the loan. A lower monthly loan payment can mean much more is paid over the life of the loan.

The APR on a loan combines the effects of the interest rate, loan fees, and repayment period. A higher APR is a more expensive loan. Borrowers should be more careful when the APR on a loan is in the double digits. For example, an interest rate of 16% over 10 years means that the borrower pays more interest than the amount borrowed. With a term of 20 years, an interest rate of 8% or more means repaying more than double the amount borrowed.

Another bad sign is when a loan requires a term of more than 10 years in order for the monthly loan installments to be affordable. This is usually a sign that you’ve borrowed too much or the loan is too expensive.

Final thoughts

Ultimately, the best way to protect yourself against predatory lending is to acquire financial literacy. This will help you understand how interest rates, fees, and credits work so you can make smarter credit decisions.

Be sure to read The College Investor’s Student Loans Guide. Your school may also offer free courses on how to be financially responsible for paying for your education. Finally, has a plethora of financial tools such as calculators, budget worksheets, and planning checklists.

Nikola Stock falls indicted as founder Trevor Milton


Shares in Nikola Corporation (NASDAQ: NKLA) opened Thursday morning 8% lower after it was revealed that company founder Trevor Milton was indicted by the Southern District of New York federal prosecutor’s office (SDNY) and the SEC.

Milton is charged with fraud and false statements that mislead investors about the viability of Nikolas technology.

Milton had already resigned late last year and left the company amid controversy after activist short seller Hindenburg Research published a research report detailing how Nikolas product demonstrations were faked.

A truck is rolling down a hill

Specifically, Milton is accused of targeting private investors (especially individuals using apps like Robinhood) on social media and other media outlets, promoting Nikola, and claiming that the hydrogen fuel cell truck called Nikola One was commercially viable.

Hindenburg said the Nikola truck demo only showed that the vehicle was rolling downhill and that the truck was not going at all.

The company’s reaction also generated little confidence. “Nikola never said in the video that his truck was self-propelled,” the company wrote at the time. Nikola’s claims had even convinced car giants General Motors (NYSE: GM) to invest in the company, but the legacy automaker pulled out of the partnership after the revelations.

“From around November 2019 to September 2020, Milton’s statements in tweets and media appearances individually and collectively drew a picture of Nikola that differed greatly from his reality at the time,” says the SEC complaint.

The SEC’s legal filing contains a handful of allegations against Milton, including:

  • The false claim that the Nikola One could be “self-propelled”.
  • The false claim that Nikola could produce hydrogen and “obtained electricity at a cost that made hydrogen production profitable”.
  • Erroneously claims that Nikola has already secured multi-billion dollar contracts.
  • The false claim that the total cost of ownership of Nikola trucks would be 20 to 30% lower than comparable diesel vehicles.

Nikola went public by merging with a special purpose vehicle (SPAC) that gave Milton a 25 percent stake in the company. Securities regulators argue that Milton’s motive was to inflate Nikola’s stock price, which allowed him to pocket tens of millions of dollars. At Nikolas peak, Milton’s shares were worth over $ 1 billion.

“Milton’s focus remained on the share price and his attempts to influence the retail investors, whom he viewed as a driving force,” writes the SEC. “To that end, Milton kept track of the daily number of new Robinhood users who held Nikola stock.”

While Milton left Nikola many months ago, the ongoing skepticism about the company’s technology is still very relevant to investors. Here is Nicolas’ official statement on the charges:

“Trevor Milton resigned from Nikola on September 20, 2020 and has not been involved in the company’s operations or communications since then. Today’s government action is against Mr. Milton individually, not against the company. The company worked with the government during its investigation. We are sticking to our previously announced milestones and schedules and are concentrating on delivering Nikola Tre’s battery-electric trucks from the company’s production facilities later this year. “

Choose like a pro

Where can you invest $ 500 now?

Many new investors take long-term risk rather than buying stocks of great companies. I prefer companies like Amazon, Netflix, and Apple – they are all on my list of the best stocks for beginners.

There is one company that “called” these companies long before they made it big. They first recommended Netflix in 2004 $ 1.85 per share, Amazon in 2002 at $ 15.31 per share and Apple back in the iPod shuffle era $ 4.97 per share. Look where you are now.

This company: The Motley Fool.

For people willing to make investing a part of their financial freedom strategy, take a look at The Motley Fool’s flagship investment service. Stock advisor. They just announced their top 10 “best buys” across Europe entire exchange. Whether you’re starting with $ 100, $ 500, or more, be sure to check out the full details.

Click here to learn more

Evan Niu, CFA has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Millennial Money is part of The Motley Fool Network. Millennial Money has a disclosure policy.

Investment adviser sentenced to more than 5 years in prison for securities fraud


A South Carolina investment advisor charged by the Securities and Exchange Commission with perpetuating a decade of fraud against investors was Sentenced to more than five years in prison last week after pleading guilty to securities fraud in federal court.

George Heckler was charged with the same conduct in New Jersey as that in the The SEC’s complaint was filed earlier this year. According to the Commission’s complaint, Heckler had set up a private hedge fund in 1998 to manage money for friends and family, with Heckler acting as an advisor, and by 2008 the fund had more than $ 34 million in investing capital.

However, the Fund suffered huge losses in 2009 and further losses are likely. Heckler didn’t tell investors about the fund’s troubles, but instead set up the Cassatt Short Term Trading Fund and the CV Special Opportunity Fund, two separate hedge funds, to hide those losses so that investors in the failing fund would try to reclaim their money. From 2011 to 2019, Heckler raised at least $ 90 million from investors, ostensibly for these two funds.

Heckler told investors that their funds would be used for short-term stock trading that would generate returns. But more than a third of the money raised was never invested; according to the SEC, it was used to repay existing investors and for Heckler’s debts. In September 2014, an unnamed investor invested around $ 9.1 million in the Cassatt Fund.

“Heckler did not inform Investor A that Cassatt no longer had any open broker accounts or other direct trading opportunities at the time of this investment,” the complaint said. “Rather than dedicating Investor A’s investment to trading in securities, Heckler uses $ 4.6 million of Investor A’s money to repay existing CV Special investors and the remainder to meet other obligations he has no connection with Cassatt owes. “

In another case, another unnamed investor, who also worked as an investment advisor and hedge fund manager, decided to set up a new hedge fund that would invest its capital through a separate fund controlled by Heckler. By July 2016, this investor had approximately $ 10.1 million in Heckler’s funds, but those investments were never used to trade the strategy agreed by the advisors; instead, he used the funds to settle debts and make principal payments to an institutional investor with funds from Heckler’s Cassatt fund.

Throughout the scam, Heckler has been covering this up by offering investors fake bank statements of fabricated profits, according to the SEC.

Overall, according to the Justice Department, Heckler had raised about $ 1 million in fees and distributions for his own use. In addition to the 63-month prison term, Heckler was also sentenced to three years of supervised release and sentenced to $ 19.25 million. The SEC’s lawsuit against Heckler is ongoing.

Take these 4 steps to lower your cost of living – without moving


If you are determined to have the lowest cost of living among all the people in the United States, move to Mississippi.

Seriously – it has the lowest cost of living overall when you factor in food, housing, and transportation costs.

Dollar for dollar, your cash in Magnolia State will likely go further than if you lived in a large urban cluster like New York, California, or Florida. And you will definitely get more bang for your buck than if you lived in Hawaii – the state with the highest cost of living.

But pack everything up and move somewhere Just because it’s cheaper doesn’t make sense to most people. Jobs, family, friends, and just love of the place where you live means buying property outside of Jackson isn’t always a viable option.

Whether you live in Huntsville or The Hamptons, you can still cut your cost of living. Follow these steps to cut your bills and give your budget a Mississippi makeover.

1. Discount $ 489 / year on your auto insurance in minutes

When was the last time you checked car insurance prices? Unless you live in Ohio, North Carolina, or New Hampshire – the cheapest states to get auto insurance in 2021 – you are likely paying too much. And that can cut your cost of living significantly.

But no matter where you live, you should buy your options every six months or so – it could save you quite a bit of money. But let’s be honest. It probably isn’t the first thing you think about when you wake up. But it doesn’t have to be.

A website called makes it super easy to compare car insurance prices. All you have to do is enter your zip code and age and your options will be displayed.

With, people saved an average of $ 489 a year.

Yup. That could be $ 500 in your pocket just to take a few minutes to consider your options.

2. See if you’re wasting $ 690 a year on home insurance

You are probably wasting money right now. And it’s probably due to something you would never expect – your home insurance. But if you live in a place where housing is more expensive, you can actually control that.

This is not something you are actively thinking about – you just know you have to have it.

The problem is, you pay too much. Fortunately, an insurance company called Policygenius makes it easy to find out how much you are overpaying. It will find you cheaper policies and special discounts in just a few minutes.

In fact, it saves users an average of $ 690 per year – or $ 57.50 per month. It will even help you part with your old insurance company. (You can cancel your policy at any time and your company should issue you a refund.)

And just because you’re saving money doesn’t mean you’re saving on coverage. Policygenius makes sure you have what you need.

Just answer a few questions about your home to see how much money you are wasting.

3. Stop paying your credit card company

What does your credit card have to do with the cost of living? Well, no matter where you live, credit card payments can keep you from saving more money and putting it in a smart place.

And the truth is, your credit card company doesn’t care. It only gets rich by ripping you off at high interest rates – some up to 36%. But a website called AmOne wants to help.

If you owe your credit card company $ 50,000 or less, AmOne will provide you with a low-interest loan that you can use to pay off every single one of your balances.

The advantage? You have to pay an invoice every month. And since personal loans have lower interest rates (AmOne rates start at 3.49% APR), you become debt free the much faster. Plus: No credit card payment this month.

You don’t need perfect credit to get a loan – and comparing your options won’t affect your score. Plus, AmOne keeps your information confidential and secure, which is why after 20 years in business it probably still has an A + rating from the Better Business Bureau.

It takes less than a minute and only takes 10 questions to see which loans you qualify for – you don’t even have to enter your Social Security number. You need to give AmOne a real phone number to qualify, but don’t worry – they won’t spam you with phone calls.

4. Find out if you are paying too much

Wouldn’t it be nice if you received a notification while shopping online at Target and paid too much?

This is exactly what this free service does. And if you want a lower cost of living, you should take advantage of the cheapest prices on the internet.

Just add it to your browser for free, and before you check out, it will check other sites including Walmart, eBay, and others to see if your item is on sale for a cheaper price. You can also get coupon codes, set up price drop notifications, and even see the item’s price history.

For example, let’s say you buy a new TV and assume you’ve found the best price. Here you will get a pop-up letting you know whether this particular television is available for a cheaper price elsewhere. If coupon codes are available, these will also be automatically applied to your order.

Last year, this saved people $ 160 million.

You can get started with just a few clicks to see if you are overpaying online.

Capital One Shopping will compensate us if you receive the extension using the links provided.

Kari Faber is a writer for The Penny Hoarder. She has only lived in the most expensive states for the past 10 years and has definitely paid for it.

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Sage 50cloud vs. QuickBooks Online: Which One Is Best for Your Small Business?

Both Sage 50cloud and QuickBooks Online are powerful accounting solutions for most small businesses. Even so,...

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Good Financial Read: Advice For Retirement

Pension plan checklist by Matt Elliott, Pulse Financial Planning When and how you retire can be one of the biggest financial decisions you will make....

I have a puppy

Before you say it, I'll fight. I struggle with my children growing up, moving out and being far away. I mean,...

Students are urged to apply now for university funding if they want to get...

It can take six to eight weeks for the SLC, which manages tuition and maintenance loan...