19 Things to Cut When Money Gets Tight (Most People Ignore #11)

16 Things to Cut When Money Gets Tight (Most People Ignore #11) | FinanceBuzz
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16 Things to Cut When Money Gets Tight (Most People Ignore #11)
Last updated
May 13, 2026
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By
Team FBZ
Your money is getting tight. Prices are going up. And figuring out what to cut back on can feel overwhelming.
Here's what you can do:
Read our list of money-saving strategies below, and start with one or two today. Even doing just one can help you breathe a little easier:
Credit Card Debt: Pay no interest into 2027 with this no annual fee card
If you're struggling to pay down high interest debt (or you're planning a major purchase this year), this might be the exact thing you need. There's a card that allows you to completely pause credit card interest into 2027 ... and the best part is that it could be easier than you think.
Discover it ® Cash Back (Rates and fees) is an extremely powerful card that gives you 0% intro APR for an astounding 15 months on purchases and balance transfers. (Then APR is 17.49% - 26.49% Variable.) That's right, you could finance large purchases you've been sitting on without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges ... all with no annual fee .
But it doesn't end there. The Discover it ® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Plus, Discover will match all the cash back you’ve earned at the end of your first year. This practically doubles its value at the end of your first year.
Apply now for the Discover it ® Cash Back card
Expensive Loans: Pay off high interest debt affordably with your home equity instead
Home equity loans are surging in popularity for homeowners who want to pay down high-interest debt quickly or make home improvements.
This is because homeowners in 2026 hold a surprising amount of equity — approximately $11 trillion in total tappable equity in the US. No need for expensive loans or credit cards. The best part is you can keep your current mortgage rate by getting a home equity loan.
No hassle. Calculate your equity amount and see your options today!
Get started by following three easy steps:
Click below to check out Quicken Loans’ Home Equity Calculator. 1 <p>LMB Mortgage Services, Inc. d/b/a Quicken Loans; NMLS #167283; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Not a lender. Quicken Loans is a financial services marketplace that connects consumers with lending partners.</p>
<p>Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved or otherwise endorsed by these entities.</p>
<p>We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. Ultimately, you are responsible for your financial decisions. FinanceBuzz does not provide credit cards or any other financial products. FinanceBuzz.com does not make any credit decisions.</p>
Then, answer a few questions about your home.
Once you match, lock in a personalized rate and payment with a lender.
Compare lender options for $0
$325 for new checking customers
If you aren't banking with Wells Fargo, you're missing out on a cash bonus by following a few steps.
Open a new Wells Fargo Everyday Checking account by 07/14/2026 and make a total of $1,000 or more in qualifying direct deposits to your new checking account within 90 calendar days of account opening to earn the $325 bonus . Earned bonuses will be paid once you have met all offer requirements. 2 <p><b>How to qualify for this offer:</b></p>
<p><b>To be eligible</b>: Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.</p>
<p><b>To receive the $325 bonus</b>: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by July 14, 2026 <b>and </b>receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the “qualification period”). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a <b>direct deposit</b> made through the Automated Clearing House (ACH) network, (2) an <b>instant payment</b> processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an <b>electronic credit</b> from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).</p>
<p>Once you have met all requirements, <b>we will deposit the bonus into your new account</b> within 30 calendar days. Your new account must stay open through the time we attempt to deposit the bonus. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.</p>
<p><b>Other Terms</b>: This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.</p>
<p>Talk with a banker or see the “<a href="https://www.wellsfargo.com/online-banking/consumer-account-fees/">Consumer Account Fee and Information Schedule” and “Deposit Account Agreement</a>” available at wellsfargo.com/depositdisclosures for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required for this bonus are separate from the actions available to avoid the monthly service fee.</p>
<p class="">Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.</p> Visit the offer webpage for ways to avoid the $15 monthly service fee. 3 <p>The Wells Fargo Everyday Checking account monthly service fee is $15. Minimum opening deposit is $25.</p><br>
<p>The monthly service fee can be avoided with one of the following each fee period:</p><br>
<p>- $1,500 minimum daily balance.</p><br>
<p>- $5,000 or more in qualifying deposit balances, investment balances, or both. On the last business day of each fee period balances in eligible Wells Fargo accounts will be automatically totaled. Eligible accounts include consumer deposit account balances (checking, savings, CDs, FDIC-insured IRAs), certain investment account balances, and a…

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