Remember overdrafting while you waited for your next paycheck to come — that was the worst, am I right?

There’s not enough money in your bank account — so your bank gets its revenge by helping itself to $35 of all that money you don’t have.

Ho ho ho, I just love overdraft fees, you say to yourself. What a fun game this is! Thanks a lot, BANK.

But you’ve moved past that. You’ve finally reached a point in your life where you have a real job and a grown-up income. It’s a sweet feeling and a serious win. You’ve achieved a level of financial stability, and you’re not getting hit with these ridiculous fees.

What to Do Now That You Don’t Have to Worry About Money So Much

Now that you’re not worried about running your bank account down every week, it’s time to think about what you want to achieve next with your money. Do you need to save more? Buy a home? Invest?

What’s the next step you should take? This is all part of adulting, you know. What are some specific things you can do you to take your finances to the next level?

We’ve got some ideas for you:

1. Invest in Real Estate — Even If You’re Not Rich

Remember overdrafting while you waited for your next paycheck to come — that was the worst, am I right?

Want to try real-estate investing without playing landlord? We found a company that helps you do just that.

Oh, and you don’t have to have hundreds of thousands of dollars, either. You can get started with a minimum investment of just $500. A company called Fundrise does all the heavy lifting for you.

Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.

This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.

You can earn money through quarterly dividend payments and potential appreciation in the value of your shares, just like a stock. Cash flow typically comes from interest payments and property income (e.g. rent).

2. Ask This Website to Pay Your Credit Card Bill This Month

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No, like… the whole bill. All of it. All that debt racked up from the 300 destination weddings your friends made you attend (thanks!) could be paid by the end of this month.

Your credit card company is ripping you off with insane rates, and it’s getting rich off of you. But there are other, nicer companies that’ll help you out. A website called Credible knows the best ones and could pair you up as soon as tomorrow. 

Here’s how it works: Credible will match you with a loan that’ll cover your credit card tab. Use that loan to pay off your debt, then make monthly payments to repay the loan. It could lower your monthly payments and help you pay off that debt a lot faster. Plus, no credit card payment this month. 

Credible won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

Now you can finally stop holding a grudge against that friend who thought a Mexico wedding was a good idea.

3. Stop Giving Your Car Insurance Company Extra Money

Have you been paying your car insurance bill to the same old insurance company for years? You’re probably paying too much.

Over the years, your life has probably changed — and so has the value of your car. Plus, insurance companies you might have looked at years ago are constantly changing their pricing. One easy way to save on car insurance is by shopping and comparing rates twice a year. But that sounds like a pain.

Fortunately, a service called Gabi will do it for you, and you don’t even have to fill out any forms. Simply link your insurance account and provide your driver’s license number, and it’ll go to work.

Gabi says it finds an average savings of $865 per year for its customers.

It offers a true apples-to-apples comparison at the same coverage levels and deductibles you currently have, and instantly compares rates from up to 20 providers to find you the best deal. Once you sign up, you never have to shop again. Gabi’s software has your policy on file and keeps on monitoring for savings as your life changes.

4. Secure $1 Million in Life Insurance

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“The biggest mistake I see millennials making is being duped by insurance salesmen,” says Andy Yadro, a financial planner with Googins Advisors in Madison, Wisconsin. “Everyone needs insurance, but a very small subset of young people need the insurance that is sold by most ‘financial advisors.’”

You might still consider a basic life insurance policy, which can be useful if you have loved ones who rely on your income — a significant other, a child or even a relative you help out financially.

A company like Policygenius offers you an easy way to compare and buy life insurance. Unlike traditional providers, this online-only platform provides an easy way to apply, and it offers instant quotes from top carriers online to help you make a quicker decision.

To get your quotes, you’ll just enter some info about yourself and your health online. Once you choose a life insurance company, you can apply right online, and a Policygenius rep will give you a quick call to ask a few follow-up questions.

You can secure $1M in life insurance for as little as $25/month.

5. Opt in for Autopay to Save on Bills

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Because the fear of overdrafting isn’t hanging over your head anymore, you have no reason to fear autopay now. ANOTHER ACCOMPLISHMENT.

Cell service providers, utilities and student loan companies all love it when you opt into a monthly autopay plan. That way, they can count on your payment rolling in like clockwork.

They love it so much, they might even give you a discount. For example, many student loan providers will give you a quarter-percent discount on your interest rate for using an autopay function, and that savings will really add up over time.

Lots of cell phone companies will kick in a monthly discount of around $5 if you use autopay.

This also helps with credit cards. If you make your payments automatically, they’re never late — so your credit cards won’t jack up your interest rates.

6. Cut Your Your Homeowner’s Insurance Bill by up to 25%

It’s OK to feel protective over your home; you worked hard to purchase it.

That’s why you need homeowners insurance — to ease your mind, at least a little. But navigating policies can be difficult, and plans can be pricy.

The good news is your options are shifting, and it’s easier to find the best coverage — with the best price tag — for you.

We recommend the online insurance company Lemonade, through which renters insurance starts at $5 a month and homeowners insurance starts at $25 a month.

Beyond affordable rates, Lemonade adds a layer of transparency you don’t often see in the insurance world. Instead of profiting extra when it doesn’t have to pay out claims, the company keeps a set 20% of your premium for itself, and 80% goes into a pool for paying claims. Money left over after paying claims each year goes to a cause of your choice.

That also means Lemonade isn’t going to be super stingy about granting customers the claims they deserve — ’cause the money isn’t going into its pockets.

Lemonade is available in Arkansas, Arizona, California, Colorado, Connecticut Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington, D.C. and Wisconsin.



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