Ever wonder how rich people get ahead? Do you want to be one of them?

Never fear! Club Thrifty is here with some simple money hacks you can use to start building wealth now. Enjoy!

#1) Pick Low-Hanging Fruit

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Making money on the side is key to getting ahead. The more passive your efforts, the better. Take advantage of easy money opportunities, like answering paid surveys, whenever possible. Obviously, this isn’t going to make you rich, but you can earn extra money with almost no effort. Here are a few places to get started:

  • Panda Research – This site pays you for answering surveys and allows you to test some offers. You even get a $3 bonus for getting started!
  • Swagbucks – Earn points for taking polls, answering surveys, surfing the web, and more. Redeem your points for gift cards or cold hard cash!
  • InboxDollars – InboxDollars is a great site that pays cash when you take surveys or try new products. Use our link and get a $5 bonus to sign up!

#2) Find and Weed Out Your Budget Busters

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

These days, we’ve all got a gajillion bills set on autopilot. From gymnastics class to our Netflix subscriptions, almost every bill we pay is automatically charged to a card or deducted from our account. With so many bills, forgetting to cancel subscriptions you no longer use is common. Trim helps you find forgotten subscriptions and eliminate them from your life. This free app even negotiates with some cable companies for you. It’s a simple tool that helps you save money with almost no effort.

#3) Create Multiple Streams of Income

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

This may be the biggest secret to building wealth: Instead of relying on just one paycheck, getting ahead requires creating multiple streams of income. Having additional income streams obviously helps you make more money, but it also protects your income in case one stream dries up. This simple trick can help you succeed in good times and bad! Use these ideas to get started:

  • Drive for Uber – Make money in your spare time driving for Uber. In just a few hours a week, you could earn several hundred a month with your own car.
  • Start a Blog  – We started this blog about 5 years ago. Now, we make well over six figures and blogging provides our family’s entire income. It takes some work, but you can easily build a blog that makes several hundred dollars a month on the side. Follow the link above for our 6-step guide to getting started!
  • Automate Your Investing – Think you don’t have enough money to invest? Think again. Investing is easier (and happens more often) when you make it automatic. Try a site like Wealthfront where you can invest your first $10,000 for free. Answer a simple questionaire, set up an automatic withdrawl, and Wealthfront will build a personalized investment plan for you… and its all done automatically so you barely have to think about it!

#4) Protect Your Credit

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Credit scores are used for more than loan applications and credit cards. Your credit score could affect your insurance rates, your living situation, and even your employment opportunities. Of course, protecting your credit is a lot easier than fixing it. I use CreditSesame to get free my free monthly credit score. They also send me alerts when new accounts are opened or my score changes, helping protect me from identity theft. Get your free credit score here.

#5) Automate Your Budget

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Let’s face it: Budgeting is a pain in the a$$. If you’re like most people, you’ve tried budgeting a million times and failed. Still, you instinctively realize that using a budget and tracking your spending is an important part of getting ahead. Cut yourself a break and make it easier by automating it. Tiller is a great app that automatically tracks your budget and spending. Just set it up and let Tiller do the work for you. Use this link to try Tiller for free. After 30 days, it’s costs just $5 a month – well worth the cost if it helps you stay on a budget!

#6) Refinance When It Makes Sense

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Your mortgage is likely the largest loan you’ll ever have, so it makes sense to save whenever you can. Refinancing to a lower rate could save you tens of thousands of dollars over the life of your loan. That’s real money that can be put back into your pocket! Mortgage rates have stayed low for several years, and there’s no guarantee they’ll stay this way forever. Compare rates from up to 5 lenders now!

#7) Avoid High Fees

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

You may already be saving for retirement, but do you know how much you’re paying in fees? A 3% management fee could mean you’re losing out on over half the growth of your retirement funds! That’s HUGE and could be costing you hundreds of thousands of dollars in lost savings! Seriously, if that doesn’t get you motivated, I don’t know what will. Avoid big investment fees and find ways to reduce them wherever they can.

Free Money Tools: Keep an eye on your spending, retirement goals, and your net worth with Personal Capital’s FREE money tools. I’ve used them for years and I love them! Quite frankly, if you’re looking for free money tools, these are the best you’ll find. Read our complete review here, or get started using this link.

#8) Be Proactive With Student Loans

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Dealing with debt isn’t a “set it and forget it” game, especially when it comes to student loans. You have to be proactive to get ahead. This free student loan refinancing tool helps you compare rates from up to 5 lenders at once. In about 90 seconds, you’ll find the best rates, get pre-qualified, and start saving. With this tool, average users save over $13,984* over the life of their loan!!! (*Current as of June 2017) You can also reduce your monthly payment, which is real money back in your pocket. I know you like that!

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 10 simple money hacks rich people use to build and keep wealth!

#9) Protect Your Assets

When you’ve worked hard to build wealth, the last thing you want is to lose it all. That’s why it’s important to protect your assets with the right insurance policies. Term life insurance is extremely cheap and will protect your family during your most important earning years. We recently shopped around and added an additional $750K in coverage for under $30 a month! While rates obviously vary by age and health, that’s insanely cheap for a ton of financial security. Get your free life insurance quote here. (It only takes a few minutes!)

#10) Live Below Your Means

This may shock you, but the average rich person isn’t all that flashy. Instead of driving fancy cars and sporting baller diamonds, most rich people look like the person next door. They understand the value of money, and they always make sure to save on things that don’t matter so they can spend on the things that do. Above all, they realize that by living below their means, they’ll always have plenty of money when they need it.

#11) Don’t Use Your House as a Bank

Ever wonder how rich people get ahead? Feel like you're missing something? Here are 11 simple money hacks rich people use to build and keep wealth!

Look, I know it’s tempting to pull the equity out of your house. There are so many things you could use it for, like a new kitchen or windows, right? Here’s a tip: Don’t do it. You’ve worked your tail off to build up your equity. You’ve probably paid interest on that money already. Why, why, WHY would you want to do it again?!? Your house is not a bank. Don’t use it like one. Save up the money and pay cash instead.

What do you think? What other money hacks have I missed? Make your voice heard in the comments below!