Want to improve your finances? Join the crowd.

Things might feel overwhelming right now, but don’t fret! Just take it one step at a time and your money situation will get better fast. Here are some active measures you can take this month to improve your finances quickly!

1) Save Money Using This Free App

Trim is an awesome free app that automatically finds and cancels subscriptions you forgot about. It can also help negotiate your cable bill and find cash back you didn’t know was out there! If it saves you money, Trim takes a small percentage – otherwise, you don’t pay! With very little effort, you’ll save a bunch of cash and loads of headaches.

2) Get a Free Credit Score (Instantly)

Did you know that your credit score can impact your insurance rates, rental applications, and – in some cases – your chances of landing a job? It’s true.

I monitor my credit using a free service called CreditSesame. You’ll see your score almost instantly, plus it gets updated every month for free. You’ll also receive alerts if anything changes with your credit report, helping you to combat identity theft. I’ve used it for years and love it!

3) Start a Simple Side Hustle

If you want more money, starting a simple side job is the best way to do it. Driving for Uber is an easy way to make extra money quickly. You can work on your own schedule, quit when you want, and earn some serious cash in your spare time just for driving people around.

4) Refinance Your Credit Card Debt

If you have credit card debt, refinancing is something you need to consider. Refinancing can lower your monthly payments, help you get caught up, and save you big money in interest.

Lending Club is a super spot for refinancing credit card debt even if your credit score isn’t perfect! They aren’t a traditional bank, so it’s easier to get approved. Find your rate for free, get approved, and start paying off your credit cards faster.

5) Compare Car Insurance Rates

Shopping for cheaper car insurance is something you should do at least once a year. Check out Esurance to start comparing rates now. It takes just a few minutes, it’s free, and could save you hundreds of dollars… so why not try it? (Just be sure you’re comparing apples to apples!)

6) Make Extra Money From Your Couch

There’s not an easier way to earn extra money than by taking surveys. Heck, you can even do it while bingeing on your favorite Netflix series! Here are a few places to get started:

Survey Junkie – This popular survey site is a great way to make extra money from home. Just take surveys and get paid cash through Paypal. It’s that easy!

Vindale Research – Get paid cash to provide your input on companies like Disney, Nike, Amazon.com, and more.

Swagbucks – Swagbucks gives you a $5 bonus just for signing up. Then, you can earn money for taking surveys, surfing the net, and more!

7) Get a Free Retirement Checkup

You might think that your employer is managing your 401(k) account Chances are, they’re not. Although your retirement fund may be available through work, when it comes to picking and managing it, you’re usually on your own.

Blooom (yes, there are 3 “o’s”) is a nifty plugin that puts your 401(k) management on autopilot. Unlike other programs, Blooom manages your current retirement accounts for you – saving you the hassle of moving your money somewhere else. Just answer a few questions, connect the program, and let Blooom automatically find the right investment mix for your personal situation. They’ll even start you with a free retirement account analysis here.

8) Find a Cheap Life Insurance Policy

Life insurance is something that’s really easy to put off, but – as a former funeral director – I can’t emphasize how important it is. Term life insurance is usually super cheap so there’s no reason you shouldn’t carry it. For example, we recently added an extra $750,000 in coverage on my wife for less than $30 a month. Rates vary depending on your age and health, but that’s a ton of coverage at very little cost. Get a free life insurance quote here!

9) Take Advantage of Low Rates

If you haven’t taken advantage of the low mortgage interest rates, what are you waiting for? Rates have been low for years, and there is no guarantee that they’ll stay this low forever. Refinancing to a lower rate could save you tens of thousands over the life of your loan. Compare rates from up to 5 lenders here!

Getting ahead can feel overwhelming, but the hardest part is getting started. Take a deep breath and simplify the process with these painless money moves.