Whenever a new calendar year rolls around, one of the most common new year’s resolutions you hear is “save more money.”

Perhaps you’ve made this resolution yourself! Yet every December, like clockwork, you look at your checking and savings accounts, only to see that very little has changed.

You have great intentions to save more money, but that’s not usually the problem. Maybe you just don’t know where to start.

There are plenty of money-saving moves you can make, and many of them you can complete in minutes. From getting affordable auto insurance to refinancing your student loans, here are some of the best ways to save money in 2020.

1. Ask This Website to Pay Off Your Credit Card Debt

Is your credit card company profiting while you’re paying hundreds or even thousands of dollars in interest?

Through Fiona, you may be able to consolidate your debt by getting a personal loan with a lower interest rate than your credit card’s rate, and use that money to pay off all of your credit card debt.

You know what that means? No credit card bill this month. And going forward, you’ll only need to make a monthly payment on your personal loan, and this could save you thousands in interest fees.

And better yet — Fiona makes the entire process of getting a personal loan quick and easy. In 60 seconds, you can be matched with loans ranging from $1,000 to $100,000. You’ll get rates from up to 10 lenders in one shot, all of them competing for your business.

Once you’re approved, you could receive funds as soon as the next day!

2. Get Life Insurance (Starting at Just $5 a Month)

If you didn’t think you could save on life insurance and get an affordable premium, it’s time to think again.

Because life insurance payouts tend to be fairly significant, we assume that life insurance has to be a costly expense. And when you purchase life insurance from some companies, it certainly can be.

With Bestow, however, you’re able to purchase life insurance plans from $50,000 – $1,000,000, with premiums from $5 a month.

Bestow makes getting life insurance hassle-free and simple — so simple that you can complete the entire process from the comfort of your own couch! To start, get your free quote in seconds without providing medical examinations or filling out paperwork.

And if you need assistance, one of the company’s non-commissioned agents will ensure a stress-free experience while you protect the financial future of your family.

3. Reduce Your Student Loan Payments (& Get a $300 Bonus)

Millions of Americans are drowning in student loan debt. But did you know that there’s a way to save on your student loan bill and get a $300 bonus in the process?

Whether you’re a recent graduate who’s staring down the barrel of a 15-year repayment schedule, or whether you’re long-removed from university but fighting to make forward progress with your student loans, you should look into refinancing your student loan interest rate.

The process of refinancing is quite simple. In short, you replace your current student loan debt — whether it’s just one loan or multiple loans — with a single lower interest loan, and/or better terms. Simple enough, right?

With online loan marketplace Credible, you may be able to break the vicious cycle that is student loan debt.

In two minutes, you can check your refinancing rates and get options from up to 10 lenders, competing for your business. Don’t worry — this simple check will not impact your credit score!

With Credible’s “best rate guarantee,” you’ll get $200 if you find a better rate elsewhere (terms apply.)

Wall Street Insanity readers that refinance at least $50,000 in student loans will also get a $300 bonus through this link.

Credible has helped millions of people refinance their student loans. With a quick, safe, and paperless process, Credible may be able to help you refinance your student loans too!

4. Monitor and Improve Your Credit to get a Better Interest Rate for Greater Savings

Is your credit score standing in the way of you getting credit cards, personal loans, and mortgages with reasonable interest rates?

The reality is that until you lift a poor or average credit rating to better territory, it can be difficult to borrow money on terms that you like. Fortunately, you can monitor your credit score and take steps toward improving it with Credit Sesame.

Credit Sesame’s personal credit management system (PCM) allows you to view your latest credit score, and offers you a personalized breakdown of the factors that are driving your current score.

Additionally, you’ll receive identity theft protection with $50,000 in theft insurance. And the best part is — all of these services are free!

When you sign up with Credit Sesame, you’ll join more than 8 million members who are taking steps to raise their credit rating.

5. Refinance Your Mortgage at a Lower Interest Rate

If you’re a homeowner, your mortgage is an area with some of the greatest potential for savings. Because a home is such a huge investment, even a one or two percent change in interest rate can have a massive impact on the amount you pay for your house.

By refinancing your mortgage with loanDepot, you may be able to save thousands in interest on your home!

Sound like a difficult undertaking? Think again. Through loanDepot’s mello smartloan, the entire process is made quick, easy, and paperless. Simply fill out a short questionnaire, choose your refinancing option, and you may be able to have the entire process closed out in as few as eight days!

With over $165 billion funded to date, loanDepot is a trusted, major player in mortgage refinancing. Join those who are already saving thousands on their homes!

6. Use Extra Space in Your Home to Reduce Your Mortgage or Rent Bill

Want a hand paying your mortgage or rent each month? Consider listing your unused space on Airbnb.

Whether you have an unoccupied room in your home or want to list the entire home while you’re away, posting your extra space on Airbnb can be a quick and easy way to earn additional income.

With Airbnb, you control your rates, when you accept guests, and the length of someone’s stay. Airbnb will provide you with around-the-clock support and put necessary protections in place, taking only a 3% fee.

The process of becoming an Airbnb host couldn’t be easier. List your space today, begin accepting visitors, and start earning a little money on the side!

7. Pay the Auto Insurance Bill That You Deserve

Are you paying too much for car insurance? Is your stubborn rate refusing to drop? Is it going up, even?

Root is an auto insurance provider that helps many drivers save money, generously rewarding them for their good driving habits. Even if you’ve received a few tickets or been in an accident or two, you may be able to save a ton of money with Root!

Here’s how it works. To get your free insurance quote, download the Root mobile app. After a simple signup, the app will begin collecting data as you drive over the next 2-3 weeks. The better you drive during this period, the more you might potentially save! Not long after, you’ll receive your personalized quote.

Tired of insurance companies relying solely on your personal data and driving history that doesn’t tell the whole story? Root focuses on current driving habits to offer better rates to its customers. The company claims to have helped its customers save hundreds of millions of dollars on auto insurance, and up to 52% annually!

Paperless, hassle-free, and easy to use, Root might be exactly what you need to start cutting your car insurance premiums.

Keep a Big Chunk of Change This Year!

So, you want to hang on to more of your hard-earned money in 2020?

Follow through with each of these best ways to save money and you may be looking at significant savings by year’s end.

Now, will these tips turn you into a millionaire? Probably not. But many of these adjustments are so simple and require just minutes of your time. Saving money doesn’t have to be hard!