Christmas may be long gone.

The ghosts of your lost money are moaning and groaning.

Theyre pointing accusingly at your empty wallet.

An older man looks off into the distance as a double exposure of him is taken.

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Theyre gesturing menacingly at you with wads of wrinkled dollar bills.

Mmmwwwuuuaaahhhh, they wail.You should have more moneeeeeyyyyy.

What you need are some ghostbustin money tactics.

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Weve got seven ways to banish all your money ghosts, one by one.

All it takes is a bit of smart financial strategy.

Probably not as good as youd like.

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It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…

1.

And the truth is, your credit card company doesnt really care.

Its just getting rich by ripping you off with high interest rates.

But a website calledAmOnewants to help.

Youll be left with one bill to pay each month.

Plus: No credit card payment this month.

Its important to stay organized and keep tabs on it.

Youll even be able to spot any errors holding you back (one in five reports have one).

Want to check for yourself?

Its free and only takes about 90 seconds tosign up.

Well, how about right now?

Its quick and easy when you use awebsite called EverQuoteto see all your options at once.

Take a couple of minutes toanswer some questionsabout yourself and your driving record.

With this information, EverQuote will be able to give you the top recommendations for car insurance.

In just a few minutes, you could save up to $610 a year.

Get Paid Every Time You Buy Toilet Paper

Grocery shopping was never exactly pleasant.

But these days, its a downright struggle.

Fighting crowds; keeping six feet of space just buying toilet paper is a feat.

Shouldnt you have something to show for it?

For your efforts, youll earn gift cards to places like Amazon or Walmart.

You candownload the free Fetch Rewards app hereto start getting free gift cards.

Best to start preparing now.

If you feel like you dont have enough money to start investing, youre not alone.

if you know where to look.

Yeah, youve probably heard of Robinhood.

Plus, its super easy to use.

We know it sounds too good to be true.

By using Lendtable, youll be able to unlock that free cash.

If you put $0 in your retirement account this year, you get $0 from your boss.

(This comes from the extra money youve earned, so theres no sacrifice on your part.)

It takes three minutes to answer a few questions about your eligibility andsign up for an account.

Chances are your checking account balance wont last forever.

We suggest a company likeBestow.

Maybe youve considered this before, but thought it was only for rich or older people.

But were hearing that people are getting it for as little as $10 a month.

You dont even need to leave your house toget a free quotefrom Bestow it takes minutes.

So theres your past, present and future all squared away.

Banish those pesky financial ghosts for good.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder.

Hes haunted by financial ghosts too.

Bestow Life Insurance products may not be available in all states.

Policy limitations or restrictions may apply.

Not available in New York.

Our program asks lifestyle and health questions to determine eligibility for avoid requiring a medical exam.

Rates will vary based on underwriting review.

No Interest Til Almost 2027?

Balance Transfer = Credit Card Cheat Code