The housing market is crazy right now. Home prices are sky-high. But if you’re on a fixed income, have a tight budget, and need extra cash, then you can use this all to your advantage.

Take advantage of these 7 moves before 2022 to pull cash out of your home without a loan, pay zero interest on purchases, and save money on your mortgage ASAP. 

Ditch your mortgage lender

Yep, we said it. If you want to save a ton of money next month — $100, $200, $500 — you should ditch your current mortgage right now.

Our new tool will help you compare mortgage offers and rates and could help you simplify refinancing your mortgage. Which means you could slash your interest rate, lower your monthly mortgage payments and even build equity in your home faster… all so you can save money and free up breathing room in your budget.

You could even take advantage of a cash out refinance for massive savings. The money you get could help you crush your high-interest debt for good. Or you could take advantage of that potentially lucrative investment opportunity that you now have the cash for. The possibilities are endless, but you’d be crazy not to see how much you can get just by refinancing.

See how low your rate and payment could be

Cancel your car insurance

We’ve got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there’s something much better.

This new tool from FinanceBuzz can tell you if you’re overpaying for your car insurance in just a few clicks. On average, we find around $500 a year in savings for drivers. And once you try it out, you’ll never have to look for affordable insurance again because we find you the lowest rates that other companies can’t match.

Oh, and it’s also free. And come on — you can’t tell us you don’t want to save up to $500. To find out if you’re losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you’re overpaying. It takes less than 2 minutes.

See if you’re overpaying

Pay 0 interest until 2023

Imagine getting more than a full year with 0% interest on your purchases. You could completely change your financial picture with this industry-leading low-interest card – the Capital One Quicksilver Cash Rewards Credit Card

If you want to avoid racking up huge interest charges, this is one of the best cards available. Pay for your next big purchase with this card and enjoy a generous 0% intro APR for 15 months (then 14.99% to 24.99% (variable)). During this intro period, your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

Plus, new cardholders can get a one-time cash bonusearn a $200 cash back bonus after spending $500 in the first 3 months. Use your card just for essentials at the gas station or grocery stores, and you can easily meet the spending requirement while also earning 1.5% cash back rewards on every purchase, every day.

The best part? There’s no annual fee.

Learn more about the benefits of this card

Sell your home for cash in as little as 7 days

Selling your home can be a huge headache. You have to prep and stage everything, set up open houses and showings, and then painstakingly wait — sometimes for weeks or months — for offers to come in. The process can take so long that it can feel like you won’t sell at all.

Simple Sale from HomeLight could fix that. They help you sell your home as-is for cash, and you could get your money in as little as 7 days — all without the hassle that normally comes with selling your home.

To get started, just answer a few simple questions about your home, and HomeLight will connect you with qualified cash buyers. HomeLight even handles all the buyer-side costs and paperwork, and you get to choose a move-out date that works for you.

Get an offer for your home

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FinanceBuzz Editors The editors at FinanceBuzz are a team of personal finance professionals dedicated to providing readers with accurate, helpful advice.

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