Living on a fixed income doesn’t leave much room for surprises. But there are proven ways to protect your money and even add extra cash to your budget — all simple, safe, and quick to start. From lowering monthly expenses to earning a little more without extra effort, small changes can make a big difference in financial peace of mind.

✅ Turn downtime into extra cash

✅ Cut auto insurance by $1,000+ a year

✅ Shield your home from costly repairs

…and more ways to keep your budget safe

1. Keep Your Fixed Income Safe from Costly Home Repairs

Unexpected repair costs can throw off even the most careful retirement budget. Choice Home Warranty makes it easier to protect your home without worrying about surprise bills. Since 2008, they’ve offered affordable plans that cover major systems and appliances when they fail from everyday use, including heating, air conditioning, plumbing, and more. ^[2]

Picture this: your AC breaks in the middle of July. Instead of facing a steep $1,300+ repair bill, you pay a small service fee and Choice sends a professional to fix it quickly. That means you can plan your monthly budget with confidence, knowing a sudden repair won’t knock it off track.

Forget the stress of searching for contractors or negotiating prices. With Choice, you get reliable contractors, easy claims, and 24/7 support - peace of mind that your home will stay comfortable and safe, without draining your savings.

Limited Time Special Deal:

Lock in $50 off your plan plus one month free when you enroll today.

See if you qualify to get $50 off + one month free

2. Borrow Up to $20,000 in 3 Simple Steps

Unexpected expenses can throw anyone off balance. Whether it’s a car repair, a medical bill, or covering essentials until payday, Premier Lending connects borrowers with trusted lenders and is a member of the Online Lenders Alliance (OLA), which promotes fair and responsible lending.

You can request anywhere from $100 up to $20,000. The process is quick and simple, with only 3 quick steps: fill out a short online form, get connected with potential lenders, and if approved, funds may be deposited as soon as the next business day.

Start now and see your options in minutes

3. Seniors: Save Up to $1,025 a Year on Car Insurance

On a fixed income, high auto insurance costs can drain your monthly budget. But you don’t have to keep overpaying.

Insurify is a free, trusted marketplace where you can compare real quotes from over 100 insurers in just minutes. Seniors who switched report saving as much as $1,025 a year — money that stays in your pocket instead of going to the insurance companies.

The process is straightforward: answer a few simple questions, see multiple offers instantly, and choose the plan that works best for you.

Featured in Forbes, USA Today, and Fox News as one of the nation’s leading insurance marketplaces.

Check Your Free Quote Now, It Only Takes 2 Minutes

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4. Tap Into Your Home’s Equity — Without Touching Your Mortgage Rate

As you plan for retirement or manage a fixed income, big expenses can feel intimidating. A home equity line of credit (HELOC) gives you flexibility without risk by letting you access the value in your home while keeping your current mortgage rate safe. It’s a practical way to cover major purchases, consolidate debt, or make improvements, all without refinancing.

Think of it as a credit line backed by your home: borrow only what you need, pay interest on just that amount, and keep your existing mortgage rate intact. Most HELOCs also come with variable rates, so if market rates go down, yours might too.

Bankrate makes it simple to explore your options. Just answer a few quick questions, instantly compare offers from trusted lenders, and choose the one that fits best: fast, free, and with zero obligation.

For many Americans 50+, a HELOC is a smart tool to handle larger expenses in retirement without unwelcome surprises.

HELOC rates for 50+ homeowners - compare for free in minutes.^[7]

5. Vet Bills Are Brutal. This Helps

Your pet’s not feeling well — and on top of the stress and worry, the vet bill hits you like a truck. Tests, meds, treatments… it adds up fast.

That’s where Lemonade’s pet insurance comes in. It helps cover unexpected costs from accidents, illnesses, and more—so you can focus on getting your furry friend back to normal, not on your bank account.

It’s fast to sign up, easy to use, and claims are paid out quickly.

Give yourself some peace of mind - Get a free pet insurance quote now

6. Drowning in Debt? There’s a Way Out

Drowning in debt? You’re not alone — and trying to climb out can feel overwhelming. But what if there was a way to break free?

National Debt Relief may be able to help. If you owe more than $10,000 in credit card bills, medical expenses, or personal loans, they could help you combine it all into one affordable monthly payment.

There are no upfront fees, and some people become debt-free in as little as 12–48 months.

Check your options for free — it takes 30 seconds

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