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If you’re feeling financially disorganized, making a few key moves can help you restore order and take charge of your money. You’ll learn to live within a budget, pay down debt, and start saving so you can work toward a successful financial future.

Here’s what you need to do to clean up your finances.

Ways to Clean Up Your Finances

1. Look at the Big Picture

The first step is to look at your entire financial situation. Review your bank statements, credit card statements, bills, and paychecks. It might feel a little overwhelming at first, but seeing your income and debt all at once, and comparing the two, can help you understand exactly what you own and what you owe.

Make the process easier with a money management tool that can help you track your accounts in one place.

2. Set a Practical Budget

Setting a budget can be a great way to organize your spending and saving. One way to do it is by using the 50/30/20 method. This process can help simplify your money by dividing it into three categories.

To start, 50% of your income goes to necessities, such as housing, utilities, groceries, and other essential bills. Next, 30% is for discretionary spending, like entertainment or eating out. The remaining 20% is for your financial goals, such as savings and retirement.

As a final step in the budgeting process, take a look at your savings account. You may want to consider opening a high-yield high-yield savings account where your money could earn more for you.

3. Make Payments On-Time

One surefire way to make sure your bills are paid by the due date is to automate your finances by setting up autopay. Since payment history affects approximately 35% of your FICO® score, consistent on-time payments could potentially benefit your score.

Plus, many financial institutions may offer a discount for setting up automatic payments. You can also go paperless and get notifications delivered straight to your email inbox.

4. Cancel Unused Subscriptions

As you’re evaluating your spending habits and budget, be sure to look for subscription services you can cancel.

Whether it’s an unused Netflix subscription or an underused gym membership, canceling what you don’t use could save you a substantial sum over the course of a year.

5. Make a Plan for Your Debt

If you’re working on paying off multiple loans, you could explore the idea of consolidating your debt with a personal loan. If you have debt built up across multiple credit cards, for example, the different interest rates and due dates can lead to confusion and missed payments.

One possibility to help simplify things is a debt consolidation loan. You could choose a new repayment term, possibly with a lower interest rate, if you qualify.

If you have private student loans to repay, you might also want to consider refinancing your student loans. You may be able to get a lower interest rate that could help you save money. Evaluate the options to see what might work for you and what you can qualify for.

6. Review Your Current Investments

If you’ve had multiple jobs, you may want to consolidate your investment accounts, too. Having several 401(k) accounts from past jobs could be tough to keep track of and might not help you make the most of your money in the long run.

Rolling over your old 401(k) accounts and combining them into one IRA account, for example, could be one option to consider.

You can also check with your current employer to see if you can roll over your previous accounts to your new plan. Be sure to compare the different investment choices of each account to make an informed decision.

7. Commit to Regular Maintenance

Streamlining your finances in the present is just the first step. From now on, commit to doing a regular financial checkup. Review your finances monthly, and adjust your budget and financial strategies as needed.

8. Stay on Top of Your Credit Report

While you’re at it, check your credit report and review it to make sure it’s correct. If you spot any errors, notify the credit bureaus. You can get a free copy of your report from AnnualCreditReport.com.

In addition, you may be able to check your credit score for free through your credit card or bank. You can see how your score changes over time and what may be impacting it the most. Then you’ll know what you need to work on to strengthen your score.

9. Review Insurance Policies

If you have life insurance policies or other benefits with beneficiaries, review those designations at least once a year. With big life changes, you’ll want to make sure your beneficiaries are up to date.

If you get married or remarried and change your name (or your spouse’s name changes), you’ll need to add that information to the policies as well.

10. Update Your Tax Withholding

Take a look at your most recent tax return. Did you end up with a big refund? Or maybe you owed way more than you planned for. Your income tax withholding may be too much or not enough.

Discuss your withholding information with a tax professional to make sure you’re having the correct amount taken out of your paychecks for taxes.

The goal is to free up more of your money month to month as you earn it so you can put it toward savings or paying off debt.

11. Maximize Account Benefits

Finally, as part of your financial cleanup, you should review the benefits and features of your bank accounts and see if a new account might benefit you more. Choosing a bank account that’s right for you may depend on a few different factors, such as its minimum balance requirements, bank fees, digital options, and ease of making withdrawals or deposits.

You might consider a high-yield bank account to help your money grow over time, and it’s also important to check whether a bank is insured by the Federal Deposit Insurance Corporation (FDIC) or, in the case of a credit union, the National Credit Union Administration (NCUA).

The Takeaway

Getting your finances organized may seem daunting at first, but taking account of your current financial situation and setting clear goals can reduce stress and help you work toward a secure financial future. Building a budget that takes into account essential as well as discretionary categories can be essential to success, as can regularly reviewing and adjusting your financial plan in order to keep your destination in sight.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

What’s the first step to getting my finances in order?

The first step is to get a clear picture of your financial situation. Review your bank statements, credit card bills, loan documents, and paychecks. This helps you understand exactly what money is coming in and going out, as well as what you own and what you owe, forming a foundation for your financial plan and budget.

What advice is there for managing debt?

When tackling debt, start by making a clear plan. If you have multiple loans or credit card debts, prioritize the high-interest debts and consider consolidating them with a personal loan, which may help secure a lower interest rate and simplify payments. For private student loans, explore refinancing options. Evaluate the possibilities to find what best suits your financial situation.

What ongoing practices can help me manage my finances?

To keep your financial plans on track, commit to regular reviews. Check your finances at least monthly and adjust your budget as needed. Monitor your credit report for errors and review insurance policies annually, especially after life changes. Also, be sure to review your tax returns and adjust withholdings if necessary.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

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SOBNK-Q225-009

If you’re like many people today, one of your main modes of shopping is online. It’s quick, it’s convenient, and it’s sometimes even one-click easy. But, like purchasing in any other manner, you’ll want to make sure you are getting the best deals online. Why pay more than you have to?

Read on to learn some clever hacks that will help you get the best possible deals when shopping online.

Ways to Find Deals Online

1. Finding the Right Coupon Codes

Coupon codes are lurking all over the internet to help people find the best deals at their favorite retailers. For example, many online retailers will give customers a little discount for a newsletter signup or for their first purchase. In certain cases, a simple Google search can yield great results for coupon hunters.

An easier way to dig up coupons to online retailers may be to search on coupon websites like RetailMeNot or Coupons.com.

Digital shoppers also can try downloading browser extensions like Honey, which automatically searches the internet for the best discount codes and applies them at checkout.

Recommended: 7 Budgeting Methods to Try

2. Earning Cash Back for Purchases

Similar to coupon codes, some services offer rebates for purchases made. For example, in addition to providing coupon codes, RetailMeNot lists cash-back offers for various retailers daily on its website. Rakuten is a popular cash-back (and coupon) service, as well. Consumers that have its browser extension enabled can activate cash back and coupon offers automatically when shopping at participating retailer sites, or they can choose retailers with rebate offers through the Rakuten website or app.

If you’re not interested in doing any legwork to get a good deal while shopping online, there is another option: Use a credit card that gives you cash back. You may even be able to bundle and increase the credit card reward if you shop online at specific retailers at certain periods of time.

3. Using Free Shipping or In-Store Pickup

Online shopping tips don’t stop at coupons. Another way to save is to find free shipping options. If you don’t need an item ASAP, free shipping is often an option at checkout.

Many online retailers also offer free shipping with a minimum order amount. To find free shipping deals and codes, check out websites like FreeShipping.com, though there may be a fee involved, so you’ll need to ensure benefits outstrip any costs.

Another option may be to order an item online and then pick it up at the store for free. If it’s close enough to grab in person, it may be worth it to avoid shipping costs altogether.

4. Giving a Price Watcher a Go

Consumers who aren’t in a rush to purchase an item may be able to take advantage of price tracking tools. Price tracking tools help shoppers stay informed about price drops and sales so they can click “buy” at just the right time. These might even be able to help you be more patient if you are an impulsive shopper. Knowing that a better price may be in the offing could help you slow down.

Apps like Honey have tools like Droplist that allow consumers to save items for later and be informed when an item on the list has a price drop.

Other apps like CamelCamelCamel track prices on Amazon, and PriceBlink will find deals at multiple retailers across the Web, too. It works by showing how much an item costs at several online stores so shoppers can pick the best one.

5. Trying Online Price Matching

Many larger retailers participate in price matching programs, which means if you find a price at one retailer you may be able to get it at another. Target, for example, will match prices for qualifying, identical items found at Amazon or Walmart.

This used to mean bringing in a printed coupon or proof that the product was on sale for a lower price at a different retailer, but now, it can often be done online or by phone. All a shopper needs to do is reach out to customer service, which may be able to help out.

6. Checking Reviews

To get the best deal when shopping online, you’ll want to be sure you are getting the best product. And one way to do that is to check online reviews. Customers all over the internet leave reviews on products they’ve purchased, alerting others to potential issues or potential great buys.

On websites like Amazon, search for “verified purchase” to know that the review is legit. While online reviews should be taken with a grain of salt, they are one more tool to add to your decision-making arsenal for online shopping.

Before purchasing a product, is it really something you want or need, or will bring joy? If so, check reviews to make sure it’s the perfect fit before clicking “buy.”

💡 Quick Tip: If you’re creating a budget, try the 50/30/20 budget rule. Allocate 50% of your after-tax income to the “needs” of life, like living expenses and debt. Spend 30% on wants, and then save the remaining 20% towards saving for your long-term goals.

7. Waiting for Bigger Sales

Throughout the year, larger retailers will likely host online shopping sales. These sales are known to occur around the holidays, specifically on Black Friday, the day after Thanksgiving, and Cyber Monday, the following Monday, a day that’s packed with online deals.

Other major sales usually occur around holidays like Presidents’ Day, Memorial Day, and Labor Day, as well as midsummer. During this time, you may be able to score major discounts, so if you can wait for a purchase, try to hold off until then. Knowing that deep discounts are coming could help you avoid shopping out of boredom. It gives you an incentive to wait.

One more “holiday” to keep an eye out for is Amazon Prime Day. During the sale, retailers across the website offer steep discounts on products.

However, to get in on the deal, you must be an Amazon Prime member, which comes with a subscription. But Amazon Prime members get free shipping on most products, which can add up in the long run.

💡 Quick Tip: When you feel the urge to buy something that isn’t in your budget, try the 30-day rule. Make a note of the item in your calendar for 30 days into the future. When the date rolls around, there’s a good chance the “gotta have it” feeling will have subsided.

8. Following Favorite Brands on Social Media

One more way to potentially find the best deals online is to follow brands and retailers on social media. Brands love to give their loyal customers something special, so they may share insider discounts and offers on their social media pages and newsletters before anywhere else.

Give your favorite brands a follow on Twitter, Instagram, or Facebook to stay aware of when sales may be happening, and maybe get inspired about new things to buy along the way, too. Just be sure when you are purchasing that you are on the verified account of the brand. There are some scams out there that you’ll want to avoid.

The Takeaway

Shopping online is already, as you undoubtedly know, quick and easy. But there are ways to make it even more affordable, by tracking prices, using coupon sites, and knowing when to purchase to get the lowest possible price. By deploying these and other hacks, you can get the goods you want at the most budget-friendly price.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

What are some key strategies for finding the best deals when shopping online?

To find the best deals online, try searching for retailers’ coupon and promo codes on Google or coupon platforms. Some services, such as Honey and Rakuten, offer browser extensions that apply discounts and cash-back offers at checkout. You can utilize price tracking tools to monitor price drops, and also consider following favorite brands on social media for exclusive discounts.

What are effective ways to find and use coupon codes for online discounts?

Look for coupon codes on retailer websites, dedicated coupon sites, or through a simple Google search. Browser extensions provided by some services can also automatically find and apply coupon codes as well as cash-back offers at checkout. Following brands on social media might also provide access to special discounts.

How can timing my online purchases help me get better deals?

Timing your purchases around major sales events may increase savings significantly. Retailers often offer substantial discounts during holidays like Black Friday (the day after Thanksgiving) and Cyber Monday. Other key sales periods include Presidents’ Day, Memorial Day, Labor Day, and Amazon Prime Day.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SOBNK-Q225-008

Typically, couples spend 37% of their wedding budget on the venue, which is a big chunk of one’s funds. Given that the median price of a wedding is $10,000 according to SoFi’s most recent survey, and the average is $33,000, according to the wedding site The Knot, that can mean thousands of dollars invested in the location where you say your vows.

Fortunately, there are ways to reduce the price of your wedding venue. There are free and affordable options, from a backyard to city hall to a beach. Read on to explore your options, plus learn tips to finance your wedding.

Host a Wedding at Home or in a Backyard

This could be at your own home, or that of a parent, friend, or other loved one, which will likely be one of the most affordable wedding venues around. Benefits of this choice (besides the lack of rental fees) include the flexibility to have your ceremony on just about any day of the year, plus you have a ready-made shelter if the weather isn’t ideal. By avoiding a wedding venue rental, you can stretch your savings or your wedding loan further on other expenses, such as flowers and entertainment.

Just decide how much of the event will be held outdoors, what rooms of the house should be made available to wedding guests, and how to ensure enough seating.

A couple of other perks to an at-home wedding:

•   Want a pet-friendly ceremony? It doesn’t get any better than a home wedding for having your beloved dog be your ring bearer.

•   Any home upgrades made for the ceremony can be enjoyed for a long time afterward. If your powder room could use a glow-up, you might want to concentrate your efforts there for a beautiful bathroom refresh.

Or this could be a perfect time to do some outdoor landscaping that will beautify your special day and your home for years to come. As a bonus, a project like this could add value to your home.

Check to be sure your officiant of choice is able to perform the ceremony, plan the parking logistics, find out how to comply with any noise ordinances, and so forth.

Say “I Do” at City Hall: A Cheap and Chic Wedding Venue

A city hall wedding can be a very chic choice. You aren’t restricted to the city hall or courthouse by where you currently live. You could choose one that has special significance to your relationship, perhaps the city where you first fell in love.

Or, you can get married in the city hall where you’ll enjoy your honeymoon or your family vacation. As another strategy, you can choose the city hall based on its beauty or retro architectural details. For instance, the city hall in San Francisco has a stunning white column and gold-capped roof.

The fee for a city hall wedding varies by state and municipality. Generally, it ranges from $20 to $50 or somewhat more, not including your marriage license. Call the location to learn the exact cost.

There are usually designated days and times for city hall weddings, so find out what they are in the location of your choice and how that would work in conjunction with your post-wedding celebration. Also, ask if there’s a limit to the number of wedding guests you can have, and whether you’ll be able to have bridesmaids and groomsmen, given the logistics.

Many couples like to have a special meal after, either solo or with a few friends and family members; it’s your call how to mark the big day.

Recommended: Wedding Cost Calculator With Examples

Get Married at a Park: Affordable and Scenic Wedding Venue Idea

Perhaps there are beautiful parks in your town or city full of unique flowers, landscaping, and vistas — or maybe there is one with special meaning to you, say, where the two of you went biking on a first date.

If that’s the case, you could contact the relevant parks department and find out any details about fees and permits (for instance, if you want to marry at Yosemite National Park, you’ll need a special use permit, which currently costs $150).

Some considerations:

•   How accessible is the location for guests? If it’s a small park in the center of town, it’s likely to be fairly accessible. If it’s deep in the heart of a national park system, you may need to decide how to make it practical for guests to find and attend.

•   Other concerns for a park wedding include shelter in case of rain, having enough public restrooms (are they readily available or do you need to rent portable options?), and how comfortable you are getting married in an open space.

•   You might also need to find out what the park’s policy is on receptions. Can you set up tables and have food brought in? Or serve cake and bubbly? Dream it up, brainstorm details, and get confirmation from park officials.

Recommended: Personal Loan Calculator

Plan a Budget-Friendly Beach Wedding

You might consider a beach wedding, with its possibilities for one-of-a-kind sunsets, soft breezes, and tropical drinks. As practical considerations, do you plan to have a ceremony along the ocean on a public beach or will you locate a private beach? The permits you’ll need will likely be quite different if you plan to have just your ceremony there versus if you also plan to have a beachside reception complete with food, drink, and music.

You’ll also need to create a Plan B or otherwise have shelter available if the weather doesn’t cooperate. And, where you plan to have the ceremony, geographically speaking, may help to dictate what time of year your wedding should be scheduled. For instance, for a July wedding at your favorite beach, think about how far in advance to plan summer travel.

Then figure out the final details. Do you plan to have alcohol at your reception? That often isn’t permitted on beaches, but there are some that do allow guests to imbibe. Do you want to rope off a section of the beach? Build a bonfire? Again, you might want to ask what the rules and regulations are for the beach you have in mind and be flexible about modifying plans to help make it all come together.

More Cheap Wedding Venue Ideas to Consider

The ideas above aren’t the only affordable locations to consider for your big day. Also keep the following in mind.

Local Community Centers

Depending on where you live, you may find community centers that cost just a few hundred dollars at most to use and provide the right setting for your wedding. You can also consider whether such organizations as the Lions Club, Kiwanis, or Junior League have spaces to rent. Some offer tables and chairs; others may have fully equipped kitchens.

Couples have found that with vases from a local discount store and flowers arranged by friends and family, this option can help them pull off a wedding on a budget.

College Campus Gardens

Many colleges have pretty areas where they can host weddings, whether or not you are a graduate. Research your area and see what’s available. There might also be some indoor spots with historic architectural details where you could say your vows.

Be sure you understand the guidelines, though. Some universities work with specific vendors (such as catering companies), which can wind up blowing your budget.

Airbnb or Vacation Rentals

A vacation rental can offer a spectacular wedding setting on a shoestring. You might find a charming farmhouse with a storybook garden and loads of bedrooms to house the wedding party. Or perhaps you want to rent a loft in a nearby city.

Whatever type of accommodation you are seeking, be clear up front with the owner about the purpose of your rental to make sure there are no restrictions. Some property owners don’t want gatherings in their spaces, while others are very much in the business of helping people find a place to celebrate.

Breweries or Small-Town Halls

Local businesses can often work with tight budgets to create a wonderful and memorable wedding. For example, a craft brewery may have a private area where you can say your vows and then celebrate with friends and family over an array of their beers and snacks. Some have outdoor spaces where a food truck can pull up to feed your friends and family. Don’t forget to search for nearby distilleries, too.

Many couples like the industrial vibe these spaces can have, or you might find a local lodge or other gathering space that has a quirky, cool ambience for your wedding day.

Local Family Farm

A local farm can be a fun, rustic setting for a wedding without breaking the bank. They offer beautiful countryside and often a barn where you can say your vows and dance the night away. Plenty of farmers are supplementing their business this way these days, so see what’s available. Some partner with caterers and cooks to create a farm-to-table meal as well, which could be within your budget.

Budgeting Tips for a Cheap Yet Memorable Wedding

Even when you choose a free or inexpensive wedding venue, you’ll still likely want to come up with some creative ways to save money for the food, music, drinks, flowers, photography, video, and so on. Some ideas:

•   Tap your circle of loved ones. Do you have a friend who could handle the photography or videography? That can help you save a bundle. Or could family members fill vases with flowers from a farmers market to use as centerpieces vs. hiring a florist? Could a pal’s band play, or perhaps everyone could bring a dish for a pot luck feast?

•   You can also explore different ways to help cover some of the wedding costs. For instance, a wedding loan might be an option to explore to help pay for your big day. Or perhaps your families might be able to help out financially with some of the venue-related expenses, such as catering.

•   Prioritize your spending. During a discussion with your partner, you could both try to determine who will pay for what, and how much you’re willing to spend. It could help to discuss priorities so you’re in agreement about where to splurge and where you’re willing to compromise.

If, for example, you know that having beautiful flowers is important to both of you, that could rise to the must-have category. And maybe you want to spend more on photography and less on videography — or vice versa. What’s important is that you mutually create and agree upon a plan that’s unique to you and your special day.

Financing Your Wedding

When it comes to financing your wedding, a wedding loan could be a good option for your needs. These loans are unsecured personal loans used to cover wedding costs. Rates on personal loans tend to be lower than credit card rates, and they can offer more flexibility on the term of your loan and the amount you can borrow. Plus, you’ll get a fixed rate.

Recommended: How to Apply for a Personal Loan

The Takeaway

With research and budgeting, you can find an affordable wedding venue that makes your big day wonderful and memorable. Options can include an at-home wedding or renting an Airbnb space that you love. Or you could opt for a city hall wedding, or find a park, garden, farm, or beach to provide a beautiful natural setting for your ceremony and celebration.

Even when you find an affordable venue, however, you may need help financing your wedding. That’s where a wedding loan, which is a kind of personal loan, can come into play.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

What are some cheap wedding venue ideas?

Cheap wedding venue ideas can include getting married at home, a friend’s house, a vacation rental, or city hall. Those who like to be outdoors or amid nature can consider a local farm, garden, park, or beach. Local craft breweries and community centers can be good candidates, too.

How can I find affordable wedding venues near me?

Searching online and inquiring about spaces you have seen can yield great, budget-friendly wedding venues. Asking friends and family about wedding they have attended can be worthwhile, too.

Is it cheaper to get married at city hall or a park?

Whether it’s cheaper to get married at city hall or a park will depend on the specific locations and fees you are considering. There are usually small fees involved at both kinds of locations, but consider the big picture, too. Will you want to go out to dinner with a number of friends and relatives after a city hall wedding? Would you rent chairs and hire a guitarist for a park ceremony?

Can I use a personal loan to pay for a wedding venue?

Yes, a personal loan can be used for almost any legal purpose, from paying off medical debt to financing a wedding. Some lenders offer wedding loans specially tailored to meet a couple’s needs for their big day.

What’s the average cost of a budget-friendly wedding?

A budget-friendly wedding can be defined as one that costs no more than $10,000. However, it is possible to pull off a big day for considerably less; say, for half that amount.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q225-041

Many people believe you must have a college degree to land a secure, high-paying job and build a successful career. However, going to college can be expensive in its own right and require taking on significant debt.

That’s why it may be wise to consider the rewarding and well-paying jobs that are possible without a degree. Instead of requiring an associate or bachelor’s degree, these careers often vet interested candidates through a certificate program, an apprenticeship, and/or on-the-job training.

Read on to learn about nine careers that pay well but don’t require a college degree.

1. Elevator Technician

Though it may appear as a niche industry, there are approximately 24,400 people employed as elevator and escalator installers and repairers in the United States.

To enter the field, you generally need to complete a four- to five-year apprenticeship program to learn relevant trade skills. You can apply for apprenticeships with unions, contractors, and industry associations, such as the National Elevator Industry Educational Program. Most apprenticeship programs require a high school diploma or GED certificate.

You can also choose to earn certification. The National Association of Elevator Contractors offers two types of certification: Certified Elevator Technician (CET) and Certified Accessibility and Private Residence Lift Technician (CAT). CET certification requires you to complete a training program or have 10,000 hours of on-the-job training, while CAT certification requires you to have completed a training program or have 6,000 hours of on-the-job training.

Although training to become an elevator technician can take many years, this field has some of the best jobs without a degree from a financial standpoint. The median salary for elevator technicians was $106,580 per year in 2024, according to the U.S. Bureau of Labor Statistics (BLS).

💡 Quick Tip: An online bank account with SoFi can help your money earn more — up to 3.60% APY, with no minimum balance required.

2. Computer Programmer

Obtaining a bachelor’s or associate’s degree in computer science or a related field are common paths to computer programmer jobs. However, it’s still possible to forgo a formal degree program to enter this career path with the right skills and knowledge of programming languages, such as Python, JavaScript, and C.

There are a variety of platforms offering free coding classes for beginner and experienced programmers, including Coursera, Udemy, Codecademy, and edX. In some cases, these courses are drawn directly from top universities.

With a median salary of $98,670 per year, computer programming is one of the top-earning jobs without a degree.

Recommended: How to Make Money Fast

3. Commercial Pilot

There are several levels of certification for pilots, ranging from recreational purposes to a career flying commercial and passenger aircraft. Becoming a commercial pilot requires a high school diploma or equivalent and a commercial pilot’s license from the Federal Aviation Administration (FAA).

The commercial pilot certification process involves a minimum of 250 hours of flight time in varying conditions and in-depth training requirements. Commercial airlines often have stricter requirements, however, including at least 1,000 or 2,000 hours of flight time.

Commercial airline pilots are able to operate charter flights, rescue operations, and aircraft used in large-scale agriculture and aerial photography. They can also work for commercial airlines, though the major airlines often prefer to hire candidates with college degrees.

The median annual wage for commercial pilots was $198,100 in 2024. This is competitive with many of the highest paying jobs out of college.

4. Real Estate Broker

Looking for high-paying jobs without a degree or serious mechanical or tech skills? A career in real estate could be an option worth considering.

Every state has its own set of requirements for obtaining a real estate license. Generally speaking, this entails taking a set module of coursework and passing an exam.

Once certified, real estate agents are authorized to help clients buy, sell, and rent real estate for a sponsoring broker or brokerage firm. Depending on the state, real estate salespersons may also need to complete additional training or work a certain number of years to become a real estate broker.

The median salary for a real estate sales agent is approximately $58,960.

5. Flight Attendant

The airline industry offers other high-paying jobs, with no degree required. Working as a flight attendant can be a well-paying job that also affords the ability to travel.

Requirements can vary somewhat between airline carriers, but some universal qualifications include being at least 18 years old, passing a background check, and holding a valid passport.

Flight attendants may also need to pass physical and medical evaluations and meet certain vision and height requirements based on the airline.

Once hired, flight attendants will complete training with the airline, which typically runs from three to six weeks. Training can cover emergency procedures, first-aid, and soft skills related to customer service.

The median flight attendant salary in 2024 was $67,130 per year.

💡 Quick Tip: When you overdraft your checking account, you’ll likely pay a non-sufficient fund fee of, say, $35. Look into linking a savings account to your checking account as a backup to avoid that, or shop around for a bank that doesn’t charge you for overdrafting.

6. Electrician

Instead of finding a job that pays for your college degree, how about getting paid for learning on the job? Through paid apprenticeship and education programs, that’s exactly what most electricians do to begin their careers. Typically, apprenticeships span four to five years and include a combination of classroom instruction and paid on-the-job training every year.

Rules for electrician apprenticeship programs vary by state and location. A handful of industry groups, such as Independent Electrical Contractors and the National Electric Contractors Association, provide resources for finding apprenticeship programs.

Electrician earnings are impacted by specialization and location, but the median wages for the industry totaled $62,350 per year in 2024.

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7. Plumber

Installing and repairing piping and plumbing fixtures can be counted among jobs that pay well without a degree. Plumbers account for around 473,400 people in the workforce.

The path to becoming a plumber parallels the apprenticeship and training requirements for electricians. A standard plumber apprenticeship spans four to five years and requires 2,000 hours of on-the-job training and classroom coursework. In most cases, a high school diploma or its equivalent is required to be accepted into a program. You can find apprenticeships through plumbing companies and trade unions.

Plumbers can be called in on evenings and weekends to respond to emergencies, such as burst pipes. This, among other factors, is why the median annual pay for plumbers ($62,970) is higher than some other trades.

8. Wind Turbine Technician

Considering careers without a degree but worried about long-term prospects? A job in wind energy could be a safe bet. Over roughly the next ten years, the BLS projects wind turbine technician jobs to grow by 60%, making it one of the fastest growing occupations in the United States.

Wind turbine technicians may perform tasks related to maintenance, repair, inspection, and analysis of wind energy systems. Community colleges and technical schools often offer associate’s degrees and certificates in wind energy technology that can improve a candidate’s prospects.

Upon hire, technicians usually complete about 12 months of on-the-job training related to electrical safety, equipment operation, and climbing wind towers. Wages can vary by location, but the median pay for wind turbine technicians was $62,580 per year in 2024.

9. Court Reporter

Court reporters type word-for-word transcriptions of a trial, deposition, or other legal proceeding, using shorthand, machine shorthand, or voice writing equipment. They may also be asked to read back portions of the transcript by judges.

Court reporters often work with private law firms or local, state and government agencies. There is some training required, but not a four-year college degree. Court reporting programs may be offered at community colleges, technical schools, or court reporter schools.

To enter a program, you may need to take an entrance exam that tests typing and English language skills. In 2024, the median income for a court reporter was $67,310 per year.

The Takeaway

Finding a high-paying and meaningful job doesn’t always require going to college.

But, while you may not need a bachelor’s degree for many of these rewarding careers, you will likely need some kind of education, such as an associate degree, some trade school, or other specific certifications or apprenticeships.

Whichever career path you choose, it can be a good idea to factor in education costs, and to start saving up these expenses as early as you can.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

What job without a degree pays the most?

High-paying jobs without a degree include roles like elevator technician, computer programer, and commercial pilot. These positions often require specialized training, certifications, or significant experience. Other lucrative options include real estate agent, plumber, electrician, and wind turbine technician. While a degree isn’t required, these jobs may demand extensive on-the-job training and licensing.

How to make $100,000 without a degree?

It’s possible to earn $100,000 without a degree through skilled trades, entrepreneurship, or high-demand industries. Examples include becoming a pilot, elevator technician, and computer programmer. Sales jobs like real estate or insurance can also be lucrative with strong performance. Starting a business or freelancing can also be paths to a six-figure income.

Can you make $30 an hour without a degree?

Yes, many jobs pay $30 per hour without requiring a degree. Skilled trades like plumbing or electrical work, work often start near or above this rate. Tech roles like web development, digital marketing, or IT support can also pay this much if you build skills through online courses or bootcamps. Other roles that can pay $30 without a degree include: sales representative, writer, insurance claims adjuster, and building inspector.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

SOBNK-Q225-083

It may feel like there’s nothing easy about money. The older you get, the more obligations you may have. Between checking, savings, 401(k)s, bills, loans, mortgages, and more — it can be a lot to keep track of and manage.

If thinking about your finances causes you to feel stressed and/or you find yourself putting off important financial decisions, it may be time to simplify. While streamlining your personal finances can take a little bit of time and effort in the short term, it can end up saving you time, effort, as well as money, over the long haul.

Here are seven simple moves that can help you manage your money more efficiently — and more effectively.

1. Automating Your Bills

One of the easiest ways to simplify your finances is to set up auto payment whenever possible. Putting all of your bills — including credit cards, utilities, insurance, loans, mortgage, and even rent — on autopilot can save you significant time and hassle each month. Plus, you won’t have to worry about late payments — or late fees.

You can often set up automatic payments for your bills by going to the website of the service provider and inputting your bank account information.

If a business doesn’t offer an automatic payment program, you may be able to set up a recurring payment through your bank by logging in to your online bank account or using your bank’s mobile app.

2. Going Paperless

A major culprit of personal finance-related headaches is paperwork. Keeping track of the many documents — all those receipts, investment reports, bank statements, tax returns — can be a struggle.

Many services allow you to opt-in to a paperless experience instead. You’ll typically have access to all of the documents when you log into your account. And, with everything just a click away, you won’t have to worry about finding misplaced paper documents.

If you’re interested in next-level financial organization, you could even set up a digitized archive of your important information and files on your computer or an external hard drive, so you never have to spend hours searching through file cabinets and miscellaneous envelopes.

You can also reduce physical — and mental — clutter by taking advantage of the many retailers and service providers that offer email, rather than paper, receipts. Or, you may want to consider getting an app that scans, organizes, and stores receipts.

3. Consolidating Accounts

Whether you’re married with three kids or single with two Labradoodles, there’s a good chance that you have more financial accounts than you need. Consolidating multiple bank accounts into just a few can help simplify your financial life. In some cases, it can also help you save you money.

If you’ve done a lot of job hopping in your career, for example, you could have multiple 401(k)s floating around. When you leave a company but don’t roll over your 401(k), you’re often subject to fees that your employer may have been covering while you were employed.

By rolling your 401(k) into an Individual Retirement Account (IRA), you may be able to minimize fees. Another plus is that you may be able to merge your IRAs and have all of your funds in one spot. And, you may be able to select from a wider selection of funds and investments than the ones selected by your previous employer.

If you have more than one checking or savings account, you may want to see if you can pare it down to one of each. They don’t necessarily have to be under the same roof. You can typically link your accounts even if they are at two different banks, such as a checking account at a traditional bank and a high-yield savings account at an online bank.

You may also want to look at bundling your insurance policies. Many companies offer substantial discounts if they write both your auto and homeowner’s policies.

4. Using One Credit Card

If you signed up for a variety of credit cards, chasing the promised rewards they offered, you may have racked up more than a few credit accounts.

To make it easier to keep track of your spending, you may want to pick the card that offers you the most in return, whether that’s cash back, travel rewards, or other perks, and focus on using only that credit card.

By putting everything on one card, you’ll only have one credit card bill to pay each month, a single statement to monitor for errors and fraud, and one rewards program to track. Plus, you won’t have to think about which card to pull out whenever you’re making a purchase.

Rather than canceling your other cards (which could negatively impact your credit), you may want to just store them away in a secure place.

5. Knocking Down Debt

One of the most effective ways to reduce financial stress is to get rid of high-interest debts.

Paying off even one sizable credit card or loan can not only ease worry, but can also reduce the number of financial obligations you have to deal with each month. It can also free up money that you can then put towards something else, whether that’s getting rid of other debts or something fun like a vacation.

Two common strategies for paying off debt are the debt snowball and debt avalanche method.

With the debt snowball method, you list your debts in order of size, then put any extra money you have towards the debt with the smallest balance, while paying the minimum on the others. When that debt is paid off, you tackle the next-smallest debt, and so on. Paying off debts in full can help you feel accomplished, simplify your life, and inspire you to continue crushing your debt.

With the debt avalanche method of paying off debt, you list your debts in order of interest rate, then focus on putting extra money towards the debt with the highest interest rate first, while paying the minimum on the rest. When that debt is paid off, you put extra money towards the debt with the next-highest interest rate. While it may take you longer to see progress on your loans, you’ll likely pay less money in interest over time using this method.

6. Putting Saving on Autopilot

The set-it-and-forget-it approach can be highly effective when it comes to saving money. For one reason, you don’t have to remember to transfer money from your checking to your savings each month. For another, the money will get whisked out of your checking account before you ever have a chance to spend it.

You can automate savings in just a few minutes by setting up a recurring transfer from your checking to your savings account for a set amount of money on the same day each month (perhaps the day after your paycheck clears).

Even if you can only afford to transfer a small amount each month, it can be worth automating this task. Since the savings will happen every month no matter what, your savings will gradually build over time.

Recommended: Savings Calculator

7. Focusing on Fewer Goals

It can be great to have financial goals. Many of us have plans to buy a home, put kids through college, and pay for our retirement. But if you set too many goals at one time, you can end up losing focus, and not making any progress on any of them.

A better approach can be to set just one or two goals to fully focus on at one time. Ideally, one should be saving for retirement, since the earlier you start saving for retirement, generally the easier it is to reach your goal.

The other goal might be paying off your credit card debt or student loans, saving for a down payment on a home, or putting money aside to help pay for your kids’ college education.

By focusing your energy on just one or two specific goals, you may be able to make real headway. Once you start seeing progress — or actually achieve the goal — you’ll likely be inspired to set, and accomplish, other goals.

The Takeaway

Simplifying your financial life may take a bit of legwork up front but, in the long run, it can help alleviate stress and also help you better plan for your financial future.

Strategies that can help you simplify your finances include paring down the number of accounts you have, crossing off debts, automating monthly tasks like paying bills and transferring money to savings, and focusing your efforts on just one or two financial goals at a time.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with eligible direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

FAQ

How do I simplify my finances?

You can simplify your finances by consolidating accounts, automating payments, and using budgeting apps. Other ways to simplify your financial life include: setting up a budget with clear spending categories and limits, paying off high-interest debts to reduce monthly obligations, and getting rid of subscriptions and memberships you don’t use regularly.

What is the 50/30/20 rule in your financial plan?

The 50/30/20 rule is a budgeting guideline that splits your income into three parts: 50% for essential expenses (like rent and groceries), 30% for discretionary spending (like entertainment, dining out, and hobbies), and 20% for savings and debt repayment. This rule helps ensure a balanced way to manage money, ensuring both responsible financial habits and room for enjoyment and future planning.

What is the 7% rule in finance?

The 7% rule in finance suggests that a safe and sustainable withdrawal rate from a retirement portfolio is 7% per year. This means you can withdraw 7% of your total retirement savings annually without significantly depleting your funds. However, this rule is a general guideline and may vary based on market conditions, portfolio size, and individual financial circumstances. Always consult a financial advisor for personalized advice.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. The SoFi® Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SOBNK-Q225-086