6 secrets of rich people.

If someone would just Venmo us $1 million, life would be a whole lot easier, but the chances of that happening are, well, probably none. (In any case, Venmo doesn't enable transactions of that size.)

Despite the fact that our prospects of becoming millionaires are minimal, we may still handle our money as if we were. No, we won't advise you how to buy hundreds of thousands of shares of Apple stock. Or how to choose the ideal yacht.

These are basic money strategies that every non-millionaire can implement right now. Each secret will help you get closer to your key ambitions.

1. Make Use Of This Secret Bank Account

Here’s how it works: You’re missing out on extra cash if you don’t use Aspiration’s debit card.

Yep. Aspiration is a debit card that provides you up to 10% cash back on every swipe, as well as up to 100x the regular interest rate on your balance.

Do you need to get some groceries? Make some additional money.

Do you need to refuel your vehicle? Bam. Even more money to be had.

This card used to have a long waiting list, but now you may sign up for it for free.

Fill up your email address and bank account information to see how much money you can earn with your free Aspiration account. And don’t be concerned. Your funds are insured by the FDIC and protected by military-grade encryption. That’s nerd speak for "absolutely safe."

2. Even if you aren’t wealthy, you can purchase an apartment building.

This has been a rollercoaster of a year. However, historically, real-estate investing has provided the strongest long-term returns. (Do you recognize the name Rockefeller?)

That's why we prefer to work with professionals like DiversyFund. You don't have to be a millionaire to work with them to make long-term investments in apartments and office buildings across the country. With merely $500, you can get started.

You can see which properties, such as a 200-unit apartment complex in Killeen, Texas, or a 59-unit building in San Diego, are included in your portfolios. You don't even have to be the landlord; DiversyFund takes care of everything.

They've seen annual returns of 17 percent to 18 percent in the past because they know how to ride out the market's ups and downs, albeit they can't guarantee anything.

As a part-owner, you profit from rent payments and rising property values. Signing up and purchasing your first apartment building takes only a few minutes.

3. Your Auto Insurance Should Be Cancelled

When was the last time you shopped around for vehicle insurance? With your existing coverage, you’re probably paying way too much.

You should get a new auto insurance quote if it's been more than six months since your last one.

And if you use SmartFinancial, a digital marketplace, you could be able to acquire rates as low as $22 per month, saving you more than $700 per year.

Getting estimates from different insurers takes less than a minute, and you can compare all of the best rates side by side. Yes, you could save $715 this year in less than a minute. That's a lot of money back in your pocket.

So, if you haven't looked into auto insurance rates in a while, discover how much money you can save by switching policies.

4. Another Company can be purchased for $1.

Take a peek at Forbes' list of the world's wealthiest people, and you'll see that practically every billionaire owns another business.

However, if you work for a living and don't have millions of dollars stashed away, that may seem completely out of reach.

That's why so many people utilize the Stash app. It allows you to participate in something that is ordinarily only available to the wealthiest of the wealthy: purchasing parts of other companies for as little as $1.

That's right: you can invest as little as $1 in shares of well-known firms like Amazon, Google, or Apple. What's the best part? You can profit if these businesses succeed. Some corporations even send you a cheque for your part of profits, known as dividends, every quarter.

It only takes two minutes to sign up, and once you deposit $5 into your account, Stash will offer you a $5 bonus.

5. Request that this website assist you in paying your credit card bill this month.

No, I'm talking about the entire law. It's all there.

While you're worrying about your debt, your credit card company is profiting handsomely from those exorbitant interest rates. However, a website called Fiona may be able to assist you with paying off that bill as soon as tomorrow.

Here's how it works: Fiona can get you a low-interest loan that you can use to pay off all of your credit card debt. What is the advantage? You'll only have one charge to pay each month, and because the interest rate is so much lower, you'll be able to pay off your debt much more quickly. In addition, there will be no credit card payment this month.

Fiona can help you borrow up to $250,000 with fixed rates starting at 2.49 percent (no collateral required).

Fiona will not force you to queue or call a bank. It's also free to check online if you're scared you won't qualify. It only takes two minutes and could help you save thousands of dollars. It was well worth it.

By tomorrow, all of your credit card debt — and the anxiety that comes with it — may be gone.

6. You may raise your credit score by up to 300 points in a matter of minutes.

You may not consider your credit score to be very important. In fact, you might not give it any thought. But what happens if you want to purchase a vehicle? Or perhaps a home? Unfortunately, those three small numbers have a significant impact on your ability to do so.

And if your credit report contains an error (which occurs in one out of every five reports), it could obstruct your progress.

Credit Sesame, thankfully, is a free service that can help you spot any inaccuracies. It explains why you have the score you do and provides you with specific advice to help you improve.

This is how Salome Buitureria, a working mother from Louisiana, discovered a big error on her report. She was able to correct the error and take other steps to boost her credit score from 524 to over 700 by using Credit Sesame.

She and her husband now believe they are in a better position to achieve their most important goal: buying a home. Signing up only takes approximately 90 seconds.

*Fractional share purchases begin at $0.05 for securities priced over $1,000.

You'll also be responsible for the usual costs and expenses represented in the price of the ETFs in your account, as well as fees for Stash and the custodian's numerous ancillary services.

Stash pays The Penny Hoarder to be a paid affiliate/partner. Stash Investments LLC, an SEC-registered investment adviser, provides financial advising services. This information is provided solely for educational and informational reasons and is not meant to provide investing, legal, accounting, or tax advice. Investing entails a degree of risk.