Black Friday and Cyber Monday aren't just for kitchen gadgets, technology, and fashion. It's also a great time to take advantage of savings and bonus offers for personal finance products and tools.

Right now, we're seeing a ton of offers for bank sign-ups, investment tools, and other personal finance apps. Some of these prices are the lowest we've ever seen.

If you've been looking for an excuse to open a new savings account or try that budgeting app, these Cyber Week deals could help you make the decision!

Banking Bonus Offers

Here are some popular banking promotions:

Barclays - $200 For New Tiered Savings Accounts

Barclays is offering a $200 bonus to new bank customers who open a Tiered Savings account and deposit at least $25,000 within the first 30 days. You'll need to maintain at least $25,000 for the next 120 days, and the $200 bonus will be added directly to the account. Terms apply. 

Check out Barclays Tiered Savings here >>

Raisin - Earn $10 for Every $5,000 Deposited

Raisin, the popular brokered savings app, is offering new customers $10 for every $5,000 deposited with code CYBER. See site for important details.

Check out the full Raisin promotion here >>

Budgeting And Personal Finance Apps

Here are some deals for budgeting an personal finance apps:

Monarch Money - 50% Off

Monarch is one of our best budgeting app picks for 2024, and they are currently offering 50% off your first year with code BF2024. Offer is valid from November 27 to December 2, 2024.

Check out Monarch Money here >>

PocketSmith - 30% Off Annual Plans

PocketSmith is a budgeting app and net worth tracker that has a lot of features. Right now, they are offering 30% off all annual plans through December 2, 2024.

Check out PocketSmith here >>

Quicken Simplifi - 67% Off

Qucken Simplifi is a very popular budgeting app from the makers of Quicken. They are currently running a promotion where you can get 67% off when you sign up by December 4, 2024 for an annual subscription.

Check out Quicken Simplifi here >>

Investing Apps And Tools

Here are some popular promotions for investing and retirement apps:

Benzinga Edge - 75% Off

Benzinga is a popular stock picking tool that provides trade insights, market movement, and more. They are currently offering 75% off for Black Friday!

Check our the Benzinga promotion here >>

Ledger - $70 Of Bitcoin

Ledger is running a promotion for Black Friday where if you purchase a Ledger Flex ($249), you can get a voucher for $70 in Bitcoin.

Check our the Ledger promotion here >>

Snowball Analytics - 30% Off

Snowball Analytics is one of the best portfolio tracking tools available, and they are currently offering 30% off all subscriptions from November 25 to December 4, 2024.

Check our the Snowball Analytics promotion here >>

Credit And Identity Protection

Here are some promos related to credit and identity protection:

Aura - Up To 75% Off

Aura is currently offering up to 75% off their identity protection and credit monitoring for Black Friday.

Check out Aura here >>

Dashlane - Up To 50% Off

Dashlane is a fantastic password manager and is currently offering up to 50% off for Premium Plans and 35% off for business plans. If you're looking for a password manager, check out this deal.

Check out Dashlane here >>

DeleteMe - 25% Off

DeleteMe is a service that removes your personal information from the web (those aggregator sites). I've covered my use of DeleteMe here in my article about how to De-Google your life. But right now, DeleteMe is offering 25% off for Black Friday.

Check out DeleteMe here >>

Financial Education And Learning

Here are some great financial education products with promotions:

Brilliant Bookkeeper - 50% Off

The Brilliant Bookeeper course gives you an A-Z education in bookkeeping, how to approach clients, and how to deliver your services. Whether you just want to make some extra cash on the side… or if you want to use this as a springboard to launch your bookkeeping empire and scale all the way to multiple six-figures, seven-figures, or beyond… then this is the side hustle for you. This course will be on sale from Friday November 29, 2024 through Monday, December 2, 2024.

Check out Brilliant Bookeeper here >>

Jen Henson ACT Prep - $649 Group Intensive

Jen Henson ACT Prep (who is probably one of the best in the business) is offering a fantastic deal on group ACT test prep - just $649 for seventeen classes! This is best for students with a 21-26 ACT score that want to improve it. Offer valid until November 30, 2024.

Check out Jen Henson test prep here >>

PFC Investing Course (Build Wealth By Investing In Index Funds) - 30% Off

The Build Wealth By Investing In Index Funds, the signature investing course from Personal Finance Club, will be 30% off on Black Friday until Cyber Monday. The price will be $69, down from $99.

Check out the Build Wealth By Investing In Index Funds Course >>

PFC All-About-Money Course (How To Money Like A Millionaire) - 30% Off

How To Money Like A Millionaire is the all-about-money course from Personal Finance Club. It will be 30% off on Black Friday until Cyber Monday. The price will be $69, down from $99.

Check out How To Money Like A Millionaire >>

Princeton Review - $400 Off SAT/ACT Essentials

Princeton Review is offering $400 off their SAT or ACT Essentials course if you sign up online with the voucher code BlackFriday400.

Check out Princeton Review here >>

Salchow Coaching - 25% Off

Colleen Salchow offers financial coaching for couples, teens, and families. She is offering 25% off individual coaching programs for the rest of 2024!

Check out Salchow Coaching here >>

White Coat Investor Courses And Books - 20% Off

The White Coat Investor is offering 20% off on all courses and books until December 2, 2024, with code SAEV20 at checkout.

Check out The White Coat Investor Courses here >>

Other Products And Services

Here are some finance-tangential related products and services.

Mint Mobile - 3 Months For $15/mo

Mint Mobile is one of our favorite low-cost cell phone providers, and they are currently running a Black Friday special of Unlimited Premium Wireless for $15/mo for 3 months.

Check out Mint Mobile here >>

NordVPN - 74% Off

NordVPN is a popular VPN service and is currently offering 74% off AND 3 extra months free.

Check out NordVPN here >>

Verizon - Up To $1,000 Off A New Phone

Verizon is running a Black Friday sale where you can get $1,000 off a new phone with select trade ins and select plans. 

Check out Verizon here >>

Other Amazing Bonus Offers

Don't forget that many banks and brokerages offer awesome bonus offers all the time.

We keep a list of the best promotions going on here:

• Best Bank Bonus Offers And Promotions
  
• Best Investing Promotional Offers
  
• Best IRA Match And Transfer Bonus Offers
  

Once you've completed your 5 consecutive years, you can apply for forgiveness under the program. 

Note: You cannot combine both PSLF and Teacher Loan Forgiveness.

A circumstance where it might not make sense is if you don't plan on working for 10 years. If you meet the 5 year criteria, and don't plan on teaching any longer, Teacher Loan Forgiveness could make sense.

Another circumstance where it could make sense is if you haven't consolidated your loans and have FFEL loans. Since FFEL loans don't qualify for PSLF, you could do Teacher Loan Forgiveness first, then consolidate your loans and go for PSLF. 

The difficult part of Perkins loans is that they are administered by your college where you received the loan. In order to apply for forgiveness, you need to reach out to your loan servicer or the financial aid office where you received the Perkins Loan.

Note: Perkins Loans stopped in 2017. It's pretty rare for a teacher to still have these types of loans.

Option 4. State-Based Loan Repayment Assistance Programs

45 states and the District of Columbia all offer state-based student loan repayment assistance programs. These programs are designed to help states staff teachers in areas or programs where they have shortages. 

We have a complete list of state-based student loan forgiveness programs here: Student Loan Forgiveness Programs By State.

It's important to note that, while you may qualify for multiple programs, you cannot overlap programs. For example, if you qualify for a state-based program, you cannot qualify for PSLF at the same time - you would need to do it sequentially. 

That's why it's important to look at the value of the state-based program and your own situation prior to signing up for any program.

Raisin, the popular online savings platform, is offering a $10 bonus for every $5,000 deposited by December 6, 2024, and maintained through March 6, 2025.

What's even more amazing is that this offer has no cap! You can deposit $50,000 or $100,000, and see your bonus grow!

This Cyber Week offer gives savers an opportunity to earn additional rewards on top of high-interest rates from Raisin’s partner banks.

To take advantage of this offer, sign up for Raisin here using the code CYBER >>

What Is Raisin?

Raisin connects savers with partner banks offering competitive interest rates on high-yield savings accounts, money market accounts, and CDs.

While the national average for savings account interest rates is just 0.43%, Raisin’s partner banks often exceed 4.40% annual percentage yield (APY).

You can read our full Raisin review here to learn the details.

Bonus Offer Details

To participate in the Raisin Cyber Week bonus, customers must deposit funds into one or more savings products offered by Raisin by December 6, 2024, and maintain those balances through March 6, 2025.

Eligible customers will receive their bonuses within 30 days after the promotion ends.

This limited-time offer comes as Raisin continues to innovate in the personal finance space, making it easier for individuals to maximize their savings. While the platform’s custodial model requires users to manage transfers through Raisin’s portal, its higher-than-average interest rates and transparent fee structure make it a popular choice for savers.

Check out Raisin here >>

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Let's talk about how to get a student loan. 

Whether you need a Federal student loan, or a private student loan, there are certain things you need to know about how to take out a student loan.

While it would be great to cover all your college costs using a combination of savings, help from family members, scholarships, and your personal income, those funds aren’t always going to cut it. Many college-bound students will need to apply for student loans to cover the gap between the cost of education and their limited resources.

This guide explains how to apply for student loans, and how to select the amount to borrow when you take out the loans.

A good starting point: How To Find The Best Student Loan Rates >>

How to Apply for a Federal Student Loan

For U.S. citizens applying for educational loans in the U.S., the FAFSA application is the starting point for Federal student loans. Here’s how you apply for Federal student loans.

Criteria And Requirements For A Federal Student Loan

If you’re looking to get a federal student loan here’s the criteria:

• Have a valid Social Security number.
• Men must be registered with the selective service. Male students between 18-25 have to register with the selective service to receive loans.
• Be a citizen or eligible noncitizen. Undocumented immigrants are not eligible to receive federal or state funding. Permanent residents with green cards can apply for aid. Immigrants with T-1, battered-immigrant-qualified alien, or refugee status may also be eligible.
• Have a high school diploma or equivalent, such as a GED or certificate from a homeschooling program.
• Enroll in an eligible school. Students at unaccredited schools might not qualify for federal aid. Some schools also choose not to receive federal aid.
• Fill out the Free Application for Federal Student Aid. Any high schooler interested in financial aid needs to fill out the FAFSA, a form that asks for your family’s financial information to determine how much you qualify for. Even those with little to no demonstrated need can be eligible for student loans, so officers encourage everyone to apply. Without the FAFSA, you won’t receive any federal loans, scholarships or grants.
• Be in good standing with federal financial aid. Students can’t be in default on other federal loans or owe money on a federal grant.
• Maintain a 2.0 GPA. Students need to maintain a 2.0 cumulative GPA or risk losing financial aid until their grades improve.
• Be at part-time status or more. Students must be considered part-time to be eligible for loans. Each college determines what part-time and full-time status means, so ask your financial aid officer how many credits you’ll need to take.

Fill Out the FAFSA

Applying for Federal student loans starts by filling out the Free Application for Federal Student Aid (FAFSA). To fill out the application, you’ll need your information and your parents’ information from tax filing from two years ago (for the 2025-2026 school year, you’ll need the 2023 tax returns), plus information about your parents’ assets, your assets, and other financial details.

Once you submit the FAFSA, your school (or schools of choice if you’re still deciding where to attend) will create a student aid report for you. This report will include information about free aid (such as grants, scholarships, and more). It will also show information about work-study options and, of course, student loans.

In the United States, almost all schools use the FAFSA to issue need-based aid to students. Even if you don’t plan to take out student loans, you should be completing the FAFSA. You may learn that you qualify for grants or extra scholarships from your school of choice based on your financial status.

Review the Aid Offer from Your School

About two weeks after you submit the FAFSA to your school, you can expect to receive an aid offer (most financial aid offers usually arrive between January and March). The offer will include information about all sources of aid including:

• Scholarships
• Grants
• Work-study programs
• Subsidized student loans
• Unsubsidized student loans

In general, you want to take all the free money you can get. That means accepting the scholarships and the grants. If you plan to live on campus, you may want to consider taking the work-study offer too.

However, consider work-study as a baseline for your earnings, not a cap. Often, work-study jobs do not pay very well. Side hustles like reffing soccer or basketball, tutoring, waiting tables and tending a bar, or any form of skilled labor typically pay much better.

And, of course, starting a business may be the best way to earn money during college.

The last form of aid will be student loans. These will include subsidized loans, which have a lower interest rate (and interest doesn’t accrue while you’re in school), and unsubsidized loans (where interest starts accruing right away).

Read our full guide to paying for college here >>

Take Out The Appropriate Student Loan Amount

Once you review the offer, you can accept any part of the offer you want. You do not have to take out all the loans. In fact, I recommend borrowing as little as possible to pay for your tuition and other upfront costs. You also have to content with federal student loan borrowing limits, which are very low.

Between savings, frugal living, and working, most undergraduate students can pay for their living expenses without borrowing money.

Student loans aren’t free money. You will have to pay them back. It always makes sense to look for alternatives to borrowing to pay for your education.

It may seem smart to borrow a little extra now, but I advise against that. After college, you may have a salary of $50,000 to $60,000 to start (or even lower in many fields). That sounds like a lot of money, but paying back $50,000+ of student loans on a starter salary is a huge challenge.

Think about your future self, and limit your borrowing today. You might also want to make sure you complete the student loan entrance counseling first so you have a good understanding of the expectations for repayment.

Finally, remember that the collateral for student loans is your future earnings!

How to Apply for Private Student Loans

In some cases, students in the U.S. may want to apply for private student loans rather than Federal student loans. A few reasons to consider private loans include:

• You want to attend a non-accredited educational opportunity (such as a coding bootcamp).
• You plan to take one course at a time (you need at least half-time enrollment to qualify for most Federal programs).
• You’re not a U.S. citizen, so you don’t qualify for Federal loans.
• You have a strong income and a strong credit score, so private lenders may offer better rates than the unsubsidized Federal loans.
• You’re refinancing your existing student loans to a private lender with a substantially lower interest rate.

If one of these situations applies to you, then follow these steps below to apply for private student loans.

Gather All Your Documents

When you apply for any loan, you’ll need documents to prove your income, credit score, and whether you have assets. In general, you’ll need the following:

• Tax returns or W-2 forms from the previous years.
• Employment pay stubs.
• Personal identification information (driver’s license, etc.).
• Bank statements.
• If you’re applying for private loans while attending school, you’ll need information about the cost of attending.
• If you have a cosigner, you’ll need their information too.
• Loan documents for existing student loans (if refinancing).

Compare Rates from a Few Lenders

Once you’ve gathered up the information, start doing some loan shopping. We recommend the lenders on our Best Places To Find Private Student Loans list.

Many lenders allow you to preview rates without having a hard credit pull. You can also “shop” for rates using sites like Credible.

Comparing rates using an aggregation site (like Credible) will help you get a feel for the interest rates and terms available to you.

Apply for Identical Loans from at Least Two Lenders

After unofficially comparing rates, apply for loans from at least two lenders. That way you can pick the best possible interest rate. The underwriting and approval process can take anywhere from a few hours to a few weeks depending on the lender.

Remember to also compare key features like loan repayment terms, loan discharge options (like disability discharge), and more.

Take Out The Best Student Loan Offer

When you have a few loan offers in hand, compare them to see which loan is the best for you. Then sign the loan documents and move forward with your education or paying off your loans.

If you have a cosigner, you may also want to get a term life insurance policy to protect your cosigner should anything happen to you. A term life insurance policy for the loan balance (when you're a young adult) can be very inexpensive.

Remember, some private student loans require immediate payments, so make sure you double-check your lender and their repayment plans before you commit.

Barclays Bank has launched a $200 bonus promotion for new customers who open a Tiered Savings account and meet specific deposit requirements.

This bonus offer runs through January 6, 2025, and is open to new Barclays customers.

Beyond the bonus offer, Barclays currently has one of the highest interest rates for high-yield savings accounts.

Open A Barclays Tiered Savings Account here >>

About Barclays

Barclays, a banking institution with roots dating back to 1690, has been expanding its footprint in the U.S. online banking sector. Known for its high-yield savings accounts and certificates of deposit (CDs), the bank is positioning itself as a top choice for savers.

Customers must note, however, that Barclays is an online-only bank in the United States and lacks physical branches. Deposits are FDIC-insured up to $250,000, ensuring peace of mind for account holders.

Key Tiered Savings Account Features

Barclays’ tiered savings account structure provides flexibility for a variety of savers. Whether holding a modest balance or larger sums, customers benefit from competitive rates.

Right now you can earn up to 4.80% APY, with minimum balance requirements.

The tiers are:

Open A Barclays Tiered Savings Account here >>

Final Thoughts

As savings rates fall, Barclays Tiered Savings account remains one of the strongest offerings. Even their lower tier is extremely competitive versus other banks.

However, the bank bonus landscape is getting competitive as the year ends. Many other banks are now offering bonus offers to entice deposits. Check out this full list of Bank Bonus Offers and Promotions.

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