New Year’s Resolutions are notorious for being kept … for about 6 days. But there are several resolutions worth keeping this new year. One of them really should be to make your money work for you by earning more interest ^[2] and by using more cash back programs.

Start earning more interest

There are a couple of ways to earn more interest this New Year:

• Invest ^[3] in peer to peer lending
• Put your money into an online savings account ^[4]

Peer to peer lending

Peer to peer lending with sites such as Lending Club ^[2] is a great way to increase the amount of interest you’ll earn this year. With rates in the 9% range and better, you can certainly earn more on your money with Lending Club ^[2] than with a traditional brick-and-mortar bank. There is an element of risk so be certain to understand who you’re investing in and make certain their FICO score or credit score ^[5] meets your requirements.

Investing in Lending Club

The great thing about Lending Club ^[2] is you can limit your exposure by allocating as little as $25 to an individual borrower. For example, if you’re investing $1,000 you can actually invest ^[3] $25 into each of 40 borrowers, effectively lowering your risk of any one borrower going belly-up. At the moment, you can invest ^[3] in Lending Club ^[6] notes if you live in California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Louisiana, Minnesota, Mississippi, Montana, New Hampshire, Nevada, New York, Rhode Island, South Carolina, South Dakota, Utah, Virginia, Washington, Wisconsin, West Virginia, and Wyoming.