Frugal people know how to save big on everyday expenses, from cutting car insurance costs to avoiding high credit card interest. Learn five smart ways to keep more money in your pocket and make your budget go further! (Shutterstock ),
You’ve mastered the art of cutting back – brewing your own coffee, avoiding Target dollar-spot temptations, and resisting the allure of avocado toast (cut to: millennial eye-roll).
Yet, those pesky monthly bills remain. We get it, and we’re here to spill the beans on how to break free from the shackles of rent, utilities, cell phone bills, insurance, and grocery expenses.
Ready to free up some cash? Read on for the ultimate frugal playbook.
1. Cancel Your Car Insurance
You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix.
Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $1,025 per year.
If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you. No phone calls. No spam. Just happy customers (4.7 rating on Trustpilot).
Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.
2. Interest: Stop Paying Your Credit Card Company
If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…
And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmONE wants to help.
If you owe your credit card companies $100,000 or less, AmONE will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? You’ll be left with one bill to pay each month. And because personal loans have lower interest rates (AmONE rates start at 6.40% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.
You don’t need a perfect credit score to get a loan — and comparing your options won’t affect your score at all. Plus, AmONE keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes less than a minute and just 10 questions to see what loans you qualify for — you don’t even need to enter your Social Security number. You do need to give AmONE a real phone number in order to qualify, but don’t worry — they won’t spam you with phone calls.
3. Warranties: Protect Your Household from System & Appliance Breakdowns — and Save BIG!
It’s possible your fridge or HVAC system could turn on you at any moment, and there’s nothing your homeowner’s insurance would do to protect you.
Besides, would you really want to wait on insurance to get around to begrudgingly sending out help?
Choice Home Warranty’s plans deliver rapid response times for household repairs. Service is available 24 hours a day via their app, website, or phone.
A small monthly fee protects your washer, dryer, HVAC system, stove, fridge, and more—things your insurance company won’t.
And not to keep bashing your awesome homeowner’s insurance, but these home warranty plans cost way less and could save you much more money than insurance.
Choice Home Warranty has protected more than 2 million homes from having to cancel plans or lean on credit cards. With a network of over 25,000 insured technicians, help is never far away.
Learn how you can get a Free Quote. Just take this 30-second quiz to learn how much coverage you need to protect your finances from appliance repairs.
4. Debt: Ask This Company to Get a Big Chunk of Your Debt Forgiven
Life gets expensive, and sometimes credit cards become a lifeline. If you’re feeling weighed down by debt, National Debt Relief can help lighten the load for you.
If you have $15,000 or more in unsecured debt, their team of Certified Debt Specialists will work with your creditors to lower what you owe and set up a plan that fits your budget. No stress, no guesswork—just a clear path forward.
Most clients wrap up their debt in just 12 to 48 months. A free consultation is all it takes to start taking control of your financial future. Why wait? Get started today.
5. Time: Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
If you’re turning blue in the face waiting for a raise at work, it might be time to quit holding your breath and start speaking your mind to someone who wants to listen.
Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.
And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.
They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.
