Can’t Tighten Your Budget Anymore? Make These 6 Money Moves

You’ve tightened your budget as much as you can — but the expenses just keep piling up. 

If you’re barely keeping up with bills, it may seem like there’s nothing you can do about it, but there is. 

From slashing your car insurance bill to easing your debt burden, these six things can help get your budget back on track. 

1. Cancel Your Car Insurance

You might not realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. But don’t worry; this is an easy fix. 

This new tool from The Penny Hoarder gathers all your best options together in one place, so you don’t have to waste time browsing endless insurance sites for a better deal. On average, drivers who shop around tend to save $500 per year or more. 

Getting started is super easy, too. Just tell us a little about yourself and the kind of car you drive, and we’ll send you a few personalized quotes you can compare to find the best fit for you. 

Stop overpaying for car insurance. It only takes a few minutes to compare your options and see how much you could be saving.

2. Score a $200 Bonus and 2% Cash Back with This Card

Aiming to ditch high-interest payments and score cash back on everything you buy? Who isn’t, right?

This card makes a balance transfer easy and affordable, plus you can save money on interest while you earn rewards. With a lengthy 0% intro APR on balance transfers until 2026, you’ll get some well-deserved breathing room to pay down balances interest-free. Plus, a $200 cash bonus is waiting for you, and you’ll enjoy 2% cash back on everything you buy — helping you make the most of your everyday spending. 

Here’s what makes this card a win-win:

• $200 cash back bonus
• Unlimited 2% cash back 
• $0 annual fee
• 0% APR on balance transfers for 18 months

Get the most out of your spending. Learn more about this balance transfer card today. 

3. This Company Will Pay You $150 to Get Cheaper 5G Internet

There are some bills you just can’t avoid. For most of us, that includes our internet bill. You can’t exactly go without it these days, and your provider knows that — that’s why so many of us are overpaying. 

But with T-Mobile, you can get high-speed, 5G home internet for as little as $30 a month. They’ll even guarantee to lock in your price. 

You’re probably thinking there’s some catch, but they’ll let you try it out for 15 days to see if you like it. If not, you’ll get your money back. You don’t even have to worry about breaking up with your current provider — T-Mobile will pay up to $750 in termination fees.

Even better? When you switch now, you’ll get $150 back via prepaid MasterCard.

Just enter your address and phone number here to see if you qualify. You could be paying as low as $30 a month for high-speed internet. 

4. Protect Your Budget from Your Home

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.

5. Ask This Company to Get a Rid of a Big Chunk of Your Debt

You’re not an extravagant spender. That’s why it feels so surreal to be in so much debt. 

But with higher inflation and rising costs of everyday purchases, so many of us have had to rely more and more on credit cards just to keep up with just our basic needs.

The good news is, a company called National Debt Relief wants to help by negotiating with your creditors to resolve your debt.

If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts can set you up with a realistic timeframe and payment plan that works for you.

As your monthly payments with the National Debt Relief program add up, they’ll negotiate with your creditors to settle your accounts. You will have to pay a percentage of debt settled, but it’ll still be way less than your original debt.

On average, you could resolve your debts in as little as 24 to 48 months. 

National Debt Relief is one of the largest debt settlement companies in the nation, and has already helped more than 500,000 people. 

Find out what your best options are for taking control of your debt and re-establishing your financial stability. It only takes a few minutes to sign up for a free consultation.

6. Earn as Much as $1K/Month Doing Simple Online Tasks

Is there such a thing as easy money? If you know your way around the web, there certainly is. 

That’s because data is currency these days, and many companies are willing to pay cash for it — up to$1,000 per month.

Finding these companies can be time-consuming on your own. But a company called Freecash has compiled all sorts of quick cash tasks from about a dozen advertisers and market research companies thirsty for more data. Freecash has paid out over $13 million to users since 2019. 

You can pick and choose your tasks and complete them at your convenience. The coins you earn from each completed task can be converted into things like Visa gift cards, Amazon gift cards, cryptocurrency or cold-hard PayPal cash.

Signing up for a Freecash account is easy and there’s no minimum amount you need to earn before you can cash out. And if you’ve got enough free time on your hands, you can join the ranks of Freecash users making more than $1,000 a month in extra cash.

Sign up here to see how much you could earn.