6 Ways to Cut Your Most Expensive Bills Without Giving Up Anything
You’ve done what you can to cut back your spending.
You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)
But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones I’m talking about: rent, utilities, cell phone bill, insurance, groceries…
Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…
1. 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 $50,000 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 2.49% 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.
2. Get Paid Up to $83 Every Time You Win Playing Bingo
We all have our go-to time-killers on our phones. But this one actually gives you the chance to win up to $83 every time you play.
It’s a free app called Bingo Cash, and right now, you could octuple your money — as in 8x — when you play. When you add $10 to your account, Bingo Cash will give you a $5 bonus to use toward tournaments, where you could win up to $83.
You’ll compete against other players at your skill level, all using the same board, and the top three players can win real money — anywhere from $1 to $83.
And no, this isn’t one of those spammy apps. There aren’t even any annoying ads. Over on the App Store, it has over a million downloads and over 15,000 ratings, averaging 4.7 stars (out of 5).
Want to see if you could turn your $10 deposit into $83 in winnings? Just download the free app and start playing your first game immediately.
3. Let This Free App Help You Earn $290/Year on Gas, Groceries, and Dining
An app called Upside helps you earn cash back on everyday purchases without any mental math. The app shows you participating local gas stations where you can beat the pump price by as much as 25 cents per gallon.
Plus, you can earn cash back at grocery stores and restaurants including local favorites and national chains like Domino’s, Taco Bell, Five Guys, Popeyes and Applebee’s.
People who use the app regularly earn as much as $290 every year. That’s cash money deposited straight into your PayPal or bank account. Or redeem it for a gift card from popular brands like Amazon and Starbucks.
Here’s how to start earning: Just download the Upside app, set up a free account and check the map to find participating stores near you. When you’re ready, claim an offer, tap “Check In” before you pay with your linked card — easy money for a few seconds of your time.
You can cash out any time, and you’ll get your money within two days of initiating a transfer. Download the Upside app and use code PENNY25 to get an extra 25 cents per gallon off your first purchase.
4. Find Out If You’re Overpaying
Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?
That’s exactly what this free service does.
Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.
Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.
In the last year, this has saved people $160 million.
You can get started in just a few clicks to see if you’re overpaying online.
5. Cut Your Unlimited Phone Bill in Half (without Compromising on Quality)
Smartphones. We all have ‘em, we all need ‘em. But it’s still pretty annoying when a huge chunk of your monthly budget goes straight toward phone bills.
Here’s an idea: a budget-friendly cellular service called Visible offers two plans with unlimited talk, text, data, and hotspot usage on Verizon’s award-winning networks — starting at just $25 a month.
You can choose from the Visible plan for $25 a month, or the Visible+ plan for $45 a month that comes with faster hotspot speeds, an additional smartphone service, and a complimentary Global Pass. No hidden fees and no contract necessary.
Visible carries the latest devices from Apple, Google, Samsung, Motorola, and more. When you switch to a Visible plan, you can use the trade-in value of your phone towards a new one!
Ready to free up some room in your monthly budget? Switch to Visible today and start enjoying your unlimited plan at a fraction of the cost
*Capital One Shopping compensates us when you get the extension using the links provided.
*Bingo Cash and Bubble Cash: Real Money tournaments are not available in the following states: AZ, AR, IA, LA, SC, WA
