No matter how much you keep track of your expenses, you will still be stuck in the inevitable cycle of monthly bills. Home rent, utilities, mobile phone bill, insurance, groceries ... The Penny Hoarder made a list of services for which Americans usually overpay, and told how to save money.
1. You overpay on Amazon
Wouldn't it be nice if you got a notification every time you overpay while shopping on Amazon or Target?
This is what it does free Capital One Shopping service.
Just add it to your browser for free and it will check the websites where you shop, including Walmart, eBay and others, before placing an order. He will know if your product is available at a lower price on another resource. Plus, you can receive coupon codes, set up price drop alerts, and even view product price history.
2. Car insurance: cut your bill by $ 826.
Most Americans overpay for auto insurance. But there is a free service that can help solve this problem. And it is called Insurify.
In just a few minutes, you'll see if other insurance companies offer a cheaper rate with the same coverage and deductibles you already have. People find policies for as little as $ 29 a month.
All you have to do is answer a few simple questions about yourself and your car. It will take no more than three to four minutes. They will ask you for your contact information, but don't worry. They won't bombard you with calls or text messages, or sell your data to spammers.
3. Credit cards: ask this company to pay the bills on them
If you have credit card debt, it is inconvenient. Anxiety, interest rates, fear that this will never end ... But a site called AmOne wants to help you with this.
If you owe your credit card company $ 50 or less, AmOne will provide you with a low interest loan. Use it to pay off debts on each of your credit cards.
On the subject: Sixteen non-obvious ways to save money this summer
Pros? - You will have to pay one invoice every month at a lower interest rate (AmOne rates start at 3,99% per annum). This way you are much faster get out out of debt.
4. Bank account: stop paying them $ 100 every year
These days, the big traditional banks that dominate the banking industry are making staggering profits from the aggressive fees they charge us.
According to the Bureau of Consumer Financial Protection, the average American currently pays about $ 100 a year in fees. That's why it's worth taking advantage of Aspiration.
It does not charge any overdraft fees and does not require a minimum balance. Plus, it gives you up to 10% cashback and also pays higher interest rates on your savings.
Enter your email address here and link your bank account to see how much extra money you can get with your free account at Aspiration.