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 we’re talking about: rent, utilities, cell phone bill, insurance, groceries…
So if you’re ready to stop paying them, follow these moves…
1. Car Insurance: Cancel it
Here’s the thing: your current car insurance company is probably overcharging you (up to $610 a YEAR). But don’t waste your time hopping around to different insurance companies looking for a better deal.
Turn to EverQuote, the largest online marketplace for insurance in the US that shows you all of your car insurance options at once. You’ll get the top options from more than 175 different carriers handed right to you.
Find cheaper car insurance in minutes. After you answer some quick questions about yourself and your driving record, you’ll get a free, curated list of car insurance matches so you can choose the best rate.
2. Ask This Website to Help Pay Your Credit Card Bill This Month
No, like… the whole bill. All of it.
While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.
Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.
If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 5.99% and terms from 6 to 144 months.
Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
3. Games: Play Bingo on Your Phone for Real Money — Up to $83 Per Win
Do you play games on your phone just for fun? You should see if you can make money doing it, too.
A free iPhone app called Bingo Cash lets you play for real cash. Every win could pay you up to $83.*
Bingo Cash is based on the classic Bingo format, where you’ll battle it out against other players at your same skill level. Everyone gets the same board and sees the same Bingo balls. The top three players in a game can win real money — anywhere from $1 to $83.
And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments.
Download the free app and start playing your first game immediately. You could win money today!
4. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion
It sounds strange, but brands want to hear your opinion. It helps them make business decisions, so they’re willing to pay you for it — up to $140 a month.
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.
5. Become a Competitive Solitaire Player — Make Up to $83 Per Win
Wait, that’s a thing? Yep. An iPhone app called Solitaire Cash lets you play for real cash — up to $83 every time you win.
It’s the classic Solitaire game you know and love, and you’ll battle it out against other players at your same skill level. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.
And no, there’s no catch. There are no ads, either. You can play for free or pay to play in higher-stakes tournaments. Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).
To get started, just download the free app and start playing your first game immediately.
*Solitaire Cash: Real Money tournaments are not available in the following states: AZ, AR ,IA, IN, LA, ME, MT, SC, WA
*Bingo Cash and Bubble Cash: Real Money tournaments are not available in the following states: AZ, AR, IA, LA, SC, WA