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…
Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…
1. Stop Overpaying at Amazon
Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or 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.
2. Car Insurance: Cut Your Bill by $500
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.
3. Credit Cards: Ask This Company to Help Pay Them Off
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.
Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.
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.
4. Get Up to 40% Cash Back When You Pay For Stuff
Chances are you do some of your shopping online. Whether it’s pet food from Walmart, a new outfit from Macy’s or even a flight home for summer vacation, you’re probably leaving money on the table.
A free website called Rakuten has the hookup with just about every online store you shop, which means it can give you up to 40% cash back every time you buy something.
We spoke to one Penny Hoarder reader, Colleen Rice, who has earned more than $526.44 since she joined Rakuten. For doing nothing. Seriously.
Rice says she uses Rakuten for things she already has to buy, like rental cars and flights.
It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start earning cashback at your go-to stores through the site.
Your cash will be deposited directly into your bank account or via a check in the mail every few months. Talk about money for nothing.
5. Let This Company Cut Your Mortgage Payment
Things have changed since you bought your home. Maybe interest rates are lower right now, or maybe you want to cash out some of the equity you’ve built up since home prices have surged. Either way, you might’ve considered refinancing. But the whole thing can feel overwhelming.
Luckily, a company called loanDepot helps you refinance without all the unnecessary stress.
As one of the biggest non-bank lenders in the U.S., loanDepot combines a digital approach with a traditional in-person customer service — and it could save you big time.
It’s easy to upload all your necessary documents online — basically, they need to know who you are and other qualifying requirements.
Whether you want to refinance your mortgage to lower your monthly payment* or pull cash out of your home’s equity with cash-out refinance, loanDepot makes it easier to check your rate and get approved quickly.
Plus, they’re accredited by the Better Business Bureau with an A+ rating and are the fifth-largest mortgage lender in the country, working with 27,000 clients a month.
It takes just a few minutes to get started and see how much money you could save on your mortgage.
*By refinancing the existing loan, the total finance charges may be higher over the life of the loan.
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