5 Ways to Cut Your Most Expensive Bills Without Giving Up Anything

by Carson Kohler Staff Writer at penny hoarder
​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?)
​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. You’re 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 a free service called Wikibuy 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. Cancel Your Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?
A company called Everquote will do it for you for free. It gets people an average of $610 back in their bank accounts a year — and you’ll get the same coverage you already have.

It doesn’t matter when you last renewed; you can get a check from your old company for the time left on your previous policy. (Read: They probably owe you money.)

You don’t have to make any calls or fill out any forms. It takes two minutes to see how much Everquote can put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.

3. Cut Your Cell Phone Bill to as Little as $5 
When you’re trying to save money, every dollar counts. If you’re looking for bills to cut back on, we suggest looking at your cell phone provider.

How long have you been with your current company? Probably a while, right? Which means you’re probably paying way too much. 
But we found a discount wireless company called Tello Mobile that offers plans starting at just $5 a month. How much are you paying now? Exactly. Imagine cutting that to just $5. 

Tello recently switched to a nationwide GSM network, which means improved 4G LTE/5G coverage, faster data speed and a more stable network. It lets you choose a wireless plan based on how many minutes and how much data you want, and you can even use Tello’s coverage tool to see how strong its network is where you live. More than 7,000 customers have given it an excellent rating on Trustpilot.

Plus, Tello is super flexible. It lets you choose the plan that makes sense for you. Plans are priced based on how much data and how many minutes you want. For example, a family of four can get 2GB of data each, plus unlimited talk and text for just $56 a month total. Free hotspot and unlimited texts are included in every plan. Plus, there are no early termination or activation fees, no contracts or phone-exclusive plans and no tricks of any kind. 

It’s easy to get started and see how much you could save. Tello makes it simple to switch and even keep your phone number. No need to even leave the house — you can do everything online. You can bring your own GSM phone or buy a new one through them. See how much you could save. 

4. Give Your Family a $1M Without Getting Ripped Off
Have you thought about how your family would manage without your income after you’re gone? How they’ll pay the bills? Send the kids through school? Now’s a good time to start planning for the future by looking into a term life insurance policy.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and you could leave your family up to $1 million with a company called Bestow.

Rates start at just $16 a month. The peace of mind knowing your family is taken care of is priceless.
If you’re under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow.

5. Find Out if You’re Overpaying for Homeowners Insurance
If you’re a homeowner, you probably have home insurance, but you hardly ever think about it. That’s good — it means you haven’t needed to use it. But it also means you don’t know if you’re being overcharged for it.
It’s easy to find out, though. To see if you’re overpaying for your policy, check out  a website called SmartFinancial. It’s a digital marketplace where you can get quotes and compare rates to make sure you’re getting the best price. Homeowners can save hundreds of dollars when they switch home insurance companies this way.

It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.

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