Your interest rate can make – or break – your monthly payment. For many of us, buying a car is a necessity. In places where public transit is limited or non-existent, it’s literally the only way to get around. As workers return to the office and find themselves commuting…
Do you find yourself in a constant financial rat race? Never able to get a handle on your bills? Do you want to free up extra money in your budget?
We’ve narrowed down the 5 monthly bills that are ripping you off every month. Lower these bills and you will be on your way to achieving financial freedom!
If you bought your car from a dealership or your credit score has increased over the last year, you are likely paying too much for your car payment. Refinancing allows you to reassess your current financial situation and find into an up-to-date interest rate. Additionally many times, you can shorten or lengthen your loan term, based on your needs and vehicle value. We’ve done the research and the average person saves $89/month by refinancing with rateGenius! RateGenius works with over 150 lenders nationwide to match you with a lender that meets your needs. The process is simple and fast, apply today and save!
If you are a good driver that never has accidents and hasn’t gotten a ticket in ages, it may be time to review your current insurance policy. Shop around to be sure you have a policy that fits your needs. Be sure to ask for higher deductibles if that matches your lifestyle and budget in order to lower premiums. Finding an unbiased solution is often key. RateGenius Insurance Agency works with 20+ carriers nationwide that can find you the best coverage at the lowest price!
With so many options to watch your favorite television shows on demand, is there a need for cable anymore? From Netflix streaming exclusive shows and movies and Hulu with over 9 million worldwide subscribers, cable is becoming a thing of the past. Amazon Prime has also jumped into the new era and now offer your favorite shows available to watch with the touch of a button from your computer or smart TV. Endless options abound in 2016, so why are you still paying $100+/month for cable, when many of your favorite shows can be available to you for around $10 per month?
Reducing electricity costs in your home can seem impossible during the summer, but there are still a few things you can do to lower your bill. Use your appliances in the evening, especially on hot days, to keep your air conditioner from overworking. Also, replacing your air filters ensures your unit is running as smoothly and efficiently as possible. When away from the house, turn off your ceiling fan and when at home use electric fans instead of the air conditioner when possible. Try these no fuss solutions to lower your bill this month!
Still paying for the same coverage you did 5 years ago? Pay attention to your data usage by reviewing your 3 most recent statements. Most companies charge for data instead of talk or text these days, so if you are only using 2GB of data, be sure you aren’t paying for 5GB. Compare service providers to establish the best available rate and decide if prepaid services are best for you. Understand your patterns. If you only use your phone at work or at home, perhaps you do not need to pay for an extensive calling plan. You can also save by not streaming music and videos to your phone when you are able to use a laptop or desktop. Have multiple cell phone users in your family? Consider evaluating family plans to save money!
Now that you know you are paying too much for your monthly bills, how do you plan on making changes? Share your thoughts with us!