Julia Anderson
Set Up Automatic Payments
Do you find yourself constantly missing payments for monthly bills? If so, that can make your bills even more expensive than they already are via late fees, increased interest, and more. Even worse, it can ruin your credit and make it harder to get loans in the future.
Provided you have enough cash in your accounts each month, set up automatic payments for your credit card debt and other bills. This will let you set it and forget it to avoid missing future payments that cause additional issues that you don’t need.
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Set Up Automatic Savings
Are you spending all of your cash as soon as you get it? That’s fine if that cash is going towards paying bills or reducing debt, but if it’s being spent on impulse purchases you don’t need, here’s an easy way to prevent it: Set up automatic deposits into a savings account. By doing this, you will get a chunk of your paycheck taken out and stashed away for a rainy day so you can sleep better at night and keep costly impulse purchases at bay.
Bundle Insurance
You can snag significant savings on your insurance by bundling it through a single provider. For example, if you bundle your car and home insurance with Allstate, you can enjoy a 25 percent discount and use that saved cash for other expenses.
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Read Your Monthly Bills
When you get your bills each month, do you just look for what’s owed and pay that amount? Doing so can keep you from falling behind on payments, but it could also lead you to overpay. Internet and cable bills are notorious for overcharging due to promotions expiring or increases in service costs. By reading your bills each month, you can ensure you don’t overpay. And if you do find price increases or errors that charge you for something you didn’t order, you can call the company to reduce your bill.
Cut The Cord
Speaking of cable bills, you may want to cut the cord altogether since there are so many low-cost options for home entertainment nowadays. You can replace costly cable and a lineup of channels you mostly don’t watch with a cheap HD antenna to get local channels. Add free streaming services like Tubi, Pluto TV, Vudu, YouTube, and more, and you’ll be good to go.
Eliminate Your Home Phone
Do you have a landline that does nothing but allow telemarketers to interrupt your peace? Then get rid of that landline to save cash and use your cell phone to communicate instead.
Look For Unclaimed Cash
You can get a quick bank account boost by finding unclaimed cash in your name. This government website details several ways to do so.
Switch From Paper To Digital Billing
Late payments can increase your expenses and harm your credit. Many people pay late because paper billing can get lost in the mail, arrive one day before the bill is due, or get overlooked. To avoid this, switch to digital billing, so you always know what’s due and when.
