So much of the personal finance advice out there is about how to restrict your lifestyle to save money.
That may work for some, but Ive tried it before and it just made me depressed.
Ivewritten before about how over fixating over frugalitycan actual have the opposite affect on your budget.
With that being said, here are some easy ways to save $4,000/year without cutting back on anything.
The top 10 banks in the US charge anaverage of $7.50/monthfor an account.
You should try switching to an online bank.
They have lower overhead costs and are able to pass those savings along to consumers.
No Interest Til Almost 2027?
Balance Transfer = Credit Card Cheat Code
Yearly Savings: Eliminate the fees and save $90/year.
Have you heard of rebate apps?
Many of the rebates are for things like steak, ground beef, bread and eggs.
Plus, you could shop at your normal grocery store.
Theres no need to run clear across town to save money.
Another way to get rebated for your groceries is to signup to be aNielsen grocery family.
Nielsen will ask you to scan your groceries every week to provide data to their marketers.
Yearly Savings: Get $5/week in grocery rebates and youll save $260/year
3.
Get Your Cell Phone for Free
The average household pays around $102/month in cell phone bills!
Try switching to a free carrier likeFreedomPop.
They offer free talk, text, and 4G data.
There are a couple of caveats thought.
First, customers will have to provide their own Sprint-supported smartphones.
Second, your free usage is comes with a cap.
Yearly Savings: Eliminate your cell phone bill and save $1,224/year.
4. Who Wants Free Internet?
Theres no need to cancel you internet connection to save money.
Yearly Savings: At least $295/year
5.
Shop Til You Drop, But Do it Online for Rebates.
Are you familiar with cash-back shopping sites likeEbates?
Theyll give you a cash rebate if you do your online shopping through their site.
Ebates will thengive you up to 25% cash-backon whatever you purchase!
I use this year round, but its especially helpful at Christmas time.
Its about making small changes that make a huge differences…
Your turn: Would you try any of these ideas?
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Ask one of these companies to help…
