Saying yes can feel really good.
You can say yes to a new job, yes to a suggestion, to freshly grated parmesan on your pasta.
But do you know what sometimes feels even better? Say no.
Saying no is powerful. Saying no is a statement. And saying no can save you a tonne of money. How much? It depends on how often you can say no to these situations:
1. Reject expensive auto insurance and save $ 489 / year
When was the last time you checked car insurance prices? Try shopping now and say no to your overpriced auto insurance.
You should shop for your options roughly every six months – this could save you serious money. But let’s be real. It probably isn’t the first thing you think about when you wake up. But it doesn’t have to be.
A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your zip code and age and see your options.
Insure.com saved an average of $ 489 per year.
Yup. That could be $ 500 back in your pocket for just a few minutes Take a look at your options.
2. Decline to pay full price and save $ 1,825 this year
Wouldn’t it be nice if you received a notification when shopping online at Target and were about to overpay?
That’s it free service does. It says no to you.
Just add it to your browser for free. Before you check out, other sites including Walmart, eBay, and others will be checked to see if your item is available for a cheaper price. Plus, you can get coupon codes, set up price drop notifications, and even view the item’s price history.
Let’s say you buy a new TV and assume you’ve found the best price. Here you will get a pop-up window letting you know whether this particular TV is available elsewhere for a cheaper price. If coupon codes are available, they will be automatically applied to your order.
The Savings Estimator tool can save you anywhere from $ 365 to $ 1,825 each year depending on how many online purchases you make.
You can get started with just a few clicks Check if you are overpaying online.
Capital One Shopping will compensate us if you receive the extension through the links provided.
3. Decline payment from your credit card company
Your credit card company gets rich by fooling you on high interest rates. But a website called AmOne want to help you say no to those crazy interest payments.
If you owe your credit card company $ 50,000 or less, AmOne compares you to a low-interest loan that can be used to pay back every single one of your balances.
The advantage? You have to pay an invoice every month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you will no longer have any debt The much faster. Plus: No credit card payments this month.
AmOne keeps your information confidential and secure, which is why after 20 years in business it probably still has an A + rating from the Better Business Bureau.
It takes two minutes to See if you qualify online for up to $ 50,000. You need to give AmOne a real phone number to qualify, but don’t worry – they won’t spam you with phone calls.
4. Reject Low Interest Bank Accounts And Get $ 100
Low interest bank accounts are all too common. You can only make pennies on your money. But with an account with a company called Aspiration, you can finally say no to those paltry interest rates – and earn a sign-up bonus too.
What’s an additional $ 100 and 16x average interest rate sound? Free? Seriously. aspiration Get $ 100 just for opening a new debit card.
Sure, many debit cards offer year-round sign-up bonuses, but often you’ll have to jump through tires with minimum requirements that feel impossible to meet.
But aspiration makes it easy. To earn your $ 100, all you need to do is: Open Your aspiration account and deposit at least $ 10. Then set up and receive three direct deposits of at least $ 500 each from your paycheck or government benefits. That’s it! Then just wait for your check.
Even better? Your debit card gives you up to 10% cashback on your purchases and can earn 16 times the average interest on the money in your account.
Give your Email address hereand link your bank account. And don’t worry. Your money is FDIC insured and under military encryption. This is nerd talk for “that’s perfectly safe”.
5. Say no to the rip-off from your home insurance company and save $ 690 / year
You are probably wasting money right now. And it probably depends on something you never expected – your homeowner insurance.
This is not something you actively think about – you just know that you need it.
The problem is, You pay too much. Fortunately, an insurance company called Policy genius makes it easy to find out how much you are overpaying. You can find cheaper policies and special discounts in minutes.
In fact, it saves users an average of $ 690 per year – or $ 57.50 per month. It will even help you break up with your old insurance company. (You can cancel your policy at any time, and your company should issue you a refund.)
And just because you’re saving money doesn’t mean you’re saving on coverage. Policygenius makes sure you have what you need.
Straight answer a few questions about your home to see how much money you are wasting.
This article originally appeared on www.thepennyhoarder.com