Everything has changed in the last year, and so have we. We learned some tough lessons. We have adopted some new habits and given up some old ones – especially when it comes to our expenses.
There are things that we just don’t buy anymore. We just don’t see the point – we’ve officially parted with these products.
Here are some things we just don’t buy anymore – and one surprising thing we buy more of.
1. Branded foods
We don’t know about you, but we’ve cooked a lot – like A LOT – and we keep finding that the private label or generic brands taste largely the same as the more expensive branded products. Or at least close enough.
Big brands spend a lot of money getting their products in front of customers, be it through advertising campaigns, partnerships with discount apps, or paying for premium shelf space in grocery stores. Meanwhile, grocery chains are using their cheaper private label brands to target customers who are more interested in price tags than looks.
This is an easy way to save.
2. Expensive phone plans: You could pay as little as $ 5
How long have you been with your current mobile operator? Probably a while, right? Which means you are probably paying way too much.
But we found a discount cellphone company called Tello Mobile That offers plans starting at just $ 5 a month. How much are you paying now I agree. Imagine cutting that down to just $ 5.
Tello recently switched to a nationwide GSM network, which means improved 4G LTE / 5G coverage, faster data speeds and a more stable network. You can choose a WiFi tariff based on the number of minutes and the amount of data you want, and you can even use Tello Coverage tool to see how strong the network you live in is. More than 7,000 customers have given Trustpilot an excellent rating.
Tello is also super flexible. Here you can 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 speech and text, for just $ 56 a month in total. Free hotspot and unlimited texts are included with every plan. In addition, there are no early termination or activation fees, no contracts or exclusive telephone plans and no tricks.
It’s easy to get started and see how much you can save. Tello makes it easy to switch and even keep your phone number. You don’t even have to leave the house – everything can be done online. You can bring your own GSM phone or use it to buy a new one. See how much you could save.
3. Overpriced Auto Insurance: Save up to $ 489 / year
When was the last time you checked car insurance prices? Probably not recently, right?
Don’t feel bad – we have all been there. Ideally, however, you should shop for your options about every six months. It could save you serious money.
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 your options will be displayed.
Insure.com saved an average of $ 489 per year.
Yup. That could be nearly $ 500 back in your pocket for just a few minutes Take a look at your options.
4. Food (without rewards)
Groceries make up a good part of your budget. Everyone has to eat. You can also get some cash back while your groceries are being packed.
A free app called Get rewards You will be rewarded with gift cards, which are only used to purchase essentials like toilet paper and 250+ other items in the grocery store.
Here’s how it works: after you’ve downloaded the app, simply snap a photo of your receipt showing that you purchased an item from one of the brands listed on Fetch. For your efforts, you will receive gift cards for places like Amazon or Walmart.
You can Download the free Fetch Rewards app here to get free gift cards.
Over a million people already have, so they have to be into something.
5. Overpriced online purchases
Wouldn’t it be nice if you received a notification while shopping online and were about to overpay? That’s what it is free service does.
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 if this particular TV is available elsewhere for a cheaper price. If coupon codes are available, they will be automatically applied to your order.
Last year it saved people $ 160 million.
You can get started with just a few clicks Check if you are overpaying online.
6. Credit Card Debt: Stop paying your credit card company
We stopped spending money on credit card debt because it’s the most expensive type of debt you can have, and your credit card company gets rich just by fooling you on high interest rates. But a website called AmOne can help you fight back.
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 be out of debt The much faster. Plus: No credit card payments this month.
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.
7. One thing we buy more of …
We’re buying more investments these days. As you invest, you build wealth, and it is time more of us started.
If you feel like you don’t have enough money to invest, guess what? You really don’t need that much – and you can even get free shares (worth up to $ 200!) If you know where to look.
Whether you have $ 5, $ 100, or $ 800 left, you can get started with an investment Robin Hood.
Yes, you’ve probably heard of Robinhood. Both beginners and professionals love it because it has no commission fees and you can buy and sell stocks for free – with no limits. Plus, it’s super easy to use.
What’s the best? If you Download the app When you top up your account (it doesn’t take more than a few minutes), Robinhood puts some of the free shares into your account. It’s random, however, so stocks can be worth anywhere from $ 2.50 to $ 200 – a nice boost to help you build your investments.
Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He’s absolutely done buying certain things – like those fiery hot dogs with spicy mustard, definitely none of those anymore.
This article originally appeared on www.thepennyhoarder.com