You brew your own coffee, you avoid wandering into Target, and you refuse to spring for avocado toast. (Yes, that millennial sarcasm is intentional.)
Still, no matter how careful you are with your habits, there are those unavoidable monthly obligations. You know the list: rent, utilities, your phone bill, insurance, groceries…
If you’re ready to stop overpaying on some of them, try these strategies…
1. Shop Around and Switch Your Car Insurance
When did you last compare car insurance rates? Odds are you’re paying far more than necessary on your current policy.
If it’s been over six months since you last checked, it’s time to look again.
Here’s the reality: your present insurer is likely charging you too much. But instead of jumping from company to company hunting for better prices, use a single tool that does the legwork for you.
Try EverQuote to view all your possibilities in one place.
EverQuote is the biggest online insurance marketplace in the U.S., so it pulls top offers from more than 175 carriers and delivers them to you.
Spend a few minutes answering questions about yourself and your driving history. With that input, EverQuote will recommend the best car insurance options for you. In just a short time, you could shave up to $610 off your annual premiums.
Again: if it’s been over six months since your last car insurance quote, revisit your options.
2. Get Help Consolidating and Paying Off Credit Card Debt
Yes — we mean the entire balance. All of it.
While you’re stressed about outstanding balances, credit card companies are profiting from steep interest rates. But a platform called MoneyLion might help you eliminate that bill as soon as tomorrow.
Here’s the mechanism: MoneyLion can pair you with a lower-interest loan you can use to pay off all your credit card balances. The upside? You’ll have only one monthly payment, and because the rate will likely be much lower, you’ll pay off debt faster. Plus, you won’t owe any credit card payment this month.
They can help you borrow up to $100,000 (no collateral required) with fixed rates starting around 5.20%.
No need to stand in line or phone a bank. And if you’re worried about eligibility, it’s free to check online. It takes just a couple of minutes and could save you thousands. Totally worth it.
All that credit card debt — and the stress it brings — could be eliminated by tomorrow.
