Saying No to These 5 Things Could Put $3,104 Dollars in Your Savings This Year

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Saying yes can feel really good.

You can say yes to a new job, yes to a proposal, yes to more freshly grated parmesan on top of your pasta.

But you know what feels even better sometimes? Saying no.

Saying no is powerful. Saying no is a statement. And saying no can save you a ton of money. Just how much? It depends on how often you can say no to these situations:

1. Say No to Getting Ripped Off By Your Home Insurance Company and Save $690/Year

You’re probably wasting money right now. And it’s probably on something you’d never expect — your homeowners insurance policy.

This isn’t something you actively think about — you just know you’re required to have it.

The problem is, you’re paying too much. Luckily, an insurance company called Smart Financial makes it easy to find out how much you’re overpaying. It finds you cheaper policies and special discounts in minutes.

Homeowners can save hundreds of dollars when they switchhome insurance companies this way.

And just because you’re saving money doesn’t mean you’re skimping on coverage. Smart Financial will make sure you have what you need.

Just answer a few questions about your home to see how much money you’re wasting.

2. Say No to Expensive Car Insurance and Knock Up To $715/Year Off Your Car Insurance in Minutes

When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. 

If it’s been more than six months since your last car insurance quote, you should look again. 

And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year. 

It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.

So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.

3. Say No to Paying Full Price and Save $1,825 This Year

Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?

That’s exactly what this free service  does. It says no for you.

Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.

Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.

Using it’s savings estimate tool, you could save between $365 and $1,825 every single year, depending on how many online purchases you make.

You can get started in just a few clicks to see if you’re overpaying online .

4. Say No to Paying Your Credit Card Company

Your credit card company is getting rich by ripping you off with high interest rates. But a website called Fiona wants to help you say no to those insane interest payments.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online . It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

5. Say No to Low Interest Banking Accounts and Get 16x the Normal Rate

Low interest banking accounts are all too common. You can make just pennies on your money. But with an account from a company called Aspiration, you can finally say no to those measly interest rates — and earn a sign up bonus, too.

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe, plus they give you up to 16x the normal interest rate on your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more extra cash.

This card used to have a huge waiting list, but you’re now eligible to sign up for free.

Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”