The Penny Hoarder Issues “Urgent” Alert: 4 Companies Are Overcharging You
You’ve done what you can to cut back your spending.
You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense our millennial sarcasm there?)
But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones we’re talking about: rent, utilities, cell phone bill, insurance, groceries…
Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…
1. You’re Overpaying at Amazon
Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or Target and are about to overpay?
That’s exactly what this free service does.
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.
In the last year, this has saved people $160 million.
You can get started in just a few clicks to see if you’re overpaying online.
2. Car Insurance: Cut Your Bill by $610
Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you. Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.
3. Credit Cards: Ask This Company to Help Pay Them Off
No, like… the whole bill. All of it.
While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.
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.
All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.
4. Household Items: Copy This Strategy To Get a $526 Refund
Chances are you do some of your shopping online. Whether it’s pet food from Walmart, toilet paper from Target or even a flight home for Thanksgiving, you’re probably leaving money on the table.
A free browser extension and website called Rakuten has the hookup with just about every online store you shop, which means it can give you a kickback every time you buy.
In fact, since Denver resident Colleen Rice started using Rakuten, it’s sent her checks in the mail totaling $526.44. For doing nothing. Seriously. Rice says she uses Rakuten for things she already has to buy, like rental cars and flights.
It takes less than 60 seconds to download the free extension, create a free Rakuten account and start shopping. All you need is an email address, then you can immediately start shopping your go-to stores through the site.
Plus, if you use Rakuten to earn money back within the first 90 days of signing up, it’ll give you an extra $10 on the first check it sends you. Talk about money for nothing.
*average expenditure $88/mo.