10 Simple Ways To Save On Bills Each Month

10 Simple Ways To Save On Bills Each Month

Paying monthly bills is one of the most dreaded tasks of adulthood. Sometimes it feels like you’re just throwing away your money at utilities, insurance, and other regular monthly charges.

And chances are, you actually are wasting some of your hard earned cash every month. How can you find the places where you’re leaking cash from your budget?

Here are ten simple ways to save on monthly bills that you can get to work on today!

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Check Your Lighting

Though you may already have started to make the move away from classic light bulbs, be sure to take some time to check all of the fixtures in your home. Switch any incandescent bulbs that remain for CFL bulbs and reduce your energy bill. You can find CFL Light Bulbs right here for a great price.

Turn Down the Thermostat

Drop your thermostat by a degree or two in the winter and raise it a little in the summer. It won’t take long to see the savings in your energy bills. Check your hot water heater thermostat as well and see if you can reduce the temperature there for even more savings.

Check Monthly Subscriptions

How many subscription services do you have that you aren’t using? Check over your bills and see what costs you can cut. If you’re subscribed to multiple streaming services, for example, see if you can reduce down to just one.

10 ways to save money on bills #savemoney

Have a website subscription that you aren’t using anymore? Get rid of it!

Combine Insurance Plans

Find out if you can bundle your insurance plans, such as medical, dental, homeowners, life, and auto. Often when you handle multiple insurance products through one company, you are able to reduce the premiums that you pay each month by a percentage.

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  6. 14 Best Paid Survey Sites Of 2018 | Get Paid $500+ A Month From Home
  7. 10 Things You Should Never Buy At The Dollar Store

Take Defensive Driving

With most auto insurance companies, there are discounts available for those who have taken defensive driving courses. In many states, these classes can be taken online for a very low cost, making them even more convenient for consumers.

Select a Higher Deductible

Insurance plans with a higher deductible can bring huge monthly savings for those in good health or who are good drivers. Though you may have more out of pocket expenses in the case of a claim, if you’re unlikely to need to use your plan, a higher deductible can save a lot of money each month.

Ditch the Landline

If you’ve got great cell service and rarely use your landline, let it go and eliminate that bill altogether. At the very least, take a look at any extra services that are included in your phone bill and have those removed to reduce your overall costs.

Regularly Negotiate with Service Companies

Shop around periodically to see if there are better deals with other companies on services that you need and use, such as cable and internet.

If there is a cheaper package available, give your service provider a call and see if they will match the deal or offer you something better.

Shop Smarter with Credit Cards

Use your credit card to make regular purchases and pay bills but pay those bills off each month. You’ll be able to take advantage of rewards and cash back programs but won’t have to deal with paying the interest on your credit cards.

Look for Incentive Savings

See if any of your service providers offer a discount for paperless billing or using automated monthly payment plans. Even small discounts can add up over time and put more money back into your budget.

Though you can’t avoid paying your monthly bills, there are ways of saving money every month. Give some of these tips a try and put more cash back into your pocket for the things you enjoy.

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10 ways to save money each month #savemoney #moneyhacks

10 ways to save money each month #savemoney #moneyhacks

10 Things You Should Never Buy At The Dollar Store

10 Things You Should Never Buy At The Dollar Store

 

Walking into the Dollar Store and exploring all the fun items and great deals is always a lot of fun. There are so many great ways to save money as you wander the aisles. However, among all of the bargains you can find, there are a few things that you should never buy at the Dollar Store.

Shampoo And Conditioner 

Many times the shampoo and conditioner that you find at the Dollar Store are often watered down so the quality of the product isn’t quite up to par. You’re better off buying well-known discount brands at a grocery or drug store. They have been found to carry fake products in the past as well, unfortunately.

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Batteries 

The batteries sold at Dollar Stores are usually not well made and they won’t last as long as brand name batteries purchased elsewhere. Skip them and splurge on the good stuff.

Cooking Utensils 

Often the cooking utensils that you can find at discount stores are made of plastic or an unsafe coated metal.  While this may seem like a steal for items you don’t use often, there are sometimes dangerous chemicals in the plastic and metals that could possibly leach into your food. It’s not worth the savings.

10 things to never buy at the dollar store

Pet Food

Pet food ingredients in dollar store formulations may be low quality and could cause your pets to become sick. Also, it can be difficult to tell if the pet food you are purchasing has been sitting on shelves for an extended period of time.

Extension Cords and Power Strips 

Because of the manufacturing quality of many of the Dollar Store items, electrical products are probably not a safe purchase. Malfunctioning extension cords and power strips can become a fire hazard.

Trash Bags and Plastic Baggies

Trash bags, sandwich bags, and similar products from the Dollar Store are not a great choice due to their quality. They tear easily and closures don’t always work well – just not a great purchase.

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Jewelry 

Most of the jewelry found at discount stores are not well made. It will break easily, discolor quickly, and items made of metal can cause your skin to discolor, as well. Save your money and invest in a couple of better quality, classic jewelry pieces that will go with multiple wardrobe looks. Besides, they don’t have anything nice anyway.

Toys

There have been reports in recent years that lead has been found in some of the toys at Dollar Stores. Also, the toys often break easily, resulting in a choking hazard for little ones. So this is a big one. Just don’t buy that junk!!

Food Items

Expiration dates on the food items at a Dollar Store can be questionable, plus the package sizes are often smaller than in standard stores. Even if you’re able to find brand name, safe foods, you might be spending more for them by volume than in a grocery store.

Makeup and Beauty Products

The ingredients and shelf life on the makeup and beauty products found at the Dollar Store are questionable at best. You run the risk of using toxic compounds on your skin or having reactions to unknown ingredients.

Though there are many things at the Dollar Store that are a great deal, take the time to consider your purchases. Quality and package size, combined with dangerous ingredients could turn those fabulous bargains into a really bad deal.

So just be considerate of the things you buy and stay away from these troubled products!

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10 dollar store items to never buy

10 things to never buy at the dollar store

10 things to never buy at the dollar store

 

Student Loan Debt, How to Pay it off Fast and Easy…

Student Loan Debt, How to Pay it off Fast and Easy…

This post may contain affiliate links at no extra cost to you. Thanks!

Figuring Out How to pay for student loan debt is as difficult and essential a decision as the college you choose,  whether to live off or on campus and what to major in.

You have to come up with thousands of dollars before you can even set foot on campus for orientation and that’s no easy task. Student Loan Debt is definitely the least fun part of the whole process.

Student loans bridge the gap between what you’ve saved, the scholarships you get, The part-time job you have and The amount leftover that you cannot pay yourself.

The advantages to borrowing for school seem limitless. You’ll be able to go to the college you want to go so badly and pick that program you long for. You won’t have to work as much while in school because you’ll have funds readily available if all your expenses are covered by your loans.

Because of this, you’ll be able to study more, work unpaid internships or engage in extra-curricular activities where you can explore several career fields that you normally wouldn’t have had that much time for.

It all sounds great while you’re in school until afterward. Then reality hits and all that Student Loan Debt smacks you in the face. You will likely not get a job right away and things can get tough. You start wishing you had paid for more and not borrowed quite so much.

That’s not to say that student loans are bad though. They have funded many great educations and they’re certainly helpful to those who cannot pay on their own.

The key is to be educated on the very best way to deal with the debt as fast as possible. You have plenty of good options and that’s what I will discuss in this post.

Let’s take a look at what you can do to deal with your debt responsibly~


 MAKE A PLAN AND TAKE STOCK OF YOUR STUDENT LOAN DEBT

It’s normal to want to avoid the reality of the amount you owe; you should, however, have a clear understanding of your student loan debt so you’ll  know how to pay it off. To find the interest rates on your loans and the total principal sums remaining; access your loan servicers’ sites. Also, include your credit card. To know the exact amounts you owe and to whom, get a list of all your debts and total it. After this is done, you can now think of plans to pay it down as fast as possible.

Learn How to pay off student loans quick

TO INCREASE YOUR PAYMENTS CONSIDER PICKING UP EXTRA WORK 

Instead of the normal 40 hours, consider the workweek a 50 to 65 hours week. Working as a freelancer or having a part-time job together with your full-time position will earn you more income that you can use to pay off your Student loan Debt. Use the extra income to pay for your loan debt only.

It sounds pretty rough to work so much right out of school but it’s a good and responsible option. There are other ways to make extra money as well. You can try to earn online by doing paid SurveysBlogging, Selling on eBay and Etsy and using sites like Ebates. You have to think outside of the box and these can create a lot of extra money.

Want to learn about blogging? I have an entire series below that will teach you everything you need to know!

Complete Blogging Tutorial with screenshots of every step. 

The Key To Being  A Successful Blogger { Part 1 }

Deciding on a Niche for your blog { Part 2 }

Different Ways To Make Money as Blogger { Part 3 ) 

How To Drive Traffic To Your Blog { Part 4 }

Blogging And Email Marketing { Part 5 }

WORK FOR AN ORGANIZATION THAT WILL HELP

There are several organizations out there that are tailoring all their offerings to Millennials with student loan debts. Just do some research and you’ll find many that may be able to help.

GIVE UP THAT IDEAL LIVING SITUATION

Get real with the type of place you want while in debt – you don’t need to try to buy your dream home straight out of school.  Sharing an apartment with a friend or staying in your parent’s home for awhile won’t hurt a bit. Forget that one to three-bedroom in the big city and live cheaper as you pay off that debt. Doing this will allow you put more towards your student loan debt and you will be happy you did later.

PUT A HOLD ON YOUR LUXURIES

Go back to your budget and cut out expenses that are not necessary such as eating out, travel, parties, clothes, and cable TV. Evaluate where most of your money is going and how you can cut corners.

Student Loan Refinancing

In the past few years, different private lenders have been offering student loans refinancing. The refinancing rates begin as low as 2.0% for qualified individuals.  You can reduce the costs of your student loan debt; by refinancing the loans at a very low-interest rate. This is SUPER helpful and everyone with student loan debt should go this route. One company called SoFi specializes in this and they have extremely low rates. They are the best and they give out other loans as well so you can work with them again in the future when you are ready for that big beautiful house. You can check out SoFi here. 

Credible is also another option and they are essentially the biggest name in the industry for student loan refinancing. They also have kick ass rates that can’t be beaten. You can take a look at their site here.

You can pick a new term repayment period (term length) when you refinance student’s loan debt. The repayment period ranges from 5 years to 20 years typically but varies by lender. Also, selecting a shorter period will reduce your total cost more. Most lenders don’t charge any origination, pre-payment, or application fees.

REDUCE THE RATES OF YOUR INTEREST

To reduce your interest rates, sign up for automatic payments. Most loan services will cut down your interest rate by 0.25% usually when you do this. It’s not a lot but every little bit helps.

VOLUNTEER YOUR TIME

You could earn rewards or raise funds by volunteering your time; to repay your student loan or possibly to receive eligibility for loan cancellation or forgiveness. E.g. Peace Corps, AmeriCorps, Zerobound, and SponsorChange all offer programs.

LEVERAGE THAT TAX REFUND

It’s very tempting to have your tax fund spent on purchases you have wanted or on a night out, instead, use this to pay off part of your loans. Take that cash and deposit it in the loan debt immediately when you receive it.

 

For most individuals with student loan debt, there are no easy and fast solutions. However, having a positive attitude and creating a plan, will keep you on that journey of becoming free of debt.

I hope your Student Loan debt doesn’t become too painful for you! They’re pretty rough on me but Refinancing has helped. Do you have any suggestions for paying off debt? Comment below and let us know how you did it!

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How to pay off student loans

14 Best Paid Survey Sites Of 2018 | Get Paid $500+ A Month From Home

14 Best Paid Survey Sites Of 2018 | Get Paid $500+ A Month From Home

This post may contain affiliate links at no extra cost to you.

Looking For The Best Paid Survey Sites? Well, Look no further…

Many people want to make extra money online but they have no idea how. There’s a very simple way to make extra income that you have likely heard of in the past but dismissed.

I am talking about taking paid surveys. I know online surveys sounds like a load of bull but they’re not. I know it’s hard to believe, but they are legit, or at least some companies are. It’s hard to decipher which ones are safe to use and which are scams.

But look no further because I review the ones that are safe and popular right here. Ones that I’ve used or thousands of others have used. This list will help you quickly and legitimately get paid extra cash from home.

You really can make money doing this sort of thing in your free time and All of these sites are 100% FREE to join and always pay and pay out on-time.

When I was doing paid surveys I would work with 8-10 companies on this list below and easily make several hundred extra dollars a month, easily, you just need to be consistent.

If you’re looking to make $500 or more you should sign up for every company on the list and then after a month or so continue to work with the ones that send you the highest paying surveys the most.

So let’s get this money making party started. Below are some of the best Online Survey opportunities. The ones I have added will definitely pay you and nothing but the best are listed.

Sign up for all of them to make the most money! Here we go!

14 Best Paid Survey Sites That Will Make You $500/Month Or More

For those of you that want to dive on in and get started, I’ve made a quick list right here of the very best choices online today. If you want to see ALL of the most popular survey sites then keep reading the post.

If you really want to make money with surveys you’ll need to join 5-10 sites at a time. After that, they’ll send the surveys to your inbox and you can work every single day.

Here’s the quick list:

And Here’s a more detailed list with all the great survey panels you can join. To make the most money join all of them.


Survey Junkie

Survey Junkie has a really strong reputation online and they pay quickly. This is my all time favorite paid survey site! There are tons of surveys to choose from and they payout high. Once you really get going surveys payout at $10 to $20 dollars per survey. Really. This is an excellent choice and if you want to make money with surveys it’s a must. Sign up right now! 

American Consumer Opinion

American Consumer Opinion is my favorite online survey company. You are paid for every survey and they have a great reputation. You will definitely earn well with them once you are going strong after a month or so. Sign up here right now. They are truly the best.

Join ACOP!

 

Pinecone Research

Pinecone Research is another must have on the list. This is a very reputable site that pays out very well per survey once you get started. It is one of the biggest, Most popular paid Survey Sites on the web. Sign up here.

Inbox Dollars 

This is a company similar to Swagbucks that offers small easy online tasks and it’s fun! They offer a $5 sign on bonus and they are very reputable. It’s a really good site to make money with. Sign up with Inbox Dollars now. 


Panda Research 

Panda Research has a $3 sign on bonus and multiple ways to make money with their system.

You can:

  • Reading emails
  • Clipping and using coupons
  • Free trial offers
  • Referring friends
  • Take Surveys Of course

You Can Sign Up with Panda Here. 

Cash Crates

Cash Crates is a great little short task site with a $1 sign on bonus. You can earn through surveys, watching videos, shopping online, referring friends, completing free-trial offers and more. They have a good referral program too! This one is a definite must do! Sign up here. 

Quick Rewards

This is another I have used off and on over the years. They come highly recommended and their surveys are fun and uniques. Have a look here. 

Survey Rewardz

Survey Rewardz is another great Paid survey site. You can earn big and they pay out quickly. Sign up here. 


Vindale Research

Vindale Research is another really good one. They have a great online reputation and the payouts for each survey go up the more you participate. Their great and they are a must on your list of paid survey sites. Sign up right here.


Swagbucks

Swagbucks is a really popular site and you can earn gift cards and fun things like that.  I get at least $20 worth of Amazon gift cards from there every single month, and I happen to enjoy this site very much. You can’t go wrong, you gotta check it out and sign up here. 

Survey Voices

Survey Voices is another excellent option that will help you earn quick cash. You can sign up right here.

Online Companie that Give You Cash Back

The companies listed below are not survey companies but they pay you to shop online at all your favorite places. They partner with all the biggest companies { and I mean ALL } and when you shop at that store through them, they get a small bonus. They then go and give the consumer { you } half of the bonus they made. It’s a win-win and you can earn A LOT of money back just shopping through these companies. They have Chrome extensions so you don’t have to go to their sites every time. It’s super simple and you should sign up for all but ESPECIALLY Ebates. Check it out below:

Ebates

I wanted to add Ebates because you can save tons of money with this company but they also have a super awesome Referral program. They will give you a link and if anyone signs up through that link you get $5. It doesn’t even have to be people you know, you can just share on social media and stuff. The more people you refer, the more money they will pay you. This is one of the best programs on the web and Ebates is a great site. No one has to buy anything, they just need to sign up to save money. Pretty cool right? Sign up for a regular account and then go to the referral page. Sign up Here. 

This one is a must.

Ebates Coupons and Cash Back

Shop Smarter

This is a program that will allow you to earn cash back at the places you shop, mainly Target and Walmart. It’s not a Survey company but it falls in line with earning money so I wanted to include it here. It’s a great program and you can really save a lot. There are 1000+ shops included in their program. Sign up here. 

ShopTracker will also pay you to shop on Amazon.com. They track shopping trends and it’s an easy way to make money online. You’ll Get a small gift card right away. Sign Up now. 

Spent Money App

This is an app you download that helps you track what you buy and you get cash back. It’s a bit like Ebates and helps you save even more. This is a really good one to have, even though it’s not a survey company. It still deserves to be mentioned. You can get your app here. 

what niche should you blog about, Three Bird Nest


 A Few Good Tips On Paid Survey Sites

I wanted to add a few things you need to know. First, you always need to be honest because they will ask the same thing many times and if your answers are inconsistent they will boot you off their panels.

Also, in the beginning, they will be trying to figure out a lot of details about you and your life for their survey purposes. You will be given a lot of smaller surveys that during this time.

After You’ve taken about 10 surveys,  you will be given surveys that pay $5+ often. It doesn’t take too long so be patient and answer your questions honestly and you will be able to make good money online with surveys. It does work.

Lastly, there are some sites that are scammers so I highly recommend you stick to the tried/true and tested ones listed above. These are reviewed, reputable companies who pay out survey takers on a monthly basis.


So that’s it! You really can make a good bit of money doing surveys. You can pay several bills a month or use it for activities or gifts. Just try it and see. Enjoy!!


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best paid surveys

best paid surveys

best paid surveys

 

Making money online with paid surveys

Online Jobs You Can Do While In College, and a few Offline Too!

Online Jobs You Can Do While In College, and a few Offline Too!

This post may contain affiliate links that help our Blog stay up and Running. Thanks

College is So expensive. It will suck the life right out of your bank account and wallet.  Many gals I know end up staying in their room eating Ramon noodles and drinking sink water just to survive. It can get pretty ugly.

But there are plenty of ways to make some extra money online { and Off }, that won’t be a huge time suck. Because we all know you need that time to study right? Right!

In this post, I will go over some great ways to make some cash so you can go out on Friday night! Woohooo!

Surveys Online

PineCone Research For Young Adults

PineCone Research is a survey company and they have a division for Young Adults. You take surveys on your phone or laptop and they will pay you. They are a highly respected company that does market research. You will do a lot of smaller surveys at first, but once you show you’re committed they will give you higher paying surveys and it can really add up. Become a member here.

American Consumer Opinion

This is another survey company. They’re great so I had to add them too. If you sign up for both companies you’ll be earning extra money in no time. You can sign up here and they are both free to join by the way.

Make money online in college

Sell Your Stuff Online

This is a great way to make extra money. You can sell on Ebay.com, Amazon, and Bonanza to name a few. Or even Etsy if you’re a crafty lass. You can sell old clothing, electronics or whatever.

You can buy stuff thrift shopping for resale too. Or you can make something to sell. I sell handmade molds out of Amazing Putty on both eBay and Etsy and make a killing. They’re easy to make and people buy them like crazy.
https://www.ebay.com/

You can come up with just about anything and there’s a lot of money to be made doing this. Some make careers out of it and do really well so give it a try if you haven’t already.

Blogging

You knew I would add this right? Blogging is a crazy good way to make money!

It’s a great idea to start one in college and work on it from there. You can make money with a blog in many different ways like with affiliate marketing or sponsored posts.

You can start off slow concentrating on school then slowly grow your audience.

Here’s  a super easy tutorial with screenshots that let you set up a blog in about 30 minutes for 3 or 4 bucks a month. Just remember if you want to make money from your blog you need to buy your own domain { The tutorial shows you how }. Using a site like WordPress.com instead of WordPress.org is unprofessional and will get you nowhere fast.

Here’s some more information on blogging:

The Key To Being  A Successful Blogger { Part 1 }

Deciding on a Niche for your blog { Part 2 }

Different Ways To Make Money as Blogger { Part 3 ) 

How To Drive Traffic To Your Blog { Part 4 }

Blogging And Email Marketing { Part 5 }

Uber Driving

This is technically not done online but it runs through an app and it’s a GREAT way to make money on your own terms in college. This is an excellent company to work for as well. You can work anytime you want and make up to $20-$40. Sounds amazing right?

Now that we went over a few ways to make some extra income let’s talk about a few ways that can really help you save!

Ebates

I bet you have seen the Ebates commercial right? Well, I gotta say that Ebates is Kick Ass! You can save a lot of money if you buy anything online. You just sign up and then you will get a discount at pretty much any store you have ever shopped at. Sometimes the discounts are pretty high! They will then send you a monthly check through PayPal. If you buy stuff online you have to have an account! You can sign up here and they will automatically give you $10 right now. Sign up is free.

College is a very exciting and difficult time and it certainly helps to have a little extra pocket change to throw around. You can do two or three things on the list above and as long as you’re consistent you’ll be earning in no time!

Good luck and enjoy these special years! They go so fast and next thing you know you’ll have 3 kids and you won’t have time to breath.

Can you think of any other ways to earn or save? Let me know in the comments!

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online jobs you can do in college

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