Four Things You May Overpay For (And How To Fix Them) – Frugal Debt Free Life

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Your cell phone bill

For years we were with one of the four major wireless service providers. And our cell phone plan was hundreds of dollars a month. As soon as our contract expired, we left our provider and went to Straight Talk.

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So we switched to StriaghtTalk. I was able to keep my cell phone (a dinosaur from an iPhone 4) and my number. Jason decided to get a new phone but kept his old number.

The transition wasn’t smooth and the customer service is terrible, but our reception has been better than it has been for months and we’re saving a lot of money.

I know programs like Republic offer unlimited conversation and text plans for just $ 10, and Cricket has a talk, text, and 2GB of data for just $ 35 a month. And then there’s Mint, which has plans for just $ 15.

Your smartphone

With the same caveat, you’ve probably overpaid for your actual phone. Personally, I haven’t bought a brand new phone in a decade. I buy refurbished phones. I buy most of them through my service provider, got a few from Amazon or eBay, and personally had ZERO problems.

I hate the idea of ​​funding a phone, even if it just means paying extra on your phone bill to cover the cost. This will sound harsh, but if you have to make monthly payments on a new phone, it means you can’t afford the phone.

Car insurance

I strongly recommend that you have your auto, renter, or homeowner insurance checked regularly. See if you can get the best deal and if you look elsewhere. If you have no entitlements, have a clean driving record, and pay your bill on time, your auto insurance should drop every couple of years. If that didn’t happen, it’s time to look for someone else.

Read more: Save money on insurance costs

Internet

We were able to save $ 25 a month on our internet just by calling and asking. By signing up for auto pay, signing a contract, and buying our modem instead of renting it, we cut our internet bill by $ 25. Ask the right questions.

Your electricity bill

Okay, this won’t work for everyone. However, call your energy service provider and ask two questions. Do you offer after peak hours? Do you offer prepaid billing?

Let’s break that down.

Off-peak times are cheaper because fewer people use energy during this time. I called my utility company and was told that outside of rush hour hours, the hours were between 8:30 a.m. and 2:30 p.m. and 9:30 p.m. and 5:30 a.m.

Outside of rush hour, utilities have to buy less energy so they charge less per kWh, up to 40%.

So running your dishwasher before bed or in the middle of the day will save you a lot of money! Hours in which fewer people use their energy. I called my utility company and was told that outside of rush hour hours, the hours were between 8:30 a.m. and 2:30 p.m. and 9:30 p.m. and 5:30 a.m.

Outside of rush hour, utilities have to buy less energy so they charge less per kWh, up to 40%.

So running your dishwasher before bed or in the middle of the day will save you a lot of money!

Our electricity company also uses a prepaid billing feature called SmartHub. This is based on our daily usage rather than a monthly meter reading (which is often inaccurate). We deposited funds into our SmartHub account at the beginning of the month (it’s an automatic draft). And we are able to track our consumption and see when we are using more or less energy and where we need to adapt.

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