5 Ways Anyone Can Save on Monthly Bills with Little Effort

These Apps Will Negotiate Down Your Bills

Bills, bills, bills. The cycle of life. Since a majority of our paychecks go straight to bills, it’s a huge deal if you can find any way to save on them.

With recurring bills, it can be hard to notice the “bill creep” as well. This means your bill each year can “creep up” in price without you noticing due to automatic payments.

For instance, your internet could rise by $3 a month. Your cable TV? Another $4 a month. You might not even notice and that’s exactly what companies are hoping for.

But you can prevent that from happening.

That’s why we’ve rounded up 5 ways that anyone can apply immediately to start saving on their monthly bills.

1. Free Gift Cards Just for Going Shopping? Yes, please.

Go on your normal grocery shopping trips. Scan your receipt after. Get points towards gift cards. No extra fuss. No digital coupons to pre-select or specific stores to go to.

It’s perfect for the lazy but smart saver.

And it’s called Fetch Rewards, an app where you can scan ANY grocery receipt to get rewards, aka cash.

Scan receipts from supermarkets, neighborhood corner shops, wholesale clubs, drugstores, convenience stores, and even liquor stores. Unlike other apps, you’re not restricted to specific stores. As long as your receipt has any of the thousands of participating products, you’ll earn points to redeem for gift cards.

You can start redeeming points for rewards with as little as 3,000 points ($3). Grab a 2,000 points bonus ($2!) when you enter this referral code: REWARD before you scan your first receipt.

2. Affordable Car Insurance Exists – Here’s How You Could Save $536

Logan Fisher

You’re sharing the same roads with a lot of different people. Distracted people, oblivious people, road-rage people, etc. It’s best to cover yourself with insurance when everyone is operating a giant motor vehicle.

And chances are, you’re probably overpaying on your current insurance premium. I know it’s convenient to stick with the same provider because it’s a hassle to deal with finding another. I definitely get it.

However, you can search for quotes easily on EverQuote. They help match you among dozens of regional agencies and insurance carriers to filter the best matches to save on your car insurance.

It takes less than 4 minutes to fill out the form and you’ll see a list of matches that show online quotes, email, and potential phone quotes.

EverQuote can save drivers up to $536 a year compared to their current insurance premiums. Once you see your list of potential matches, choose the online ones you want or wait for more information via email or phone.

It’s a pretty simple process, so try it out to see how much you could be saving on the road!

Average savings in a month: $44.67
What it could add up to in a year: $536

3. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score you could still get a personal loan for your short-term financial needs.

OppLoans can help.

Submitting an application doesn’t affect your FICO credit score and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. Employed at your current job for at least 3 months
  4. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  5. A traditional bank account in your name that’s been open for at least 90 days
  6. You get your paychecks via direct deposit

Qualified borrowers will be able to borrow up to $4,000 depending on their state.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!

*OppLoans APR ranges from 59%-199% depending on your state of residence (Rates and Terms here). Credit reporting not available for Texas residents.

4. Figure Out Where You’re Wasting Money and Stop With This App

Realistic budgets are hard to make, especially if you’re kind of lazy, to begin with. (No judgment, I am too).

You know you should start, but it just gets put off.

Here’s an easy solution though: Truebill.

Their simple to follow budgeting pulls your historical spending, organizes it, and allows you to clearly see your spending so you can set a target budget with context. (Aka you can see where you’re wasting money on).

It’ll also track budget pacing, which sounds fancy, but it just means you’ll see the percentage of how much you’ve spent so far in each category. Like it’s only the 2nd week of the month, and I’ve already spent 74% of my dining budget? Time to eat out less.

Truebill will also alert you if you’re getting a little too spend-happy in your budgeted categories so you know when to curb it.

It’s simple but actionable budgeting that anyone can follow and it’s free to use!

5. You Gotta Eat! Get Up to $240 Cash Back in Grocery Savings

If you’re following nutrition gurus or meal planners on Instagram, you know that your shopping list gets a little longer with each inspiration. I know mine does.

But I don’t feel too guilty though because my shiny things syndrome and basically everything I buy normally, give me a chance of getting cash back.

It’s simple. All you have to do is take a picture of your grocery receipt and Ibotta will pay you cash.

Here’s how it works:

Before you go to the store, search for your shopping list items in the Ibotta app. After your store visit, take a photo of your receipt to get cash back.

Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses after sign up!

Some offers we found:

  • 25 cents back on any item
  • $3 – $5 back on various wine
  • $2 back on KIND Protein Bars
  • 25 cents – $4 back on ice cream
  • $2 back on Herbal Essence Haircare

Popular stores are Walmart and Target, but Ibotta also works at restaurants, online shopping sites, and at the bar! On average, active Ibotta users save up to $240 a year. What would you do with that extra money?

See Also: Ibotta Review: $526 Million in Cash Back Since 2012