4 Easy Ways to Save Money (Without Even Noticing)

If you live within a tight budget, are getting by on one income, or are striving to pay off debt, saving money can feel challenging. It’s essential for you to have an emergency fund, but what if you want some money for fun too?

Here are four easy ways to save money, whatever the reason, without even noticing.

Apps that roll over change from purchases

Acorns, launched in 2014, was the first of these apps to roll over change from purchases. If you make a debit card purchase, it withdrawals the difference from the nearest dollar and invests the money in an investment portfolio in $5 increments. The app charges $1 per month for accounts with less than $5,000. Apps like Acorns are helpful for those who want to save money without noticing; the amounts being invested are small enough you won’t miss the money and the bonus is that you’re saving cash without lifting a finger.

Automatic deposits into savings accounts from checks

Another option to save money is to set a certain amount of your check to go directly to your savings account. A predetermined amount of cash will go to your checking account so you can use the money for bills and as needed, but the rest can go into your savings so you save by default and can contribute toward your financial goals. You never see the money and aren’t used to having it in your bank account, so don’t feel like you’re missing anything.

Coupons that slash your grocery bill

Everyone wants to save money and if you learn how to manage coupons, you can help your friends save money too. Coupons can be tricky to use, but they don’t have to be. Check local papers and check the store ad to see what’s on sale. Don’t want to clip paper coupons or spend time printing them? Redeem digital coupons – no printer needed, simply show the cashier the coupons on your phone. You don’t have to invest tons of time into couponing to save yourself some big cash. You should also look online for places that offer a signup bonus such as an extra 10 percent off for using your store card.  No matter what you are doing or purchasing, there are always ways to save money.

Redirected money

If it’s tax time, take that refund money and put it in a high interest savings account. If your kids are in childcare but soon headed to elementary school, redirect the money you’ve allotted for childcare into a savings account. Take unexpected money, or money that was going to an expense that no longer exists, and invest it instead of using it to make frivolous purchases or splurges on unnecessary things. Remember that it is okay to treat yourself here and there for saving money. While it may seem counter-intuitive, occasionally spending money on something you want will motivate you and keep you on track.

These ways can help you save money every month without negatively impacting your budget. Pick a few ways to implement into your daily life and start building your savings now. You’ll be amazed how quickly the cash will add up without you missing it from your budget, and find yourself wondering why you didn’t start years ago.

Get a $150 Referral Bonus When You Become an Uber Driver

If you’re considering becoming an Uber driver, NOW is the time!

The referral bonus for new Uber drivers has traditionally be lower, at $50 in most cities, but Uber has increased the new driver referral bonus to $150 in many cities! The bonuses vary by city, so it may be more or less in certain cities. Become an Uber Driver

It’s very easy to get started, and there are only a few steps you need to take to get paid your bonus:

  • Sign up here
  • Upload all required documents to their partner dashboard
  • Get vehicle inspected
  • Complete 20 trips (this number varies by city, but should take about 3 hours of Uber driving)

When I signed up, I got paid a $50 Uber referral driver bonus after just the first Saturday night of driving for Uber. It couldn’t be easier to earn the bonus, so sign up now!

The whole process is pretty quick, and if you have any questions about the approval process, leave them below. I’m happy to answer them for you!

So what are you waiting for? Sign up to become an Uber driver here and get your $150 bonus now!

Uber Sign Up Bonus

Should You Finance High Medical and Dental Bills?

Should You Finance High Medical and Dental Bills?

Everyone has occasional sky-high medical or dental bills, many of which they did not anticipate. Some may be due to a newly-diagnosed health condition or an accident. Whatever the reason, when presented with a service estimate of hundreds or thousands of dollars, the question arises as to whether the service should be performed with the expectation that the patient will finance high bills over a period of months or years.

Since Americans are expected to carry some type of health care coverage or be penalized without it, most people have a certain amount of coverage. But many insurance plans do not cover all costs, and some cover very little of the actual expenses. If you are diagnosed with a serious illness or recommended to have a dental implant to replace missing teeth, or any health service that will cost thousands of dollars, should you take out a loan or charge the fee on a credit card? Here are a few points to consider.

Get a Second Opinion

For any serious medical or dental diagnosis that requires treatment, it is often a good idea to get a second professional opinion. Sometimes the recommended treatment can be delayed or reduced, depending on the patient’s condition or symptoms, to avoid the necessity of paying the entire fee up front or at the time of service. For example, if you need to have two wisdom teeth pulled and will have to pay $1,000 out of pocket, a second opinion might point out if the teeth aren’t bothering you at the moment, you can wait a few months and save some money toward the cost before having the teeth removed, which will reduce financing costs. Always ask the medical or dental expert if lower-cost options are available that will not compromise your quality of health care.

Negotiate For A Discount

As with other types of financial transactions, medical and dental services can often be negotiated. We’re all familiar with generic brands of drugs that are cheaper than brand names. Similar savings may be available with surgery facilities and rehab programs so that you receive the same level of care by driving a few miles more each way than paying a higher price for a closer facility, for example. Many medical providers will reduce their fee to accept only what insurers provide, so patients don’t have to pay anything out of pocket. Ask your doctor or dentist about optional services to see if anything less expensive is available and just as good.

Ask About Paying It Off Over Time

Before financing a huge medical bill, ask if the provider will accept monthly payments. For example, if you are carrying a $250 balance from several office visits after a bout of pneumonia, instead of taking out a loan for $250 and paying interest until the balance is paid in full, ask if the billing office will accept monthly $25 payments instead. Chances are they will, and you won’t have to pay interest.

Research Low-Interest Credit Options

If you are in a position where you have no other option but to take out a loan for a large medical or dental fee, for example, for a child’s orthodontic braces or adult Lasik surgery that may cost several thousand dollars, shop around for low-interest or no-interest finance plans. Some medical providers will direct you to medical finance agencies that specifically make loans to cover health care expenses. However, check with your local bank or consider low-interest credit card offers to get the best rate on a long-term loan.

Medical bills don’t have to break the bank, but they should be managed prudently to cut costs. Take time to explore all available options when making your payment plan with a doctor or dentist billing office.

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