Bills, bills, bills. They never seem to end, do they? They take more and more out of your account each month before you even realize it.
You can't escape them entirely (wouldn't that be great?), but you can stop them from being so darn painful every month. All it takes is ending your loyalty to a few companies you currently use for bills and fees that come every month.
Trust us, they won't miss you. And you definitely won't miss them â€" especially when you realize how much money you've been needlessly throwing away every month.
1. Your Credit Card Bill: Let This Company Pay it Off
If you're reading this, there's a 50% chance you have credit card debt â€" nearly half of U.S. adults do. And if you don't pay it off every month, you're draining your bank account with unnecessary â€" and terribly high â€" interest payments.
And the truth is, your credit card company doesn't really care. It's just getting rich by ripping you off with high interest rates â€" some up to a whopping 36%!
But a website called Payoff could help you pay off that bill as soon as tomorrow.
Here's how it works: Payoff 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.
If your credit score is at least 600, Payoff can help you borrow $5,000 to $40,000 with fixed rates starting at 5.99%.
Payoff 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 a few minutes, and it could save you thousands of dollars â€" and raise your FICO score by up to 40 points. Totally worth it.
All that credit card debt â€" and the anxiety that comes with it â€" could be gone by tomorrow.
(Payoff operates in every U.S. state except Massachusetts, Mississippi, Nebraska and Nevada.)
2. Your Car Insurance Bill: Save $500Â
If you could save $500 a year in less time than it takes to brush your teeth, wouldn't you?
That's exactly what a website called Pretected can help you do.
No matter where you live, what your credit score is or what kind of coverage you need, Pretected's smart matching technology can match you with the right insurance provider â€" and make sure you stop wasting money every month.
It takes just two minutes to answer some questions and Pretected will show you the insurance companies that are the best fit for you. And don't worry â€" Pretected uses the most advanced data security and encryption technology so all your details are safe.
The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. That's a decent chunk of money to put back in your pocket!
More than 10 million Americans have already used Pretected's smart matching technology to find affordable car insurance. Get started here to see how much money you could save.
3. Your Banking Account: Skip the $15 Monthly Fees
The monthly fee your bank is charging you is a huge account-drainer. Especially because some banks charge when you don't have enough money saved. We're the people who need that $15 the most!
If you're just looking for a place to safely stash it away but still earn money, a fancy account isn't necessary. Under your mattress or in a safe will get you nothing. And a typical savings account won't do you much better. (Ahem, 0.06% is nothing these days.)
But a debit card called Aspiration lets you earn up to 5% cash back and up to 16 times the average interest on the money in your account.
Not too shabby!
Enter your email address here to get a free Aspiration Spend and Save account. After you confirm your email, securely link your bank account so they can start helping you get extra cash.
Your money is FDIC insured and they use a military-grade encryption which is nerd talk for 'this is totally safe.'
4. Give Your Family a $1M Without Getting Ripped Off
Have you thought about how your family would manage without your income after you're gone? How they'll pay the bills? Send the kids through school? Now's a good time to start planning for the future by looking into a term life insurance policy.
You're probably thinking: I don't have the time or money for that. But your application can take minutes â€" and you could leave your family up to $1 million with a company called Bestow .
Rates start at just $16 a month. The peace of mind knowing your family is taken care of is priceless.
If you're under the age of 54 and want to get a fast life insurance quote without a medical exam or even getting up from the couch, get a free quote from Bestow .
5. Find Out if You're Overpaying for Homeowners Insurance
If you're a homeowner, you probably have home insurance, but you hardly ever think about it. That's good â€" it means you haven't needed to use it. But it also means you don't know if you're being overcharged for it.
It's easy to find out, though. To see if you're overpaying for your policy, check out  a website called SmartFinancial .It's a digital marketplace where you can get quotes and compare rates to make sure you're getting the best price.
Homeowners can save hundreds of dollars when they switch home insurance companies this way.
It takes just two minutes to get quotes from multiple insurers, so you can see all your options side-by-side. Get started here.
Kari Faber is a staff writer at The Penny Hoarder.Â
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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