You've done what you can to cut back your spending.
You brew coffee at home, you don't walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)
But no matter how cognizant you are of your spending habits, you're still stuck with those inescapable monthly bills. You know which ones we're talking about: rent, utilities, cell phone bill, insurance, groceries…
So if you're ready to stop paying them, follow these moves…
1. Cancel Your Car Insurance
When was the last time you compared car insurance rates? Chances are you're seriously overpaying with your current policy.
If it's been more than six months since your last car insurance quote, you should look again.
Here's the thing: your current car insurance company is probably overcharging you. But don't waste your time hopping around to different insurance companies looking for a better deal.
Use a website called EverQuote to see all your options at once.
EverQuote is the largest online marketplace for insurance in the US, so you'll get the top options from more than 175 different carriers handed right to you.
Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.
If it's been more than six months since your last car insurance quote, you should look again.
2. Ask This Company to Help Pay Off Your Credit Cards
No, like… the whole bill. All of it.
While you're stressing out over your debt, your credit card company is getting rich off those insane interest rates. But a website called Fiona could help you pay off that bill as soon as tomorrow.
Here's how it works: Fiona 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.
Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49%.
Fiona 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 two minutes, and it could save you thousands of dollars. Totally worth it.
All that credit card debt â€" and the anxiety that comes with it â€" could be gone by tomorrow.
3. Get Rid of Your Current Car Payment
Every month, your car payment takes a big bite out of your bank account. The average payment these days is more than $600 a month for new cars, $400 a month for used cars.
What if you could lower your monthly payment by $150 or so? A company called ReFiJet will refinance your auto loan to help you save money â€" and as a bonus, you won't have to pay for the first two months. It can lower your monthly payment and potentially save you thousands of dollars by the time you pay off your loan.
ReFiJet will show you multiple auto loans that you're pre-qualified for, along with rate and payment estimates. You can see for yourself how much you could save. This is done with a soft credit check that won't affect your credit.
ReFiJet says it saves customers an average of $150 a month â€" which really adds up. It costs you absolutely nothing to find out if you have better options.
4. 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.
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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