It is easy to overlook recurring, unnecessary bills. Avoid the money mistakes so many people make by ignoring these small amounts month after month.
Take back control of your budget and review your recurring expenses regularly.
Here are the useless bills that you can stop paying right now.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $15 the first year with auto-renewal.
Late fees
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The best way to avoid paying late fees is to set your bills on autopay. If you forget even a single monthly payment, you may be wasting $30 or more — a lot more if you're missing multiple bills.
Do yourself a favor and switch as many bills as possible to automatic withdrawal.
Unused gym memberships
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If you're using your gym membership as a monthly reminder to work out, it's time to change your mind. Cancel your membership and find creative ways to move your body.
You can look up free workouts on YouTube, go for a walk, find a free group fitness class in your community, or start heading to work early to use the gym there.
Streaming services you don't use
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Have you ever signed up for a free trial subscription and completely forgotten about it? If you have any subscriptions for streaming platforms that aren't being actively watched, it's time to cancel.
Also, certain memberships offer free streaming services as a benefit, such as Amazon Prime or Walmart+.
Borrow up to $50k to finally crush your debt
If you have thousands in debt and you’re barely making it paycheck to paycheck, you know how suffocating it is. Debt is always on your mind. It controls your life. And even if you make on-time payments, they’re so expensive that you have nothing left over.
A personal loan could help you get out of this situation and lift your monthly debt burden significantly. You could finally pay off all of your debt at once, get rid of the sky-high interest rates, and slash your debt load to one manageable monthly payment.
AmONE is a marketplace where you can find some of the best personal loans available. They match you with loans up to $50,000 with rates as low as 2.49%. That’s better than most credit cards. And easier than draining your bank account every month. Seeing what you qualify for doesn’t affect your credit score, and if you’re approved, you could get money the next day.
Phone insurance
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New smartphones can cost over $1,000 for the latest models with all the gadgets, bells, and whistles. Phone insurance may seem like a good idea, but it is unnecessary for many people.
If you can afford a replacement, you're probably better off saving the money you would spend on insurance. Phone insurance may also be a benefit for some types of bank accounts, check with your local branch to see if your phone is already covered.
Magazine subscriptions
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Unless you run a dental office, print magazine subscriptions are often a waste of money. Unlike books, you probably won't reread magazines, and they will end up in a pile on your shelf.
Also, many free magazines are available online or through your local library.
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Food delivery
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Food delivery services have become increasingly popular over the last few years, but while getting a hot meal delivered without leaving the couch sounds great, it's also costing you a lot of money. The average user is spending $118 a month on food delivery.
Not only are you paying for food, but you are also paying service fees, delivery fees, and tips. If you spend your money eating out, it's best to pick it up yourself and save on the crazy fees.
Extended warranties
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Extended warranties are often not worth the money you pay for them. A manufacturer's warranty may cover items, so you don't need to pay for double coverage.
Depending on the item's value, replacing it if it breaks may be the most cost-effective option. Otherwise, you can skip the extra coverage and keep the extra cash.
Cable TV
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Cable TV is expensive and outdated, especially with various available streaming services. Even if you find a good deal, it's likely a promotional offer where the cost will skyrocket after the designated period ends.
If you love to watch TV, say sayonara to cable and opt for subscribing to multiple streaming platforms.
Bank fees
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Monthly maintenance fees or overdraft fees that can often be avoided with a simple account switch. If you're paying monthly maintenance or ridiculous overdraft fees at your bank, it's time to switch.
Many banks and credit unions offer free checking accounts. If you can get a service for free elsewhere, you do not need to pay for it.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1 <p>See website for details.</p>
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Loyalty memberships
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Unused memberships like wine clubs or loyalty programs can add up quickly. Whether it's a membership to the carwash or an auto delivery of razorheads, if you aren't using these memberships and getting your money's worth, it's time to cancel and say goodbye.
Meal delivery
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While getting ingredients delivered to your door sounds convenient, you are wasting money if you don't actually make the meals. Meal delivery services cost between $4.99 and $9.99 per serving.
Even if you have the best intentions, if you let the food go bad, it's time to be honest with yourself and stick to your local grocery store.
Bottom line
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Getting rid of unnecessary and unused expenses will free up some cash in your budget and lower your financial stress.
If you are on the fence about whether or not you can live without some of these expenses, give yourself a test period.
You can cancel the bill for 90 days and see if you miss the subscription, product, or service you were paying for.
Lucrative, Flat-Rate Cash Rewards
Wells Fargo Active Cash® Card
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Benefits
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
Drawbacks
- Foreign transaction fee of 3%
- No bonus categories
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Subscribe Today
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