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If you’re anything like me, you love the thrill of a good deal and the satisfaction of saving a few bucks. That’s why I’m here … Read More I’m a Frugal Shopper: Always Buy These 7 Items at Dollar Tree

My cell phone bill is one of the larger utility bills I pay. I use cheaper cable TV alternatives and now pay just $12 monthly to watch TV. With four teenagers in the house, I assumed I was stuck paying a giant cell phone bill. However, I found a way to cut costs. I’ve compiled the following list of 10 ways to lower your cell phone bill. You can try one, two, or more of these money-saving ideas. The best part is that most options won’t affect your cell phone services. Table of Contents1. Switch CarriersMint MobileVisibleTello Mobile2. Get on the Right Plan3. Skip the Phone Upgrade4. Sign up For Autopay5. Reassess Your Cell Phone Insurance Plan6. Join a Family Plan7. Use Wifi When Available8. Ask for a Better Deal9. Join a Bill Trimming Service10. Go Minimalist FAQsFinal Thoughts 1. Switch Carriers Switching mobile carriers doesn’t always mean lower-quality cell service. In fact, some discount mobile carriers are owned by the largest carriers: T-Mobile and Verizon. In addition, most discount mobile carriers use big-name networks to connect anyway. Here are three discount mobile carriers that may be able to save you money. Mint Mobile Mint Mobile has been offering discount cell phone plans since 2015 and was acquired by T-Mobile in 2023.  The carrier offers four different plans:  5GB of data for $15 per month 15GB of data for $20 per month 20GB of data for $25 per month Unlimited data for $30 per month Mint Mobile also offers family plans for even deeper discounts. For more information, check out our Mint Mobile review. Get Started with Mint Mobile Visible Visible is a discount cell phone carrier that is owned by Verizon. This carrier has just two affordable plans: Unlimited talk, text, 5G/4G LTE, and hotspot for $25 per month Unlimited talk, text, 5G Ultra, and hotspot for $45 per month Learn more in our full Visible review. Get Started with Visible Tello Mobile Tello Mobile is an independent discount carrier operating on the T-Mobile network. The carrier offers a “build your own” phone plan system with as little as 0 GB of monthly data. For instance, you can get a talk-only plan with no data and no text minutes for just $5 per month. Or you can get unlimited data and unlimited talk and text for just $25 per month. Get Started with Tello 2. Get on the Right Plan If you’re not interested in switching to a different service provider, you may be able to save money on your phone bill by ensuring you have the right plan for your usage. Start by reviewing your monthly phone bill. How much data are you using? Do you regularly exceed your data limits? Or is your data usage significantly less than what your plan allows for? Check to see if your carrier offers a more suitable plan for your usage. If so, contact them and make

Nobody likes paying taxes. But being rewarded for your tax payments can certainly ease the bitterness. While many avoid paying … Read more

Here are the top places to put your cash. After years of falling rates, interest on savings have been moving up. That’s largely due to the Bank of England base interest rate increasing to 5.25% – though we’re starting to see some rates start to fall back a little, and that could be set to […] The post The best savings accounts (March 2024) appeared first on Be Clever With Your Cash.

Building an Emergency Fund Creating a budget is great but the reality is that life throws curveballs. That’s where an emergency fund comes into play. From unexpected medical bills to car repairs, emergencies can derail your budget and leave you scrambling. That’s unless you’ve already spent time building an emergency fund – a financial safety net that catches you when things get rough. Why You Need to Start Building an Emergency Fund Peace of mind: […]

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Financial obligations can be overwhelming, and taxes often feel like the Minotaur – unavoidable yet voracious. But we want you to know there are secret passageways deep within the tax code labyrinth that offer ways of legally saving on taxes – potentially keeping more of your own money in your wallet. Yes, even among all the intimidating jargon and deadlines lurk opportunities for tax-free payments, which could significantly improve your financial picture. 1) Understanding Tax-Free […]

This post was originally published on March 11th, 2019. It has been updated to reflect changes in the tax prep checklist of items you need to collect to file your taxes as a business owner, freelancer, contractor, or 1099 worker. When you work for yourself, taxes can be a bit more complicated. Fortunately, if you have all the correct information at your fingertips, it makes filling out those forms a lot easier. If you take […]

Navigating the intricate landscape of tax laws and regulations involves understanding key legal concepts, including the statute of limitations on tax evasion and tax fraud. These statutes delineate the maximum timeframe within which legal proceedings can be initiated against individuals or entities suspected of tax-related offenses. In this comprehensive guide, we’ll explore the distinctions between […] The post The Statute Of Limitations On Tax Evasion & Tax Fraud appeared first on CuraDebt.

Effective financial planning becomes more crucial than ever during times of economic uncertainty. A recession can bring various challenges, including job losses, decreased income, and financial instability. However, with careful planning and strategic management, individuals can navigate these turbulent waters and emerge with their financial well-being intact. In this article, we’ll explore the significance of effective planning in managing money during a recession. Understanding the Importance of Planning Recession can be a troublesome period. The […]

Introduction Insulation is a silent hero in the realm of home comfort and energy efficiency, shielding residences from harsh weather while conserving precious energy resources. As homeowners increasingly seek ways to enhance comfort and sustainability, the importance of effective insulation solutions becomes ever more apparent. This guide explores simple yet ingenious innovations that promise to keep dwellings warm while significantly reducing energy consumption. From using materials for windows thermal insulation or how to insulate windows to uncovering cost-effective and eco-friendly options, discover how these innovations can transform your home into a cozy haven while contributing to a greener future. The Basics of Home Insulation: A Primer Insulation serves as the backbone of a comfortable and energy-efficient home. Understanding the basics of home insulation is crucial for homeowners looking to improve comfort levels, reduce energy bills, and contribute to environmental sustainability. Thermal Resistance (R-Value): Thermal resistance, often referred to as the R-value, measures the insulation material’s ability to resist heat flow. The higher the R-value, the greater the insulation’s effectiveness. Different regions and climates require different R-values to achieve optimal energy efficiency. Understanding your climate zone and corresponding recommended R-values is essential when selecting insulation materials for your home. Types of Insulation Materials: Various insulation materials have unique properties and applications. Common types include fiberglass, cellulose, spray foam, and rigid foam.  Areas of Application: Insulation can be installed in various areas of the home to improve energy efficiency and comfort: Attic: Insulating the attic is one of the most effective ways to prevent heat loss in the winter and heat gain in the summer. Walls: Insulating exterior walls reduces heat transfer and improves overall energy efficiency. Floors: Insulating crawl spaces, basements, or floors above unconditioned spaces helps maintain consistent indoor temperatures. Doors and windows insulation: Weather stripping and caulking around windows and doors complement insulation efforts by sealing air leaks. Installation Considerations: Proper installation is crucial for maximizing the effectiveness of insulation. It’s essential to follow manufacturer guidelines and local building codes to ensure safety and efficiency. Hiring a professional installer or consulting with experts can help homeowners navigate the complexities of insulation installation. Maintenance and Upkeep: Regular maintenance ensures long-term performance and durability. Inspect insulation for signs of damage, moisture intrusion, or pest infestation, and address any issues promptly to prevent energy loss and structural damage. How Insulation Impacts Efficiency During winter, insulation traps heat indoors, keeping the warmth generated by heating systems from escaping through walls, ceilings, and floors. Conversely, in summer months, insulation helps keep indoor spaces cool by blocking heat infiltration from outside. This thermal resistance reduces the need for excessive heating or cooling, resulting in significant energy savings and lower utility bills. Beyond temperature regulation, insulation also plays a crucial role in maintaining consistent comfort levels throughout the home. By minimizing drafts, hot spots, and cold zones, insulation creates a more comfortable living environment year-round. Moreover, the energy efficiency achieved through proper insulation extends beyond personal comfort—it

Last Updated on March 27, 2024 by Chris Panteli Loud Budgeting “Loud budgeting” is among the latest viral finance trends on TikTok, aimed at helping users become more vocal about their saving goals. A recent Empower survey found over 60% of people in the U.S. are still not discussing money with their family and friends despite believing “open conversations about money are the key to financial freedom.” “Money has often been a topic people shy […]

The post Bask Bank Interest Savings Account Review 2024 appeared first on Millennial Money. Bask Bank is an online-only FDIC-insured bank and has been around since 1999 with the backing of Texas Capital Bank. The Bask Bank Interest Savings account is unique because it pays a high APY and has no minimum balance requirements, making it a great account to help you save for those challenging financial goals. This Bask Bank Savings Account review will […]

Save, invest, prosper with My Own Advisor. Smart ways to manage your tax refund Passionate and engaged DIY investors are likely already aware but Canadians can begin filing their income tax returns as of last month, with more changes for the 2024 tax filing season. Most Canadians are also aware they must file their tax return by April 30, which is also… Join the million dollar portfolio journey. The article Smart ways to manage your […]