Saying yes can feel really good.
You can say yes to a new job, yes to a proposal, yes to more freshly grated parmesan on top of your pasta.
But you know what feels even better sometimes? Saying no.
Saying no is powerful. Saying no is a statement. And saying no can save you a ton of money. Just how much? It depends on how often you can say no to these situations:
1. Say No to Expensive Car Insurance and Knock Up To $715/Year Off Your Car Insurance in Minutes
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.
And if you look through a digital marketplace called SmartFinancial, you could be getting rates as low as $22 a month — and saving yourself more than $700 a year.
It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side. Yep — in just one minute you could save yourself $715 this year. That’s some major cash back in your pocket.
So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.
2. Say No to Leaving Your Family a Huge Bill When You Die
You love your family. The last thing you’d want to do is leave them to foot a huge expensive bill after you die. Did you know it can cost $7,000 to $15,000 just to cover funeral costs? And that doesn’t include other final expenses, such as leftover credit card debt or medical bills. Yikes. Your loved ones shouldn’t be stuck paying thousands out of their own pockets to cover outstanding credit card debt, medical bills and memorial services.
If you’re between the ages of 50 and 85, there’s an answer for this: a final expense life insurance policy through a company called EverQuote. And it’s probably cheaper than you think — you can get $10,000 in coverage for as little as $26.08 per month.*
This process used to be a pain. But with EverQuote, you can get started in just a few minutes. They’ll show you all your options at once so you can pick the plan that’s right for you. Final expense policies range from $5,000 to $30,000, and you don’t even need a medical exam.
Click here to get started — then never worry about this again. Your family will thank you.
*Rate is for a 50-year-old non-smoking woman.
3. Say No to Paying Full Price and Save $1,825 This Year
Wouldn’t it be nice if you got an alert when you’re shopping online at Target and are about to overpay?
That’s exactly what this free service does. It says no for you.
Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.
Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.
Using it’s savings estimate tool, you could save between $365 and $1,825 every single year, depending on how many online purchases you make.
You can get started in just a few clicks to see if you’re overpaying online .
4. Say No to Paying Your Credit Card Company
Your credit card company is getting rich by ripping you off with high interest rates. But a website called Fiona wants to help you say no to those insane interest payments.
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.
5. Say No to Low Interest Banking Accounts and Get 16x the Normal Rate
Low interest banking accounts are all too common. You can make just pennies on your money. But with an account from a company called Aspiration, you can finally say no to those measly interest rates — and earn a sign up bonus, too.
Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe, plus they give you up to 16x the normal interest rate on your balance.
Need to buy groceries? Get extra cash.
Need to fill up the tank? Bam. Even more extra cash.
This card used to have a huge waiting list, but you’re now eligible to sign up for free.
Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”