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15 Painless Methods You Can Lower Prices in 2021


Dragana Gordic /

A decision to save money doesn’t have to be life changing or even involve sacrifice.

It’s surprising how much money you can save simply by paying attention to how your money is being spent. People routinely buy things they don’t really need or maybe even want. It’s about being clear about where your money is going.

Here are some easy ways to save money this year.

1. Stop paying for recorded music

Businessman listening to music on his smartphonePathdoc /

The internet has made it easy for you to listen to music from your favorite artists whenever you want without spending a dime.

The music streaming services Pandora and Spotify offer both paid and free subscriptions. If you are a member of Amazon Prime, you already have free access to 2 million songs.

2. Read books on mobile devices

stickasa /

Instead of buying traditional books or investing in an e-reader, buy e-books and read them on your existing mobile device or computer. You can find out how to do this in “This trick allows you to read e-books without an e-reader.”

E-books tend to be cheaper than the printed version, and you don’t have to thin out your hard-copy collection as often.

Another great option for e-books: your public library.

3. Increase your car insurance deductible

moving vehicleGoran Bogicevic /

Car insurance pricing is all about risk. A higher deductible means you are taking a higher risk upfront so you are likely to pay fewer premiums.

If you have an accident after increasing your deductible, you will have to pay more of your car repair costs. However, if you make it through the year without an accident, that’s pure savings.

In “Getting the Best Car Insurance Deal” possible, Money Talks News founder Stacy Johnson describes increasing your deductible as “the easiest and fastest way to save on car insurance.”

4. Use reward credit cards /

As long as you pay monthly credit card bills on time, using credit cards for daily purchases is no problem. Some cards offer cashback rewards of 3% or more on items such as groceries and gasoline. This can translate into real savings over time.

One way to find a credit card that best suits your lifestyle and needs is to stop by the Money Talks News Solutions Center and use our credit card search tool.

5. Ask about senior discounts

pensionerMonkey Business Images /

When you are in your golden years, you can often save money on purchases simply by asking about senior discounts that many companies offer.

You can find examples under “11 Senior discounts for people aged 55 and over”.

6. Conquer impulse buying

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Many purchases are made spontaneously. You see something you want in a store and get an urge to buy it, especially when it’s for sale. The problem is that once the pulse has faded, you may find that you really didn’t need the item.

For help in combating impulse buying, see “11 Tips and Tricks to Save You From Overspending”.

7. Improve your credit score

Credit monitoringREDPIXEL.PL /

Your creditworthiness reflects how well you handle money. As your credit improves, it can lower the amount of interest you pay on loans and credit cards. It could even reduce your car insurance premium.

If you need outside help getting out of debt or getting your credit back on, visit Money Talks News’ Solutions Center which can help you find a reputable credit advisor or credit recovery expert.

8. Reach for a sweater instead of the thermostat

Young woman in cozy sweater, indoors.Dean Drobot /

Put on a sweater instead of turning on the heater every time you feel cold. Even if you have to turn on the heater, wearing a jacket or sweater on cold days will use less energy and reduce your fuel bills.

You can find more energy-saving ideas under “22 mistakes that drive up energy costs”.

9. Close your self-storage unit

Sean Locke Photography /

Self-storage can be helpful when you temporarily don’t have enough space to store all of your belongings. Just make sure you don’t keep any items you no longer need.

If you’re paying hundreds of dollars a month for storage and can’t remember what you put there, you have a problem. Close the device and pocket the money. Or at least look at “Got Too Much Stuff? 10 ways to cut the cost of self-storage. “

10. Use coupons when shopping

Woman with voucherCREATISTA /

Coupon clippers have a huge advantage over buyers who walk into the store without arming themselves with this cost-saving weapon.

You can sort the coupons that are sent to your home or go online to find them, as described in “7 Places to Find Free Manufacturer Coupons Online”.

11. Get rid of your landline connection

Dean Drobot /

You can save money if you are willing to give up your landline phone and just use your mobile phone. If you have a cell phone, chances are that you rarely use your landline. If so, why keep paying for the landline?

You can find help in finding the right cell phone or WLAN tariff in the wireless search tool from Money Talks News.

12. Set up an automatic savings plan

A woman signs up for a savings account /

It’s easier to save when you’ve got money automatically withdrawn from your paycheck or transferred from your checking account to an investment account. And once you get used to having money withdrawn from your paycheck or checking account, you may not even notice the difference.

Just make sure you choose an amount to save that you don’t have enough money to take care of the expenses.

13. Get a roommate

Marcel Mooij /

Whether you own your home or your rent, having a roommate can cut the monthly cost of living significantly. We often think of having a roommate like people do when they’re in college or just starting out as adults. In reality, it can make sense to split the expenses at each stage of life.

14. Don’t buy a brand new car

Vladyslav Starozhylov /

While having a shiny and new car is great, being the first owner of a car is an expensive proposition. That’s because cars tend to lose value quickly.

Instead, consider buying a lightly used car after someone else takes over the depreciation.

15. Pay attention to the price per unit when shopping

Man shopping in the grocery store.Robert Kneschke /

It’s easy to be excited when the foods you like hit stores, but the real way to get a bargain is to look at the unit price, which is usually listed on the shelves. Sometimes sales items are more expensive than products that are sold at regular prices. So don’t fall for the hype.

Disclosure: The information you read here is always objective. However, sometimes we get compensation for clicking links in our stories.

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