Managing monthly expenses can feel burdensome, even for the most budget-conscious individuals. You’ve made efforts to cut back on costs — no more extravagant coffee outings or spontaneous shopping trips. But regardless of how deliberate you are about your spending, those unavoidable bills keep piling up. Think rent, utilities, cell phone charges, insurance payments, and groceries. If you’re looking to lighten that financial load, consider these strategies:

1. Overpriced Insurance: Review Your Auto Coverage

It’s likely that your auto insurance provider is charging you more than necessary, often without you even realizing it. An efficient solution doesn’t have to involve endless searching for lower premiums. A resource like Insurify can help you view several options simultaneously, potentially saving you as much as $996 annually. By sharing some details about yourself and your vehicle, you’ll receive customized quotes that allow for comparison, ensuring you choose the most cost-effective policy.

2. Online Shopping: Utilize a Price Comparison Tool

Have you ever wished you could get notified while shopping online at Amazon if you might be overpaying? There is a free browser extension that does just that. It quickly scans competing sites for better prices before you finalize your purchase. For instance, while buying a smart vacuum, the tool will alert you if it’s cheaper elsewhere and will apply any applicable coupons. This handy service has helped users save $800 million in the past year—worth investing a couple of minutes to implement.

3. Debt Management: Simplify Credit Card Payments

For those grappling with credit card debt, anxiety can be overwhelming. Credit card companies benefit from high-interest rates, which can soar up to 36%. If your debt totals $100,000 or less, AmOne can assist you in finding a lower-interest loan to consolidate your debts into one manageable monthly payment. Their interest rates begin at 6.40% APR, and applying only takes about a minute with minimal information needed. AmOne guarantees confidentiality, making it a solid choice for managing personal finances.

4. Earning Extra Income: Get Paid for Your Feedback

Are you underwhelmed by your current income? Brands are eager for your insights on products and services—and they’re willing to compensate. Consider joining Branded Surveys to earn up to $140 each month simply for sharing your opinions. Completing daily surveys is quick and easy, with cash payouts available through various methods once you reach just $5. The site has successfully compensated users with over $20 million since its inception.

5. Internet Bills: Switch for Savings

The cost of internet service can hardly be avoided. However, Metro by T-Mobile offers an appealing option at $40 a month for fast, 5G internet. You aren’t locked into a long-term contract, and they provide a risk-free trial. Plus, you can receive a month free when you sign up and purchase your equipment at a discounted price. T-Mobile will even help cover any fees with your current provider.

6. Passive Income: Get Paid to Watch Content

It sounds unreal, but signing up for InboxDollars can earn you money by simply watching videos and completing surveys. This platform allows users to potentially make up to $225 a month through various activities. The site benefits from a straightforward cash payout system, having already distributed over $56 million to users. The platform even rewards you with a $5 sign-up bonus to kickstart your earnings journey.

7. Cashback on Everyday Purchases: Don’t Overlook Your Spending

With the cost of living rising, the Upside app can help you earn cash back on common expenses like groceries and gas—averaging about $340 annually for active users. This app identifies local gas stations offering lower prices and provides cashback deals at numerous restaurants and grocery stores. Signing up is free and simple, allowing you to start saving and enjoying cashback rewards quickly.

8. Managing Significant Debt: Explore Settlement Options

Many find themselves in unexpected debt due to inflation and rising costs, often relying on credit cards for basic needs. If you’re facing over $10,000 in unsecured debt, National Debt Relief offers negotiation services that allow you to establish a reasonable payment plan while seeking to settle your accounts. Their expertise has assisted over half a million people in regaining control of their finances, with resolutions typically achieved in 24 to 48 months.

By implementing these strategies, you can begin reducing your financial burdens and regain control over your expenses, paving the way for an improved financial future.