Monthly Bills - It can be frustrating seeing the price of your monthly bills, like your internet, increase every year. While you can always call the company yourself to negotiate the bill, we understand not everyone has the time or stomach for this. That’s where a company like Billcutterz comes in! You can send them any bill you have (cell phone, internet, cable/satellite TV, landline telephone, alarm & security, satellite radio, etc.) and they do the negotiating for you! If they are not able to negotiate any savings for you, the service is totally free. But if they are able to lower your bill, you split the savings with them 50/50.

Insurance Bills - Marble is your trusted guide to all things insurance. When you create your free account, Marble consolidates, monitors, and optimizes your insurance policies, saving you time and money. Just link your existing auto, home, renters, pet, and/or life policies to your account (it only takes a few minutes!) to get access to all your coverage information in one secure digital account. Plus, you’ll earn Marble rewards just for having insurance, which you can cash out in the form of gift cards. Best of all, Marble will regularly shop for you and alert you if they find savings, without you having to do a thing. Put your insurance on autopilot when you create your free Marble account.

Auto Loan Refinancing - If your monthly car loan payment and/or interest rate is high, look into refinancing your car loan to save money! With Caribou, you can get prequalified without a hard credit check and without using your social security number. We love that the application is 100% online and that Caribou works with a network of lenders to show you multiple offers so you can find the best one. On the downside, they do charge a $399 to $499 processing fee that may be passed onto you as the borrower so make sure to read the fine print when you compare your offers.

Federal Student Loans Repayment - Are you scared and confused about your federal student loan options? Savi is a company that helps student loan borrowers understand and tackle their debt. They connect borrowers with information about the best repayment plans for them as well as identify opportunities to lower payments, obtain loan forgiveness, and reach student loan freedom. We love that anyone can sign up for a DIY Savi membership, link your student loans, and see all your repayment options, absolutely for free. If you need more support and want help with the paperwork required for Public Service Loan Forgiveness and Income Driven Repayment plan enrollment, you can upgrade to a paid membership.

Health Savings Account (otherwise known as an “HSA”) - this is one of the best ways to help you save and pay for medical expenses. You have to be on a health insurance plan that is HSA eligible to be able to make contributions to an HSA. You can sometimes open an HSA through your employer if they offer this option. However, even if your employer does not offer an HSA, as long as you are on an HSA eligible health insurance plan, you can open your own! We like Lively’s HSA because of how clear they are about the fees they charge. There are no monthly maintenance fees, account opening or closing fees, or minimum balance fees. There is a fee charged if you choose to use some of the optional investing features.

Meal Delivery Kits - If you want to cut back on eating out and ordering delivery or takeout, try using a meal delivery service to save money. Most offer introductory pricing and can be set to as low as one to two meals per week. You may also be able to customize the meals to vegetarian, low carbs, or hearty meals. Some offer all the ingredients and a recipe to follow, which can help you increase your confidence in the kitchen and cut back on food waste. Others involve minimal cooking as the food is already fully prepared so make sure to pick the one that fits your lifestyle! Here are some of our favorite meal delivery kits. 

Helping Your Kids Save - Step is a financial platform app to help your kids start to save, spend, invest, and build credit. There are no monthly, overdraft, minimum, or account maintenance fees. Kids get a Step Visa card, which is a credit card secured against their account so they can never spend more than what is in their accounts. Parents control the accounts for younger kids (ages 6 and older) but once you feel your teenager is ready, you can upgrade to a sponsored account where the teen can manage the account themselves. Don’t worry - parents can still see balances and activity, add money, and manage or freeze the card!

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.