Look outstanding while spending less money

If you love clothing and shopping then you must be aware that it can be quite costly sometimes. Either you are fond of being up to date with latest trends or pretty much obsessed with discount sales or have a mysterious craze of shoes then you must know that shopping is a very expensive business. Almost every one of us is looking for different ways and ideas to cut this cost down without compromising on our shopping habits as far as possible. Fortunately we have pooled together all of our best tips to help you to save money on shopping and even make money on them. These are some of our best tips for you to look outstanding while spending less.

1. Interested in designer stuff?

Are you are interested in designer’s stuff? But your bank balance won’t stretch? These are some of the sites which you can check. GetTheLable and Zalando are the sites which offers you the same branded stuff but with a discounted price instead. The world of high-end designer clothes are more closer than you would think!

2. Shop for Style Instead of Fashion

How about buying the things you like instead of buying the latest trending stuff that everyone seems to fawn over.
By implementing this you will develop your own sense of style other than following the fashion craze like everyone else out there and by this you will also save money in different ways, because you are only buying things that you are willing to wear for years to come.

3. Shop for quality rather than quantity

Mostly people will might think that it is useless to advice spending more on clothes to save money but let me explain the logic behind this madness.
Before buying cheap clothes just for once think that there must be a reason behind, that they are cheap than the rest. There’s the possibility that they might be made of low quality material, maybe they’ll discolor or get shrink or need to be replaced much quicker as compared to better quality clothes.
So rather than buying cheap clothes you should buy quality clothes that will last more longer than the cheap one’s. This way you’ll find yourself saving money in a long run!

4. Shopping in off-season

One of the best ways to save money on shopping is to shop out of season. For example if you want to buy your summer swimwear then instead of buying it in summer you should buy it in the depth of December and if you’re willing to buy a long winter coat then buy it in the heights of summer.
I know it might feel a bit awkward and strange but trust me this logic make sense because brands knows that the shoppers will be after seasonal stuff so it’s a great time to buy clothes in off-season which you need in the next season.

5. Sales

Sales are your first end to score great discounts on clothes. Those days are gone when shops only had discounted sales twice a year, first one is post-Christmas and secondly Summer.
Now we are treated to special discounts, mid-season sales and some sort of random clearance sales making it approximately foolish to pay full price of an item of clothing.
Don’t forget to sing up for all of your favorite sites and shops so you will be the first one to hear about upcoming sales.

6. Host a swap party

Want to get rid of some clothes? Why don’t you host a swap party instead of throwing them. It’s the best way to clear out all of the clothes you dislike, never worn or they don’t fit you.
Simply invite all of your friends, get variety of people involved and don’t forget the more people means the more clothes. Inform everyone so they can gather together lots of lovely clothes with a variety of size, shapes and style for sure.
Food and drink. Ask people if they can bring a dish and some drinks along with them so this way it won’t be a burden on you to host the event.
Enjoy the party!

7. Charity shops

Before you think why a charity shop let me tell you that there are plenty of great items to be found in charity shops. You might just have to do a bit of research around. Plan a day for it and visit all the charity shops around your town.
Keep in mind to look for a winter jacket there because you might find yourself a beautiful jacket without paying a crazy price. The only thing you have to do is to dry clean it and it will be as good as new.

8. Think before you throw

I won’t talk about all over the world but only in USA alone over a million textiles are thrown away in a year. Before you throw your clothes away just think once about this ridiculous figure and help a bit to reduce it.
Instead of thoughtlessly throwing your old clothes away think of different ideas you can use them. Why don’t you turn that worn pair of jeans into denim shorts or instead of throwing your old dress how about turn that old dress into a new style top.
Get creative with your sewing kit and you can transform your old fashioned clothes into brand new items.
There are lots of options other than a bin if you really want to part with an item, such as donating it to a charity shop, give it to a friend int need, sell on eBay or gather up a load and host a swap party.

9. Outlet stores

Outlet stores, factory shops, and factory outlets all are project oriented towards bringing you designer products and many other discounted sales and coupons. In these stores you can find as much as up to 70% off the retail price of some products you just need to make up your mind about where to go.

These were some of the best ways to spend less and save more while looking up to date with the trends. Happy Shopping!

The post 9 Useful Ways to Save Money on Fashion first appeared on FreebieRush.

I can’t decide the best for you, but you can choose which is one is best for you. You can choose according to the price, service and some other shipping facts. As the costs and other factors vary with each company. So let’s first talk about the some features regarding price of these 3 companies,

Price Comparison

1 USPS

United States Postal Services shortly known as USPS was founded by the United States Congress in 1971 in Washington DC. This postal service company works independently under the commands of the United States federal government. USPS is always known for its cheap shipping prices and they are less than of the UPS or FedEx. But unlike FedEx and UPS, the price also depends on the size of the box. So it is better to make sure you have a standard box size for shipping. To determine the USPS rates I have took a 2-pound box which is to be shipped from Minneapolis to Phoenix like the other two. The ground shipping costs only $11.60. The Priority Mail 1-Day and Priority 1-Day AM costs $46.20 and $51.20 respectively. The price for the Priority 2-Day Large box is $21.10, for the medium box it was $15.05 and for the small box it was $8.30. One of the amazing things you will find here is that the 2 day priority shipping is cheaper than the ground shipping.

USPS has another amazing feature that could help you to save more money. If you have a business of Media items such as Books, CDs, DVDs, manuscripts and such type of other items, you can save a lot of money then. If you have anything that comes in the category of Media mail you can then use this option and save a good amount of money. For instance the same 2 pound box stated above will cost only $3.33 for ground shipping if it was Media Mail. This option is such a money saver that it could help you save a hundreds of dollars monthly if you use to send media items frequently.

2 FedEx

One of the famous companies for shipping in the country is FedEx. If you visit their website, you will get to know that the price for shipping a product varies on a number of factors. The main factors that determines the shipping cost of a product are package weight, dimensional weight and delivery time. On FedEx you can get a free shipping box for your delivery. If you want to know the price for shipping your products before visiting their actual location, you can use their website, on their website you can find an estimator option from which you can determine the price for shipping of your product by providing some of the essential details. Keep in mind that this price could vary.

For a 2 pound box that is to be shipped from Minneapolis to Phoenix, let me tell you about the prices for different delivery options. If you want to use the First Overnight option, then it will cost $108.46. The price for Priority ON and Standard ON is $77.22 and $72.44 respectively. While the price for two-day AM, Two-day and Three day is $37.68, $32.89 and $24.18 respectively. These prices are for the box and you can use whatever size of box you want. But if you change the packaging in to tube shaped then the prices go up. For a U-shaped packing, it will cost $155.71 for a First Overnight shipping. While for the priority ON and standard ON it is $124.48 and $123.07 respectively. So you saw how much the price changes with the packaging. So if you are using FedEx do not change the standard packaging.

3 UPS

United Parcel Service shortly known as UPS was founded in 1907 in Washington. They are famous for their cheap shipping and made a great name in the field of delivering goods. To get an estimate of the rates you can use their store instead of going to the store directly. Their site has an estimator that you can use to get knowledge about their charges. When I checked for the 2-pound package that was to be shipped from Minneapolis to Phoenix. The cost for Next Day AM was $108.74 and for Next Day and Next Day Saver was $78.51 and $73.58 respectively. The Second Day option cost $35.83 but there was no information for the Three Day and the Ground Shipping. UPS and FedEx do not have the ground shipping estimator on their website, but if you want to know the rates you can make a visit to the nearest location of both. Both does not give ground shipping estimates because of the destination and size of the parcel. But I will always prefer ground shipping over other options because it is much cheaper than other options.

Conclusion

So, after comparing all these options, it is clearly shown that USPS is the cheapest option from all the three. So, if the money is the only factor that matters to you then you can take the USPS for shipping products. Now let’s about some other factors on which you can choose the best,

Insurance

USPS, FedEx and UPS all of the three companies provides insurance for your package and it is up to you to decide that whether you want to take insurance on your packages or not. You need to ask yourself some questions before you pay for the insurance so that you could answer yourself for the insurance payment. You need to think that will you have to pay for item if it is damaged during shipping? Or does the parcel that important? It is up to you to decide the worth of the package and then take the insurance or not. The prices for the insurance depends on the value of the parcel that you are shipping while in most cases all the three companies offer really reasonable prices.
I will suggest that if your parcel is important for you, then do take the insurance so that in case of any mishaps your lost could be compensated.

Tracking Service

Tracking service enables you to track your order, you can get information about your parcel that where it is currently and at what time it will reach at the final destination. All three companies provide tracking services but USPS tracking service is a bit different from others. When you ship a parcel through UPS and FedEx, your parcel automatically gets a tracking number. The tracking number can be used to find details about the package like I said earlier that where the package is and when it will arrive. You can use the company’s website that you are using. Now talking about USPS, USPS only offers tracking on a number of packages, you cannot have a tracking id of a single box you send. You can still get a tracking number but the details are not enough like they are in UPS and FedEx. You can ask the receptionist of your USPS location about the tracking options.

So when it comes to tracking I will definitely suggest UPS and FedEx has a more detailed tracking systems than of the USPS and If you need a parcel urgently, then you should use UPS or FedEx because USPS tracking service will not provide you enough information. If you can tolerate the tracking service, you can still choose the US Postal Service.

Customer Service and Care

Another factor that might change your answer to best shipping company is the customer service and care. Which company has the best customer service and care? The answer to this is difficult and it depends on how your local outlet management is because it depends upon the persons. Although all the companies try hard to be the best but there are some branches which are good than other so it is up to you to decide by visiting of all of the local outlets and determining the best customer service and care.

Conclusion

So, these were some of the pros and cons of the 3 famous shipping companies of the country. Always remember to take certain precautions to protect your parcel. You should try to use the right size of box, try to use some protective materials between the product and the box and label it clearly and properly so that it could be handled with care.

Now it is up to you to decide which company is best for you and what company will you choose for shipping. You can get some discounts and details by asking the receptionist about them. Do comment in the comment section below and also share your experiences regarding shipping the parcel from these companies.

The post What is the Cheapest Shipping Companies – UPS, FedEx or USPS? first appeared on FreebieRush.

When it comes about cable TV packages, we all know that paying $100 or $200 or more per month for cable TV packages are common. Also basic packages of cable TV are affordable.

Whereas when you start to add up all the bills, stuff then things get costly, and extras such as movie channels and sports, means the costs starts increasing.

However, a cable package can be affordable for you in case if you exclude movie channel packages from them but then all you can watch is not much more than those traditional TV shows.

There are many other cable TV programs, which are bigger, and offers a lot more but they are expensive and not many people can afford them. So to solve you’re this issue we have put our head together and came up with the list of 5 best replacements of cable Tv which can help you guys for sure.
So simply stay with us and we will show you the 5 best replacements of cable TV.

Tip: you will need an internet access to gain benefit from some of these alternatives of cable TV

1 Netflix

Netflix is one of the most popular streaming service as an alternative to cable TV. They provide their services in three different packages.

– The Basic Package
– The Standard Package
– The Premium Package

The Basic Package

This is the Netflix basic package it contains the following features:
– Only one streaming device at a time
– Unlimited viewing
– HD and Ultra HD not available
– $8.99 + tax per month
– Free first month
– Cancel anytime
– Suitable devices are laptop, desktop, phone, pc or tablet

If you live alone or if you live in a smaller household, then this is the suitable package for you. If you don’t watch a lot of TV then it will also work for you and in addition in this package you won’t be able to stream in HD.

The Standard Package

Well Netflix standard package is a bit much more costly than its basic package but it is worth it if there are more than one person in your household. If I tell you about myself then this is the package we are using for our home and this package contains the following features:
– $11.99 + tax per month
– Unlimited viewing
– 2 streaming devices max at a time
– Cancel anytime
– You can stream in HD but Ultra HD is not available
– Free first month
– Suitable devices for this package are TV, laptop, desktop, tablet and phone

If there are more than one person in your household to use it then this package is suitable for you. It works for us because we hardly have more than two persons streaming at the same time.

The Premium Package

– Other than basic and standard packages, Netflix also offers a premium package and the features of this package as mentioned below:
– Four streaming devices at a time
– Free first month
– $15.99 + tax per month
– Unlimited viewing
– Cancel anytime
– HD and Ultra HD are available
– Suitable devices for this package are desktop, laptop, TV, tablet and phone
– If you have large number of viewers at your household then this package is perfect for you. My family has six members but generally, there isn’t more than two viewers at a time so that’s why we stick with the standard package.

2 Hulu

When it comes about streaming services then Hulu is the most similar streaming service to Netflix. However, there is the difference between Hulu and Netflix and that difference is some of those cool features, which Hulu is offering, and Netflix isn’t.
Hulu basic package costs $5.99 per month, which allows you to watch all the movies in the Hulu library, and you can watch all the complete episodes of the many of the popular TV shows. The only downfall for the basic package of Hulu is that you have to watch your TV shows with commercials.

There is another Hulu package which costs you $11.99 per month and that is totally commercial-free. In this package, you can watch all of your TV shows without being interrupted with commercials. The basic Hulu package includes the following:

– Current TV shows
– Kids shows
– Hulu originals
– Classic favorites

Whereas in this package only one device can stream at a time.

The best part of Hulu services is that the most current TV shows appears on it right after one day they air. Whereas with other streaming services like Netflix, that doesn’t happen, and also you have to wait for a pretty long time to watch them but on Hulu you can start watching it right after one day they air.

Other than the above-mentioned package, Hulu also offers Hulu Live Package. Hulu live package includes each and everything Hulu basic includes, and other than that it also allows you to stream over the top 50 live and on demand Tv channels. News, sports and entertainment are included in this package. In addition, it includes popular cable channels like:

– HGTV
– The Golf Channel
– The History Channel
– Oxygen
– Disney & Disney junior
– FX, FMX & FXX
– Fox News
– Fox Sports 1
– Fox Sports 2
– ESPN
– ESPN News 1
– ESPN News 2

There are many more channels on Hulu Live as well. I have checked out one of our major cable TV suppliers and I find out that they are offering 140+ channels at the cost of $70 per month. Although this was a limited time offer which expired after a mandatory 2 years agreement.
So maybe Hulu does not offer all of the table cable TV channels, but it offers many of the popular TV channels at a fraction of the cable TV packages cost. If you want advice on how to watch Hulu for free then click here.

3 Sling TV

Sling TV is the best replacement of the cable Tv. The reason behind that is that you do not have to pay any sort of fee and you don’t need any rental equipment. You can stream shows right from your phone, tablet, TV or computer.
Another best thing about Sling TV is that it offers different viewing options to its customers. For example, there is a Sling TV package, which is, knows as Sling Orange Package, it costs you $25 per month, and it offers 28 channels. This package includes ESPN1, ESPN2, ESPN3, and

HGTV and one of my personal favorite and that is the Food Network. The second package, which Sling TV offers for its customers, is the Sling Blue Package and in the package they offer you 44 different channels and it costs you $25 per month. The difference between Sling Blue and Orange package is that Sling Blue offers you some more channels than the Sling Orange does. Some of those channels are Fox sports, Bravo, AMC, Cartoon Network and the NBC sports network whereas some of the channels are same.
Other than these offers Sling TV also offer another package for their customers in which you can get both Sling blue and orange both package for just $40 per month or in that offer you can get any one package of them and then pick some add-on from the package which will cost you between $5 – $15 per month.

Tip: Sling TV is introducing its limited time offer by the May 2019 for new members in which they can get Sling Orange or Blue just for the %15 per month or they can get both for $25 per month.

One more thing which you guys should know about the Sling Blue & Orange packages is that Sling Orange package offers 29 channels and Sling Blue offers 42 channels and if you choose the combo package then your package will come with 48 channels and also the channels of your package will depends on your interest.

Bonus
As we have mentioned before that if you are going to choose the Sling service then you can order some extras and gain some extra benefit from these extras. We have mentioned those extras below,

These add-on packages includes

Ala Carte premium channels such as HBO, Showtime, Cinemax & Starz
The comedy extra along with extra comedy viewing options
The international extra along with extra international channels viewing options
The kid extra, the sports extra and the news extra ( starting from $5 per month)
That is not only which Sling Tv offers you in their extra, there is many more and you can save money on movies by customizing your viewing choices, as compared to Cable TV packages.

4 Amazon Instant Video

Amazon Instant Video is a streaming service and it is one of the Amazon services you get it for free when you make a purchase of Amazon prime or you can also purchase it individually and it will cost you $8.99 per month.
Well purchasing Amazon Instant Video service individually doesn’t really make a sense because Amazon Prime costs only $119 per year, which means it costs you $9.92 per month and if you are willing to buy it on a monthly basis then it will costs you $12.99 per month. You are better off to get the prime entire package because it comes up with lots of benefits such as a free two-day delivery.
Amazon instant video streaming service includes a variety of TV viewing options in different categories. We have mentioned some of them below.

– Several sporting shows
– Popular movies
– Popular Tv shows
– Classic movies
– Kids Tv
– Kids movies
– Amazon original shows
– Fitness shows and movies
– Documentaries

The amazon instant video streaming service also offers some other genres other than the above-mentioned ones such as family and faith movies and award winning short films. The recent report from the VDB (Video Advertising Bureau) shows that the service is currently swaggering over 18,000 movies and 2,000 TV shows.

That is the massive offering of Amazon instant streaming service as compared to Netflix has combined 10,000 available movies and TV shows.

5 PlayStation Vue

PlayStation Vue is one of the recently released streaming subscription services. Do not get confused by the name because PlayStation Vue isn’t the streaming service which is only available on the newer PlayStation devices such as PlayStation 3 & 4.
You can also use their service on your web browser, Apple and your Android TV, and you can watch on your Amazon Fire TV and on the other devices as well such as your mobile phones.

Well if we talk about the streaming service costs then PlayStation Vue maybe the most expensive one from all of the services, which we have mentioned above but still it maybe the cheaper option to watch movies compared to what you would pay for your local cable Tv or satellite TV packages. PlayStation Vue offers some different packages for their customers, which we have mentioned below.

– The Access Package
– The Core Package
– The Elite Package
–  The Ultra Package

The Access Package

This package of PlayStation Vue will cost your $49.99 per month. In this package you will get almost fifty channels including ESPN1, ESPN2, The learning channel, Fox Business, Fox Network and also some other local channels like CBS and Fox.

The Core Package

The core package of the PlayStation Vue costs just $5 more than their access package, which means it costs you $54.99 per month. In this package you will get almost sixty channels including HGTV, Bravo, ESPN1, ESPN2 and also ESPN news, this is not the only channels you will get there’s a lot more such as in addition you will get the travel channel, USA, WE, Disney and Disney Junior and many more.

The Elite Package

Other than the access and core package PlayStation Vue also offers The Elite Package for their valuable customers. This package will cost you $59.99 per month and in the package you will get almost ninety channels, including the channels, which are mentioned above in access and core package and some of the favorites in this package, are the E! Entertainment channel and the family channel. It also includes Fusion, National Geographic and the cooking channel.
The Elite Package also includes many sports channel such as ESPN1, ESPN2, ESPN News, Fox Sports North, Fox Sports North Plus, MLB Tv and The Olympic Channel. If you are from the category of sports fan then this package of the PlayStation Vue streaming service is perfect for you.

The Ultra Package

This package of the PlayStation Vue streaming service will cost you $79.99 per month. We know that this sounds a bit much expensive but the thing is that it includes all the channels, which Elite package has, and also in this package you will get HBO and showtime.
I would like to recommend you to compare the packages of your local cable or satellite TV packages with the PlayStation Vue package, there is a possibility that you will find that the PlayStation Vue is a better deal. The city I am living in, the PlayStation Vue packages pricing has beat out many of the popular comparable cable and satellite packages.

This was the list of those 5 best replacement of Cable TV. We hope that it will help you choose a better option for yourself and your family. Also we would love to hear from you all you lovely people, so simply drop a comment below and let us know that which one of this replacements has helped you out and which one you have selected.

The post 5 Best Replacements Of Cable TV In 2020 first appeared on FreebieRush.

But the thing is that you don’t have to worry about anything, just sit back and take a deep breath to relax yourself and follow these time & money saving tips to pare your budget without even cutting back on any of your necessary or luxury items for the family.

1. Use Coupons

Coupons are one of the best friend’s of mom’s, and with the retailers like Walmart which offers store wide coupons for literally everything you need, there’s no reason to shop if you don’t have them. Before leaving your house for shopping, you should make a list of necessary items and also you should perform a deep search online using sites like RetailMeNot to figure out on what type of deals you can get your hands on. If it is okay with you postpone a purchase for which you don’t have coupon then you can give it another week or two to check if a deal might turn up in this time.

2. Shop Off Season

Another best way to save some extra cash on shopping is by shopping off season. To shop on end – of – season sales is a bit more trickier for kids as compared to adults, but in case if you are a good gauge of the growth rate of your child then you’ll be able to cash in on big savings. If you are worried about that your picks won’t fit till next season, then you can look for some multipurpose clothing that can work in any season. For instance those jeans that are on sale at the end of winter season can carry you over whole spring season and also in those cool evenings of summer. Same like, those t – shirts which are on clearance at the end of summer season are absolutely fine for layering under a hoodie throughout all fall & winter.

3. Shop In Bulk

Another best way to cut down the price of per – item product is by making the purchase of your necessary items in bulk. If you already know that in future you will use hundreds of wipes & diapers and dozens of juice boxes and packages of cheese crackers, then why don’t you stock up right now and enjoy a diminish overall price? Probably the best part is that this way of shopping will actually reduce the numbers of trips you’ll need to make with restless little ones.

4. Take A Look at Generics Brands

Generics brands are the cheaper alternatives that will usually help you to cut down the prices significantly. That’s true that some of generic brands are subordinate to the name – brand alternative, but you won’t find out till you try it. You’ll be probably get surprised by knowing that the chicken nuggets of store – brand taste every bit as good as your favorite name brands and not only that, sandwich bread and pizza of store – brand also taste like your favorite name brands. There are many generic products which are produced in the same factories as the brands you love. You can extend the name you know and chances are that you might end up stretching your dollars more than you have imagined already.

5. Try Before You Buy

Honestly speaking there are some items which get limited used before they get demoted to a shelf to live out their lives collecting lots of dust on them. So before you take a step to invest in these types of entertainment don’t forget to borrow copies to make sure that you enjoy them. If you read an amazing book at the library and you’re sure that it will be one of your beloved favorites that you return to again and again by all resources then you can add it to your shelf. If the kids are decidedly soul – crushing about the adventure of this character, then you can simply send it back to the library and try again with nothing wasted.

7. Buy Used Items

Normally children’s clothing is in great condition when it moves to its next owner and the reason behind that is the first master grew up too quickly to wear those items more than once or twice. You can take a look on garage sales, secondhand stores and clothing swaps for delicately used items at fraction in compared to what they cost new. You can simply utilize those savings which you require from buying new clothing to squander on brand new shoes. Shoes look after to form the wearer’s foot, making them a wrong move at the used – clothing store, even if they are a great deal.

That’s actually true that children adds a mountain of ongoing expenses to your budget, but in this case these costs don’t have to drain your wallet dry. Just consolidate one or few of these smart tips & tricks of shopping and you can actually enjoy those products that are every bit as good – along with price tag at a portion of what you could usually pay. And after that the options for what you do with all of that extra cash in your pocket are endless, so you can initiate planning for a fun squander.

So guys this was the list of those different methods through which those busy mom’s can also save some extra money at shopping. At the end we would only say that we would love to hear from you people, so don’t hesitate to drop a comment below and share your experiences with us and also let us know that which one of the above mentioned ways you have tried out and how much did you saved at shopping.

The post 7 Ways Busy Mom’s Can Save Money first appeared on FreebieRush.

1. Bestow

Bestow is one of the best company. If you are a student or you have a low amount of income then Bestow is the best option for you. This company offer polices from 2 years up to 10 and 20 years. You can take a start at $3 per month and your policy can mount up to $1 Million if you have a longer plan. Getting a term life insurance from Bestow is very easy you can get it by sitting at your home. You just have to apply and give them some of your personal information. Then they will calculate for you according to you data and will give you the best possible plans.

2. Fabric

This company has a trust pilot rating of 9.5/10 and has the life insurance of 20 years. They can give you coverage rate up to $10 Million with no exam coverage. You can apply for One the best feature that this company has that they offer to write your will and testament for free of cost and you can change it any time because the family grows all the time. This is an amazing feature.

3. Heath IQ

In Health IQ, If you maintain a healthy lifestyle and a high healthy literacy rate then you can save up to 33%. This company has a trust pilot score of 9.7/10. This company has a new perspective for people and they are offering the best policy for the people who stay healthy and want to achieve a healthy life style.

4. AIG

This is the company with branches in over 80 countries and it has been in business from last 100 years. This company offer you the polices that are for 35 years means they offer extra 5 years in comparison to other who offer 30 years. The monthly amount you have to pay will be higher than others but you will save more because you will have to pay the same amount from start to end. You can select a policy according to your plan because this company gives you offer to obtain a policy between 10 to 35 years.

5. Ladder

This company has an extra feature that they have a coverage calculator that help you to calculate according to your current situation that what type of policy you need. Their name reflects what they are as their you can change your coverage rates if you want to change in between your policy term. Taking insurance from the Ladder company is very easy and the process only takes up to 5 minutes you then just have to take a decision with you coverage rate.

6. JRC Insurance Group

JRC insurance group is the company that offers you a policy for 10 to 30 years and you can get a permanent one too. Their tools helps you to compare the rates of 50 other insurance companies and you can also get you plan according to your need and the tool which help you to compare your health rates and others option is free to use. Yeah that is amazing!

7. Haven Life

Haven life is backed by a company that is 160 year old in the insurance business. In this company if you have a policy and you are diagnosed a disease you can apply for an early withdrawal to help you with your medical expenditures. This company offers you additional benefits, you can save up to 15% from CVS Minute Clinic. If you want higher rates for your coverage then you should consider this company because their coverage rates vary from $100,000 up to $3,000,000. You can easily get your offers from them by just answering some questions and to the renewal process is also quite easy where you do not have to do any new underwritings.

8. Ethos

This might be a younger company in comparison to others but they have partners who have been in business of insurance from the last century. Ethos is based in 49 states of America and to get a policy you have to be a national of United States of America or a green card holder or you should have lived in the United States for at least 2 years. The application process take about ten minutes and then instantly in a minute you have your offers and then in next two weeks you have to start paying for your policy. They offer up to $1 Million and you can have life insurance for up to 30 years. This company looks for your physical and financial setup and then offers you according to it.

9. John Hancock

This company is in the list of one of the oldest insurance companies. This companies can give you many benefits like you could have discounts on many retail products and travelling. You can have discount on foods. You can also get an Apple watch for a discounted rate of $25 and free Fit Bit device. This means you can save up to 15% on your annual expenditure. You can get your offers right now by just applying and without a medical exam you can even qualify for a coverage of $100,000.

10. Principal

Principal is the best and the most trusted insurance company. The have been in this insurance business from 1879. Although they do not have a big name but they are trusted by their costumers and have some of the best consistent ratings of all time. If you think you are good in health then you should get your offers from Principal. They can offer a coverage rate of $100,000 with no exam. This company has the highest rates with no exam as compared to any other in business.

11. Sagicor

This company is one of the oldest insurance company in business because they started in 1940. They offer you a policy of minimum $50,000. Sagicor has branches in over 45 states and has one of the best rating. You can get a policy from them even you are not a resident of America by their International Sagicor company. One of the benefit that you can get here is that you can apply for a early withdraw your amount if you have to be diagnosed from a disease.

12. Americo

Americo is an private established insurance firm that is in business since 1906. Like others they offers polices for 10 to 30 years and you can get a coverage rate of $250,000 with no exam for a period of 20 to 30 years. They have a very good rating by their costumers and are ranked in the list of one of the prestigious companies in the business of Insurance.

13. Guardian Life

Guardian Life is also one of the prestigious companies that are in business from 1860. They offer term life insurance policies for 10 to 30 years and you can get coverage rate up to $250,000 to $500,000. They have the best ratings from years and they give a coverage wavier if you are disabled for at least 6 months.

So these were the 13 best companies that offer insurance policies. You should avail one of them and make a start even by $3 a month. They key to get more successful coverage is to keep your self healthy so always try for that. Do not forget to comment in the comment section and also share your experience and your elders experiences of taking life term insurance and tell us what benefit they give us. We will love to hear from you.

The post 13 Perfect Term Life Insurance Organizations in 2020 first appeared on FreebieRush.

Sometimes the travelling is not for the vacations, it could be for business and some personal matters. But in that case it is obvious that you cannot miss those trips. Thus today I have bought up a list of some services and websites that will help you to save money while you are travelling. These savings could be in flight costs, hotel rents and other expenses. There are different methods to get discounts from each service or website. So let us start from the first,

1. Trip Advisor

One of the famous websites for booking for your trips and reading people reviews is Trip Advisor. There is a lot to find on this website and you can make your trip more comfortable by using this site. When you will search for different hotels, flights, restaurants and other services you can read people reviews about that services and then can book according to your requirements. You can find discounts and packages for trips on Trip Advisor. You can also use their app to plan your days while you are in a vacation as this app will let you know about all the popular spots of the city in which you are residing.

2. Scott’s Cheap Flights

Scott’s Cheap Flights is one of the best ways to get discounts on flights. Using this site will help you save more than 50% of your flight costs and I will tell you how. The working of this site is much different from the other sites. You will have to sign up for their emails and then they will inform you about the best deals. All the flight prices are often decreased at times and sometimes companies lowers the rates. So whenever there is a change like that the Scott’s Cheap Flights will inform you through the email. They have a software that keep’s on checking the changes and it will also calculate the time that these prices will remain for. So by using this site you may have to change the time and schedule of your trip but you will be able to save a big amount on flights costs.

3. Booking.com

One of the most famous travelling website is Booking.com. You can book for hotels, flights, car rents, tours and other activities that are involved in a vacation. You can get discounts on almost every service they offer and you can also get special packages while you book for more than one service like a hotel and a flight.
You can also earn from Booking.com as it will let you list your home or apartment for rent if you live in a famous place. So you can use Booking.com as the same as AirBnb in order to earn money. While you are on a trip instead of leaving your home empty you should list it to Booking.com so that you could save more while you are on the trip.

4. Hotwire

Hotwire is another place to book for hotels, flights and car rental while you are planning for a vacation. You would have to pay as much as the price of direct booking but you can save more money by booking hotels and flights at the same time. This would help you to save a good amount of money. This site also has express deals that you can take. In these express deals you will not know the exact name of the flight and the stops but you can get a good discount. So if you do not have any issues of time then you can take these deals which will help you save more money.

5. Priceline

Priceline is the one of the simplest website that you can use to book hotels, flights and cars. There are many options available for you when you are looking for hotels or flights. You can boost your savings by getting discounts and packages from this site. When you book for the hotels and the flights at the same time you get a vulnerable discounts. There are express deals on this site that does not allow you to see the hotel details until you have booked but gives you the maximum discounts. This type of express deals are best for those people who does not have any issues in living in any part of the city.

6. Kayak

Kayak is a site that will help you to get the best deal available on the internet with maximum savings. This site is basically a search engine with the best deal aggregator. The company also gives a lot of offers and promotions and will also let you know about an offer even it is not from their websites if it suits you. You can get the best deals on flights, hotels restaurants or even a full vacation package while using Kayak.

7. Orbitz

Orbitz is one of site that is used to book hotels, flights, cars and vacation packages. They have a different method of giving away discount that is they have their own rewards program in which you earn cashbacks on the services you buy from Orbitz. You will get cash backs in the form of Orbucks and then you can use these Orbucks to get discount on hotel stays. You will get 5% of cash back when you will buy a hotel service from Orbitz. 3% on hotels and 1% on vacation packages. You can earn more rewards by using most of their services and can then get discount on your next hotel stay.

8. Hotels.com

Hotels.com is a travelling website on which you can book flights, vacation packages and hotel bookings. This site has one of the largest listing of hotels around the world and you can find hotel prices as less as 50% if compared with the regular ones. There are many deals available at their site anytime and you can avail many if you want to save more on your vacations. You can also get last minute cut rate deals if you want to book hotels after you have left for your journey.
Another way to save money from Hotels.com is its reward program which will help you to get points and then redeem it for discounts on number of hotels around the world. To earn a reward you will have to stay at a hotel for 10 nights that you have booked from their site. You will get an average cost of the 10 nights as your reward points.

9. Jetsetter

One of the other place to save money on travelling is Jetsetter. This is an online magazine that will also offer you deals so that you could save maximum money on hoteling. You can only book for hotels on Jetsetter. They also offer flash deals on their website from which you can save on 50% of your hotel expenses. There are not many options available so if you want to have a good saving you will have to show some flexibility about where you want to go but if you do so it is worth it.

10. Travelocity

Another place to save money on your vacations is Travelocity. It is one of the travel agency where you can book flights, cars, hotels, cruise and even full vacation packages. You can become their member so that you could get 10% off on your next vacation hotel and as a member you would also get some special deals that you can avail for your vacation. If you are not a member you can still get some of the best deals as this site posts public deals too. So if you want to get one you would have to keep checking their website.

So these were some of the best travelling apps and services that you can use to get discounts on your travelling. You can get discounts while you are travelling for any purpose. There are some other tricks that you should keep in mind so that you could maximize the savings. There are sites like Rakuten that gives cashback to its users. So whenever you are booking for your flight or hotel, you should open the sites like Rakuten and then in that site you can search for the desired travelling website. There are no charges for cashback websites so you will be able to earn some free money while you will avail discount on the travelling site too. Another way is to keep checking the airline ticket prices as they fluctuate the prices many times on weekly basis. So you have a good chance of saving money if you keep a check on it. Thus these simple tricks could help you even save more money while on a trip.

Do comment in the comment section below and also share your savings experience from these sites.

The post 10 Best Travelling Discounts Websites first appeared on FreebieRush.

1. Avoid adding up heat

Do not add more heat into your house by cooking inside your house in the summer days. When you cook inside your house in the summer days you increase the temperature of your house that your air conditioner has to overcome. If you even use an oven inside your house that also increase the temperature. So instead of doing this you should try to cook on the stove or microwave. If you want to save more than you should try to cook on grills during these days this will give you two benefits one is that your house temperature would not be affected and your air conditioner would not have much load and the other benefit would be that you would use the heat energy from the sun. So if you know how to grill then you should go for it. It would be better if you use charcoal grill because it will be more efficient in that atmosphere.

2. Surge Protectors

When you leave your house it is difficult to turn off all the appliances, as you know that many of the appliances use energy even they are turned off this energy is known as phantom energy. This phantom energy is consumed by appliances so that whenever you turn on the device t would not take time to start and will start soon. As you should save this phantom energy by means of surge protectors these surge protectors help devices to consume much less energy as possible. There are some upgraded devices that have surge protectors installed in it but the old ones do not have it so we have to install them manually. One thing you should keep in mind that there are devices that take a lot of energy to start so you should never unplug these devices because due to unplugging when it will start it will take more energy than it consumes in just off time. So plugging out every device is not the right option but applying surge protectors is!

3. Use the Natural Cool Air

Do you know that the temperature in the summer night is quite less as compare to the day in the summer? In the summers night the temperature tends to drop and there is a lot of fresh air in the atmosphere. So why should you waste your Energy on air conditioner when you can have fresh air for free. Just open your window in the night with a fan combination you will get a very atmosphere in your room. Do not forget to power off your air conditioner because it stays on then this will be a very big energy loss. So open your windows and let the cool and fresh air in your room you will be amazed by the power of fresh air that how will it make your room temperature down in minutes.

4. Using your Thermostat

You can save a lot of money only by upgrading your thermostat. If you are thinking how then I will answer your this question very precisely. The new and upgraded thermostat automatically observe your time of when you go and come and then these automatic upgraded thermostats program themselves in to the time and set the temperature up and down according to your time. If you are still using an old thermostat in which you have to turn the temperature up and down manually then you should upgrade it because these old thermostat take consume more energy and there maintenance costs more. On the other hand applying an upgraded thermostat will help you to save more because of the updated systems that will consume less energy. The new updated thermostats adjust themselves into the timetable you have for your 7 days and that is why the systems consume less energy.

5. Close the House well

If you are using an air conditioner in your house and you have points in your house or rooms from which warm air enters and your cold air loses your room then you are doing a very big energy loss. Yes why are you letting your cold air loss your room? Because of this you air conditioner has more load and you are not letting the cooling stay in your room. Try to close the space between the door and floor also close all the points around your windows when you air conditioner is in working. You can save up to $200 per month by your this act because this sealing your air conditioning space get less load on the air conditioner. So for energy saving this tip can really help you a lot and you will feel the difference yourself.

6. Upgrade Your Appliances

One of the best method to save energy cost is that you must upgrade your old energy consuming appliances by more energy efficient appliance that consumes less energy. There are devices in the market that consume 75% less energy than the old ones so you should look for them. One of the other thing is that these up gradation could be act heavy on your pocket at that time but these energy efficient will decrease your bills by almost 50% to 60%. Try changing your old bulbs with the less energy consuming products because the cost of energy consumed becomes more than the price every month. So you should take this hard step and then this will pay off and your energy cost will reduce very effectively that you will notice very soon.

7. Cleaning your AC filters.

You should know that when an AC gets running dust and a lot dirt sticks between the filters and as there is more dust and dirt on the filters the more power it will use to such the air to make it cool so the more energy means the more cost will it take. Cleaning your AC filters from a repair man will also increase your energy budget. So to save in this regard you should roll up your sleeves and start cleaning your Air conditioner filters because experts says that cleaning your AC filters can increase their life and performance and they also use less energy so you should clean your Air conditioner filters after every 20 to 25 days to make it efficient and cost effective. This will also help you to gain experience of air conditioner mechanism and you will be able to repair also when you start cleaning and observing the mechanism of your air conditioner.

So here were the 7 effective methods from which you can save energy costs in summers. Yeah summers could be annoying but you can change your this thought in this summer by saving from these tips and going to a fun trip with family or friends and you could either go to a hill station. Saving Energy costs is important for both you and the society because the more you consume the more you have to pay and the more government will have to make from it sources. So you should save energy for a better society. Drop your comments below in the comment section and do share your experiences of saving your energy costs by the effective methods explained above and tell us how it worked for you. We will be waiting for you precious comments.

The post 7 Effective Methods to Lower Your Energy Costs in Summer first appeared on FreebieRush.

However there is a solution to this problem and that is there are some companies that will enable you to access internet only with the cable TV subscription and if you want internet and landline without cable you can still get it. Sometimes people decide to save some money by ditching alternative cable TV or sometime there could be another reason. Whatever your reason could be you can get an option of your choice all across the country. So let’s talk about these companies,

1. Google Fiber

Google Fiber is an internet service provider company that was founded in 2010 and this company is only providing internet facilities in the Unites States. This service provider is only available in the main cities of the US. Some of the main cities in which Google Fiber provide the Internet facilities are Miami, Denver, Atlanta, Charlotte, Boston, Chicago and Los Angeles. The data plans depends upon the city in which you are living. For instance, if you live in Kansas City then you can access from 5 different plans from Google Fiber plans. The two famous plans are Fiber 100 and Fiber 1000.

The Fiber 100 plans allow you to access unlimited data with a speed of 100MB per second. You will have to pay $50 per month. Fiber 100 allows you to access really fast internet on more than 5 devices at a time. Whereas the Fiber 1000 allows you to access unlimited data with a speed of 1000 MB per second. You will only have to pay $70 for Fiber 1000 that provides unlimited access to data. This plan could be accessed with more than 10 devices at a time. The other packages in this city are with the cable TV subscription.

2. WOW Internet

Wide Open West shortly know as WOW is an American Cable TV company that also offers internet and landline services. They were founded in Colorado in the year 1996. This company is widely famous for its cable TV but the internet services are also great. If you live in Florida, Alabama, Georgia, Indiana, Illinois, Ohio, Michigan, South Carolina and Tennessee than you can have access to their internet services. They have different plans for different cities, for example I have given the details of Illinois area here,
In this area you can have Internet 200, Internet 500 and Internet 1000 plan. The Internet 200 plan is best for you if you want to use the internet for personal use and there are only 3 users. In this plan you can get 200 MB per second speed with the cost of only $44.99 per month. The

Internet 500 plan is best for you when you have a number of users and for those people who want to play games. In this plan you get a speed of 500 MB per second with upload speed of 50 MB per second. It costs $54.99 to have a WOW Internet 500 plan. Now for the last plan Internet 1000, it is suggested that you should only take this package if you use it for large file sharing, VR gaming and power streaming. On this plan, you get a speed of 1000 MB per sec and uploading speed of 50 MB per second only in the price of $74.99 per month.
One thing to be kept in mind before taking a package is that that you will have to sign a contract for 2 years except the case of Internet 10 plan.

3. FreedomPop

FreedomPop is a mobile network operator company that was founded in 2011. This company is currently providing its services in United States, Spain, Mexico and United Kingdom. The company provide different type of data plans to its users. You can have access to the wireless internet via hotspot from this company. Hotspot is an access point in a public location and you can access it from your home. Some people say that hotspots are not a safe way to use the internet because of the attacks from the hackers but you can take some security precautions and use it.
The company provides different types of plans like the basic plan, pro 500 plan, premium 3GB, 4GB, 5GB and 10GB plan. The basic plan of FreedomPop is free to access and you are provided with 500MBs of internet to access. If you want to use more data on this plan you will be charged $0.02 per MB. This basic plan is only accessible from the 4G network only. Whereas the Pro 500 plan comes with the same amount of data but costs $3.99 per month because you can access it from both the 3G and 4G network and if you want to use additional data the price is same as of the basic plan.
Now talking about the premium plans, the Premium 3GB plans costs $28.99 per month for 3GB of data, the Premium 4GB Plans costs $34.99 per month for 4GB of data, the premium 5GB plan costs $39.99 per month for 5GB of data and the last Premium 10GB Plan costs $74.99 per month for 10 GB of data. All the premium plans could be accessed from 4G and 3G networks both and if you want to use additional data it costs $0.015 per MB in all the premium plan.

4. AT&T

AT&T is basically a telecommunication company that was founded back in 1983. They have different plans from which you can choose, you can get access to the internet and the Direct TV at the same time with a same package and you can also use the internet only plan. With the Internet Only plan you can have an internet speed of 100 MB per second with unlimited amount of data for only $50 for a month. AT&T internet services could be accessed from a number of states such as Alabama, Florida, Illinois, California, Arkansas, Nevada, Michigan and Texas. If you want to know more details of this service provider you can check their website.

5. Boost Mobile

Boost Mobile is a wireless internet service provider company that was founded in 2000 in Australia. This company is working with 2 independent companies to provide internet services in the United States and Australia. With Boost Mobile you can get an access to mobile Wi-Fi hotspot too. On Boost Mobile, you will have to purchase a broadband device if you want to use their services. Boost Mobile has only a single data plan and that is you can get access to 50GB of data in only $50 for a month. If you want to access more data you can buy additional data packages. The plan from Boost Mobile is accessible form 4G LTE networks. You can travel with your hotspot wherever you want.

6. Verizon Fios

Verizon Fios is purely an internet service provider company that was founded in 2005 in the state of Texas. Verizon Internet service is limited to a number of states such as New York, Pennsylvania Rhode Island, Virginia and some more states on the east coast of the country. Verizon has a number of different plans and some of the famous are The Verizon $39.99 plan, The Verizon $59.99 plan and The Verizon $79.99 Plan.
In the Verizon $39.99 plan you get an internet speed of 200 MB per second for only $39.99 for a month. You will have to deal for a 1 year to get this plan but if you choose to get it for a 2 year commitment then you can get a discount of $10 a month and there will be no set up fee too. If you go for the Verizon $59.99 plan, you will get a speed of 400 MB per second for only $59.99 per month. Whereas if you choose the Verizon $79.99 plan you can get a speed of 880 to 940 MB per second for only $79.99 per month. For this plan you will have to make a 1 year commitment but if you choose a 2 year commitment you can get full discount on your set up fee. This is a good money saving option.

So these are some of the options that you can use to get an access to internet without subscription of cable TV. There are many other options too that you can access and now it is not necessary to buy a cable TV or a landline subscription if you do not want it. So make sure you use these options well. Do comment in the comment section below and also share your experiences of getting internet services from these companies.

The post 6 Legit Ways to Get Internet Without Subscribing Cable first appeared on FreebieRush.

I was personally a big coupon user who used to buy many items for free with the help of coupons. I used to cut out coupons from the newspaper or anywhere else and collect that and used that to buy things and sometimes I used to buy many extra things just because I was having discounts. Now although I still use coupons but I have changed the way I was using it. Now when I use a coupon it is only for the thing that I ought to buy.

Coupons are one of the best way to save money on many thing. Suppose you are out at the store to buy a certain product and you have a coupon of $1 then you could save that $1 from the product you are going to buy.
People have used paper coupons in the past on a very big number but now the world has shifted to digital coupons that you can use and you will be amazed to know the fact that there were 1.05 million people who used 31 billion digital coupons in the single year 2019 and according to a study 91 million dollars will be saved by people with the use of coupons till 2022. These are very big numbers and it clearly shows that a big number of population is saving from these coupons. Now couponing is not limited to collecting coupons and printing or collecting them but these has gone to a wider and broader picture. You will be amazed to know that 25 million American are using these digital couponing apps to save them money.

In spite of all this fact couponing becomes a problem for some people as they get a habit of over using it. This can be explained that whenever this kind of a person finds a coupons he rushes to the market to use it and it always happens whether he needs the item or not. As with couponing you can save a good amount of money but sometimes this couponing can led you to send some extra money and you end up with buying things that you do not need. Buying useless things can stress your life more and it can end up with horrible results. So using coupons in a right way is very necessary.

You can find coupons in the newspaper or in your mail box and now as I said earlier that the world has shifted to digital coupons you can find them online on many websites, apps, in the emails or anywhere on the radio or TV. Finding it is very easy but using it right is the main thing you should now focus on.

Please read our – Couponing: A Complete Guide

Why coupons exists?

This is one of the question that is in the mind of every coupon user. If you think that coupons are meant to save you money then you are wrong because coupons are a temptation and invitation for you to spend money. This is a tactics played by the companies to invite you for shopping. The retailers send the coupons as they want the people to come to their stores to buy items. To do so they always use the marketing strategy of discounts that many people like us fall in. There are some companies that are play other tactics like whenever they announce a sale or a discount or coupon they increase the price of the product before that. By this they do not get in to any loss and are able to sell more. The word sale always hits a customer’s mind so these companies always use the term sale more often so that people come to buy in the thought that they are saving. One more thing that usually these stores do is that they set a limit and then tempt you to get discount if you spend till that limit by this they are able to sell more items.

Why People Use Coupons?

This is question that many people need to ask from themselves as why they are using coupons and is it really worth it. As people are tempted towards sales and discounts so this is the biggest reasons of using coupons. Whenever a product is on sale it tempts people to buy that as they are thinking that it is a money saving opportunity that they are going to miss but actually it is the temptation to spend money. So this addiction of saving money can cause you to use coupons.

Drawbacks of Coupons

As I have said earlier that it is a common perspective that coupons save you money and why not because when you are saving some dollars on your purchase like getting $20 off from a purchase of $100 then you would definitely say that couponing is one of thing that is helping you to save money. But will all this there are some issues with the use of coupons that might hurt and you end up asking yourself that whether you saved the money or lost it while using coupons.
When you are using too much coupons you end up spending too much money in the temptation of getting a discount. This may cause you to spend extra money that you could have not spent and saved. Sometimes coupons tempt you to buy those things that you do not need and you buy that just because you take coupons as a money saving option. Here you should ask yourself a question that how could couponing be a money saving thing if you are buying thing that you do not? People tend to buy the extra things and this happens mainly because people think if they will not use this coupons they will loss an opportunity of money saving and they do not know that they are wasting money. So you need to understand that coupons are not incomes you lose, they only help you to get discounts.
Another issue with coupons is that sometimes they are for unhealthy or unhygienic food. Though it is not worth to buy unhealthy or unhygienic to save money. One more issue that arises with the use of coupons is that it also tempt us to spend more in a way that if we save $20 from an item we usually spend that $20 to buy another extra thing. By this we destroy the saving process and use the amount we saved from the coupons. So to save money from coupons you need to know all these problems that arises from the extra use of coupons and now if you want to save money always use your coupons wisely.

How Can You Use Coupons Wisely?

So this was the question for which I was writing this whole article. I need you to understand that you should use the coupons wisely so that you could save money but not waste it. To save money on coupons you should first ask yourself that whether you would have bought that item if you would not have the coupon? And if the answer is yes then proceed to ask yourself that whether you need that item and where would you place that? Because these are the questions that you clearly need to answer in order to save money. Now for the last always ask yourself when you are going to use a coupon that have you got addicted to the coupons or is it really worth it for you? To save money in real meanings you really need to stop and ask yourself these questions because this is the only way to save money. Otherwise you will spend extra money on things you do not need thinking that you are saving money.

Sometimes it could be difficult for you to do the above mentioned things but when you will start doing so you will be able to answer this question in a positive way that yes you are saving money while couponing. As money saving is very vital for a person’s future and it could help you to achieve what you are working or it could help you to retire earlier than you have thought and enjoy your life in peace.
In the end I am sure now you will use coupons wisely. Do comment in the comment section below and also share your experiences of how you saved money from these coupons and how you were using these coupons before reading this article.

The post Is Couponing Worth It? Are You Saving Money While Couponing or Losing It? first appeared on FreebieRush.

This is the main reason behind many budget fails and debt. So if you do not want to get in to debt or want your budgets to succeed start saving money today. Money looks difficult to many people that is why I am writing this article today so you enable yourself to save more money. There are many apps that can help you in this regard. I will write down about some of the best ones. Most of the apps are free to use so do not worry about that. So lets start from the 1st,

1. Qapital

Qapital is an app that you can use for short term money saving goals such as saving for holidays or a vacation. This app is a bit different from the others. Here you can create triggers with the help of your savings goals. For example, if you have a saving plan to buy a new LED then you can choose your cable TV or other streaming options payment to be rounded off and put off in the savings account to buy a new LED. This simple technique can help you to save for each goal separately.

On Qapital three different programs are offered to you. First is the basic one in which you have to pay $3 per month and it helps you to save money for you goals. While the other two are complete program and the Master program in which you have to pay $6 and $12 respectively. In the complete and master program you can get help to invest your money in a safe way.

2. Chime

Chime is a very interesting saving program that you can use. It is basically an online bank that will help you to fill up your savings account. The bank has two different options for you that you can use to save money. For that you will have to open a checking and savings account on Chime. The first option is that you can have the Automatic Savings Program. This program is somehow same like Acorns, here you will have to link your Chime Visa Debit card with the Chime app and it will round off all the purchases you make from this app. The rounded off amount will be put up in your savings account.

The second program from Chime is the Save When You Get Paid Program. In this program whenever you are paid, 10% of your amount is directly deposited in to your savings account. This is a very simple method that you can use to transfer money automatically in your savings account every month.

3. Acorns

Acorns is one of the best site that you can use to save money. In this app you only have to link your accounts to them. After that all the work is done by Acorns and you just save money. The process is pretty simple. On Acorns, all the purchases you make are rounded off in to the next figure and the remaining change is transferred in to you Acorns account from there this amount is invested in to your saving account, retirement fund or investment account. This app basically helps you to save money on long terms. You can choose the account in which your money will be transferred. It could be retirement account or non-retirement account according to your wish. As a said your money could be invested too as Acorns has some investing portfolios to choose from. You can choose according to your preferences and invest in them. If you choose the investing plans you will have to pay a fee according to the plan you take, the fee vary from $1 to $3 per month.

4. Clarity Money

Another app that you can use to save money is the Clarity Money. This is a very simple app in which you select an amount to be deposited in to your account every month and then every month a part of your income is deducted and put up in the saving account. Here the amount of money is deposited in to a Marcus high yield savings account. You can set your own goals here and you will also earn a high interest rate of 1.55% on this app on your savings account.

5. Simple

One of the easy to use website to save money is Simple. On this site, you can put your money for each specified goal separately. You can deposit money through your pay check or directly from the bank. One of the best feature of Simple is that you can set up automatic transfers for every month and then every month a specified amount of money will be transferred in to your Simple account. Another feature of Simple is that you can set up automatic round off option same like Acorns. By this a small amount of money is transferred in to your savings account whenever you make a purchase. Simple is basically a short term money saving website but you will be amazed to know that you can earn an interest rate of 0.01 % on your simple account. If you have a projected goals account then you can earn an interest rate as much as 1.40%.

6. Trim

Trim is much different from other apps listed here. As the name suggest, Trim helps you to cut off your unnecessary expenditures. The process is very simple, you have to link your credit and debit card with Trim. Trim will then find out any hidden charges that are cut off from your credit or debit card. There are many automatic subscriptions that we do not know about like gym membership, magazine subscriptions. These subscriptions are automatically renewed every month. What Trim does is that they notify us via messages that whether we know about these subscriptions or not? Or do we still want to use these or not? If not then Trim contacts the providers and cancels our unnecessary memberships and subscriptions. Trim will help you to get a lower rate on your cable provider or insurance. This is a very safe and secure app and you do not need to worry about the your information and about the credibility of this app.
Just simply sign up to the app and save money and use that money to save for your future financial goals.

7. Joy

Joy is a very simple and easy to use money saving app. It is absolutely free to use Joy. You will have to link your accounts with Joy and it works in a very simple way. Joy looks at your spending through the information you provide and it suggest you about which section you can save money. It will suggest you that how much amount of money you can save from each category. Unlike the others, Joy will ask for your approval before transferring amount in to the Joy savings account. It will suggest you an amount and you can reduce and increase it according to your expenses. Then the amount is deposited in to your savings account. This is a very simple way to save money and all the work will be done by Joy and you will only have to approve or disapprove its suggestions.

8. UNest

UNest is one of the best apps that you can use to save for your kids college. It works very simply and the amount you put in UNest is invested according to the time remaining for your kid to join college. On this app you save money for your college through a 529 account. It’s not only you who can deposit money in to your kids’ college saving account but you can also ask your friends, family and well-wishers to deposit money in to your kids college account via the app of UNest.
Unlike most of the apps in the list, UNest is not free and you will have to pay a $3 a month to use UNest.

So, these were some of the best collections of apps and sites that you can use to save money for your future. There are many other options too and now it is not difficult to save money for your future with the help of these kind of platforms. You can use these platforms to save money for short term, long term or for some specific purposes. Make sure you get advantage from these all.

Do comment in the comment section below and also share your experience of saving money in the past. Let us know if you face any difficulties then.

The post 8 Top Apps for Money Saving this Year first appeared on FreebieRush.