Dalelorenzo's GDI Blog

Take These 4 Steps to Lower Your Cost of Living — Without Moving

If you’re determined to have the lowest cost of living among every other human being in the United Nation, move to Mississippi.

Seriously -- it has the lowest cost of living overall, taking into account grocery, residence and transportation expenses.

Dollar for dollar, your cash will probably go further in the Magnolia State than if you were to live in a major urban cluster like New York, California or Florida. And you’ll clearly get more blow for your buck than if you lived in Hawaii -- the country with the most prominent cost of living.

But packing up everything you own and moving somewhere merely because it’s cheaper doesn’t actually make sense for most people. Jobs, home, friends and just plain age-old caring where you live wants buying a piece of belonging outside Jackson isn’t ever a viable option.

So whether you live in Huntsville or The Hamptons, you are eligible to trimmed your cost of living anyway. Take these steps to slash your greenbacks and give your budget a Mississippi makeover.

1. Knock $489/ Year From Your Car Insurance in Minutes

When’s the last time you checked auto coverage costs? Unless you live in Ohio, North Carolina or New Hampshire -- the cheapest states to get car insurance in 2021 -- you’re probably too much. And that can make a big dent in your lower cost of living.

But no matter where you live, you should shop your options every six months or so -- it could save you some serious money. Let’s be real, though. It’s probably not the first thing you think about when you wake up. But it doesn’t have to be.

A website announced Insure.com determines it super easy to equate automobile guarantee tolls. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using Insure.com, people have saved an average of $489 a year.

Yup. That "couldve been" $ 500 back in your pocket just for taking a few minutes to look at your options.

2. See if You’re Wasting $690/ Year on Homeowners Insurance

You’re probably squandering fund right now. And it’s probably on something you’d never expect -- your homeowners insurance policy. But if you’re living in a place where housing is more expensive, this is the one cost you can actually control.

This isn’t something you actively think about -- you just know you’re required to have it.

The problem is, you’re paying too much. Luckily, an insurance company called Policygenius constitutes it easy to find out how much you’re overpaying. It detects you cheaper policies and special discounts in minutes.

In fact, it saves useds an average of $690 a year -- or $57.50 a few months. It’ll even help you break up with your old insurance company.( You’re allowed to cancel your programme at any time, and your firm should question you a rebate .)

And really because you’re saving money doesn’t mean you’re skimping on coverage. Policygenius will make sure you have what you need.

Just answer a few questions about your residence is how much fund you’re wasting.

3. Stop Paying Your Credit Card Company

What does your credit card have to do with your cost of living? Well , no matter where you live, credit card debt fees can be keeping you from saving more coin and giving it somewhere smart.

And the truth is, your credit card company doesn’t really help. It’s exactly get rich by rip you off with high-pitched interest rates -- some up to 36%. But a website called AmOne wants to help.

If you owe your credit card business $50,000 or less, AmOne will parallel you with a low-interest loan you can use to pay off every single one of your balances.

The benefit? You’ll be left with one proposal to pay each month. And because personal credits have lower interest rates( AmOne proportions start at 3.49% APR ), you’ll get out of debt that much faster. Plus: No credit card payment this month.

You don’t need a excellent approval rating to get a loan -- and comparing your alternatives won’t affect your compose at all. Plus, AmOne prevents your knowledge confidential and secure, which is probably why after 20 times in business, it still has an A+ rating with the Better Business Bureau.

It takes less than a hour and simply 10 questions to see what lends you qualify for -- you don’t even need to enter your Social Security number. You do need to give AmOne a real phone number in order to qualify, but don’t worry -- they won’t spam you with phone calls.

4. Find Out If You’re Overpaying

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. And if you want to have a lower cost of living, you should be taking advantage of the lowest tolls available on the internet.

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 part is available for cheaper. Plus, you can get coupon codes, set up price-drop notifies and even investigate the item’s rate history.

Let’s say you’re shopping for a new TV, and you assume you’ve obtained the highest price. Here’s when you’ll get a pop up letting you know if that precise TV is available elsewhere for cheaper. If there are any accessible voucher codes, they’ll also automatically be applied to your order.

In the last year, this has saved people $160 million.

You can get started in merely a few clinks to see if you’re overpaying online.

Capital One Shopping compensates us when you get the extension using the links provided.

Kari Faber is a staff writer at The Penny Hoarder. She has only lived in the most expensive states the last 10 years and has definitely paid for it.

This was originally published on The Penny Hoarder, which aids millions of readers worldwide deserve and save money by sharing unique job opportunities, personal storeys, freebies and more. The Inc. 5000 graded The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Read more: autocreditsoftware.com

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