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  • You’ve done what you can to cut back your spending.

    You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

    But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones we’re talking about: rent, utilities, cell phone bill, insurance, groceries…

    Although we can’t swipe these off the table for you, we can stop you from OVERPAYING them…

    1. Stop Overpaying at Amazon

    Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or Target and are about to overpay?

    That’s exactly what this free service does.

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

    Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon 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 just a few clicks to see if you’re overpaying online.

    2. Cancel Your Car Insurance

    Here’s the thing: your current car insurance company is probably overcharging you. But don’t waste your time hopping around to different insurance companies looking for a better deal.

    Use a website called EverQuote to see all your options at once.

    EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

    Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

    3. Get a Refund from Walmart, Macy’s and Other Stores

    Chances are you do some of your shopping online. Whether it’s pet food from Walmart, a new outfit from Macy’s or even a flight home for summer vacation, you’re probably leaving money on the table.

    A free website called Rakuten has the hookup with just about every online store you shop, which means it can give you up to 40% cash back every time you buy something.

    We spoke to one Penny Hoarder reader, Colleen Rice, who has earned more than $526.44 since she joined Rakuten. For doing nothing. Seriously.

    Rice says she uses Rakuten for things she already has to buy, like rental cars and flights.

    It takes less than 60 seconds to create a Rakuten account and start shopping. All you need is an email address, then you can immediately start earning cashback at your go-to stores through the site.

    Your cash will be deposited directly into your bank account or via a check in the mail every few months. Talk about money for nothing.

    4. Ask This Website to Help Pay Your Credit Card Bills This Month

    If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

    And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called AmOne wants to help.

    If you owe your credit card companies $50,000 or less, AmOne will match 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 bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 2.49% APR), you’ll get out of debt that much faster. Plus: No credit card payment this month.

    Plus, AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.

    It takes less than a minute and just 10 questions to see what loans 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.

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