15 ways to save money in California

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It is no secret that the cost of living in California is very high. Therefore, many residents of this state are looking for ways to save money.

Edition The Penny Hoarder compiled a list of tips on how to cut costs in California.

Savings in accounts

Yes, payment of bills cannot be ignored and must be made on time, but there are ways to reduce them.

1. Get rewarded for turning off the lights

Free service Ohmconnect help you get extra rewards for saving energy. If you are supplied with electricity by PG&E, SDG & E or Southern california edison, they reward you with up to 300 dollars a year for energy savings during Ohmhoursabout which the app will tell you.

Ohmhours are specific hours when the energy grid is overloaded and at risk of failure.

Ohmhours usually occur once or twice a week in the mornings and evenings. If you are a user OhmconnectYou will receive information about Ohmhours by sms or email. After receiving the signal, you need to reduce power consumption by about 30 minutes by turning off the lights and electrical appliances or disconnecting the batteries.

Thereafter Ohmconnect show you how helpful your help was.

2. Get rid of unnecessary bills

Many of us pay for extremely rarely used gym memberships, which have long been wanted to cancel; pay for Netflix, although predominantly use HBO; they continue to receive a journal that they subscribed to many years ago and now almost do not read.

Cancellation of a subscription is usually made very slowly, often users are not even aware that some of their subscriptions have been renewed or created automatically.

For this there is a tool Trim — an automated financial assistant that can be used in the application Facebook Messenger.

After downloading it (for free), you will be able to see what specific services you pay for each month, and cancel unnecessary services.

3. Car ownership

First you need to assess whether you really need a car, or you can do with public transport.

Parking, gas, insurance - all this can cost a pretty penny.

If you still decide that you need a car, choose the right insurance.

If you drive a little, then pay-per-mile insurance may be useful to you, for example, Metromile.

According to Metromile, about 65% of drivers overpay for car insurance, companies do it to balance their expenses and the expenses of those who travel a lot.

For example, if you drive only 5000 miles per year, with insurance per mile, you can save 500 dollars, according to calculations Metromile.

4. Reduce your student debt

Student debt is an epidemic sweeping the country. It makes up a significant portion of monthly bills.

Therefore, it is worth considering the possibility of lowering interest rates by refinancing student loan debt with the help of the company. Credible.

This organization can help reduce monthly payments by almost half.

If you are not interested in refinancing, you have other options. You can take small steps to pay off your debts using the app. Qoins.

Qoins automatically rounds your expenses and sends payments to pay off your debt faster. According to the website of the application, its users paid off the student loan debt on average two years faster, thus saving on interest.

The cost of the service is 1,99 dollars per month, which is less than the final amount of savings.

5. Refuse cable television

Most likely you are watching Netflix more than cable television, which can cost you an extra $ 1 188 per year.

So why not just give it up. Especially because your favorite TV shows can be found on the Internet or on Netflix.

Housing savings

6. Rate rental or home purchase options

The question is: rent or buy a house is unlikely to be solved once and for all, therefore everyone should make a decision for himself.

But, given the fact that housing prices have recently increased greatly, and home ownership is often associated with additional costs, the assessment of real costs from rent and purchase should be approached very reasonably.

7. Find flatmates

A roommate can significantly reduce the price you pay for rental housing, or help you pay a monthly mortgage when you buy a home.

8. Rent a place for temporary rent

If you don’t want a flatmate, but you have a spare room, and you don’t mind temporarily giving it to someone for extra money, register for airbnb.

If you develop a good reputation on the portal, then in a year you will be able to earn from a few hundred to several thousand dollars.

Saving on goods

No matter where you live, your spending on food is likely to always be more than you would like. But they can be reduced.

9. Refund

application Ibotta helps you make money on purchases.

Before you go to the grocery store, open the app and find your store.

Check out cash back offers at this outlet. If you need something from the products listed there, buy them.

As soon as you get home with the products, take a photo of your receipt and upload it to the app. Money will come to your account Ibotta for 48 hours.

The app also provides for a reward in 10 dollars for registering in it.

10. Save money in restaurants

After the waiter at the restaurant has brought you an invoice, open the app. Subtotal, find in it the place where you had lunch, enter the invoice amount and pay it through the application.

Thereafter Subtotal will create a barcode that you show the waiter.

Using this free app, you can get a refund of up to 10% in restaurant money, which is automatically credited to your credit or debit card during the week.

11. Get a refund for all purchases

Sometimes a waste of money is inevitable, in such situations it is worth using a credit card with a refund.

Typically, these cards offer a reward after you spend a certain amount for a certain period of time, and also from 1 to 5% refund for each purchase.

12. Coupons

Modern coupons do not require to cut them and store in a wallet, they have now become digital.

application Retale collects coupons from the newspaper you receive and stores them in digital form.

Another option for digital couponing is Ebates. This application offers consumers a discount of up to 40% in more than 2 000 online stores.

When you subscribe to Ebates, you will receive a bonus of 10 dollars.

13. Do not refuse organic products.

If you prefer organic food, you should not abandon it for the sake of economy.

One of our best ways to save on organic food is through the online marketplace Thrive. It offers great deals on organic products, discounts can sometimes exceed 30%.

In addition, after registering for Thrive market You will receive an automatic discount of 20 dollars on your first three orders. You will also receive a free 30-day trial. After that, the app will cost you $ 59,99 per year.

How to make more money

14. Use travel sharing apps

To do this, you can register on Uber or Lyft, as well as on any other portal where people need transport services.

15. Experience HopSkipDrive

HopSkipDrive is a transportation service, but only for children and the elderly.

You can earn up to 30 dollars per hour as Caredriver. The service is active in Los Angeles, Orange County and the San Francisco area.

Read also on ForumDaily:

20 ways to save on purchases at Costco

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8 ways to save money on Amazon

How much can you save if you put off $ 1 for a lifetime?

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