Reduce Your Monthly Bills Effortlessly

What if I told that you that I could save you thousands of dollars by reducing some of your major monthly bills?  

What if I also told you that I could give you the same service, for half the price, with more flexibility?

I’m guessing you probably wouldn’t believe me.

Perhaps our lack of belief that we could have the same services for half the price is why so many of us refuse to look at the competition (and therefore improve the competition even more).

Well, I’m here to tell you to look at the prepaid competition.. because it’s reliable, fully covered, and can save you incredible money.

I have saved tens of thousands of dollars by doing this over the span of the last 5 years. The key is to hop around.

For example:

  1. I replaced my satellite with alternatives: saved 50.00/mo

  2. I utilize Cricket Wireless instead of Verizon or AT&T: saved $130.00/mo

  3. I started shopping at Costco (estimated savings): saved $50.00/mo

  4. I shopped for better insurance premiums: saved 200 a year or $16.00/mo

  • Total savings for 1 year: roughly $2,352.

  • Savings for 2 years: $4,704

All from a few minor changes.

Even if saving isn't your forte, having that extra money for you to enjoy is well worth reading the article  below.  Just through the implementation of a few of these suggestions, you could added a nice chunk of change to your life, by giving up practically nothing. 


This is the number one way people can reduce their monthly bills and literally get the same service.

I pay $35 flat for my wireless line (which includes talk and text) and 5 GB of data.  This includes taxes and fees rolled in. So my total bill is literally $35 and not a penny over.

*As of 2018 I pay $50 for unlimited data (LTE), unlimited talk and text, international roaming and nationwide coverage.

If you have Verizon, AT&T, T-Mobile or Sprint you could very likely benefit from switching to their prepaid MVNO networks. They run on the same tower networks, at half the cost and no contract.

MVNO networks include companies like:

  • Straight Talk

  • Total Wireless

  • Cricket Wireless

  • Boost Mobile

  • Metro PCS

  • TracFone

  • Net10

and the list goes on and on.  They work by renting tower space from any of the big 4, rather then building their own.  Some of them offer higher data and speeds while others offer better coverage (like those who rent space from AT&T and Verizon).  The MVNO networks have grown by leaps in bounds in the last couple of years.. thankfully due to people seeing how much they can save and therefore creating a demand for them.  In fact, much of the price drop from the big 4 is driven by the prepaid market. 

Networks like Verizon and AT&T destroy you with high taxes and fees, but if you don't pay attention to your bill you probably haven't even noticed just how high they are.  Remember, when you sign up for service with one of the 'Big 4'  they  aren't going to advertise these extra fees to you.

The information below is based off of November 2018 updates.


Cricket wireless is an MVNO of AT&T. Therefore, if you already have AT&T or have adequate service on the network, then Cricket is a great option for you. A few key benefits of Cricket Wireless include:

  • Taxes and fees are included (the prices you see are the prices you pay)

  • International Roaming in Mexico and Canada on mid tier plans and higher (I roam in Canada a lot!)

  • Unlimited LTE plans are available

  • Mobile Hotspot is an option for $10

  • Any unlocked phone works (plus they sell the latest and greatest on their website as well)

Cheapest Plan: Talk and text with no data - $25

Best Individual Plan: Unlimited talk and text, 5 GB of data - $35 with autopay or multiple-line discount

Best Family Plan: Unlimited talk and text, unlimited data (throttled at 3 Mbps) - $100 total ($25 per line).

Cricket is my provider of choice. Not only is it cheap, have great coverage with AT&T (I live in very rural America) but also gives me freedom as a freelancer to Internationally Roam in North American but also use hotspot. Two features that are very important to me.


Total wireless is another option that can save you incredible money. First of all,


Have you been a victim of signing up for a satellite company and thinking your receiving a big promotional rate? Then, after 6 months or a year, you realize that on the  your bill somehow doubles? This deal you think is great when you sign up is somehow NOT when you are paying $100 for what you originally had for $50?  

Here is how you can either fix, or avoid that situation all together:

Image from SlingTV: a great option for basic TV for a low price. Courtesy of

  • Call your provider and threaten to leave: As irrational as this may sound, will work, I promise. Set up a time to cancel service (before the end of your month so you have some cushion) and hang up the phone. You WILL get a call within the next week (so if they don't offer it right away, don't panic) promising to renew your "promotion" and your bill will go back to its original price (in my case it was $50). Therefore, I saved $50 a month or roughly $600 a year, until I dropped it all together).

  • Switch providers: When I was with DirectTV, I received promotional offers from Dish Network. This included a $200 gift card and $20 a month plans.. it was incredible. I highly contemplated switching but then I discovered the new thing called...

  • Cable cutting: Cable cutting means no contract and no crap. Cheap services with only the channels I need, through my internet! I was sold! Options like SlingTV, Playstation Vue, DirecTV now have no contract, no hassle options - simple and cheap. Prices range from $20 to $65 + depending on how many channels you want. Then there is the nothing but Netflix (or hulu, or any pay on demand service) which costs a whopping $7.

  • Piggyback off of someone you know: If your friends or family have a Dish or DirecTV account, you most certainly can use their online privileges to watch the live TV you love. All you need is a Roku, Amazon Fire, Google Chromecast, AppleTV, or a smart TV (literally any - or just a computer if you prefer) and you are on your way to watching your favorite shows for free.

    • What do you need? Their username and password. You will be asked to verify your device (which takes 1 minute, literally) and you are all set! Great TV for free! This is how we watch all of our NFL games!


I wrote an entire article on how you can save money and save time by utilizing services such as Amazon Prime and Ebates.  You can read that article here (or click on the image to the right).  

However, if internet isn't your forte - then perhaps shopping at wholesale stores are.  Sam's Club and Costco are two fantastic resources for buying food and household supplies for cheap.

Some of the things that I have found saving myself a significant amount of money on includes food such as chicken, individual chip bags, coffee (You can find the Keurigs for .30 cents a piece in bulk, try to beat that at Walmart) socks, laundry detergent, garbage bags.. and the list goes on and on. 


SHOP AROUND. Shop for new premiums on your car, your house, your toys... you name it.  Premiums change all of the time, especially with our changing lives.  I have saved hundreds of dollars by checking for better premiums every year.  Don't always trust your insurance agent, do it for yourself so you know you are getting the BEST deal.  Additionally, you could ask your insurance agent (if its competing) to do a new search. Don't have a new vehicle (or lease or finance)? Then drop your insurance coverage to liability.  


Credit cards can help you save money by offering cash back (or any rewards) on products you already are going to by. For example, you always need to buy groceries. It doesn’t matter what you try to eliminate or change, you will have to buy food.