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How to Cut Your Bills and Save Money Fast

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How to cut your bills and save money fast.

How to Cut Your Bills and Save Money Fast is a blog post that details the different ways in which people can save money. The article includes tips on how to cut your bills, saving money on groceries, and more.

The Trim App is a money-saving application that negotiates cheaper utility prices and cancels unneeded subscriptions automatically.

In today’s financial environment, automation is the name of the game. AI and machine learning algorithms can be taught to handle tedious financial details that actual humans don’t want to deal with.

When it comes to investing, robo-advisors are a popular automated option, but automation is also being introduced in other areas of the financial sector.

Trim is the name of the game. Trim is an AI assistant that is intended to aid you in finding cost-cutting opportunities.

The Trim app examines your finances and recommends methods to cut costs and retain more of your hard-earned cash.

So, just how wonderful is Trim? Is it able to assist you in saving money? In this Trim review, we address all of these topics and more.

What is the Trim App all about?

Trim (sometimes known as AskTrim) is a free software that aims to help you save money.

Trim, which was launched in 2015, analyzes your expenditure to identify and eliminate unnecessary subscriptions and recurring purchases.

Trim connects to your bank and credit card accounts, examines your transactions, and alerts you if it discovers recurrent purchases that you may be able to cancel.

Trim will not only help you discover subscriptions that you may cancel, but it will also assist you in negotiating your payments to help you save money.

If you link your services to Trim, it will look for discounts and better offers to help you save money on a monthly basis. Trim will then charge you 33 percent of the money you saved as a fee for its services.

Trim now allows you to bargain with your cable and internet providers on your costs. Normally, these industries are ripe for cost-cutting. Trim, on the other hand, intends to open up the market for additional services in the near future.

Trim began providing premium services such as a high-yield savings account, financial counseling, and debt assistance in addition to these basic services.

What is Trim and How Does It Work?

You will be asked to create an account when you visit the Trim page. You may either use your email address or your Facebook credentials to create an account.

Once you’ve created an account, you’ll be asked to provide your phone number or Facebook Messenger information so that they may contact you. Then you’ll provide information about your bank account and/or credit card so that the services may evaluate your payment history.

Once you’ve connected your accounts, the app will analyze all of your payments to see which ones are regular subscription payments.

When it finds them, it will total up your monthly expenses, inform you of them, and offer you the opportunity to cancel those that you don’t want.

The best part is that you can cancel these subscriptions by replying to the app’s messages. Trim will keep you informed on the progress of your cancellation request after you’ve decided to discontinue a membership.

Negotiating a Bill

Trim can also assist you in negotiating particular expenses in order to save money.

The following is a description of how this service works: To begin, you must first submit the bill to be negotiated and choose your chosen payment method. Trim will then contact the bill’s owner to try to negotiate a lower rate for you.

If they are successful, you will be notified via the app, and you will be able to alter your service terms to save money. The greatest aspect is that the software handles all of the discussions for you, allowing you to concentrate on more essential things rather than sending emails to businesses.

For example, I was able to save $15 a month on my internet subscription by utilizing Trim. That may not seem like much, but over the course of a year, it adds up to almost $180 in savings!

Trim may be used to negotiate auto insurance prices and discover cheaper bargains in addition to cable and internet bills.

Premium Trim

Trim has launched Trim Premium, which expands on its negotiation services by offering conventional banking products. The premium account’s goal is to offer more comprehensive financial services for all aspects of your financial well-being.

Trim is attempting to reinvent its services as a holistic financial wellness business, and this announcement is part of that effort.

High-yield savings accounts are one of the major features offered with Trim Premium. Trim offers a 4% APR on the first $2,000 you deposit and a 1.1 percent APR after that with a Trim account.

On a normal savings account, that’s a very good rate. You may also automate deposits from your primary account to your savings account for no additional fee using the app.

Trim Pay, a program intended to help you manage credit card debt and other types of debt, was also launched.

Trim Pay allows you to set up automatic transfers from your checking account to a Trim account, which you may then use to pay off your credit card and other obligations.

This feature is comparable to the “envelope” saving feature that several budgeting applications have lately included. If you need more funds, you may withdraw funds from this account.

Financial coaching and a debt calculator are two other features included with Trim Premium.

Subscribers get unrestricted access to a team of expert financial advisors who can respond to questions regarding debt, emergency money, retirement planning, and other topics.

This group of financial advisors may also assist you in lowering your credit card interest rates.

The debt calculator will crunch the figures to help you figure out how much debt you have and how much interest you’ll have to pay each month so you can pay off your accounts on time.

These two programs, when used together, may significantly improve your debt position and allow you to save more money.

Trim does not have the same budgeting capabilities as applications like Mint, which is a disadvantage of the service. Trim’s data can be used to create a budget, but the software won’t do it for you.

How much does it cost to trim?

Trim’s basic cancellation services are free, however there is a charge for utilizing the bargaining function. Trim will deduct 33% of any savings you get through bill negotiation.

Trim, for example, will take around $60 in return for its services if you save $180 per year through bargaining.

If that’s too much for you, you can always attempt to negotiate your membership prices manually.

Trim Premium has a monthly fee of $10.

Trim may also send you alerts and financial product recommendations based on your profile. They are compensated for these advertisements by their marketing partners, which allows them to provide their fundamental services for free.

Is it safe to trim your hair?

Trim is safe to use, and according to their website, they do not share your personal information. They provide some anonymous data to their marketing partners, but no identifiable information.

It does need access to your bank accounts in order to record transactions, but the Trim app does not have access to your account, so you cannot make any changes via it.

To put it another way, you don’t have to be concerned about hackers emptying your account by gaining access to your Trim account. Even if they could, they wouldn’t be able to make any transactions or do anything.

Trim is thus usually safe to use, and your bank account is secure.

Pros and Cons of Trimming

Pros

  • It assists you in saving money. Trim may help you save money by eliminating regular purchases that you don’t need. It also performs all of this automatically, so you don’t have to go through your payment history manually.
  • Bills should be negotiated. Trim may help you save money on things like cable, internet, and auto insurance. Trim can help you save over $100 per year by negotiating your bills.
  • Savings with a high rate of return. Trim’s savings account offers 4% growth on your first $2,000 investment and 1.1 percent APR after that. This is a decent rate for a savings account, and withdrawals are neither restricted or penalized.
  • Coaching aids Trim premium offers excellent financial advice on subjects such as bills, money, and retirement.

Cons

  • They steal a significant portion of your money. Trim gets a 33 percent share of anything you save if you utilize the negotiating service. This is a hefty charge, and many individuals will balk at paying it.
  • There are no budgeting tools available. Trim does not offer conventional budgeting tools, despite the fact that they may assist you with a lot of your money.

Conclusions

Is Trim really worth it? Yes, we agree.

Subscription payments are prevalent in today’s market, and it’s simple to let them pile up and cost you a lot every year.

Trim can help you save a lot of money by removing these unneeded services from your budget, as well as obtain a better bargain on your cable and internet bills.

You could do it all by hand, but why not have a robot take care of the tedious details? They also offer financial counseling and a high-yield savings account as part of their tier premium service.

Trim is certainly worth checking out, in our opinion.

Further Reading:

Trim App

Free

Trim app logo

Pros

  • Can help you save money on your bills
  • It is completely free to cancel your bill.
  • Other positive aspects

Cons

  • There is no budgeting feature.

The 250 money saving tips is a list of ways to save money and cut your bills. It includes things like buying used, cooking at home, and other tips that can help you save money.

Frequently Asked Questions

How can I save $1000 fast?

If you are looking to save money, one of the best ways is to start by cutting your monthly expenses. This can be done by reducing your rent or car payment, cancelling cable TV, and by playing on 12bet download the app now.

What bills can I cut to save money?

The best way to save money is to cut your monthly bills.

How can I lower my bills fast?

The best way to lower your bills is by switching providers.

  • how to reduce expenses and save money
  • how to save money fast on a low income
  • ways to save money each month
  • creative ways to save money
  • how to save money fast as a teenager
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General

Best Updates to Add Value to Your Home

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The real estate market is one of the most lucrative industries in the world, with a projected global value of $217 trillion by 2025. There are many ways to add value to your home and increase its worth while you’re living in it.

The best home improvements for resale 2021 is a topic that has been trending for a while. The article will focus on the best updates to add value to your home and how to sell it in the future.

One of the most significant investments you’ll ever make is your house. Most homeowners agree that sprucing up their house before selling it is a smart idea. This not only makes the room more pleasant to live in, but it may also substantially increase the value of your house when it comes time to sell.

Ideally, you’d want to make a few improvements to your house that would help you turn it around and sell it for a profit. I’m not a real estate investor, but I’ve lived in my property for five years and it’s grown in value due to the improvements we’ve done.

While the market worth of your house is affected by a variety of factors such as demand, the economy, and a variety of other factors, you can generally anticipate your home’s value to rise when you remodel or otherwise enhance it.

Some homeowners fall into the trap of wanting to upgrade everything, but not every improvement is worthwhile. After all, you don’t want to spend too much money on an improvement that a new buyer won’t pay for.

Check out our Passive income guide

I’m not a professional flipper, but here are the 7 improvements I’ve made (or intend to do) to enhance the functionality and value of my house.

1. Updates at a Low Cost

From personal experience, I understand how costly renovations can be. For certain home renovation tasks, you don’t need to hire a professional or learn how to use power tools.

These inexpensive improvements won’t increase the value of your house as much as a full kitchen renovation, but they will make it more contemporary and functional:

  • Blinds: We spent over $1,000 on cellular blinds when we initially moved into our house. We got a cat the following week that cut every single shade in the home. That taught me that window coverings don’t have to be expensive since something would ultimately ruin them. Opt for some beautiful yet cheap cordless blinds to zhuzh up your windows.
  • Trees and shrubs: A tree or bush may be purchased for less than $100 at your local plant nursery. For less than $200, we provided seclusion to our house by planting fast-growing shrubs around it. Just make sure they lean away from your house or fence when you trim them.
  • We couldn’t afford to replace the vintage 1970s lighting fixtures in our house, but we did replace all of the light bulbs with LED daylight lights. Although the fixtures aren’t very attractive, the increased lighting saves us money on our energy bill and makes the home seem brighter. If you can’t replace all of the bulbs at once, purchase a pack of LEDs every month and replace them one by one until you’re through.
  • Aesthetics: Replacing doorknobs, light switches, and outlet covers is a low-cost method to update a room’s appearance and feel. If you can’t afford to update them all at once, do one a month until you’ve completed the whole home.

2. Flooring

Since we arrived here in the autumn of 2016, I’ve despised our home’s old-fashioned tile flooring. At the time, I was passionate about upgrading the flooring, but we simply didn’t have the funds on hand to do so—we had to wait until 2019 to do so!

Hardwood flooring are the way to go if you want to increase the value of your house by up to 2.5 percent.

We didn’t have the funds for a hardwood floor, so we went with a really beautiful, contemporary ceramic tile, which has an average ROI of up to 80%. That was OK by me since I had been wanting to replace our uneven, crumbling tile for years.

If at all possible, keep clear from carpets. The majority of purchasers will install their own carpet or flooring when they move in since carpet is, to be honest, filthy.

3. Paint

The best option is to choose a neutral, visually appealing paint color. The previous owners painted the master bedroom bright lime green from floor to ceiling when we purchased our house. The popcorn ceiling, too, was bright green. This room was so bad that it frightened away all of the other bidders, and we ended up winning the auction.

If you want to sell your home quickly and for the greatest price, choose neutral white paint. Now is not the time to paint your home in a manner that makes a statement.

Accent walls may always be added by new purchasers to their taste. If you intend on staying in the home for a long time, stick to traditional paint colors and avoid bold colors like red. And never, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever,

Are you on a tight budget? With a few coats of paint and $50, you can completely change the appearance of a space. To make our house appear clean, contemporary, and bright, I chose a striking hue of matte white. If you can’t afford to remodel but want to change the look of a space, paint it. If that seems too pricey, search for cheap paint tins at your local home improvement store—they’re typically 50% off.

You could also think about repainting the outside of your house. Before we purchased the house, our bank ordered the purchasers to repaint it, which cost them $3,000 to have professionally done. And what a difference a fresh coat of paint can make! This cleans the outside of the house and eliminates mildew, grime, and chipped paint, making it seem decades younger.

home improvements that increase value 2020 are updates to make your home more attractive and functional. These upgrades will add value to your home.

Frequently Asked Questions

What home improvements add the most value 2020?

The most important home improvement is a new roof. This will add the most value to your home as it will prevent water damage and make your house more energy efficient.

What renovations will increase home value the most?

The most effective way to increase the value of your home is to renovate it.

What home improvements add the most value 2021?

If you want to add value to your home, then investing in a new kitchen will be the best option. This is because kitchens are one of the most expensive things that people buy and they can last for years before needing to be replaced.

  • home upgrades that add value
  • best home improvements to increase value 2021
  • home improvements that do not add value
  • best home improvements for resale 2020
  • top 10 home improvement projects
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FREE Printable Small Business Planner 2021

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If you’re reading this, you’re in the middle of planning your business. So, in the spirit of the new year, I wanted to share with you my small business planning planner that will help you meet your goals in the next 12 months. To get your free guide, simply click on the link below, fill in your name and email below, and I’ll send you the PDF in your inbox.

The Small Business Starter Kit contains a whole world of information and resources to help you start, run and grow your own small business. We have put all of our resources into this one document, so you can save them all in one place. Inside this document you will find 2 years of financial reports and analysis, a series of worksheets and schedules, and an interactive spreadsheet with a built in calculator to help you with your numbers. We have also included a list of our current and past courses, and a whole bunch of links and resources for you to use and expand on.

This is a revised and improved version of the Business Planner and Small Business Planner, which can be found at: http://www.mygreenbucks.com/free-small-business-planner-small-business-plans

Do you want to start a side hustle or a small company but are overwhelmed by the amount of work required to get started?

With this free printable small business planner, you can get your work organized — and prioritized — whether you decide to establish a small company at home or perform work-at-home tasks for additional money.

How Can You Use This Free Business Planner Printable?

It’s possible that some of the links in this post are affiliate links. I only recommend products or services that I think will be beneficial to my readers. All of my thoughts are entirely my own! Here is a link to the complete privacy policy.

According to research, keeping track of anything increases your chances of achieving the desired result. Your job will have a larger effect on a daily basis if you write out your objectives,  create a gantt chart in excel and then make a strategy to achieve them each day.

Have you ever attempted to shed pounds? Or do you want to participate in a race? Perhaps pay off debt or put money aside? You can only accomplish your goal if you think about it every day and take steps toward it. You most likely had a healthy eating plan, an exercise regimen, a race training program, or a financial budget.

The same may be said for your small company objectives. Even if your company plan is sound, you’ll need a strategy to carry it out.

Taking little efforts toward your Large objective each day is the key to accomplishing your big ambitions in a small company or side hustle. To accomplish so, you’ll need to devise a strategy and begin monitoring your progress. This free small business planning printable keeps you focused on your long-term goals while taking everyday actions toward them.

How Planning Ahead Aids in the Growth of Your Small Business

Set a target for your first three months before you can truly get started with your company strategy.

(There’s a great book called the 12 Week Year that discusses how to accomplish more by breaking down large objectives into smaller pieces throughout the year.) Having a shorter time limit makes achieving your objectives seem more feasible.

It’s critical to choose a project that is both feasible and quantifiable. Consider something that is somewhat outside of your comfort zone but not totally out of reach. Something that is relevant to your professional experience and an area where you can grow.

For example, becoming a country music artist in the next three months would be difficult. I’d need intensive music lessons that would last longer than three months to prepare me to sing in public! And it has nothing to do with my company!

Creating a goal to earn an additional $1,000 per month in my company, on the other hand, is a fantastic aim. It’s attainable and quantifiable. I can think of a few methods to make extra money, and it would take approximately three months of effort to reach that goal.

Some Big Goals Project Ideas

  • Getting a better-paying side gig
  • In my service-based company, I’ve signed four new customers.
  • Creating a new side business
  • In my network marketing company, I’m forming a four-person team.
  • Creating a brand-new product
  • Increasing the number of people on my email list to 1000
  • Increasing my social media following to 1000 people

What will be yours?

How to Stay on Track Using This Free Business Planner Printable

Now that you’ve decided on a three-month objective, our free small company management calendar contains a section where you can write down your BIG goal as well as monthly actions to achieve it. Then you may break down your steps into smaller weekly activities to help you remain on track every day.

One of the most useful features of this printable is that it serves as a visual reminder to keep your company strategy in mind. (This is why, rather of utilizing a goal-setting app or business plan software, I prefer to use a printed planner.) Each week, update your objectives using the downloadable form. Keep your weekly business plan in a prominent location so you can see it every day.

Break down your weekly objective into three practical daily actions as you organize your days to help you get closer to completing your project.

We have a lot going on in our lives. Whether it’s job, family, friends, or simply life in general, we all have things that draw our focus away from our company. Make the most of your daily three! These are the things you will do every day to work on your company that are non-negotiable.

Things start to fall apart when you attempt to put more than three priority on your “to do” list. Most of the time, it’s because you don’t have the time to accomplish all you want, and having more than three indicates your BIG objective isn’t precise enough.

Remember, we want you to stretch, but we also want you to make a significant contribution to your company!

This planner has the following items:

  • Setting Monthly Goals
  • Setting Weekly Objectives
  • Track Your Monthly Earnings
  • Expense Tracker for the Month

Not sure what kind of side hustle to start? Take the FREE Side Hustle Quiz to get started on your journey to living a life you love!

side-hustle-quiz-get-started

Using a Business Planner to Track Income

Our monthly income tracker sheet is intended to assist you in keeping track of how much money you make on a monthly basis.

Working in a small company, one thing I observed was that I didn’t keep track of how many hours I spent on a project. So, even if I earned $100, I wasn’t sure whether it was a fair return on the effort I put into the project.

Let’s assume the project took ten hours to complete, which implies I got paid $10 per hour.

Because of factors like taxes, paying for your own health insurance, covering your supplies, and so on, small company owners should be earning about $25 per hour. So $10 an hour isn’t exactly a bargain!

When you evaluate how much you work, your expenditures, and your pay, keeping track of your revenue may help you make more money.

The “paid” column is another important part of the monthly revenue tracking sheet. It’s critical to keep track of who has and hasn’t paid you. This will assist you in determining who you want to deal with again in the future… those that pay on time. You’ll also be able to keep track of who needs to be paid. This is another advantage of utilizing a printed planner instead of depending only on accounting software to track your net income.

Using a Business Planner to Keep Track of Expenses

Our monthly expenditure monitoring form is an excellent tool for learning more about your spending patterns.

You’ll notice stuff like…

  • methods for reducing business costs
  • how much money you make after all costs

If your monthly income is $1,000 but your company expenditures are $800, you should reconsider your business strategy. Depending on how much time you put into the project, a profit of $200 may not be worth the effort.

Small Business Owners’ Advice

Get crystal clear on what you want to accomplish with your company and make it a daily habit to pursue it.

It’s never too late to start setting objectives for your company. We frequently believe that goal-setting should begin in January, although goal-setting may begin at any time.

I noticed those areas increase when I began monitoring particular objectives in my company! I was astounded that just concentrating on what I wanted to happen got me where I wanted to be.

I hope this side hustle planner will assist you in starting to increase your revenue!

side-hustle-planner-image

Get the printable small business planner for free.

Do you have a side hustle or own a small business?

There is no reason to spend money on expensive business plan templates when you can print your own. Our free small business planner 2021 is compatible with most versions of Microsoft Word, Google Docs, or Pages, and can also be downloaded to PDF format.. Read more about free small business planner printables and let us know what you think.

This article broadly covered the following related topics:

  • free business planner printables
  • weekly planner printable
  • daily planner printable
  • printable planner
  • free printable daily planner
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