Are you spending money on things you don’t need to pay for? There are some things you can always get for free. Lower your living expenses by making sure you never pay for these four things.
Your Credit Report
It’s important to check your credit report at least once a year to make sure it doesn’t contain inaccurate information. You should never, however, pay for a copy of your report.
According to the Free Credit Reporting Act, you can request a free credit report once every 12 months from Experian, TransUnion and Equifax, the three largest credit reporting agencies in the United States.
Don’t confuse your credit report with your credit score. In most cases, you will have to pay a credit reporting agency to get your credit score. You can get a version of your free credit score from free services like Credit Karma.
You pay for Internet access in your home, but you should never pay for the public Wi-Fi that you use in restaurants, cafes and other businesses. Most businesses offer free Wi-Fi as a perk that attracts more customers. Even if you’re just paying for a cup of coffee, you should have free access to the network.
Rental Car Insurance
Many car rental companies will try to sell you additional insurance for a few dollars a day. That’s a waste of money in nearly every case.
Rental companies are already required to give you minimum liability coverage. It’s included in your rental agreement, so you don’t have to pay extra for it.
Even if you want additional coverage, you don’t need to pay the rental agency. Many credit cards give you extra coverage when you use them to rent cars. Your home insurance may even include liability coverage that will protect you while you travel.
You want to make sure you have adequate protection, of course, so use a credit card that covers rental cars. Also, check your home insurance policy to see what protection it offers.
Now that practically everyone has a mobile phone, you don’t need to worry about how much long-distance calls cost. If you still have a landline, just make sure you use a mobile device when calling outside of your area.
Most companies still charge for international calls, but that doesn’t mean you have to pay for them. Instead, use an app like Skype when you need to contact someone in another country. It’s free and you can talk to them face-to-face.
If anyone tries to charge you for these four things, it’s best to move on to another business. Free options are readily available, so don’t even think about giving someone money for them.