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10 Effective Ways to Lower Your Bills

At O1ne Mortgage, we understand the importance of managing your finances effectively. Here are 10 practical strategies to help you reduce your bills and save money. For any mortgage-related needs, feel free to call us at 213-732-3074.

1. Negotiate Your Bills

Negotiating your bills can help you take advantage of introductory packages or credits to lower your costs. Contact customer service at providers such as your cable, internet, or phone companies to negotiate your bills.

2. Switch to a Fixed Pricing Plan

Your service providers may offer a fixed pricing plan or time-of-use plan. For bills like your electricity usage, these types of plans can help you buy cheaper energy. Check with your providers to see if they offer fixed pricing plans in your area.

3. Downgrade Service

Sometimes less really is more. This can be true for a variety of services you may be paying for, like your internet or cable packages. By dropping to a lower-speed option, you may save.

4. Use Efficient Appliances

Upgrading your appliances or light bulbs may help you save money over time. These appliances use less energy, saving you on things like electricity and gas. If you can’t update to a more efficient appliance, consider just not using them altogether.

5. Rotate Services

Some of your discretionary bills may be reduced by rotating them. For example, if you pay for several streaming services, consider suspending all but one service each month. Supplement with free versions like music on YouTube or TV on Hoopla.

6. Refinance Loans

Refinancing loans can bring about an immediate reduction in your payment amount for things like car loans or mortgages. Ensure interest rates are lower than your current rate and that your credit score is in good shape before applying for a refinance.

7. Use a Balance Transfer Card

If it’s a credit card bill you’re looking to lower, consider a balance transfer card. A balance transfer card makes it possible to transfer your current credit card balance to a new card with a lower—or even introductory 0%—annual percentage rate (APR).

8. Bundle Products

For bills such as your car insurance and home insurance or your cable and internet, bundling multiple products from one provider could result in discounts. Being strategic about finding these services from a single provider that will bundle could save you big time.

9. Get a Family Plan

Sharing your cellphone bill with family members can save a bundle. You don’t all have to live at the same address to qualify for a family plan. Save on each monthly bill by getting your parents, siblings, and spouse on one plan.

10. Shop Around

Sometimes lowering your bills is as simple as shopping around to see what else is out there. You may find that another company has a better billing structure or introductory package that can help you save when you switch.

For more personalized advice and assistance with your mortgage needs, contact O1ne Mortgage at 213-732-3074. We’re here to help you achieve your financial goals.

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