I'm all about snagging the best deals and saving big bucks. I often find myself diving deep into conversations to uncover how much people are unknowingly overspending.
Turns out, most of us are paying way more than we should for stuff almost every day.
Here are the 21 dumbest things we keep spending too much money on, and how you can save by steering clear of these pitfalls.
(Psst... this page has special links that make me a little money when you click on them, so feel free to click generously!)
Ditch the high car insurance bill and watch the family fun fund grow. New bikes, movie nights, fancy meals – suddenly creating memorable moments becomes more affordable.
Believe it or not, the average American family still overspends by $400/year¹ on car insurance.
Here’s how to quickly see if you are being overcharged or paying too much (takes maybe a couple minutes):
That’s literally it. You’ll likely save yourself a bunch of money.
See how much you can save on car insurance »
Think you're getting the best deal on Amazon or other big stores? Think again. These stores count on you being too busy to hunt for better deals. Capital One Shopping is a free browser extension that does two simple but awesome things:
Listen, I usually avoid adding things to my browser, but this one's worth it.
Here's a quick example: I was about to buy Apple Airpods, but this tool found it $114.55 cheaper somewhere else. And yes, it got here fast!
So before you buy anything on this list, do yourself a favor and get this tool. Last year alone, people saved a whopping $1 billion using it. You don't want to miss out, trust me.
Did you know that old windows are one of the biggest factors that drive up your home electricity bills?
This new website is a game-changer for homeowners looking to replace their windows but not wanting to break the bank. They bring the best, fully insured vendors in your area into a bidding war to win your business, ensuring you get the lowest possible price without compromising on quality.
Score massive savings on your window replacement by securing special rebates, discounts, and incentives that are available in your area.
If you meet these 3 requirements, you may be eligible for huge savings:
1. Own a home.
2. Have windows that are over 6 years old.
3. Live in a qualified zip code.
Don't expect banks to tell you this, but they can't stop you from doing it either...
Still unknown to many is a brilliant insured refi plan called the FHA Cash-Out Plan (FaCOP) that could benefit millions of Americans and give them up to $185,000 in cash to use however they'd like!
You could bet that the banks aren't too thrilled about losing all that profit from high interest loans and might secretly hope you don't find out before this program ends for good.
Americans are paying for their home renovations, funding their businesses, paying off debts & even taking vacations - All thanks to this "cash out" option that is now available. Inflation is through the roof right now and smart Americans are using this program to get up to $185,000 in cash.
There is NO COST to see if you qualify.
Are you tired of missing important conversations with friends and loved ones? You're not alone!
Join millions of Americans who've upgraded their hearing with the revolutionary Horizon hearing aids, by hear.com.
Developed by top German engineers, formerly of Siemens, this sleek, nearly invisible device is an absolute game-changer for ears of all ages! You'll enjoy crystal-clear conversations with its remarkable Speech Focus feature, or maybe you'd rather unwind with soothing ocean sounds in Relax Mode.
Forget your everyday battery hassles; Horizon lasts up to 19 hours and withstands issues like moisture or dirty.
Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.
A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.
Surveys last 5 to 15 minutes, and you can easily cash out with just $5 through PayPal, your bank, a gift card, or Amazon. You'll see your rewards within 48 hours, just for sharing your thoughts!
It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.
Your home is one of the largest financial investments you'll make in your lifetime. But it's also an investment that's vulnerable to risk. From water damage, to liability from injuries, to theft — it's important to have insurance in place to safeguard your family and home from financial risk.
Homeowner insurance safeguards your home from a multitude of hazards, including wind damage, fire, vandalism, tornadoes, hurricanes, and thunderstorms. We've partnered with one of the top sites to search for reliable homeowners insurance. Simply enter your zip, along with some basic information and they can find you the best rate from multiple companies.
Protip: If you have already paid your homeowners insurance premium for the year, if you replace with another provider, they will typically refund any unused portion. This means it pays to switch today.
It is no secret that the price of electricity is steadily increasing each year, but thanks to this new Nikola-Tesla-inspired technology, consumers can save hundreds to thousands of dollars every year on their electric bills.
Simply plug the device into any wall outlet, and it begins to re-amp your home’s electric currents. The result is more efficient power distribution and usage, that you benefit from in the form of lower meter readings.
With expensive repair costs at the auto body shop, people have been flocking to a product that lets them save hundreds of dollars while protecting their cars from rust for years at a time…
Clean scuffs, stains & scratches with one simple cloth. Even though it has the appearance of a regular wash cloth, it’s imbued with nanotechnology, which is a fancy way of saying that it contains a super-fine metallic powder (hence the “nano” name) that buffs out scratches without damaging the paint.
Tired of squinting trying to read your phone or laptop? Sick of not being able to see people, wildlife, and objects in the distance?
Flex Focus are revolutionary new reading glasses that do wonders for both up close and far away.
These remarkable, yet highly affordable, reading glasses are fully ADJUSTABLE... Simply use the little dials on the sides of the lenses to adjust the magnification. It takes just seconds to dial in the perfect custom magnification for super clear up-close reading and handy work. Then dial again to see distant objects with complete clarity.
MiniGuard Cam is a compact yet powerful device that offers cutting-edge features without any installation or subscription costs. Enjoy crystal-clear, full HD recordings and live feeds with a 150° ultra-wide-angle lens that captures every corner, day or night, thanks to its superior LED night vision. The magnetized base ensures easy installation on any surface—indoors or outdoors—without the need for cables or batteries.
Monitor your home from your smartphone or computer with user-friendly apps available for both iOS Android. Engage in two-way audio communication, receive instant alerts, and enjoy the peace of mind.
MiniGuard Cam is the smart, portable solution that saves you hundreds annually, making it the most cost-effective upgrade to your home's security.
Loophole finally revealed on how do beat the system and win the lottery over and over again.
Only a few people are using this method and it has been kept a secret until now.
Click the link below to watch a short video that will show you exactly how simple this actually is. You can get started today.
This nationwide debt relief program is helping millions of Americans to resolve their credit card debt. Settle over $20,000 of your debts without taking out more loans. You could become debt-free in as little as 12-48 months with one low monthly program payment.
If you have more than $20,000 in debt then this is something you should do right away, compounding interest is NOT your friend.
Are you tired of watching your hard-earned money go down the drain, literally, with countless cleaning supplies that promise the world but deliver so little?
Meet the revolution in home maintenance – the Synoshi Power Spin Scrubber. Engineered by genius minds in Japan, this handheld marvel replaces a whole closet of cleaning tools, ensuring you clean more efficiently and economically.
Imagine the savings, not just in money but in time too. Why spend hours scrubbing when the Synoshi can whirl away grime in minutes?
This "7-Second Abundance Ritual" is clinically proven to target the biological root cause of lower thinking energy, lack of inspiration, even brain fog. More than thousands of people of all ages are already using this Brain Wave to transform their lives into abundance.
The billion dollar industry does not want you to see this video, as it seriously threatens their profits...
If you’re over 50 and not an AARP member yet, you’re missing out on serious savings and benefits that make life easier.
Joining AARP gives you access to discounts on dining, travel, prescriptions, and so much more. Imagine saving up to $450 a year just on restaurants and meal delivery alone—plus, enjoy big discounts on eyeglasses, hotel stays, and even everyday essentials.
But it doesn’t stop at savings. Members get exclusive tools and resources, like insider tips on Social Security, retirement planning, and caregiving support. You’ll also gain access to AARP’s Fraud Watch Network, helping you protect your money and identity.
How to become a member today:
The savings are real, the perks are endless, and the support is invaluable.
Americans are spending more time than ever at home or out in their backyards this year for obvious reasons. With winter just around the corner it's no wonder this mini portable heater called Cyber Heater is flying off the shelves.
Stop using prehistoric heaters that end up costing you tons of money on electricity bills. Cyber Heater has a digital temperature display to show you how warm your room is, and uses just 350 watts of power as well which makes it an energy saving device.
Cyber Heater also comes with built-in safety features. It shuts off automatically when it gets too hot or it falls over. So you can use it all day and night without worry around your kids, pets, or furniture.
Imagine losing all your cherished photos and videos to a sudden mishap—31% of Americans have faced this heartbreaking reality. But with ThePhotostick Omni, those days are over.
This ingenious device offers a one-click solution to back up and protect up to 60,000 memories, freeing you from the time-consuming task of sorting and the ongoing costs of online storage. Now, creating that family DVD or simply cherishing your moments is worry-free and cost-effective.
Oprah loves these big, soft, luxury hotel pillows. High end hotels will sometimes sell them too, but we found the manufacturer and now they’re yours for less.
Elevate your sleep to penthouse perfection and rise feeling clear-eyed, ache-free, and refreshed. FluffCo Zen Pillows are designed to deliver that exclusive resort-quality slumber with adaptive support suited for every sleeping style. Cradling your head with the perfect fluffiness and support, ensuring you greet each morning fully prepared to conquer the day ahead.
For anyone struggling with foot pain, the journey to relief often leads through endless, expensive podiatrist appointments.
Copper Relief Socks change the game by offering a scientifically designed solution to tackle foot issues like plantar fasciitis and neuropathy right at home.
These innovative socks combine compression technology with the healing properties of copper, offering a simple, yet effective alternative to frequent and costly medical consultations.
Are you having a hard time paying off your credit card debt because of really high interest? With rates going as high as 24%, it might feel like you're not getting anywhere with your payments. But there's good news: we might have a solution for you that can seriously lower your interest rates by tomorrow.
Here's what this tool does: It helps you find loan offers with much lower interest rates, sometimes as low as 5.20% APR*. This is about 70%* less than the usual credit card interest rate. This big drop in interest is the key to helping you move forward.
With this new loan, you can pay off all your credit card debt at once. Then, you'll only have one monthly payment to worry about, and it'll be a lot cheaper. This means you can get out of debt faster.
If your credit score is 620 or more, you could get up to $100,000 without needing any collateral. And you can choose repayment terms of up to 144 months.
Not sure if you'll qualify? It only takes two minutes to see if you can cut your credit card interest rate by 70%.
*Your actual rate depends on how good your credit is. The average credit card interest rate is 24.72% as of August 14, 2023, based on a report by Forbes Advisor.
Why chase after expensive spa treatments when the essence of a Japanese spa can be yours at a fraction of the cost?
Nuubu foot patches embody the luxurious and purifying experience of a traditional Japanese spa, harnessing herbal wisdom to detoxify your body through the feet—where it matters most.
This method not only brings the spa to your home but also offers a smart, economical way to maintain your wellness routine without the hefty price tag.
Surveys might not be the first thing you think of for making money, but hear me out. If you're chilling on the couch or half-watching another one of your partner's show picks, why not earn a bit by clicking around? You could pocket up to $130 a month, just like that.
Out of all the survey sites, Survey Junkie stands out. It's pretty straightforward: they ask simple questions about stuff like the laundry detergent you use or whether you're team Pepsi or Coke. You rack up points just by giving your two cents, and many folks cash out with a check after just a few hours.
Imagine this: doing three surveys a day could net you $100 a month. Go for four or more, and you're looking at up to $130. Considering Survey Junkie hands out over $55,000 daily to users and boasts over 20 million members, it's worth checking out.
Curious? Head over to Survey Junkie and hit the “Join Now” button. Joining's free, so you've got nothing to lose.
Having a family means you need life insurance. It's that simple. Without enough savings, your loved ones could struggle with mortgage payments, daily living costs, and settling your final expenses. Worse, they could inherit your debts.
The truth is, life insurance companies have made a lot of money off this, charging high prices for a long time. But now, things are changing.
Thanks to a new special program, you can now get very affordable life insurance from the best companies out there. All you need to do is use this new life insurance comparison website. It's easy for anyone to find cheap plans, no matter how old you are or what your health looks like. The best part? It's completely free to use!
And there's more good news: Even if you already have insurance, it might find you a better deal that could save you up to 70% on what you're paying now! There are even plans that don't need a medical check-up and say yes to everyone, no matter your age or if you've been turned down before.
Do not buy more laundry detergent. Get 200+ loads of laundry with this one "pineapple grenade." It's a simple product that stays in your washing machine. When water runs through it, it uses its nano silver infused ceramic beads. This is antimicrobial, and it kills odors.
You’ll save a staggering amount of money by not relying on department brand detergent anymore. No more need to use harmful chemicals which can not only burn the skin and provoke severe allergic reactions, but can also seep into your septic tank or the environment.
Most people don't have one, and it's a costly mistake.
Tired of managing everything yourself? Sure, you can handle things solo if you want, but most people don't have the knowledge or time to do it properly. There are huge benefits to having a pro pay attention to your money all the time.
Don't know where to find a trusted advisor? Use Datalign Advisory to get matched with someone who fits your style and goals.
Or make it even simpler - Take their quick quiz and get connected with an advisor who understands exactly what you're looking for.
Imagine your AC or washing machine suddenly breaking down. It's a frustrating disruption, finding a reliable repair person, scheduling and making sure they show up and don’t forget the real pain? The financial hit. Most of us seniors can't afford unexpected repair or replacement costs, and sadly, home insurance rarely covers these expenses...
That's why smart homeowners are turning to Choice Home Warranty, saving big over time by protecting themselves from unexpected covered home repairs. It can cover most of your appliances, and can help replace them with brand new ones – all without emptying your wallet. Don't let unexpected covered breakdowns throw your budget off track.
Ever thought night driving could be as easy as daytime cruising? When I stumbled upon these "Night Vision" glasses, my nighttime driving worries vanished. Suddenly, roads at night looked as clear as they do under the afternoon sun.
No more squinting against oncoming headlights or struggling to see through rain. These glasses cut through the dark and any bad weather, making every night drive a breeze.
But here's the best part: they effortlessly fit right over my prescription glasses. No more choosing between clear sight and safe driving.
Like most Americans, you're probably depositing every paycheck straight into your checking account. It seems like the safest bet, right? Wrong.
The problem: when your money is just sitting in your savings/checking account, it's gradually losing its value due to inflation. To put it in perspective, inflation has been reducing the value of money by an average of 3.8% each year for the last 40 years.
What can you do? Invest your money. With an app like Acorns, it's super easy. Say you buy a coffee for $4.25. Acorns rounds that up to $5 and puts the extra 75 cents into investments for you. It's a smart, effortless way to make sure your money keeps growing.
Have better peace of mind when away from your home with the latest technology breakthrough in affordable home security. This High Resolution Camera screws into any standard lightbulb plug and connects directly to your Home WiFi, viewable through any iPhone & Android Device.
The Light Bulb Camera is compact and has all the features anyone would want when having cameras inside & outside their home. The night vision is astounding, the camera resolution is top notch. It pans to the left and right, up and down, has motion tracking that works flawlessly and has many features that the big name cameras have. It also has a slot for a 64 GB SD Card so you don't have to waste money on monthly payments.
This discreet device uses cutting-edge bionic, electromagnetic, and ultrasonic wave technologies that humans and pets cannot hear to create an uncomfortable, but non-lethal environment for rodents, cockroaches, mosquitoes, ants, and other undesirable insect and animal guests entering your home.
Simply plug in The Pest Defence and your home will be completely free of unwanted household pests in no time
Bed sheets haven’t seen innovation in years. They are a breeding ground for all types of bacteria and dust mites. Miracle has created the first ever hygienic luxury sheets. These bed sheets utilize natural bacteria fighting silver for healthier skin and cleanliness.
It also features modern temperature regulating fabrics so that you stay comfortable all night long. No more excessive laundry loads, bad odors, and unhealthy skin!
You haven't experienced a perfect sleep and even more perfect mornings until you've switched to Miracle. Transform yourself effortlessly and overnight. You deserve it!
The Horsepower Duck is a compact, cordless vacuum with turbo-charged power that "ducks" up anything from crumbs and dirt to pet hair and even small bolts! With its lightweight design, it’s smaller than a water bottle, making it perfect for easy storage and on-the-go use.
Equipped with a bendable tube, crevice nozzle, and brush tool, it's designed to tackle hard-to-reach spots, tight spaces, and delicate surfaces—making cleaning a breeze.
With over 7 million sold, this gadget is a must have for everyone. Peeps revolutionary and patented invisible carbon formula safely and easily cleans your glasses, leaving your lenses as clean as the day you got them.
Peeps utilize the same innovative molecular-carbon technology used by NASA to clean their ultra high definition optics.
Peeps include a brush that slides out and wipes any dust or debris off your lenses. Next is a tweezer-shaped cleaning tool with two carbon-infused microfiber pads. These pads clean both sides of your glasses simultaneously and are uniquely designed to fit the grooves of your lenses.
When you’re finished cleaning, the patented case recharges the cleaning pads with new carbon molecules for the next use. (Independently lab tested for up to 500 cleanings.)
MUAMA Ryoko is a pocket sized, wireless WiFi gadget that helps you get a high speed internet connection wherever, whenever! This is especially useful in the summer when we're out and about, but still need to be connected.
If you're carrying the MUAMA Ryoko portable router, you're connected. It's that easy. No hassles, no hard to read instructions. Simply receive your new gadget, open it up, and connect. It's that easy. Too good to be true? Read more about it here.
✅ Connect up to 10 devices simultaneously - perfect for families
✅ No contracts or hidden monthly fees
✅ Built-in VPN keeps your data secure
✅ 8+ hours of battery life on a single charge
✅ No roaming fees worldwide
Forget the hassle and expense of hiring translators or fumbling with language apps. The MUAMA Enence Translator is your pocket-sized partner, turning language barriers into bridges instantly.
Ideal for globetrotters, business mavens, and adventurous souls, this device translates over 43 languages at the touch of a button.
It's not just a tool; it's your ticket to confident communication and savings on every journey.
Don't be left behind: If you're not earning cashback on every purchase, you're losing money. And who wants to miss out on cash back?
With the Discover® Cashback Debit account, you can earn 1% cash back on up to $3,000 in debit card purchases each month (see website for details). That means you can pocket $360/year extra, just by using your card on everyday purchases.
Take full advantage of this account, including Early Pay for getting your paycheck up to 2 days in advance, no minimum deposit or balance requirements, access to over 60,000 ATMs without fees, and the convenience of adding cash to your account at Walmart stores across the country. Plus, enjoy peace of mind knowing your checking account deposits are FDIC insured, up to the maximum amount allowed by law.
Claim your cash back now - signing up is easy, and it won't affect your credit score.
It’s no secret that millionaires and billionaires love investing in real estate, but for the rest of us, buying property has been prohibitively expensive (if not impossible, for some).
Times have changed. There are a few amazing real estate startups that allow you to buy shares of rental homes for as little as $20/share (Ark7 is one of my favorites).
They take care of the property management and collect rent checks for you. Then, on the 3rd of the following month, your share of the property’s profit is distributed to your account.
It’s an interesting way to build yourself a little rental home empire (without spending like a magnate).
As gas prices explode, this might be the biggest gift for yourself and your family: A simple plug-and-play device that can reduce your car’s fuel consumption by a whopping 35%!
So if you’ve helplessly watched our gas prices increase 70-100% these past 12 months, this is your chance to strike back.
Fuel Saver Pro reprograms your car’s fuel efficiency and works for all cars built and sold in the US after 1996.
Although the fuel giants aren’t happy about it, this device is 100% safe and legal. A small group of testers tried it out and saved a combined $594.01 their first month. The only question is: how much will you save?
Demand for the Fuel Saver Pro has been soaring, so make sure to get yours before it’s too late!