Aside from the things you really shouldn’t do – like getting free pirated movies and music – there are things you really shouldn’t pay for. And guess what? Unlike pirated media, they really are perfectly legal. Nobody’s going to come knocking on your door to find out why you didn’t pay because getting them free is absolutely normal.
Would you like to know more? We uncover all the things you can get for absolute nada entirely legally. We’d call it a ‘steal’ except you aren’t stealing anything! How cool is that?
1. Bin Liners
Have you noticed how the plastic shopping bags seem to multiply in your cupboard? That’s unless you’re an organized, eco-conscious shopper who takes your own bags along. Even if this is you, what’s the bet friends and family have been collecting? Ask them for some of their surpluses and repurpose them as free bin liners.
2. Bottled Water
Water can either be an incredibly economical beverage or a total waste. Most of the cost of bottled water is tied up in transport and packaging. Don’t like the chemical taste of tap water? Plenty of great water filters will get rid of it for you. Or use water from your rainwater harvesting tank run through a filter.
3. Household Repairs
Ok. There are some things you really shouldn’t attempt on your own, but with YouTube videos to guide you, a lot of the handy tasks you’d usually hire help for can be achieved by yourself. Need a washer changed on a dripping tap? Want to know how to refinish wood furniture? All the info you need is online. Go for it!
4. High Insurance Premiums
Unless you’re at great risk, chances are, you’ll never claim on those low-excess, high-cost premiums. Your money is better spent on creating a savings account for emergencies. And if the emergencies don’t materialize, it’s there to spend on whatever you need most at the time. There is an element of the gamble in opting for this course, but you can assess the savings versus the risk yourself.
And while we’re talking high premiums, what about surplus insurance policies? If you’re inclined to say ‘yes’ to telesales people and banks, you may well find that you’re very over insured. Just how many life insurance policies do you actually need? And the ones you buy through your bank or telesales probably have high commissions that are deducted from every premium.
Don’t miss: How to Save Money on Life Insurance
5. Extended Warranties
The cheaper the extended warranty package, the less likely you will be to need to claim on it. That’s how warranties work. Paying for a product to fulfill its expected lifespan doesn’t really make sense. The makers are pretty sure it will make it there, or they wouldn’t be offering the warranty. Depending on the size of your purchase, how much you’ll be using the item, and your history with similar items, consider opting for a standard warranty that’s included in the acquisition price.
6. Late Fees
Here’s’ a cost that’s an absolute waste of money. Late payment fees just aren’t worth the bucks they’ll cost you. Pay on time. Ask your service providers to adjust payment dates if need be, but don’t subject yourself to wasteful penalties.
Every cent you owe comes back to you in the form of interest. If you can, zero your credit card before the end of the billing cycle and pay a little more off on your debts than you actually need to. We’ve already discussed how just a few dollars more every month can help you to flatten your debt fast, saving you interest compounded over your repayment period. Try one of the many online debt repayment calculators to see how much difference a few dollars can make.
8. Business Classes
Yes! We’re absolutely serious. You can build your business skills online for free! Here’s how: the US Small Business Administration Learning Center is offering a range of business courses at no cost! Build your business savvy without paying a cent, and become the next big name business owner! Don’t forget you hear it here first…
9. Magazines and Books
Seriously, what interests you? Chances are, you’ll find all the latest info in your interest area online for free. Want to see the latest fashions? Get some beauty tips? Catch up on celebrity gossip? Get the coolest recipes, sewing or knitting patterns and craft ideas?
Pinterest is a source of ideas as visually stimulating as a regular magazine – if not more so because you get so many options. As for celebrity gossip, it may not be what the internet is ‘for’ as such, but you’ll find more than your fair share of juicy stories.
As for free e-books, aside from sites like Project Gutenberg, BookBub, and more, your public library is probably offering hundreds of titles for free. You don’t even have to go to the library. These days, library websites allow you to get free eBooks too.
10. Text Messages
If you haven’t got WhatsApp yet, get with it! And if you don’t want yet another message platform to check, ask your friends to message you on Facebook or send you an email. Compared to the standard SMS rate, the data you’ll use is negligible. If you’ve got a good data package, you can call it ‘free’!
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