12 Things Average Americans Waste Money On

Car Insurance: Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used Insurify and now I’m able to pay just $51 a month for two cars.¹ <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

1. Click the link below and enter your zip code, date of birth, and phone number.
2. Answer a few questions about your car’s make and model to get matched with top offers.
3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Credit Card Debt: Pay no interest on purchases and balance transfers for 15 months (yes, it is kind of remarkable)

Imagine getting 15 months with 0% intro APR on purchases and balance transfers (APR then 18.24% - 27.24% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards - the Discover it^® Cash Back(Rates and fees) - and pay no interest until 2026 on purchases and balance transfers!

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer high-interest debt to this card with a 0% intro APR for 15 months on balance transfers (APR then 18.24% - 27.24% Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

The best part? The Discover it^® Cash Back is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and has no annual fee.

Click here to apply now for the Discover it^® Cash Back

Home Equity: Ohio Homeowners borrow from your home’s equity

Home equity loans are surging in popularity with homeowners with great credit to pay down high-interest debt quickly or make home improvements.

The best part is you can actually keep your current mortgage rate by getting a home equity loan with this genius program!

No hassle. No expensive fees.

Calculate your equity amount and lock in your rate today!

How to get started:

1. Check out the Rocket Mortgage Home Equity tool.² <p>Rocket Mortgage, LLC; NMLS #3030; <a href="https://www.nmlsconsumeraccess.org/">https://www.nmlsconsumeraccess.org/</a>. Equal Housing Lender. Licensed in 50 states.</p>
2. Answer a few questions about your home.
3. Lock in your personalized rate and payment.

Calculate your payment for $0

Leaving Cash on the Table: This powerful checking account could help you earn up to $360 every year

Want to earn cash back on your everyday purchases without using a credit card? With the Discover^®️️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!³ <p>See website for details.</p>

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover^® Cashback Checking account today

Home Repairs: Don't let home repairs drain your bank account

Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more. Not being able to make repairs could leave you in a bad situation — but a home warranty could protect you against surprise expenses.⁴ <p>Limitations and Exclusions Apply</p>

Whether you’re a brand-new homeowner or you’ve owned your home for years, a plan from Choice Home Warranty could pick up the slack where homeowner’s insurance falls short.

If a covered system in your home breaks down, you can call their hotline 24/7 for assistance to get it repaired. They have a network of over 15,000 technicians that can assist you, making sure any issue can be taken care of swiftly — without breaking the bank.

Not sure if it’s for you? Rest easy: they were named one of the "Best Home Warranty Companies" by US News 360 Reviews and were awarded Best Company's 2020 Consumer's Choice Award. For a limited time, you can get your first month free when you sign up for a Single Payment home warranty plan.

Get a free quote

Home Insurance: Switch your home insurance and you could save a ton of money

If you have home insurance, you need to see the recent rates available to you. There’s a good chance you’ll want to switch your policy if you see a better rate.

The best way to check for up-to-date rates: Get multiple policy quotes from a variety of home insurance providers. Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house.

Provide Home Insurance is a company that matches you with a variety of home insurance options to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you.

Enter your zip code to get started

Ask this company to reduce or resolve your credit card debt

If you have a lot of credit card debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to resolve your debt once and for all?

ClearOne Advantage can help.⁵ <p>ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.</p> If you have $15,000 or more in debt from credit cards or personal loans, their representatives may be able to help you resolve your debt for less than you owe — with one low monthly plan payment.

Best of all? There are zero upfront fees, and you could get out of debt in as little as 24-48 months.⁶ <p>24-48 month completion times are based upon individual program estimates and assume client meets all program requirements and makes all payments as agreed during their resolution plan. Not all clients complete their program – see rep for details.</p> To get started, just answer a few simple questions. It only takes a few minutes to see if you qualify!

Try ClearOne Advantage

Restaurants & Meal Delivery: Take advantage of massive discounts at restaurants (you don’t even have to be 50 to join!)

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on:

• Restaurants (save up to $450 per year!)
• Meal deliveries
• Airfare, Hotels, Cruises and Rental Cars
• Eyeglasses and even prescriptions that aren’t covered by insurance

Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.

How to become a member today:

• Click the link below, select your free gift, and click “Join Today”
• Create your account (important!) by answering a few simple questions
• Start enjoying your discounts and perks!

Get 25% off your AARP membership, making it just $15 the first year with auto-renewal

Tax Debt: Ask this company to pay off your late tax debt

Each year, the IRS forgives millions in unpaid taxes. If you have more than $10,000 in tax debt, or have 3+ years of unfiled taxes, you could get forgiveness too. You might be eligible to lower the amount you owe, or eliminate your tax debt completely.

Easy Tax Relief could help you lower or get out of your tax debt for good. They’re well respected in the industry and have been recognized for their ethical standards when dealing with tax debt. While most tax companies just put you on a payment plan and file your taxes for you, Easy Tax Relief talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes.

Fill out this form to get started

Advisor Fees: You could be overpaying for your retirement planning

Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.

This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.

Paid Non-Client Promotion

FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)

Auto Insurance: This company could help put up to $1,025 back in your pocket

We could all use some extra cash these days. And with this company, getting it couldn’t be any easier. You hardly have to do any work.

Insurify is a company that could help you save up to $1,025⁷ <p>Average potential savings based on initial quotes received by 183,234 customers seeking insurance through Insurify. Actual savings may vary depending on state of residence, individual circumstances, coverage selections, and insurance provider. Savings results are not guaranteed</p> on your annual car insurance premiums. Their job is to connect you with insurance companies to beat your current rate or coverage. No catch, and no hidden fees.

It only takes about a minute or two. Enter a little bit of info like your zip code and year, make, and model, and then get as much as $1,025 back in your pocket.

They work with 100+ insurance companies so you know you’ll get a good rate. And they have 4.8/5 stars from 3,000 verified reviews. Even better, Insurify does not sell your information to spammers, and there are no annoying calls or texts.

Compare rates today and claim potentially instant savings of up to $1,025!

Scams and Fraud: American adults lost $47 billion to scams and fraud in 2024

That's right. According to a recent report, American adults lost $47 billion to scams and identity fraud in 2024.

But you can safeguard your identity with NordProtect — an all-in-one protection service designed by cybersecurity experts. NordProtect includes up to $1,000,000 in identity theft recovery coverage, helping reimburse you for eligible recovery expenses if needed.

Plans start as low as $7.49 per month (when charged annually) and include 24/7 dark web monitoring, credit score tracking, and real-time security alerts to notify you about potential threats, from compromised accounts to suspicious credit activity.

Before you make your next online purchase or open your next email, protect what you’ve built — for a fraction of what identity theft could cost you.

Get the 1-year plan now for 50% off

Weight Loss: Save as much as 80% on weight loss meds

If you’re finally ready to lose weight, FDA-approved GLP-1s — like Semaglutide & Tirzepatide — burn fat fast. And this company we found called MyStart gets them to you 80% cheaper!

It might sound crazy, but MyStart operates on a cash-only basis and does not accept insurance. This is how they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic and Zepbound. (You can pay via credit cards, including Visa and Mastercard.)

Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s at 80% less than name brands! Plus, get access to U.S.-based doctors 24/7 when you go through MyStart. No insurance is required and there are no hidden fees.

Dr. Ritu Chopra (from the show "The Doctors") says this is the future of weight loss. Join now before prices go up! You could qualify in 5-minutes or less.

Take the quiz to get up to 80% off weight loss medications starting at $7.40/day

Overpaying on Windows: Ohio residents could save a fortune on new windows

Old windows drive up your home's electric bill. But if you live in Ohio and your windows are 5+ years old, you could save $1,000s. 

WindowsUSA is actively helping homeowners score huge savings on new windows. They bring top local vendors into a bidding war for your business, providing the best deals without sacrificing quality. This can drive the cost down for you by orders of magnitude.

Slash the cost of new windows by tapping into hidden rebates, unlisted discounts, and local incentives most homeowners don’t even know exist.

You might be eligible if you check these 3 boxes:

1. You own your home.
2. Your windows are 5+ years old.
3. Your ZIP code qualifies.

Complete this short questionnaire to see if you qualify

Medicare Supplement Insurance Plans: You may get many out-of-pocket healthcare costs covered

You might think you have most health bills covered with Original Medicare. But then you get hit with a medical deductible for a short hospital stay — and you have to pay out of pocket. That’s where a Medicare Supplement plan may help.⁸ <p><b>PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. </b></p> <p><b>The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. </b></p> <p><b>Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.</b></p> <p><i>Medicare Supplement plans may require underwriting and enrollment is not guaranteed.</i></p>

Most Medicare-eligible individuals don’t realize that Original Medicare only covers about 80% of your medical expenses. That remaining 20%? It can add up fast. Especially with a hospital deductible, Part B coinsurance, or excess charges.

Use Healthcare.com’s online tool to find a plan that may cover nearly all your out-of-pocket costs. You’ll pay just a monthly premium. Too many seniors pay more than they should, but if you want to save, here’s how to get started:

1. Click the link below and enter your ZIP code.
2. Answer a few questions about your current Medicare plan coverage (takes about 60 seconds).
3. Get matched with top-rated plans and enroll online or over the phone.

Learn more here and save on out-of-pocket Original Medicare costs

BONUS: Travel more in 2025 with this incredible travel credit card and pay no interest into 2026!

2025 could be the year you finally travel to the exotic destinations you've long dreamed of. And you could do it all without paying interest for a long time, thanks to the Capital One VentureOne Rewards Credit Card(Rates and fees). 

This card is a powerhouse that supercharges your hard-earned spending. Become a Capital One VentureOne Rewards Credit Card cardholder, and you can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening ... all with a $0 annual fee. 

This card also offers an additional benefit of an extended intro APR of 0% for 15 months on purchases and balance transfers (then 19.24% - 29.24% (Variable), balance transfer fee applies). Apply, spend, travel, and enjoy the extended intro APR. 

Recommended Credit 670+: Click here to apply now for the Capital One VentureOne Rewards Credit Card