7 Things You Should Never Pay For

7 Things You Should Never Pay For

You should never pay for…

  1. Your credit report. You are able to get 1 free credit report from each of the three reporting agencies every twelve months. This translates to one free report every four months, which should be more than enough to actively check your report, ensure everything is correct, and pay nothing! Credit report with score
  2. A credit card. When applying for a credit card, be careful that the one you are looking at does not have an annual fee! Paying an annual fee for a credit card only makes sense if you are going to earn and spend more rewards dollars than the fee. Different credit cards on table, closeup
  3. Books. Go to the library for FREE BOOKS (that includes audio books!). Bonus: Some libraries offer movie rentals as well for little or no cost! Bigger bonus: Many libraries offer free WIFI to its members! Doing some research for an assignment
  4. Gym membership. If you’re like me, you have a gym membership you use once, maybe twice a month, or not at all. (My gym offers a family plan, which is what my family has and why I still have the membership even though I don’t use it.) Consider dropping the gym membership if you’re not actively using it, especially since you can find plenty of different workouts on YouTube or Pinterest that require only your body! Additionally, stores like Marshalls sell some workout equipment, including resistance bands, light free weights, and yoga mats for an inexpensive price.  Couple exercising with dumbbells on fitness ball in bedroom
  5. Premium haircuts. Why spend $50-60+ on a simple cut and blow dry when you can go get your hair done at a beauty school? Beauty schools offer haircuts at a discounted price (they also offer discounted manicures, facials, waxing, hair coloring, etc.), and even though you will have a student cutting your hair, they are always being watched by a professional. Don’t worry; your hair is not in danger here. Additionally, haircuts for men are usually cheaper than what you pay your barber. Hair cutting
  6. Cable. There are so many options besides cable in which you are still able to watch many TV shows and movies at a much cheaper cost. Netflix, Hulu, Roku TV, Apple TV, Amazon Fire TV, etc. are all services that will cost you a fraction of what cable does. Cable Service Bill Invoice
  7. Water bottles. Instead of buying cases of water bottles at the grocery store, use that money to fund a one-time purchase for a reusable, dishwasher-safe water bottle! They are cheap and the water in the pre-packaged bottles is usually tap water anyways. Hiker drinking water

~Sarah Proto, VP of Unbanking

Improving the lives of our members... one member at a time.

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Posted in Financial Education, Improve your life, vp of unbanking

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