6 Things You Probably Shouldn’t Be Paying For

In a world where everyone is spending big dollars for the latest, greatest gadget or signing up for the brand new subscription boxes filled with clothes or makeup hand-picked to match your style, where is the line drawn?

Getting ahead financially can be as simple as cutting out the little, extra costs in your life that can add up to saving more money than ever before.

Things You Probably Shouldn’t Be Paying For

1. Bottled Water

When you choose a refillable bottle to use for water, instead of paying for a bottled water every time you’re thirsty, you’re not only saving money—you’re being nicer to the environment.  And because you’re not spending a dollar every time you want a drink, you’ll probably end up drinking more water (which is good for you!).

Not confident about the quality of the tap water coming from your sink?  Invest in a faucet filtration attachment or pitcher and simply budget the new filters every 40 gallons.

2. Cable TV

Consider are cutting the cable cord.  According to a Leichtman Research Group survey, the average cable TV user spends $103.10 per month on TV services compared to the average streaming services, which is approximately $10 a month.  Cutting the cord can mean $1,000 in savings a year just on television services.

3. ATM Fees

There are still reasons to carry cash, such as for emergencies or special events.  However, circumstances prove that many people can forget to withdraw money from their financial institution before they need it, and as a result pay that dreaded $3-$4 fee that’s charged when stopping at the closest ATM.

Did you know credit union members can use the CO-OP network?   CO-OP ATMS and shared branches have surcharge-free services from coast to coast, so you’ll never pay an ATM surcharge fee again.  Find a CO-OP location.

4. Credit Reports

You shouldn’t have to pay to view your credit report annually.  Once a year, all three credit bureaus (Equifax, Experian, and TransUnion) will provide your credit report without penalty or cost at AnnualCreditReport.com.

5. Full Price for New Clothes

There are so many great ways to go hunting for a deal on your clothes.  From online resale groups and apps to buying “new-to-you” clothes at your local thrift stores, shopping thrifty can create a unique sense of style. Donating clothes to thrift shops or consignment shops is also a great alternative from throwing old clothes away.

6. Wi-Fi Away From Home

If you’re traveling or just need to connect to hi-speed internet in a jam, there are many places that offer free Wi-Fi. You may need to go into the location, like a coffee shop or restaurant to gain access.  While you won’t have to pay to go online, think about how long you’ll be there using their internet and consider purchasing a drink or quick snack as payment.

Bonus items you shouldn’t be paying for:

7. Name Brand Cleaning Supplies

Typically, you won’t find yourself purchasing many new cleaning supplies at once.  But when you do, like moving into a new home or dorm room, there are a lot of first-time purchases to make.  Consider finding Homemade Cleaning Recipes that will save you money and be less harsh on your laundry and in your home.

8. The Latest Baby Mobile/Swing/Device

Expecting a new addition to the home can be really exciting…and really expensive.  When you’re looking for items a new baby—or the parents—will need, it’s important not to get distracted by fancy, shiny new infant devices.  Best suggestion:  check online for reviews from other parents or ask family and friends who may have an experience to share before making the purchase.