Hi Rachael!
It's Lauren Greutman from LaurenGreutman.com.
I think this year is going to be the happiest year ever,
because I'm going to show you how to easily save
$5,000 in 2019.
You can save a lot of money on your gas and electric
bill by switching energy providers and also
getting a wifi enabled thermostat like this Nest one.
Most electric companies will also give you a reading
if you buy one of these for up to $75,
maybe even $100.
By buying a wifi enabled thermostat,
you can save up to 15% off your bill.
So over the course of a year, that's $250 in savings,
just by buying one of these.
75% of people with car insurance never shop around.
They typically find quotes from one or two
of the most advertised companies, and then become complacent
when the cost goes up.
The Zebra is an online car insurance search engine
that kind of makes it black and white for you.
It compares the options of over 200 providers
in 60 seconds or less so that you can get
the best deals.
Most people don't know that you really should
be shopping around for car insurance
every three to five years.
This will help you easily save over 1,000 dollars a year.
So instead of going to take out,
which averages about 40 dollars per night,
you can easily make your own meals right at home,
stick them in the freezer, and throw them
in the crock pot when you get home
or before you leave for work.
You can easily save more than $500 a year
just by this one simple thing.
Are you paying a lot of money for prescription
medications because your insurance company
doesn't cover it?
Request a card from goodrx.com,
which will help you find discounted prices
on those pricey prescription medications.
This can be a savings of over $300 a year.
One huge expense is your cable bill.
Instead of paying $100 a month on cable,
sign up for SlingTv, and pay only $20 a month.
SlingTV is an app you can download to your phone,
to your Roku, this allows you to watch all the same
channels and even live TV.
Okay Rachael, we're at over $3,000 in savings so far,
so I can't wait to share more tips with you.
Okay, so the first thing I'm gonna talk about
is Credible.com.
Now, Credible.com is a website that you can go to,
you can go and take a look right here,
and one of the biggest things people struggle with
is student loan debt.
Oh my gosh, absolutely.
You can go plug in information
and just in minutes, it will give you rates
on how to lower your student loans,
so it helps you refinance.
People are paying hundreds of dollars a month on interest.
Just on interest,
it's not touching the principal.
Right, so if we take a look at the interest,
I'm gonna just show you real quick right up here,
so it gives you all of these price comparisons,
and then it'll help you refinance,
so you can see here, five point four percent,
five point three five, it'll tell you the total
interest that you're gonna pay over time,
and your monthly--
Look at the difference!
Right so that gets us to $500 savings over the course
of a year if you were to refinance.
Or more.
Or more, that's the minimum.
So a lot of people love to work out.
Now I like to work out, but sometimes the gym
you know can be a little pricey.
So one of my favorite apps is called Freeletics.
Freeletics, free athletics.
Exactly!
So, I have a little clip here for you,
so if you look at this, this gives you
it's kind of like personal trainer in your own home, right?
So it tells you exactly how to do each thing,
it sets up workouts for you, and gives you
little prompts of encouragement, things like that.
Let's say you cut your gym membership,
which on the small end would be $100 a month--
Huge!
That's a $1,200 savings over the course of the year.
Yeah, and most of them are much, much bigger.
(applause)
Right.
Okay, this is a great program.
I sign up for free trials and forget all the time
that they charge me money after that free trial.
Oh, good point.
Okay, so this is a program, it's called AskTrim,
you sign up for it, you can take a look
right at the screen here, and what it does,
is it actually alerts you when you have recurring charges,
so lets say you sign up for a free trial--
That is awesome.
Yes, and then, it gets even better.
It texts you and tells you that they will negotiate
the rate for you, they'll give you prompts on saving
when it's time to negotiate your rate.
I think that that is so important,
like we all remember I remember I got in so much trouble,
my sister and I, because we joined
the Columbia Record House.
Yeah--
(audience laughter)
And then after those 12 albums for a penny,
or whatever it is, my mom was chasing us
with a broom around the house.
(audience laughter)
She had these big bills!
So if you do that over the course of a year,
you can save at least $300, so that brings us
up to the $5,000.
Woo hoo!
(audience applause)