Before you get a personal loan or start selling your stuff to help pay your bills, make these simple moves that could make room in your monthly budget and save thousands per year.

All it takes is a trip to the grocery store or the gas pump to figure out that your cash doesn’t go as far as it used to. While you can’t control the economy and make the cost of everything go down, you can make some simple moves to lower your monthly bills, such as these:

Switch To A Budget-Friendly Cellphone Plan

You can’t get rid of your cellphone since it does so much. However, you can slash your bill, so you stop overpaying for this essential service.  

If you like the service your large carrier provides, pick one of their budget plan offerings to save significantly each month. With AT&T, you can get 8 GB per month for just $15. T-Mobile offers a 2.5 GB prepaid plan for $15 as well. And if you’re a Verizon customer, you can switch to their $40 prepaid plan that comes with 5 GB.  

Another money-saving cellphone option is to switch to a budget carrier. And while you think they may offer lesser-quality service than their more famous counterparts, that’s not true, as they use similar technology for their customers.

Switch to a budget carrier like Mint Mobile, Visible, or Tello, and you can enjoy plans that range from $15 to $40 per month.

Trim Your Cable Lineup

Do you watch every single channel in your cable lineup? Probably not. And if you subscribe to a streaming service like Hulu, Netflix, or Prime Video, you probably receive some duplicate content that allows you to trim your cable lineup without missing a thing.

For these reasons, calling your cable provider and cutting some channels is a smart move, as it can save you as much as $50 per month on your bill. Cut DVR too, and you can save an additional $10 per month and still enjoy your favorite TV shows and movies on demand.

Call Your Car Insurance Company

There are several ways to pay less for car insurance, which is excellent news if you’re looking to offset those ever-increasing gas prices. For starters, you can call your insurance provider and ask for discounts. Examples of money-saving discounts include ones for retirement, not making a claim in the past five years, or driving fewer than 10,000 miles annually.

Beyond discounts, you can ask your insurance company to recalibrate your rate if you know your credit score has gone up due to making other bills’ payments on time. This can result in significant savings since car insurance companies calculate rates based on credit scores. Call 877-322-8228 for your free annual report to find out your credit score.

Want another way to pay less for car insurance? Shop around, as switching companies is one of the easiest ways to save big on car insurance.

Get $50 Off Your Internet Bill

If you make less than a certain income or receive government benefits (SNAP, Medicaid, Lifeline, etc.), you could qualify for the Emergency Broadband Benefit, which gives you a $50 rebate on your monthly Internet service.

If that’s not an option, call your Internet provider and ask for a discount. Consumer Reports says 66 percent of people with bundled Internet plans who made that move successfully lowered their bills.