Need to save money? Sure, you can cut back on lattes, but there are a few ways you can save more than a few dollars while only doing a tiny bit of work. Here are some top things you can save money on this year:

    Car insurance

    If you’ve been paying for the same car insurance for years, now’s the time to start shopping around. Get some quotes from your insurance company’s competitors. Then, call your current car insurance, mention that you’ve never needed to make a claim and you’ve been offered a better rate elsewhere. If they’re smart, they’ll match that rate. If they don’t, feel free to switch so you can get a better deal.

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    Dash Cams

    You’ll also be able to save by installing a dash cam. That’s because if you are involved in an accident and it’s the fault of another driver, you can use the recording from your dash cam to prove your innocence. Don’t take the risk that you’ll end up paying for someone else’s bad driving. Invest in a good dash cam and it will pay for yourself if you’re ever blindsided by someone texting and driving.

    Gym memberships

    Have you paying for your gym membership for months but never getting the chance to go? Gyms love customers like you, but there’s no reason to pour your money down the drain. Instead, see if you can find someone who will buy your membership off you. Then, grab a workout buddy and get out in the fresh air for some free exercise (and gossip).

    Credit card fees

    You’re probably already aware that if you pay your credit card off in full each month, you won’t need to deal with expensive fees. But many credit cards also have annual fees. If you’re making up for this with travel points or cash back bonuses, that’s fine. But there’s no point in paying for credit card fees when there are so many credit cards that have no fees.

    Call your credit card company and tell them you’d like to switch to a card with no fees. Ask them which card they recommend. If they don’t have anything to offer you, feel free to sign up with a competitor- you’ll probably get a nice sign-up bonus at the same time.

    What are your top tips for saving money? Leave a comment below and let me know.