It seems like you can’t get away from having a smartphone these days. Everything you do, everything you come across, there’s an app for that. It’s our encyclopedia, email, camera, calculator, and social connection all wrapped into one. It’s a blessing and a curse at the same time and we’re always on it.

And is it just me or does it seem like your cell phone bill steadily continues to get higher and higher each month? My last bill was over $125 – and that’s only for one phone line. That’s crazy considering it was only $95 a few 6 months ago when I got it!

I’ve been searching for a cheaper plan that still has everything I need for a while now and to be honest, most aren’t all that great. But, I just came across a company called SurgePhone that is offering one month free, and then only $20/month after that. And this is for an unlimited plan!

Crazy, right? Here’s what I found…

SurgePhone – How Does it work?
SurgePhone is a prepaid wireless service – you sign up and select your plan online. They send you a SIM card, you insert the SIM card into your existing device, activate and VOILA! Their service uses one of the major carriers’ wireless tower networks throughout the United States. This means you’re getting the same service as you are when paying nearly 6 times the rate with one of the major carriers. And I haven’t been able to find a negative review of the company anywhere!

They’re currently offering their  unlimited wireless service starter kit for only $2.99, no contracts, no hidden fees, no surprises. Here’s what you get:

• SIM Card: micro & nano sizes
• Unlimited text
• 2GB of 4G LTE data per month
• 25 hours of talk
• 1st month free!

After your first free month, you pay only $20/month (originally $59!).

Existing Device? So I Don’t Have To Buy a New Phone?
Already have a phone you love? If you have an unlocked LTE-compatible phone already, that can be used at any major mobile carrier (AT&T, T-Mobile, Verizon, or any other GSM carrier) – and it accepts SIM cards, then you can use it at SurgePhone! Gone are the days of paying $900 outright, or even $50/month for a new phone. Use the phone you already have and put that extra money back in your pocket!

If you don’t have an unlocked compatible phone, or you simply just want a new one, no problem – you can buy one directly from them!

Should I Make the Switch?
Well that’s up to you, but this is a great alternative to the current carriers that we see in the cell phone space right now, and a great way to save some cold hard cash. At the end of the day, SurgePhone could save you money on your cell phone bill – over $1200/year! That’s money that can go directly into your savings account.

If you’re thinking about making the switch, check out  the special $2.99 and one month free offer on the unlimited starter kit here.

Act fast! Offer expires 9/30/18.

Surge Wireless Unlimited Plan

Get Surge Wireless for just $2.99 today

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What if I told you that you could completely turn your finances around and escape debt in just four simple steps… without living off noodles or getting a second job? Keep reading to see how I did it…

Just a few months ago, I was like so many—I was living payslip to payslip, worried about making rent. It’s such a shame that 62% of Britons are struggling to make ends meet and I was one of them, I was actually worse off than that.

But over the course of a week, I followed these four simple steps and now have over £1,100 in savings, and I didn’t get a second job. I instead focused a few minutes each day (never more than 30) to changing my finances. I’m not here to boast. It is my goal that by sharing my story, I can also help you break the payslip to payslip cycle.

Step #1 – Open a new bank account and make an initial deposit

Why does it have to be a new account? Because having a separate account will allow you to see your positive progress and will motivate you to keep going. Think about when you are working to lose weight; you step on the scale for the first time and see that you’ve lost 5 pounds. You get a rush of motivation to keep doing what you are doing. The same thing applies to your finances.

So open a new savings account, checking account, etc. whatever you prefer. Just make sure it’s one that is harder to withdraw from, and then make your initial deposit. What if you don’t have much to put in there? That’s okay! The amount of the initial deposit does not matter, but getting started does. This amount will grow over time as we go through the next three steps. Trust me!

Step #2 – Create an additional revenue stream of at least £35 each month

Ideally, this new income would not interrupt your daily life at all, so you don’t have to make that sacrifice. How I did it was with  InboxPounds. 

What is InboxPounds? InboxPounds is a site that pays you in cash to answer anonymous surveys and watch videos. This is my favourite survey site because they actually pay you in cash!

They’ve paid out roughly £40,000,000 to date worldwide, so they know what they’re doing. And, the surveys are actually interesting, and you can do them while binge watching your favourite TV show.

Step #3 — Examine your biggest bills

This part will differ for everyone, but I’ll share a couple of my problem spots to help get you started.

1. Credit Card

I like, so many of us, have a lot of credit card debt. When I finally made a payment, I ended up using it again! It was caught up in the never ending cycle.

My solution was to find a loan with a lower interest rate and use that money to pay off all of my credit cards. This allowed me to consolidate all of my debt and pay a 3.79% interest rate instead of 17.89%. The savings are unreal!

Result: I cut my interest payment by £90 per month in just 5 minutes

2. Car insurance

I know this is the last thing you want to look for, but did you know that car insurance companies make most of their money off of people that do not shop around, but continue to renew their existing policy? Think about it – Do you have a clean driving record? Has your premium increased in the last three years? They know it’s a hassle to leave, so they charge whatever premium they want! 10 minutes saved me £552 per year, how much can you save?

Result: I saved £46 per month in just 10 minutes

3. Coffee

Have you thought about how many times you stop for a cup of coffee each week? I had a daily habit of stopping at the coffee shop on my way to work. It got so bad, we eventually made it to a first name basis. That’s when I decided to start making my coffee at home. Yes, learning how to steam your own milk is challenging at first, but i’ve gotten really good at it and i’ve turned it into an art. Maybe you don’t drink coffee every day, but do you have a daily habit that you can rethink?

Result: I saved £112 per month

4. Final saving tip: Always ask them to waive the fee.

You would be shocked at how easy it is to get fees waived. No matter what it is: late fee, parking ticket, utility payment, etc. I had a £50 late fee tacked to my rent when I was paying a day late, but nicely asking them to waive, worked! Remember: the answer is always no unless you ask (nicely!).

Once you’ve analyzed your bills and find out exactly how much you are saving from these new changes, set up an automatic transfer for that amount to your new savings account to make sure this new money actually gets put away.

Step #4 – Keep it up…

If you’ve implemented all of these changes and didn’t spend the extra money in your pocket, you should have saved and earned a total of at least £1,000. £1,000 is great, but what’s better? £5,000. You’re almost there, just keep up the good work!

Conclusion:

The quicker you start on these changes, the more money you’ll save this year. I don’t know about you, but stressing about finances was taking a toll on me. I’m not rich and I’m not saying you will be from just these changes, but not living payslip to payslip has relieved my stress levels completely and changed my life… and I know it will change yours. Take the first step to get started today. You won’t regret it!

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