How to save up to $1,200 a year without sacrificing quality

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This blog post is sponsored by Total Wireless

While I’ve always advocated that you can save the most money where you spend the most money, after your most significant expenses (like rent), the next best place to save is with your recurring expenses.

A recurring expense is any expense that you pay for every month. Some common ones are your cable bill, streaming services, car insurance, banking fees, digital or physical subscriptions, gym memberships, internet, and your cell phone plan.

While some of these might only be $10 or so each month, the fact that they are recurring means they add up over time. You have the opportunity to save not only once but every single month. With any monthly expense, I find it helpful to multiply it by 12, 24, and 36 to see what the actual cost of it will be over 1, 2, and 3 years.

total wireless cardHere are three simple ways to reduce your recurring expenses.

1. Spend on what brings you joy, cut back on things that don’t 

When I evaluate my expenses, I ask myself: How happy did this actually make me? If you enjoy watching movies and TV, then a streaming service is probably worth the $15 a month or $180 a year.

And that $100 a month gym membership? Even though it’s the most expensive gym in your neighborhood, because you enjoy it and you get excited about working out there, you’ve determined it’s worth it. That meal subscription service may be convenient, but if you haven’t enjoyed the meals, it’s probably time to cut back.

2. Save money where you can easily find a better deal

Second, save money on recurring expenses where you can easily find a better deal. One example is your cell phone bill. I’m sure you’re like me and practically live on your phone.

We’re not alone – the average American touches their phone 2,617 times every day[1]! Our phones are important to us. But most Americans are also overpaying for cell phone service.

The average cell phone bill in the U.S. is over $100 a month, or $1,200 a year. In some cases, for a family of four, the bill can easily be over $300 a month or $3,600 a year. Over 5-10 years, that adds up to tens of thousands of dollars.

With the potential of saving up to $1,200 per year, it’s definitely worth taking 20-30 minutes to search for a more affordable cell phone plan. There are many no-contract wireless service providers, but the one that stands out most to me is Total Wireless.

Total Wireless offers service on the Verizon Network with unlimited>>, talk, text, and data plans starting at just $25 per month with no contract. You can bring your own compatible phone or get great deals on the latest smartphones, like the Samsung Galaxy A20. Depending on your current cell phone plan, you could save up to $1,200 a year by moving to Total Wireless. It’s well worth spending a few minutes checking it out to see how much you could save. For more information on how to save on your wireless bill while still getting the best reliability in wireless, head to

3. Cut out recurring expenses you don’t use

Last but not least, do some digging to see if you’re getting charged for services you signed up for and no longer use. It’s that network streaming subscription that you signed up for to watch the new season of your favorite reality show last year but forgot to cancel, and now you’re getting charged an extra $20 a month even though you don’t use it anymore.

Or, as my wife and I just figured out, we are both paying for our own Hulu and Netflix subscriptions on our credit cards, effectively both paying for the same services.

One night after dinner, we looked at both of our credit cards to find overlapping subscriptions. It ended up being harder than we expected because some of the companies show up as vague names on your credit card bill. Both of us were being charged $25 a month from our cable company, and we couldn’t figure it out. It turns out it was yet another streaming service. After we identified all of the subscriptions we were paying for, we then went hunting to cancel them online.

There were also some companies (that shall remain nameless!) where we had to either send an email, call them, or….wait for it… actually send a letter via registered mail to cancel! Some companies make it a lot harder than others. After a few hours, we figured it all out and ended up saving over $250 per month! That’s $3,000 a year! It was worth spending a few hours on.



Reducing your recurring expenses can help you save money each month, and it can add up quickly. Whether you’re logging your expenses or using your favorite budgeting app, Total Wireless saves you money on your wireless bill and gives you access to all the tools you need to confidently take control of your finances.

In just a few hours of time, you can review your recurring expenses, cut out the ones that don’t bring you joy, cut the ones that you don’t use anymore, and try to get a better deal on the ones you use the most. It’s well worth the time and could save many American families thousands of dollars per year. The savings add up.


[1] Business Insider

A month equals 30 days.

Actual availability, coverage and speed may vary.

>>High speed data allotment varies by plan. See plan details for more information.

When compared to monthly cost of comparable 4-line postpaid plans of leading carriers. Excludes taxes, fees, Auto Pay discounts, and limited time pricing. Source: Competitor Websites, April 2020

Total Wireless Bring Your Own phone program requires a compatible or unlocked CDMA phone, SIM Activation kit and a Total Wireless 30-day service plan. User may need to change the phone’s Access Point Name Settings.


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