Editing Frugality (section)

== Services ==
If you have a disability, read online if there are benefits cards you can sign up for. Many regions have these, and you can get free entry to concerts, discounts, and more.

Almost every service has new signup bonuses, e.g. cheaper internet for a year. Always google, always ask over the phone, if there are better plans.

Service providers for TV, cellphone, internet etc often have loyalty departments. If youve been a client of theirs for a few years and have always paid on time, you can probably save there too, because there are plans only for people eligible for loyalty, but theyre not advertised unless you ask to be transferred to the department. Tools like [https://donotpay.com/ DoNotPay] can also negotiate down bills automatically.

If you need healthcare in the US, [https://healthcareisdumb.com/ sign up for one class a semester at a local university] then use their shared health insurance. (link is somewhat out of date)

If you lose your personal items, most renter's insurance covers losing your personal items, even outside of your house. There's usually a deductible. If you don't have renter's insurance, you can get some via [https://www.lemonade.com/ Lemonade], it protects you from natural disasters making your house unlivable, and there's an add-on for saving you from breakdown of washing machines, microwaves, and other equipment– in total, usually $10-15/mo or less.