21 Things You Should Never Pay For | Money Talks News

21 Things You Should Never Pay For | Money Talks News

While the best things in life are always free, so is lots of other stuff. If you want to find some extra money in your budget, stop paying for things you could get for nothing.

There are only two ways to become richer – make more or spend less.

There are a few ways to make more, from getting a raise to finding weird ways to make extra money. And there are tons of ways to spend less. One of the best? Stop paying for things you could get free.

Now, lets add more detail, and expand the list…

1. Free cars

Many people want their cars moved from place to place, but don’t want to do the driving. Sometimes these cars are delivered by truck, but often they’re driven – by people like you. If you have a clean driving record, a car delivery company like AutoDriveaway might hook you up.

I did car delivery a few times when I was in college – it’s a great way to get where you’re going. It’s best if you’re flexible about when you leave, return, and perhaps even where you go. You still have to pay for gas, and the trip home can be problematic. I used to hitchhike, but smarter choices today would be bus, plane, or waiting at the other end for another drive-away car.

For more, see How to Drive Across the Country Free.

2. Free lodging

Why stay in a hotel when the nonprofit Couchsurfing.org offers tourists a chance to stay at homes for free? Make friends with sponsoring families throughout the United States and countries ranging from Croatia to France. You have to set up a profile on the CouchSurfing website, which provides tips on how to find families willing to open their homes to you. Obviously, the digs won’t be fancy, but they’ll be free.

Another way to get free lodging is to home-swap. Check out Best Price for a Hotel Room? $0.

3. Free audio books

Now you can find out for free the fate of Pip in Charles Dickens’ “Great Expectations” or Elizabeth in “Pride and Prejudice” as you drive or jog. Download free audio books from the nonprofit LibriVox.org, which has volunteers recording classics in the public domain – including many Shakespeare plays. You can also volunteer to help by reading. LibriVox will even provide you with free recording software.

4. Free food

There’s at least one day every year when you shouldn’t think of paying for a meal. Frugal Living has a list of hundreds of businesses that offer birthday freebies, most of which are food. For a free libation at your favorite pub, do what I do: Loudly proclaim it’s your birthday and demand that everyone within earshot pick up the next round.

5. Free food for kids

Don’t go to another restaurant that doesn’t feed your kids for free. MyKidsEatFree.com offers a roadmap of where you can save on kids’ meals – just type in a state and city. You’ll pay but your kids won’t at more than 5,000 restaurants across the country.

6. Free samples

Before you go to the drugstore and shell out silly sums for travel sizes of your favorite toiletries, go toVolition.com or one of many other websites that offer free samples. In addition to soap, shampoo, etc., you might find all manner of interesting things. For example, we’ve spotted circus tickets, a free diet analysis, and free advance movie screenings. Other free mega-sites include TheFreeSite.com and freechannel.net.

7. Free TV

Despite that more than 100 million Americans shell out an average of $75 every month for satellite or cable TV, local channels are still free. And thanks to digital signals, reception is better than ever. Need more programming without the big cable bill? No problem. Check out You Don’t Have to Pay for Cable TV.

8. Free software

You can get free software for word processing, spreadsheets, presentations, graphics, databases and other uses by going to OpenOffice.org. And that’s the tip of the iceberg. No matter what kind of software you want, you can probably find it free. Check out 5 Best Free Software Programs.

9. Free anti-virus

This one could go under “free software,” but it’s important enough to warrant its own spot on the list. Check out Antivirus Software is a Waste of Money for more.

10. Free speech

Make your voice heard around the world with your own blog. Many companies will help you set up your own site at no charge, such as WordPress or Blogger. They’ll even give you free, easy instructions and a choice of blog templates.

11. Free foreign language lessons

The BBC is on the other side of the pond, but it offers a free 12-week class to learn French, Spanish, Italian, or German, gratis. You’ll even get a certificate at the completion of the course. BBC also offers other audio and video courses in the four languages – as well as help in learning more exotic languages such as Chinese, Russian, and Greek.

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12. Free checking

According to The Wall Street Journal, the average minimum checking account balance required to avoid a monthly fee at U.S. banks is $723 – and the average monthly fee is $5.48.

But banks aren’t the only game in town. While not all offer free checking, the prospect of lower fees is one of7 Reasons You Should Join a Credit Union.

Another option is online-only banks. Without the overhead of brick-and-mortar branches, the terms are often much better. Consumerism Commentary ranks The Best Online Checking Accounts.

Too much hassle to leave your bank? Threaten to and see if you can have fees reduced or eliminated.

13. Free credit reports and scores

Don’t ever pay for a copy of your credit report. Instead, go to AnnualCreditReport.com for a free look at your credit history once a year.

When it comes to free credit scores, you can turn to sites like Credit Karma or Credit Sesame, although they won’t give you the most widely used score, the FICO score. For that, you could try enrolling in a FICO product that comes with a free score, then cancelling within the cancellation period. See Free FICO Score: How You Can Get One.

14. Free cash

Tired of paying a $2.50 “convenience fee” for using an ATM that’s not in your bank’s network? Use an app like ATM Hunter to find a branch ATM. If you can’t find an ATM near you for a free cash withdrawal, no worries: Plenty of stores will give you cash back with no fee when you make a purchase.

15. Free information

Use the search feature on your smartphone, or text a business name to G-O-O-G-L-E, and you’ll get the number texted back. You can also dial free 411 (1-800-Free411). The results are sponsored by companies (you’ll have to listen to a 10-second ad), but it’s free.

16. Free scholarship search

Plenty of websites offer free searches for scholarships, such as Fastweb. There’s even a company calledFree Scholarship Searches that offers links to 40 websites that offer free scholarship searches. For more tips to save on school, see 5 Steps to Dramatically Reduce the Cost of College.

17. Free baggage

My wife and I went to Europe for 10 days with just one carry-on each. If we can do it, so can you. But if you insist on checking a bag, try to fly with the only two airlines that allow one free checked bag: Southwest and JetBlue. And avoid the two that slap consumers in the face by charging for carry-ons: Spirit and Allegiant.

Need to check and need to fly an airline that charges? Delta, United, and American all offer credit cards that include checked-bag fee waivers for cardholders and, in some cases, their companions.

18. Free entertainment

As we point out in 19 Tips to Save on Entertainment, your local library, parks, and universities offer lots of free fun, from books to plays to concerts. Join email lists to see what’s up. And of course, there’s the Internet, offering free games as well as articles. Just go to the website of your favorite news source.

Volunteering doesn’t cost a dime and can pay off for both you and your community. Local animal shelters, home-building groups, shelters, and food banks are always looking for volunteers. And check out volunteer opportunities at local festivals and events. By volunteering, you get to go to the event free.

19. Free water

While technically not free, tap water is about as close as you can get. If you’re concerned about water quality, buy a filter. But don’t ever pay for water at a convenience store.

20. Free telephone calls

Always calling a loved one long-distance? If you both get something like Skype, you can talk all you want without paying a dime. And with a service like Google Voice, you can get all of your cell phone calls free too.

21. Free everything else

You have something you don’t want, but it’s too valuable to throw away. You might donate it to charity, but you also might give it away at sites like Craigslist or Freecycle, a nonprofit set up to help you find free stuff and keep it out of landfills. From used furniture to sport equipment, you’ll be amazed at what people give away.

Bottom line? While the best things in life are always free, so is lots of other stuff. If you want to find some extra money in your budget, stop paying for things you could have for nothing.

7 Pricing Tricks That Make You Spend More - Yahoo! Finance

7 Pricing Tricks That Make You Spend More If you find yourself reaching for a $39.99 sweater or loading up on $0.99 iTunes songs, you’re not alone. The strategy of ending prices with 99 cents has been around for decades and has worked its magic on almost all of us. But it’s certainly not the only trick retailers use when pricing products.

Merchants use a variety of strategies to get us to spend more – from labeling prices without dollar signs to setting a per-customer limit. And this takes place at all ends of the spectrum – from buying food and toys to cars and houses.

Here’s a detailed look at the tricks retailers use when pricing products:

1. Prices that end in 9, 99, or 95

Known as “charm prices,” prices ending in 9, 99, or 95 make items appear cheaper than they really are. Since people read from left to right, they are more likely to register the first number and make an immediate conclusion as to whether the price is reasonable.

When professor Robert Schindler of the Rutgers Business School studied prices at a women’s clothing store, he found the 1 cent difference between prices ending in .99 and .00 had “a considerable effect on sales,” with prices ending with .99 far outselling those ending with .00.

While this works right down to the last digit on a product as small as an iTunes download, it’s also effective on anything from a pair of jeans to a car or house. Homes selling for $299,000 often sell faster than those costing $300,000. The reason? It’s under, rather than at, the upper limit of those shopping for houses in the $250,000 – $300,000 price range.

2. Dollars without cents

If you see prices with no change, the retailer or restauranteur is sending the message that you’re in a high-end place. The implication is that if you’re concerned about pocket change, you should move on.

3. Prices without dollar signs

In Tricks of the Trade: Restaurants, we explained the rationale behind restaurants intentionally leaving dollar signs off menus: It makes customers spend more. In a Cornell study, guests given a menu with only numbers and no dollar signs spent significantly more than those who received a menu with either prices showing a dollar sign or prices written out in words.

The same tactic translates to retail stores. When items are marked, say, “20″ without the dollar sign, retailers are hoping customers won’t associate the amount with money and thus be less likely to keep a running tally of how much they’re spending as they shop.

4. 10 for $10 trick

Stores push deals like “10 for $10,” aiming to get shoppers to buy items like soup, cereal, etc., in bulk. But here’s something stores don’t advertise: You don’t always have to buy in bulk to get the deal. In many cases, you could just as easily buy 1 for $1. It’s something worth asking your retailer about before loading up your cart.

5. Per-customer limits

When stores add limits to products, like “limit 4 per customer,” it tricks shoppers into thinking the product is scarce, the price low, or both. It also gives the impression of big demand. You find yourself buying several when you would normally buy just one, to avoid missing out.

6. “Free” promotion

Retailers know “free” is the magic word. So they roll out deals like buy-one-get-one-free – sometimes convincing us to buy things we wouldn’t normally purchase. Free shipping incentives requiring us to spend a certain amount of money also draw us in.

7. Simple prices

Simple prices, especially on products susceptible to future markdowns, allow shoppers to quickly compare how much they’re saving. It’s easy to compute the discount on a product originally priced at $50 that now costs $35, as opposed to an item originally priced at $49.97, now on sale for $34.97.

The bottom line

These tricks are so simple, it’s easy to believe you’re too sophisticated to fall for them. Odds are, however, you do, and so do millions of other people. Otherwise, they wouldn’t be used.

But being aware they exist – and work – may help you overcome them and make you a smarter shopper. Take notice next time you’re shopping.

Do you think psychology in pricing works? Sound off on our Facebook page!

More from Money Talks News

• 10 of the World's Most Insulting Fees and How to Beat Them
• 21 Things You Should Never Pay For
• Tricks of the Trade: Restaurants

- Yahoo! Finance