Reduce monthly debt payments: Not all of us are in such a dire situation that we can just have our debt forgiven. However, you can cut your payments by up to 80% by refinancing. Most credit cards have interest rates above 25% and Credible’s refinance loans are as low as 4%. It won’t change the amount of your debt, but it can reduce your monthly payment significantly.

Don't forget the possibility of borrowing, hiring or buying DVD sets from the library, video store or retailers for shows you like. If there is only one or two shows you like on some extra cost channels, it might be cheaper to forgo watching them now and wait for the DVD to come out instead. Or, watch the show online rather than purchasing extra channels you rarely watch.

Another major advantage of the PlayOn app is the DVR feature, which comes with the paid version of the app ($69.99 for a lifetime license, $7.99 monthly, or $30 annually). The upgraded version allows you to record and save videos from any of their channels, and the saved content can then be watched offline, or streamed to media servers and other devices compatible with the PlayOn App.
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought? Paribus is a service that lets you find out if stores you’ve shopped at online owe you a refund.  It’s free to sign up. Paribus connects to your email account and checks your receipts.  If they find out a retailer has dropped their price they file a price adjustment claim for you.  Try out Paribus.
The comments about Spectrum DVRs are not accurate based on our experience. We have Spectrum (previously Time Warner) and our DVR allows us to record 4 channels simultaneously (not 2) while watching a fifth channel. Also, our DVR can store substantially more than 21 hours of HD content as the review claims. I’m only guessing, but I’m sure we are able to store at least 100 hours of content. Overall, we’ve been satisfied with the Gold package. There are lots of channels including premium channels (HBO, Showtime, NFL Network, etc.) and there are decent mobile viewing capabilities. The Spectrum app allows you to watch all content and manage DVR settings when you’re connected to your home Wi-Fi. Substantially fewer channels are available on the Spectrum app when accessed via the internet; however, this is shortfall can largely be made up by downloading the apps for individual channels such as HBO Go, Show Anytime, Max Go, etc. On the negative side, Spectrum is expensive and the internet speeds never measure up to what they advertise. Instead of getting 100Mbps we get about 50 down/35 up. In fairness, most people I talk to all seem to have the same complaint about their service provider. And, of course, the customer service generally stinks.
All the cable-replacement services offer some type of free trial period, so you can try before you buy. Because most require a credit card number, you’ll have to keep track of when the trial period expires and cancel if you don't want to continue the service. And remember that package details can change often, so check the latest offers before signing up.

The best way to pick the right TV package is to first set your budget. Next, ask yourself which channels you'd like to be included in your package. Most providers offer a similar set of core channels for every plan. With each plan upgrade, the provider adds either more HD or premium channels to justify the added cost. Some of these channels may be foreign networks that you can't normally get in the U.S. or even commercial-free movie channels. None of us want our favorite movie to be interrupted by an annoying commercial break. Most providers also offer access to On-Demand libraries filled with hundreds or even thousands of titles for you to enjoy at any time. Make sure to check out the free perks included in your chosen package. For example, Spectrum gives its subscribers free HD channels on some of its plans. Premium packages from Spectrum also include movie channels like HBO, Cinemax, Showtime, TMC, and STARZ, as well as the NFL Network and NFL Redzone at no extra cost. Now that's what we call a deal!
The Amazon Fire TV specs are enough to allow for playing over 300 console and PC Games. If you are a gamer and want to stream games, then this is the one to get. The Fire is rooted in the Amazon Prime service and if you don’t plan on using Amazon Instant Video then the Fire TV may not be for you. You get 1 month of Amazon Prime free if you want to give the service a try.
I saw somewhere online that there is a free streaming service that offered nearly 200 channels for free. Why do You not include that service in Your overview? You are right about Direct T.V. That's what I have now and it is EXPENSIVE and a terrible service. I am hell bent on getting rid of it. I just can't decide whether to go with streaming or a cable service. How dependable are the steaming services?
I’ll keep my eyes peeled on you guys and your progress, and try to follow your lead! By the way you have all been most informative,and Peter, thanks for starting the subject you truly have helped my frame of mind. I know I threw in a bit of southern humor to keep you all entertained but buy God I am going to overcome this so-called generational gap and get in there with you all. I won’t be a tech. but perhaps I’ll learn how to better utilize my equipment…
Do you have baby items taking up space in your garage, but you aren’t ready to part with them yet? After all, you might want another kid . . . maybe one day. Instead of selling that high chair or baby jumper, why not rent them? Oh, we’re serious. On websites like goBaby, cribs can go for $10 to $50 a day, and strollers can collect $15 to $40 a day.(7)
The three aforementioned services are the most popular and have fairly similar offerings. Though their libraries are constantly changing, Netflix currently tends to have the deepest library of previously aired shows. A Hulu subscription also gives you access to current seasons of shows that are still on the air. And if you already pay for an Amazon Prime subscription, you should definitely see if they offer the shows you’d want to watch before subscribing to anything else.
I think what you’re asking is how you can make extra money to pay your real estate taxes. If that’s the case, it depends on your current financial situation, the amount of your estate taxes, your skills, and more. If you visit the “Make Money” section of our website, we have a few articles with different ideas that may be helpful for your situation: https://www.dollarsprout.com/category/make-money/
Rover is a dog walking and pet sitting website that is always looking for qualified dog walkers in cities all over the United States. So when you take your pup on a walk, you can also take a second (or third) dog with you and get paid to walk. 30-minute walks fall in the $10-30 range. With a neighborhood route, that can add up quickly! You’re just a short application away from getting started.

I can’t think of any no contract TV services that don’t require an internet connection, the only thing you can get as far as I know without internet is cable TV or over-the-air TV – and over-the-air isn’t going to have a lot of the TV stations you mention. For those you’ll have to pay for cable TV, or for a service that requires an internet connection.
Did you know that there are over 300,000 home service providers operating in neighborhoods across America? Our system searches hundreds of millions of rows of data to calculate whether or not each service provider will be available in your area. We examine every street, city, and zip code in the country, so that we can display the most accurate results and you can make the most informed decision. Whether you need to find the fastest internet in your area, save money on your cable bill, get a home security system, or set up utilities at your new place - we’ve made it our mission to bring you the best results. Sit back, relax, and let us do the heavy lifting for you. All you have to do is choose which provider you prefer!

Can you please help me. I live in Mexico. I have a Shaw box and get cable from Canada. They are changing so I need to change. I have no idea what to do. Some people here have Roku, others have Netflix. I have a JVC and Samsung purchased in Mexico. I like to watch the British dramas Shaw offers on my 5 PBS channels. I also watch HGTV and vet shows. I have read a lot, but am confused. What do I do?

I recently got rid of Comcast TV 6 months ago because they went up so high on their rates. Yesterday they did something now that you cannot use your TV to scan your channels to get any TV stations. I had this for over 6 months for free. Does anyone know a way how to get around this. Where I live I am not allowed to have a satellite dish and the mountains around me will not pick up on an antenna
Another issue is the availability of the local streams for networks like the Big 4: ABC, CBS, FOX and NBC. Several reasons prevent the services from just putting local streams out there. As a result, you will find situations like in Phoenix where YouTube TV streams all four, Sling TV streams just FOX and DirecTV Now can’t stream local channels at all. You can read our review of the best services for streaming local TV for more details.
The biggest downside to CBS is that their line-up is a bit lacking. While they do provide a sizeable on-demand catalog, other options such as DIRECTV Now, Hulu with Live TV, and Playstation Vue all include CBS in their base packages. With these services offering DVR capability, you could get the best of CBS, as well as a wider variety of shows from other channels.
It’s kind of like going the tutoring route, except you’re teaching English with a company like VIPKid (a big favorite of fans in our Ramsey Baby Steps Community on Facebook). Now if the word teach makes you a little nervous, don’t worry. They’ll handle all the lesson plans and grading for you. But you do need to have an interest in helping others learn and the ability to guide a class online. Getting paid while helping others? This one truly is a win-win!
Another way to watch TV for free is FTA (Free To Air) satellite. Receivers can be bought for as little as $50.00 on Ebay and if you have a bid C band dish or a Ku system 36″ dish you’re in business. Companies like Galaxy marketing, Sadoun Satellite Sales,and Satellite AV sell complete systems. I watch ABC, NBC, CBS, FOX.CW, This, AMG, White Springs, RFD, and many religious stations in English and Spanish. All For Free.

Initial installation may be more expensive with satellite service than initial installation with cable TV. Satellite dishes can be costly, so if your plan doesn’t include a satellite dish and installation, you can end up paying a good deal extra for these services. However, a lot of companies will include a satellite dish and installation for no extra cost, so just be sure to read the fine print.


While Netflix ($8-12 per month), Hulu ($8-12 per month) and Amazon Prime ($119 per year) are the most recognizable streaming services, they are not the only ones available. In fact, traditional streaming services — wherein you pay a monthly fee to consume as much content as you like on-demand — are only a small part of the market. Depending on how much you're willing to spend (from nothing up to hundreds of dollars per year), you can get just about anything you used to enjoy on cable.
We cut the cord nearly 10 years ago and have no regrets. My husband built an antenna out of PVC pipe and wire hangers (there are plans online for this) for the last house we lived in, and mounted it in the attic. We got approximately 50 over-the-air channels that way. When we moved, we did use Sling for a little while, and while that was great, we opted to install an antenna on the roof of the current house and cancel Sling. That said, I highly recommend Sling for popular channels. Currently my lineup is Amazon Prime TV (comes with my Prime membership), Netflix, and I pay the $5/month for AcornTV, because I love my British shows. Thanks for summing these up—I’ve been preaching cord-cutting for a long time, it’s great to see a blogger I respect touting the same thing! 🙂

Doing a truly honest inventory of which channels you can live without can reduce the pain of paying your cable bill each month. Did you know that you don't need anything more than basic cable in order to subscribe to pay channels like Starz and per-per-view events? The FCC requires cable companies to allow you to buy these premium channels without having to subscribe to higher tiers of service. So if your must-see show is on, say, HBO, maybe you can forego a fancier, more expensive plan and simply buy the channel on top of basic cable. Furthermore, expect various service charges to infect your bill. For example, you may pay a service charge for HD programming with your service provider. Also, you may face standard installation fees and activation fees. However, there are some providers that waive both standard installation and activation fees. With all this being said, these particular service charges may be subject to change.
I’m hesitant to cut the cord with cable tv due to my husband’s sports. He watches ESPN (a couple of different ones), and the Big 10 Network. Other than these sports channels, we mostly only watch the regular network channels. If I had the food network and HGTV I would watch them, but I can do without them just fine too. Hubby does like the DVR feature that our ‘big name’ cable company provides. But the monthly prices keeps climbing! Any suggestions you have for us?
Do you enjoy fast food or going into retail shops? Many companies hire mystery shoppers to test the customer service of their stores. A common one is Subway, which hires mystery shoppers to ensure that "Sandwich Artists" are following all the franchise guidelines. If you have time and can travel to different places, this could be a good side hustle.
Aside from those streaming behemoths, an increasing number of cable channels have launched their own independent services. HBO Now is at the high-end of this category, but many stations offer the ability to stream their shows for free, albeit with a few commercial breaks. And then there’s Dish Network’s newly launched Sling TV service, which streams a variety of live cable channels, including ESPN, for $20 per month.
If you aren’t close enough to the TV towers to use an indoor antenna you may need an outdoor solution. Furthermore, today’s digital TV signals require a TV with a digital tuner. If your TV was made before 2007, it may not have one. For solutions to these issues, check out my post How To Get Local Channels Without Cable. I also expand on this a bit in the TV Antenna section later in this guide.
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Do you watch a lot of movies? Then you probably need a super fast broadband connection to prevent lag and buffering issues. Do you just read and send emails? Then a more economical plan is probably the best plan for you given your data packets are much smaller. Do you post photos to social media and read content? You probably want to consider a balance between speed and price. Are you a gamer? Then a high-speed broadband internet connection is probably the best to make sure you don’t experience latency issues during gameplay.

There are many differences. SlingTV is the cheapest, but it's missing many channels unless you pay extra for them. And If you're a fan of Nickelodeon or PBS, you won't be able to see the kids' TV favorite on YouTubeTV, SlingTV, Sony PlayStation VUE or Hulu with Live TV, but you can get Nick with DirecTV Now. And if you have an Amazon Fire TV Stick as your streaming device to bring Internet to your TV, you can't see YouTubeTV. 
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I know about Netflix I don’t know much about Hulu or sling. I want to be able to watch the cw, AMC, ion, TLC, animal planet and a few more. Is that available with sling. And what is that antenna for me that’s rabbit ears lol. Whoever pays $100 for cable its not bad I hate to say I am paying $186 a month I am also on a fixed income. Obviously I need help. Any advice would be appreciated.
An HD antenna won’t give you all of the channels you would have access to if you purchased a cable subscription. However, it will increase the number of channels you can watch on local TV. And the one-time cost (as opposed to an ongoing monthly fee) means you’ll save money. It can be another attractive feature of using antennas to expand your viewing choices.

Another major advantage of the PlayOn app is the DVR feature, which comes with the paid version of the app ($69.99 for a lifetime license, $7.99 monthly, or $30 annually). The upgraded version allows you to record and save videos from any of their channels, and the saved content can then be watched offline, or streamed to media servers and other devices compatible with the PlayOn App.


Beware of the trial period for Sling, they charge you on the very minute your trial expires and will not refund your money. I just called because there was a 12 hour delay from the time my trial expired and I was charged and when I cancelled (my fault, I know). Thought I'd call and explain the mixup thinking the trial was for the full day and I cancelled at 8am the next day, they will not refund my money. I mentioned that seemed like big cable company treatment and the rep didn't seem to care, company policy is not to refund any partial months. Seems to me like a great way to sucker a bunch of potential new customers into paying for a month, not a fan of that type of business practice.
You simply can't get the live sports experience with internet based streaming services that you can get from cable TV. Don't believe us? We'll give you an example. Let's say you're watching the Super Bowl on your favorite streaming service. There's 2 minutes left in the fourth quarter, and your team is about to score the winning touchdown. Suddenly, the screen freezes. Now you're stuck screaming at your laptop or TV, not knowing if your team won the biggest game of the entire season. (And yes, this has actually happened before).
When talking to people who are interested in cutting the cord, the issue that continually crops up is how to find affordable internet access. Many ask how to obtain internet access without a cable TV bundle. While market competition between internet service providers in the U.S. is extremely low, you can still find deals on high-speed internet only plans without a TV bundle.
Last year, the company’s VP of customer service, Tom Karinshak, detailed some steps Comcast is making to overhaul its customer service, including; expanding digital care teams, a callback feature that allows you to schedule a time for Comcast to call you (rather than wait on hold), and an ETA feature that messages customers on the arrival status of service technicians (for installation and troubleshooting).
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