Should You Pay For Channel Subscriptions Instead of Cable?

Channel Subscriptions
If you’re one of the few people out there still paying for cable and not just watching Netflix, you probably only watch a few of the hundreds and thousands of channels you have. Most of the time you have something you like to watch and you watch that, you don’t look for something new. So, what if you simply paid for the channel subscription instead of full-on cable? Will it save you money?

What is a Channel Subscription?

Channel subscriptions are a fairly new concept. You could always pay extra money on your cable bill for TV stations like Home Box Office (HBO), STARZ or Showtime but now, with more people turning to streaming services, more channels are offering a subscription option where you can pay for content from that network or channel exclusively.

For example, right now I pay for Amazon Prime, HBO, Funimation, Netflix and Hulu. Literally everything I could ever want to watch is on one of those subscription services and, if it isn’t, there is a good chance I can find it somewhere on the web. These five services cost me about $50 per month, which isn’t bad considering some of the steep cable prices and I can cancel any of the services without penalty whenever I’d like. So, if I want to cut back one month I can cut some subscriptions and just start them back up down the road. Many people are switching to this kind of home entertainment but are channel subscriptions cheaper and do they provide the same quality?

Channel Subscriptions vs. Cable

Personally, channel subscriptions are the way to go for me. I can pay my internet and “cable” bill for less than $100 per month and watch everything I would normally watch and more. Deciding whether or not relying on channel subscriptions would be a good fit for you, you’ll have a few things to consider:

  • How many channels do you watch? I never watched TV religiously so having a plethora of channels to mindlessly scroll through didn’t matter much. I only watched the news (which I can stream online) and a few TV shows (most of which are available on one of my streaming services). Most other times the TV was just background noise. If you watch a ton of your current channels, however, you may not want to son cider a channel subscription service. Additionally, some services won’t have your favorite channel or favorite show. For instance, Hulu doesn’t stream “The Daily Show” so I have to find it elsewhere.
  • Do you have to watch your shows on time? If watching your shows at the same time as everyone else matters to you, don’t switch to a subscription service. Even my HBO service takes a day to update and Hulu can takes days (or even a week sometimes). This means having to wait a while to see some of the shows you want to see but it can mean serious savings.  
  • What is your budget? Most people consider switching to channel subscriptions so that they can save money. Before establishing which subscription services you’d like you should have a budget in mind. Remember that in order to have channel subscriptions you will need internet and a device to watch your content on.
  • What are cable/internet prices in your area and how do they compare? In my area the average internet-cable package runs around $150 per month. Essentially, switching to channel subscriptions saved me about $50 per month. That won’t be the case for every city in every state though. Be sure to calculate your “stacked” channel subscriptions and internet price and then compare it with the price of cable in your area to be sure switching is a good idea.
  • Are you in a contract with your cable company? Lastly, find out whether or not you are contractually bound to stay with your current provider. If you’ve signed up for a year or more getting out of your contract early could be costly and, frankly, not worth switching over.

Before you make a decision be sure to keep keep each of the above in mind. Also, note that most channel subscriptions have at least a one week free trial (so you can try it out before you commit). Many people are turning to channel subscriptions like the ones mentioned in this article to replace their current television provider. For me, and many others, it is a great way to save some extra money.

Do you use a streaming service or channel subscription instead of traditional cable? How much do you save? 

Photo: Tom’s Guide

Secured vs. Unsecured Loans – Everything You Need to Know

If you have ever looked towards taking out any form of credit in the shape of a loan, then you more than likely would have come across the following terms: secured and unsecured loans. Loans typically fall into the two categories and each offer entirely different benefits and drawbacks that are important to rake note of before securing yourself with a loan. Security is one of the most important things to assess as it looks at how you will look towards making repayments and your ability to meet payments.

[Read more…]

Not Getting a Tax Refund? Here Are More Ways to Save Money

More Ways to Save Money

Buzz around town would suggest that many people aren’t getting their regular tax refunds this year. Individuals have been complaining about not being able to purchase what they’d planned with their tax refund. Many people rely on a refund to make purchases they’ve been putting off like buying a new car or going on a family vacation. You don’t need to wait until tax season to have the cash for those thing though. You can be saving money all year round.

More Ways to Save Money

Saving money is extremely important but it can be redundant. If you are looking for more ways to save money, you’ve come to the right place. Below are 10 relatively unique ways to save money.

1. Host a For-Profit Party

Have you ever been to a rent party? It is something college students who rent apartment off campus do quite often. They provide a little cash to throw the party and then charge attendees an admission fee. If you can through a really great budget party, this may be for you! Once the party is over, you can bank the cash you made.

2. Get a Side Hustle

If throwing a for-profit party doesn’t sound like it’s for you then you can easily find a side hustle and bank the extra cash. Some great side hustles are freelance writing, lawn maintenance, childcare and even cleaning!

3. Try a Money Challenge

A few years ago the internet blew up with these money challenges. Essentially you challenge yourself to save a certain amount of money each day, week or month, reaching an annual goal. If you’ve tried these and they seem to be getting monotonous you can try some of these 52 Week Money Challenge Alternatives.

4. Start an IRA or 401K

It is never too early to save for retirement and the cash you put into a retirement account can oftentimes be written off on your taxes (making a refund more likely next year). Additionally, if you start a 401K through your employer they may match your contribution, multiplying your savings over time.

5. Make Savings Automatic

Everyone has heard of automatically drafting your savings from each paycheck but why not make it a bit more fun? Acorns is another great not only to save money but also to invest your money. The app will allow you to link a bank account and credit/debit card. When you make purchases, it rounds up and takes the difference and invests it for you.

6. Re-Budget and Cut Expenses

Another more traditional way to save is cutting expenses. However, you don’t have to cut out things you enjoy all the time. You can be a bit more creative and try a $25 per week food budget or attempt to ride a bike/walk more than you drive your car.

7. Stop Eating Out

Check out Pinterest and find something interesting to cook at home. Eating out is extremely expensive and, for the most part, you are getting half as much food (sometimes even less). You can eat a great meal at home for much less. If you get bored with your at-home menu easily, search the web and find something new to try. Here’s a good budget grocery list.

8. Try the $1 Bill or $5 Bill Challenge

Money challenges were mentioned above but, unlike the daily and weekly challenge, this challenge deals with physical cash. Many people perform the $5 Bill Challenge. This challenge dictates that every $5 bill you receive in change will go into savings. (I recently stated doing the same thing with ones.)

9. Choose to Be Cheap

Don’t be afraid to be known as the frugal person (these celebrities do it). Your finances will thank you later. You can turn people down for outings, buy used clothing and shop marked down meats without feeling a bit of shame because you will be securing your savings and your financial future.

10. Find Free (or Nearly Free) Hobbies

If you enjoy spending money on going out or hobbies, find some activities you enjoy that are cheaper or free. Discover free (or nearly free) hobbies by following this link.

Whatever you decide to do, saving money is extremely important. Whether you trim your budget or set up a 401K, planning ahead and saving will insure you won’t have to wait for a tax refund to buy that new car.

Photo: OTA Photos

What is Jenna Marbles’ Net Worth?

Jenna Marbles' net worth
If you’re like me (and every other millennial out there) you probably LOVE Youtube. The site went from nonexistent to the number one place to search for a video on the Web in just a few years. What is even more surprising about Youtube, however, is the number of stars the site has been able to produce and how much cash they rake in from it.

One of my favorite Youtube stars is Jenn Marbles. She, her boyfriend, her cute dogs and goofy personality all make for a great Youtube channel to subscribe to. I’ve been watching her videos for years! While I was watching one of her videos the other day (I tune in regularly), I started wondering, “what is Jenna Marbles’ net worth?”

Jenna Marbles’ Youtube Career

You may have never heard of Jenna Marbles (born Jenna Mourey) before and that’s okay. Take a second and look her up on Youtube. She’s hilarious! Marbles’ Youtube channel has basically been a place for people to go for humorous narratives and even pranks (she taped herself calling out at places she didn’t work and it was great). Jenna, unlike many others, literally blew up over night..

Her career was kickstarted (like more are being started every day) with a Youtube video. The first Jenna Marbles video titled, “How To Trick People Into Thinking You’re Good Looking” was released in 2010. Within the first week of it being online it was viewed 5.3 million times.

Now Marbles uploads a new video every Wednesday or Thursday and has more than 17 million subscribers and 2.2 billion video views. And, like many other Youtube stars, she isn’t restricting her talents to the computer screen.

In fact, the 30-year-old Youtuber hosts a weekly pop countdown on Sirus XM 1 called “Youtube 15.” Marbles has also appeared in a number of television movies, television shows and recently released her own brand of dog toys called Kermie and Mr. Marbles, which is making her a bit of cash.  Additionally, Marbles is an executive producer on the set of “Maximum Ride,” a film based on a novel by James Patterson.

So, with all of her success within the past few years, what is Jenna Marbles’ net worth and how did she make her money?

Jenna Marbles’ Net Worth

Jenna Marbles' net worthJenna Marbles’ net worth sits at a comfortable $2.9 million. Considering the salaries of other top-paid Youtubers, Marbles isn’t doing too shabby! How much cash is she pulling in from Youtube though?

Youtube stars actually make a ton of cash. So, if you’re as successful as someone like Jenna Marbles then you can make millions too. Similar Youtube stars make six figures a year (or more) and once you become well known you’ll start landing other lucrative deals like Marbles did.

In addition to her Youtube income, Marbles is also raking in some cash from her dog toy venture (mentioned above) as well as her dabbling in movies (most recently producing “Maximum Ride”). She will also continue her Youtube postings in 2017, which are likely to help her score even more cash in the future!

Did you enjoy reading about Jenna Marbles’ net worth? You may also enjoy reading about Conor Maynard’s net worth

Photos: Play Buzz and Heavy