Use Amazon Prime? Here Are 10 Genius Hacks You Need to Know.

Prime users are pros at getting a good deal.

But let's be honest. Saving money isn’t always easy. Between rising prices, sneaky subscription fees, and bills that never quit, it feels like everything’s working against your wallet.

Here are 10 easy hacks every savvy Prime member should know.

The best part? You can do most of these from your couch in under 10 minutes.

1. Switch your auto insurance (save $400+/yr)

Believe it or not, the average American family still overspends by $461/year¹ on car insurance.

Sometimes it's even worse: I switched carriers last year and saved literally $1,300/year.

Here’s how to quickly see how much you’re being overcharged (takes maybe a couple of minutes):

• Pull up Coverage.com - it's a free site that will compare offers for you

• Answer the questions on the page

• It’ll spit out a bunch of insurance offers for you.

That’s literally it. You’ll likely save yourself a bunch of money.

Here’s a link to Coverage.com

2. Let this company pay off your debt for you

If you’ve got $10k+ in unsecured debt (think credit cards, medical bills, etc), you could use a debt relief program and potentially reduce it by around 23% (on average).

Here’s how to quickly see if you qualify for debt relief:

• Head to National Debt Relief’s site here

• Answer the questions on the page

• Find out if you qualify

Simple as that. You’ll likely end up paying less than you owed and could be debt free in 24-48 months.

Here’s a link to National Debt Relief.

3. Get a financial advisor

Most people don’t have one, and it’s typically a huge mistake.

Sure, you can manage things on your own if you want to, but most people don’t have the time to actually do things right. There are huge benefits to having somebody pay attention to your money all the time.

People with financial advisors tend to beat the market by ~3%/year (according to a 2019 Vanguard Study). That can make a huge difference over time.

But more important: a good advisor will handle ALL of the annoying retirement stuff & bizarro tax implications you would have never thought of

If you don’t know a financial advisor personally, use a comparison site (like Datalign) and find somebody near you that has good reviews.

Or if you want something easier, here’s a quiz you can fill out that can find an advisor/planner based on your reqs.

4. If you're stressed about money, your home equity could help

If you own your home but are low on cash, you might want to look into a HELOC (home equity line of credit). It’s more/less a credit card, but you borrow against your home’s equity.

They usually have lower interest rates and more flexible terms that a typical loan would.

Here’s a calculator you can use to see how much money you could access: link.

5. Get an adblocker

If you aren’t using an ad blocker yet, I am begging you to try one. I am not exaggerating when I say it will change your life.

A good ad blocker will eliminate virtually all of the ads you’d see on the internet.

No more YouTube ads, no more banner ads, no more pop-up ads, etc. It’s incredible.

Most people I know use Total Adblock (link here) – it’s $2.42/month, but there are plenty of solid options.

Ads also typically take a while to load, so using an ad blocker reduces loading times (typically by 50% or more). They also block ad tracking pixels to protect your privacy, which is nice.

Here’s a link to Total Adblock, if you’re interested.

6. Switch home insurance (potentially save $1k/yr)

Switching home insurance will often save you more than switching auto policies (I've heard of people saving $1k per year by switching).

Here's the home insurance comparison site I typically use: link.

7. Stop paying your credit card company.

If you’re stuck with credit card debt, you feel it. The high interest, the endless payments, the sinking feeling that you’re never getting ahead.

And let’s be honest—your credit card company isn’t on your side.  It’s making a fortune off you with interest rates that can hit 36%. But Bankrate could help you escape the cycle.

They let you compare personal loan options from multiple lenders to find the best rates. If you owe $100,000 or less, you could get a lower-interest loan to pay off your balances—fast.

The upside? You’ll have just one monthly payment. And because personal loans typically come with lower rates (Bankrate lenders offer options as low as 6.70% APR), you’ll get out of debt sooner. Plus, no credit card bill this month.

You don’t need perfect credit to check your options, and looking won’t hurt your score. Bankrate has been helping people find the best loan rates for decades—it’s one of the most trusted names in the industry.

It takes less than 2 minutes to compare your options. No Social Security number required, just a real phone number (but don’t worry—they won’t spam you).

8. Become a paid game tester ($20/day).

Apps like Freecash will pay you to test new iOS/Android games on your phone.

Some games pay as much as $350 to testers. Here are a few examples right now (from Freecash's homepage):

You don't need any kind of degree or any prior experience: all you really need is a smartphone (Android or IOS).

If you're scrolling on your phone anyway, why not get paid for it?

I've used Freecash in the past - it’s solid. They also gave me a $5 bonus instantly when I installed my first game, which was nice.

9. Let a company pay for your home repairs

If you have a home warranty, your warranty company will likely pay your home repair bills for you.

If you don’t have a warranty yet, think about getting yourself one. Choice Warranty is pretty good (link here).

Home warranty companies usually have pre-vetted maintenance and repair workers ready to get the job done (which is one less thing to worry about).

If you’re interested just enter your zip code here to look at pricing etc. Could save you a bunch of money the next time something breaks down.

10. Cancel subscriptions you aren't using

We've all signed up for free trials and forgotten to cancel them. Stop paying for services you aren't using!

Take a minute and get yourself a good cancellation app: I like Rocket Money (link here).

It's an app that will put together a list of your subscriptions so you can pick/choose which ones to cancel.

They also have a premium service that will cancel them for you, if you'd like.

Here's a link (it's free).

11. Stop paying interest payments until 2027

High-interest credit card payments can be a nightmare. Have you ever wished you could just take a break from them?

You actually might be able to. Many people may not know, but there's a great way to avoid interest payments for over a year or more.

It's called a balance transfer. In simple terms, you move your balance to a new credit card that offers a 0% intro APR for a set period of time, which could help you save on interest.

If you're interested, here are a few great balance transfer cards to look into: link here.

12. Switch to a high-yield savings account.

Most regular savings accounts pay you nearly nothing when it comes to interest (~0.41% is the national average).

Some banks offer dramatically better rates. SoFi®, for example, has a savings account with up to 3.80% APY as of the time I’m writing this (9x higher than the avg.).

E.g. if you park $100k in their savings account, you’ll earn up to $3,800 in interest in a year.

Open an account here, if you’re interested.

13. Refi your home loan and potentially save money.

With interest rates dipping right now, it could be smart to take a closer look at your home loan.

Even a small drop in rates can mean significant savings over time, so locking in something lower now could potentially pay off down the line.

There are a few lenders offering some pretty competitive rates and flexible terms at the moment. If you’ve been on the fence, this might be a good opportunity to do something before things shift again. Here’s a link to one of those lenders.

14. Invest with professional guidance

If you’ve got $25k+ to invest, Motley Fool Stock Advisor might be worth a look.

Their stock recommendations have outperformed the S&P 500 by more than 4x over the last 20+ years, with a return of 839%* as of March 24, 2025.

Members get two new stock recommendations every month, plus access to their top 10 picks.

Whether you’re a cautious investor or you want to take more risks, their strategies are designed to help maximize returns.

The first year of membership is just $99, and if it’s not for you, there’s a 30-day membership-fee-back guarantee. Check it out here.

15. Get a better cash back credit card

If you haven't switched your credit card lately, there's a good chance that you're missing out on a bunch of cash back (cash back rates are much higher than they used to be).

Two of my favorites that are worth looking at:

- 3% cash back at grocery stores (excluding superstores, like Walmart and Target), dining & popular streaming services and 1% on everything else - Capital One Savor Cash Rewards

- 1.5% cash back on everything -  Capital One Quicksilver Cash Rewards

16. Get major discounts (for just $16/year).

You’ve probably heard of AARP, but here’s something I didn’t know until recently: you don’t have to be over 50 to join. While a few perks are reserved for the 50+ crowd, there are still plenty of benefits worth checking out.

They offer discounts on a ton of stuff - dining, travel, gas, groceries, entertainment, etc. So if you like saving money (who doesn’t?), it’s worth checking out.

Membership is ~$16/year, but if you make the most of their offers, it pretty much pays for itself. 

Plus, they have some solid resources and tools that can come in handy for things like managing finances or planning for the future.

Not saying it’s for everyone, but if you like getting a good deal, it might be worth a look. Head to their site here.

That’s all (for now).

Thanks for reading!