Many financial advisors seem to think skipping your morning latte and putting the money in a savings account is the one perfect way to financial triumph.

They may be right, but if your morning coffee is the price of happiness, why not lower your bills without negatively affecting your life?

A higher credit score automatically lowers your bills

Giving your credit score a boost is a great way to take advantage of lower interest rates and insurance rates. 

Try a site like StellarFi for a boost in your credit. When your credit score goes up, you’ve also managed to unlock more possibilities that didn’t exist before. Want to buy a house? A car? Take out a loan? You’ve set yourself up for success with StellarFi and from there, it’s up to you. The sky’s the limit!

Did you know that certain money management habits can lower your credit score and raise your bills?

Check your credit report for these red flags:

• You owe more than 30% of your total credit line on revolving accounts
• You’ve applied for a lot of different credit accounts in the past year
• You have paid your credit card bills late in the past year
• You’ve opened more than 3 lines of credit in the past year

Spending just a bit of time and energy adopting better money management habits pays off when it comes to lowering your bills.

Depending on your location, drivers with a decent credit score pay about $200 more per year for the same automobile insurance as drivers with excellent scores.

A poor credit score could add more than $1,000 per year to your car insurance premium. That’s a lotta latte.

Not ready to give up your guilty pleasures? Try this instead

Nearly everyone has a side gig these days. Reddit devotees call it “beer money” and in the UK, it’s known as “whiskey money.”

The idea that taking a few online surveys or downloading some nearly passive money-making apps could fuel your desire for the finer things is a popular one.

Want to give it a try? Here are our suggestions:

Inbox Pays

InboxPays offers a practical way to make a bit of cash on the side. This company offers cash (their sign-up bonus should cover your skinny caramel mocha, today) in exchange for filling out simple surveys.

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The platform is easy to use. InboxPays sends a survey link via email, you click on the link, and if you qualify for the survey they reward you with points. You’ll also be rewarded for shopping online through their site.

Branded Surveys

Branded Surveys is a survey site from one of the world’s largest Internet marketing research agencies. After going through their short onboarding process, you will get invitations to participate in surveys. They pay in points, which are easy to redeem for cash or prizes.

If you don’t qualify for a particular survey, you’ll be screened out quickly (less than two minutes) so this site isn’t a time-waster.

Both money-making survey reward sites are easy to use on a smartphone, so you can make some pocket changes on-the-go. That’s right. Add to your income while you wait in line.

Small changes add up to have a big effect on your budget. However, there’s no need to impose unnecessary suffering. Make a few tiny and painless changes like the suggestions above and watch the financial tide turn in your favor.