There seems to be some confusion with this thing so I decided to do a Trim review to help you better understand what it is all about.
On top of always looking for better ways to save money, I love to find better ways to deal with debt.
There aren’t many affordable options when it comes to the dreaded topic but I’m glad I came across Trim.
They have helped me with my interest rates and now my balances are headed on a downward trend without having to feel like I’m on a treadmill.
That is just one of the features that Trim has but I will be covering more on what else they have to offer throughout this review.
I’m sure some of you think this is possibly a scam or you’re skeptical about providing any bank information and that’s completely normal.
Heck, that’s good that you’re concerned.
Is Trim as safe as they claim it to be?
Whatever questions you may have, I will provide those answers.
You can always skip to any specific topics you might be interested in by utilizing our table of contents and you can also get the nutshell version below if your’e too lazy to read.
For a more detailed explanation of things, you can read on through.
Table of Contents
Trim Review – Product Overview
Name: Trim (asktrim)
Overall Rating: 4.5/5 stars
Trim is here to help with all your financial needs. What started as a savings assistant has now grown into a lot more. It is completely free to join and is 100% legit.
What is Trim?
Trim, found at Asktrim.com is an artificial intelligence software that will help you with all kinds of financial issues.
Some call it Trim, while others use the domain name, asktrim but you can call it whatever you want.
For this Trim review, we are going to call it Trim, even if it is probably too common of a word that it can be confused with other things like exercise.
The company started back in 2015 with the goal of helping you save more money and has grown since then.
From managing subscriptions that you probably don’t need to letting you know that your cable provider is overcharging you, there is a lot that Trim can do.
They now offer ways to tackle debt as they can contact your credit card company to talk them into lowering your interest rate.
It’s like you have a lawyer but without paying the crazy lawyer price.
Trim members have saved thousands of dollars with just their cable bills and you’ve probably seen that already.
They also help with savings and even building a nice retirement portfolio.
The average Trim member has saved at least $200 on their cable bill alone and I’m sure that is enough for you to at least try Trim for free.
How Trim Works
Trim is very simple software and does not require you to download any apps.
Instead, they will use SMS or Facebook Messenger, which is where the whole process starts.
Some of you are used to apps like Get Waldo that give you cash back through spending but Trim pretty much does the opposite.
Instead of encouraging irresponsible spending, Trim will tell you where you can save.
The signup process is very straight forward and goes straight to Facebook messenger if you are logged in or you can opt to get the info through SMS.
Once that is done, you will answer a few questions so that they can see what you need help with.
Then you will have to link one of your bank accounts, as that is what they will use to better understand what you need help with.
From there, the software can see what bills you have as well as all the activity that comes with that specific account.
This is also how they are able to see your cable provider as well as contact them to lower your bill.
I never thought that was even possible but thanks to Trim, I now understand that negotiations are a thing and you can actually do that everywhere else.
Is Trim Safe?
Trim is just like Charlie as they use the same 256-bit SSL encryption that the banks use.
They also will not work with any sites that aren’t using the “https” standard for almost all websites these days.
Now we all know that you can say what you want about how safe something is online, but there always seems to be issues when it comes to safety.
Hackers do exist and they will always try to get into a system regardless of how safe their claims are.
But what gives you the peace of mind here is that its members can vouch for their safety.
I have not heard of any horror stories so that will tell you a lot more than the whole 256-bit encryption that they have going on.
The Price to Join Trim
Trim is completely free to join but there is a premium “debt payoff” option that I personally really like.
This will help you if you are looking to pay your debt off faster but it does have other cool benefits.
- Save you money on interest
- Build you a budget
- Grow your savings
- Access a personal coach at anytime
- Automatically pay down debt
This will not affect your credit score in a negative way, but of course it will help it with some professional help and advice.
The best part about this is that the experts in Trim will negotiate directly with your credit card provider with you on the line.
Some of you would rather not talk to anyone about your debt, let alone try to talk about lowering your interest.
For $10/month, you can get everything mentioned above instead of paying thousands of dollars to a lawyer that does the same thing.
So if there’s one thing in this Trim review that you should consider, it would be that.
Trim is free and does not require you to download an actual app, either.
They don’t ask for much information but you will have to share your login credentials through your bank account.
Again, this is safe.
Once that is complete, you will be asked a couple of questions to better match your wants and needs.
They offer things like…
- Track your budget
- Lower your spending
- Build your savings
- Pay down debt
From the time they started to the writing of this Trim review, this company has definitely evolved and grown.
Not all features were available in the past, but now they are, which is something that makes them better.
I personally use Acorns to help me with this, but Trim does the same exact thing.
Trim will take your income, evaluate your irresponsible spending habits, and give you a plan to help you be a lot smarter when it comes to saving.
Most of us spend a lot more than we make (and yes it is possible) and this can go on for months and years without you ever knowing.
Forget about going to some financial advisor for help though as the Trim software will do all the work for you.
Now whether you follow their advice or not is up to you but I’m sure you can learn a thing or two about where your money is going and how you can be more responsible.
Trim does great when it comes to savings as they go through your account and will make recommendations on whatever it is that you can save.
We all have bills and most of us will NEVER try to do any type of negotiations to get them lowered.
With Trim, that’s what they do best.
What’s even better is that they will do all the work for you.
The whole cable bill savings is, of course, their biggest money saver as they might have a deal with the many companies they work with.
For a free software to save you that much money, I think it’s a real no-brainer.
This is another cool feature that trim has.
We are all subscribed to at least one thing because of our society.
Netflix, Dollar Shave Club, or even some MLM like Melaleuca are some great examples and Trim will help you mange them.
Some of you might be thinking that you have everything under control but in reality you really don’t.
You might be like me and forget about the little things.
That $5 iCloud subscription or that trial went premium Spotify offer?
There are many things you might be subscribed to, and you don’t even know it.
Maybe because you probably don’t know it or you might just be brushing it off because the fee is so small.
Try adding all your subscriptions up, and you will see that you can easily clear a hundred buckaroos for the month.
Let Trim give you some advice, and you will see that they are a lot more helpful than you think.
Not everyone plans for retirement unless they have one from their job.
Even at that, most aren’t very knowledgeable with theirs and will not have enough money to pay them bills when it comes time to retire.
This is where Trim can help.
On top of helping you budget better, they will help you build for your retirement.
Use it for that or just as an emergency fund of some sort.
Most of us have $0 in our savings accounts, and sometimes it just takes the proper guidance.
Trim will help in this department and they do a pretty good job at it too.
This is my most favorite feature with Trim but it does come with a price tag.
Now it is $10 a month, and I think it is very much worth it.
They give you advice on things regardless, but if you do pay, they can and will get on the phone with your credit card company.
Talking to anyone about credit and interest is never fun, so I think $10 is worth every penny.
Trim debt, lower your APR, and guess what the best part is?
Improve your credit score!
We all can use a better credit score unless you are just that responsible, and Trim can help you with that.
Overall, Trim is a lot better than most financial services of its kind.
Trim Review – The Final Verdict
Legit and highly recommended.
With all the financial apps and tools I use, Trim is one of my favorites.
They are not a scam and they are really safe to use.
Trim is legit and is a lot better than those apps that you download, use for a couple of times, and then forget about it eventually.
You know exactly what I’m talking about, and it does not take this Trim review to show you either.
With the messenger type service, you will get notified whenever there’s a chance for you to save on something.
You also won’t get bombarded with nonsense that makes you want to mute the chat.
For yet another free service, Trim is one you should at least try.
Well that about wraps this Trim review up, and I hope you’ve learned a thing or two.
All these apps and free services are great and all but I get asked the same questions over and over again.
“How can I make more money?”
“John, can you show me a legit way to make money online?”
As much as it gets redundant, I’m glad they do ask as there are way too many scams out there.
I personally always recommend something like affiliate marketing as it doesn’t cost an arm and a leg to get started.
Also, the income potential is very nice, and the work can be fun.
Checkout this list of the best affiliate marketing training courses and see what works best for you.
Those are what I recommend and also what I have tried myself.
Besides that, I hope this Trim review has been helpful to you in one way or another.
If you have any questions or simply would like to leave your two cents, you can do so in the comments section below.
Thanks for reading and don’t forget to subscribe responsibly!