Are you spending your hard-earned money on stuff you can get for free?

Technology has forever changed how we live our lives.

If you were alive just 30 years ago, you will surely remember how different things used to be.

No one would have thought that with just a swipe or a tap on our phones, we could have a car waiting for us, our groceries delivered right to our doorstep, or send money to someone a thousand miles away.

Nowadays, there's an app or website for everything, from entertainment to education, productivity, finance, and more. These enable us to work better, learn more, and enjoy experiences with just our phones or laptops.

We are so used to having it easy that we are willing to pay extra for convenience. The popularity of Uber, Amazon, Venmo, and other applications shows just how much we are willing to pay.

But wouldn't it be even better if you didn't have to spend anything, and yet still get the ease and convenience you've gotten used to?

While you may have heard, or are even already using, some free apps, there are a lot more you may not know about that could add so much value to your life.

With so many resources available online, it can be hard to filter through the haystack to find those truly useful gems.

This user-friendly compilation of the best free online resources will take out the effort for you.

In Top 99 Free Online Resources You May Not Know About That Can Change Your Life Completely, you will discover the lesser-known but just as valuable online sites. Inside, you'll find:

• How you can legally download licensed digital products at absolutely no cost
• The foolproof way of avoiding the temptation of social media while you're working, without having to turn off your phone or go offline
• How you can easily create an impressive website without any coding knowledge by using this free online tool
• Where you can access over a million professional photos to instantly enhance the look of your ad without spending a cent on royalties
• How you can attend university-level classes at Harvard for free without ever having to leave your home
• A free (and legitimate!) movie streaming service that offers some quality titles Netflix may not have, so you won't have to pay for more than one streaming subscription
• Why you don't need to spend your hard-earned money on Photoshop when you can edit images just as well with these free photo editing options
• The easy-to-use all-in-one personal finance tool that is so powerful and effective, you'll wonder why they're letting you use it for free

And much more.

There are times when paying for a service or tool may be worth it.

Maybe your business has gotten big enough to require and support a paid service. Maybe you have built up your skills well enough that the free version is not enough. Maybe there are some premium benefits you want to avail of.

Ultimately, it's up to you to weigh your options and decide what's best for you and your needs.

But the important thing is knowing you have free options to start with, and that you don't need to spend money to improve your life.

Stop wasting your money and take advantage of the free resources available at your disposal.