Are You Paying Too Much for Your Monthly Bills?
We publish free guides, word-for-word negotiation scripts and private calculators that show where your money is leaking, plus a free bill review if you would rather have help. Internet, phone, insurance, energy, medical bills and subscriptions can usually be negotiated, switched or trimmed.
- Takes about 2 minutes
- No credit check
- Free, no obligation
Prefer to do it yourself?
Try the Bill Savings Finder Rank your bills by how much room there may be to save. Nothing you type leaves your device.Get Your Free Bill Analysis
Three quick questions. Free, with no obligation.
We never sell your information to telemarketing lists.
Where households typically save
Approximate ranges from our guides for the bills people ask us about most
| Bill type | Typical savings range | Start here |
|---|---|---|
| Internet & TV | $10–$40/mo | Internet Speed & Price Checker → |
| Cell phone | $15–$50/mo per line* | Cell Phone Plan Calculator → |
| Car insurance | $200–$600/yr when you shop | Insurance guides → |
| Electric & gas | 5–15% of the bill | Utilities & energy guides → |
| Medical bills | Errors and financial aid can cut large amounts | Medical bill guides → |
| Subscriptions | $10–$50/mo | Subscription Cost Calculator → |
Approximate ranges; savings vary by location, provider and circumstances. *Per line, depending on plan and carrier.
Research Categories
Independent guides across the bills that leave your account every month
Internet & TV
Negotiate your plan, drop equipment fees and cut cable without losing your shows.
Guides$10-$40/moCell Phone Bills
Switch to a cheaper plan, trim lines and add-ons, and keep your number.
Guides$15-$50/mo per lineInsurance
Shop car, home and renters coverage the smart way and ask for every discount.
Guides$200-$600/yrUtilities & Energy
Lower electric, gas and water bills with simple fixes and better rate plans.
Guides5-15% of the billMedical Bills
Check bills for errors, ask for financial assistance and negotiate balances.
GuidesErrors & aidSubscriptions & Fees
Find forgotten charges, cancel what you do not use and get fees reversed.
Guides$10-$50/moBill Help Programs
Government, utility and nonprofit programs that help pay essential bills.
GuidesCheck eligibilityNegotiation Scripts
Word-for-word scripts for calling providers and handling pushback.
GuidesFree scriptsWord-for-word negotiation scripts
Know exactly what to say before you call. Pick the bill and your situation, and get a script you can read from, including what to say when the first answer is no.
- Scripts for internet, phone, insurance and medical bills
- Replies for the most common pushback
- Five private calculators that run in your browser
Start with the script builder
Free, no sign-up, works on your phone.
Build my call scriptSee all free toolsLatest guides
Fresh, practical ways to cut what you pay each month
-
Read guide: Help Paying Your Electric Bill: Where to Turn
Help Paying Your Electric Bill: Where to Turn
Need help paying your electric bill? Learn where to find assistance, how to ask your utility for relief and what to say. See your…
-
Read guide: No Surprises Act Explained: Your Rights in Plain English
No Surprises Act Explained: Your Rights in Plain English
The No Surprises Act protects you from many surprise medical bills. Learn what it covers, what it doesn’t, and how to dispute a bill.…
-
Read guide: Average Car Insurance Cost: Are You Paying Too Much?
Average Car Insurance Cost: Are You Paying Too Much?
See the average car insurance cost by coverage level and what drives your rate, plus simple steps to pay less. Check how your bill…
-
Read guide: How Much Is Renters Insurance (and How to Pay Less)?
How Much Is Renters Insurance (and How to Pay Less)?
How much is renters insurance? Typical costs per month, what drives your price, and 10 ways to pay less without losing coverage. See how…
-
Read guide: Cheapest Internet Providers: Plans Worth a Look in 2025
Cheapest Internet Providers: Plans Worth a Look in 2025
Find the cheapest internet providers by type, what plans really cost, and how to get a lower rate. See which options fit your budget…
-
Read guide: HSA vs FSA: Which Saves You More? (2025 Guide)
HSA vs FSA: Which Saves You More? (2025 Guide)
HSA vs FSA explained in plain English: who qualifies, how much each can save, what happens to unused money, and how to pick. See…
Our Research Process
A methodical, transparent way to find the savings that are actually available to you
Find the leak
Use the Bill Savings Finder or a guide to spot the bills that look high for what you get, plus fees you may not need to pay.
Compare and benchmark
Check your price against typical ranges and competing plans, so you know exactly what to ask for.
Make the call
Read from a word-for-word script to ask for a lower rate, a retention offer or a fee refund. Most bills take one or two calls.
Follow through
Confirm changes in writing, switch if your provider will not budge, and see whether you qualify for a bill help program.
Ready to lower your bills?
Tell us which bill bothers you and what you pay now. We will follow up with practical ways to cut it, from do-it-yourself steps to vetted partner offers.
Get my free bill reviewIndependent publisher. We may earn referral fees from some partners; see our disclosure.