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?
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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
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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.