Research & guides
All Guides
Every guide we have published, newest first: plain-English research, scripts and checklists to lower every bill.
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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 options today.
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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. See your rights.
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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 compares today.
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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 to save today.
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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 and speed needs.
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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 which fits your family.
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Read guide: Lifeline Program: Discounted Phone or Internet Service
Lifeline Program: Discounted Phone or Internet Service
The Lifeline program can cut your phone or internet bill by up to $9.25 a month. See who qualifies, how to apply, and what to do if you’re denied.
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Read guide: Cheapest Cell Phone Plans on Major Networks (2025 Guide)
Cheapest Cell Phone Plans on Major Networks (2025 Guide)
Find the cheapest cell phone plans that still run on major networks. Typical prices, how to pick one, and a step-by-step switch plan to see what you can save.
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Read guide: Car Insurance Discounts You Might Be Missing in 2025
Car Insurance Discounts You Might Be Missing in 2025
Find the car insurance discounts you might be missing, from bundling to low mileage to safe-driver deals, plus what to say to claim them. See your list.
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Read guide: LIHEAP: How to Get Help With Heating and Cooling Bills
LIHEAP: How to Get Help With Heating and Cooling Bills
LIHEAP can help pay heating and cooling bills. Learn who qualifies, how to apply, what to bring and what to do in a crisis. See the steps before you apply.
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Read guide: How to Negotiate Bills: Scripts, Timing and Tactics
How to Negotiate Bills: Scripts, Timing and Tactics
Learn how to negotiate bills with word-for-word scripts, the best timing and ranked quick wins for internet, phone, insurance and more. Start saving today.
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Read guide: Help Paying Bills: Every Program Worth Knowing
Help Paying Bills: Every Program Worth Knowing
Need help paying bills? Learn the fastest wins, a negotiation script and the assistance programs worth knowing, plus a 30-minute plan to start today.
Guides are written by our editor, Edward Garcia, and checked against provider terms and public program rules where possible. Prices and offers change often and vary by location; confirm current terms with the provider. See how we work and our disclosure.
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