Sample issue

Hi there,

This issue's bill: internet

Promotional prices usually end after 12 months, and the bill quietly goes up. Before you call:

1. Find what your provider charges new customers for your speed, and what one competitor offers at your address.
2. Check your bill for a modem or router rental fee.
3. Run a speed test in the evening. If you never get close to what you pay for, a lower tier may do.

Then call and say: "I've been a customer for three years and my bill just went up to $X. New customers are getting $Y, and [competitor] offers $Z at my address. What can you do to bring my bill down?" Then stop talking and wait.

The full script, including what to say if they say no: call scripts.

Quick win

Open your phone's app store subscriptions list. It takes 30 seconds, and most people find at least one charge they forgot.

Reader question

"Is autopay a good idea?" For fixed bills you trust, it avoids late fees and some providers give a discount. For variable bills, look before you pay; price increases slip through autopay easily. More in Make a bill calendar.

Keep cutting,
Stretching Money Today