This post may contain affiliate links. Please read our disclosure for more info.

Last Updated on

lower my bills, how to use the best bill negotiators

Don’t you hate it when your cell or cable TV provider will offer complete strangers a better price than you, even though you have been loyal to the company for years? And, when you call them up to complain, what’s the response: “I’m sorry, there is nothing I can do.” 

No matter how much logic you infuse into the conversation, they still don’t want to hear it. You get completely fed up, you’ve had enough of the disrespect and then you tell them you want to cancel the service. What happens next? All of a sudden you are best friends and they have an offer to keep you.

You shouldn’t have had to waste 87 minutes with customer service getting transferred from one person to another to lower a bill. There’s a better way to lower your bills, and it won’t take an hour-and-a-half to show you how to save hundreds (if not thousands) of dollars a year. Are you in?

How to Lower My Bills

I don’t care how sharp you are when it comes to watching what you spend each month, I am pretty certain you are spending more than you need to on your bills.

Don’t take my word for it, but you should listen to the people at BILLSHARK, a bill negotiating service. They estimate we overpay on things like cable/satellite TV, cell phones, and internet by $50 billion a year (and it only gets higher when they add insurance and medical payments). 

Let’s look at ways to eliminate the overpaying all of us do monthly.

Quick Tip: If you don’t feel like combing through your expenses yourself, you can sign up for a free service that will do ALL the hard work for you. Our favorite is the Trim App. This app does the heavy lifting for you:

  • Monitoring your expenses
  • Negotiating lower bills for: Wifi, Cable, and phone bills
  • Cancelling unused subscriptions

Download the free Trim App here

Want more info on Trim? Check out our full Trim review down below.

How can I cut my expenses drastically?

You can drastically cut your expenses by doing this one thing: Eliminating every unnecessary expense.

  • Do you really need cable TV when you can subscribe to Netflix and Hulu? 
  • Why pay for internet speeds up to 1,000 Mbps when you only need 100 Mbps? 
  • Quit going out to eat; stay home and prepare your own meals for much less
  • Get rid of your high, unlimited cell plans and find a more affordable one
  • Get rid of unused subscription services. Do you really need subscriptions to both Pandora and Spotify? And when’s the last time you listened to an audiobook on your Audible service? 

But, really, why would you want to cut expenses drastically? At Budgeting Couple, we want you to “enjoy your money.” The steps above will help you realistically save $300 a month or more, which will reduce your bills by $3,600 a year. If you are in dire circumstances, such drastic measures might be needed.

Would you be interested in learning how to get similar results without such draconian actions? Read on.

How Can I Lower My Bills Fast?

If you want to lower your bills fast, the simple solution is to let someone else deal with it for you. We’ll show you how to tap into technology to reduce your bills, but here are some old school methods to lower your bills

  • If you have a mortgage, look to refinance it.
  • If you rent, can you take on a roommate to split the rent and utilities?
  • If you rent and can fix things, see if your landlord will let you trade some labor fixing or sprucing up the place for a reduction in rent
  • If your family has two cars, consider whether you need both; if not, sell one
  • If you have a car, can you drive it less and walk, ride a bike, or carpool more
  • If you owe a lot on your vehicle, consider selling it and buying something economical
  • Quit eating out at restaurants and grabbing fast food for breakfast and lunch
  • Leave the late afternoon lattes alone
  • Lower your grocery bills
  • Lower your electricity bills

Some of these suggestions, while effective, might be too much for you. That’s OK, because you still have options.

What Bills Can I Cut to Save Money?

Other than water, sewer, trash collection and other municipal services, you stand a good chance of being able to cut most of your bills. Life is always about balance and decisions. What are you willing to give up and cut out to keep more cash in your wallet, your online checking account or savings account?

How can I cut household bills?

Do you know how many bills you pay each month? Do you know how much each one is and when it is due? When you begin looking at ways to cut your household bills, you need to make a list of who is billing you, the due dates, and the amounts. Do you have a budget?

If so, how much do you allocate for groceries, entertainment, and restaurants? Let’s start trimming.

How can I cut my grocery bill?

One couple after getting married, didn’t have much to spend on groceries, but they were able to cut their grocery spending in half by doing these things:

  • Plan their meals: They knew what they were going to prepare and created a shopping list
  • Look for deals: Not just coupons, but look for meat that has been marked down or other items that are close to the sell by date
  • Make a grocery list: Grocery stores are designed a certain way to get you to spend money and make impulse buys; stick with a list and get what you need
  • Eat leftovers: OK, I am adding this one. Some people refuse to eat leftovers. They are good for breakfast, and they are good for lunch the next day
  • Use the Ibotta and Checkout51 Apps to get cash back every time you buy groceries


The Ibotta app (iOS and Android) is the leader in “cash-back on groceries.” The average Ibotta shopper earns $150 in cash back rewards a year for buying items they would normally purchase.

Is Ibotta legit : Ibotta App Review

Free money will help lower those grocery bills. This is the digital way of “clipping” coupons. Pick out what you want, go to the store, scan the app at checkout, and watch the cash back rewards grow.

Sign up for Ibotta through the Budgeting Couple and get a $20 bonus now.

Ibotta welcome bonus, Ibotta $10 welcome bonus, Ibotta referral code, ibotta hidden bonuses, ibotta 10 welcome bonus, ibotta $10 referral code

Checkout 51

Maximize your grocery savings by using Checkout 51. Where Ibotta works with stores, Checkout 51 works with brands, so it doesn’t matter where you shop.

Buy eligible items, snap a pic of the receipt with the app (iOS or Android), and start earning cash back. When you reach $20 in rewards, you can have the money transferred to PayPal. Except where prohibited, you can use Ibotta and Checkout 51 to maximize your cash back rewards.

Get more money back faster by signing up for Checkout 51.

How can I cut my electric bill? (Use Arcadia Power to change suppliers, if you can.)

Have you ever considered shopping around to find the best electricity provider? Almost sounds silly, doesn’t it? If available in your state, Arcadia Power will monitor the costs of power to find you the best rates.

When they find a lower rate, they will shoot you an email to let you know it saved you money. How much does this Smart Rate price monitoring service cost? It’s free when you sign up.

Arcadia Power offers a number of services and most are free. No matter what services you choose, you will be helping the environment. Arcadia Power looks to put more renewable energy on the grid.

When you sign up for Arcadia, you will do your part to promote sustainable wind energy. While it can be expensive for homeowners to install clean energy solutions like solar panels, Arcadia provides the opportunity to support renewable energy while lowering your energy bill.

Take a second to see if you can put more wind energy on the grid and lower your electric bill.

Arcadia Power Saving Money and Saving Energy

Best Way to Cut Expenses

If you’ve been with us for any length of time on Budgeting Couple, you know the deal: We want you to enjoy life, but you have to spend less than you earn. Whenever you can cut just $1 from your expenses to put in an online savings account (or invest), you improve your financial position. Overall, the best way to cut expenses is to quit paying for products you don’t need, and stop spending on subscriptions and services you don’t use. 

If you look over your list of what you are paying for monthly services or subscriptions each month and decide there really is nothing you want to cancel, then there is still a way to cut those expenses by reducing them. Let me show you how.

Cash back apps

When trying to reduce your expenses, keep in mind it does not always have to involve cutting. Seems counterintuitive, but with cash back apps, it is absolutely true. Every single business on earth has what’s called customer acquisition costs. One way or another they pay, whether it is in advertising, marketing, a building, a billboard, a website, or incentives. With cash back apps, companies pay these services to deliver them customers, and part of the fee these services charge is returned to people like you and me. 

So, when you use apps like Ibotta that helps you find deals at the grocery store and rewards you with cash back, you are earning free money. Depending upon the app, you can get anywhere from 1% to 40% cash back. So, if you were to spend $100, then you would get anywhere from $1 to $40 back. 

To make this work, keep buying what you normally would. Don’t use the extra cash being paid back to you as a reason to spend it elsewhere.

To help you see how this whole strategy works, consider this:

Take control of your finances so you can save and bank extra cash. Start today so you can start getting ahead right now.

Bill negotiation services

Have you ever done laundry, settled down on the couch, or sat in the car and discovered a $5, $10 or $20 bill? Didn’t it make you smile because you found free money? If so, then you are going to love utilizing bill negotiation services.

A vast majority of people who seek their help end up with more money in their pockets, and you won’t pay them a cent unless they save you money on your bills.

Check out these bill negotiation services to make saving money easier:

Charlie Review

How would you like to have a pet penguin? Before you say “no,” I am talking about Charlie, “your money-saving prodigy penguin.”

Charlie users save an average of $80 a week. Where I live, that comes out to $4,160 a year. That is enough to pay off half of the economical used car I recently purchased. 

Charlie Budgeting saving money