Explore ways to lower monthly bills

• ✔ Review phone, internet and other bills
• ✔ Some services work on a share-of-savings basis — read terms first
• ✔ Free to learn more

Why use SmartSave Hub

• Independent, free-to-use information
• No obligation — you decide whether to proceed
• Secure connection (HTTPS)
• Clear disclosure of how we are paid

Where the savings usually are

Most households can lower at least one recurring bill. The biggest opportunities are usually phone, internet and TV, insurance, and some utilities where competitive providers are allowed. Savings vary and aren't guaranteed.

Doing it yourself

• Gather your latest bills and note what you pay and for what.
• Research current offers from competitors for the same service.
• Call your provider, ask for the retention or loyalty department, and ask what promotions are available.
• Ask to remove fees you don't need (equipment rental, paper billing, unused add-ons).
• Check whether bundling or unbundling saves money.
• Set a calendar reminder for when promotions end.

For phone service, compare prepaid and smaller carriers that use major networks — they are often cheaper for similar coverage. For insurance, compare quotes annually and ask about discounts and deductible options.

Using a bill negotiation service

Some companies negotiate bills for you. Common fee models include a percentage of the savings they achieve, a flat fee, or a subscription. Before signing up:

• Read exactly how fees are calculated and when they are charged — some charge on a full year of projected savings up front.
• Understand what happens if your provider later changes your rate.
• Check what account information they need and how it's protected.
• Confirm you can cancel and what fees apply.

Bills that can't usually be negotiated

Regulated utilities like water and many electric and gas services generally have set rates. You may still save through budget billing, energy assistance programs, efficiency rebates, or — in states with energy choice — comparing suppliers carefully, including any variable-rate terms.

Avoiding common pitfalls

• Don't switch to a plan with a long contract just for a short promotion.
• Watch for new fees replacing old ones.
• Keep notes of every call: date, name and what was agreed.
• Check the next bill to confirm the change was applied.

How SmartSave Hub works

SmartSave Hub is an independent information and referral website. We write general guides to help you understand your options, and we link to or connect you with third-party companies that provide the actual products or services. We do not perform services, make loans, sell insurance or set prices.

We may be paid by partners when you click a link, submit a request or place a call through this site. That compensation can affect which partners appear, but it does not change the general guidance on this page. We do not list every company or offer available, so we encourage you to compare options independently, read each provider's terms and ask questions before you commit to anything.

Questions about this site? See our About page or Contact us.

Frequently asked questions