Most people pay their bills without a second thought, assuming the price is set in stone. But what if you could cut down some of your recurring costs just by asking? It may sound intimidating, but negotiating your bills can save you big money on things you’re already paying for every month. Here’s are 12 expenses you’re likely paying too much for—and how you can negotiate them down.
Internet Service
Your internet bill is one of the easiest expenses to negotiate. Providers are constantly offering promotions to attract new customers, so why not ask for one? Call your provider, mention a competitor’s lower rate, and ask if they’ll match it. If they don’t, many will offer a loyalty discount to keep you around. Sometimes just threatening to cancel gets you a better rate.
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Cable or Streaming Services
Cable companies don’t want to lose customers, and neither do streaming services. Call up your provider and inform them that you’re thinking of canceling—you’ll almost always be transferred to a retention department that has the power to lower your bill.
They may offer discounts, bundle deals, or even free months of service. The same applies to streaming platforms. Many companies will allow you to pause or negotiate for a lower-tier plan.
Cell Phone Plans
Wireless providers are notorious for packing their plans with hidden costs. Compare rates with competitors, then contact your provider and ask them to match or beat those prices. If you’ve been a long-term customer, you have even more leverage. You can also negotiate to remove unnecessary add-ons or switch to a more affordable plan they “forgot” to tell you about.
Gym Memberships
Gyms depend on memberships, so they’ll often negotiate to keep you. If your contract is ending, use that as an opportunity to negotiate a lower monthly rate or better perks, like free classes. You can also ask about promotions—they often run discounts that they don’t advertise. And don’t be afraid to shop around and let them know you’re considering other gyms.
Rent
It might surprise you, but rent is often negotiable—especially if you’re renewing your lease. Research the rental market in your area and present similar properties going for less. You can also negotiate for extras like free parking, waived pet fees, or reduced security deposits. Many landlords would rather make a small concession than lose a reliable tenant entirely.
Credit Card Interest Rates
Feel like you’re stuck with a high credit card interest rate? You’re not. If you’ve been making payments on time, call your credit card company and ask for a lower rate. Mention better offers from competitors or say you’re thinking about a balance transfer—many companies will work with you to keep your business. You can also request they remove late fees or cut annual fees to save even more.
Medical Bills
Medical bills can pile up fast, but they’re usually negotiable. If you get a large bill, contact the billing department to work something out. Many providers give discounts for cash payments or upfront payments. You can also ask about payment plans or financial assistance programs—hospitals often have them, even if they don’t advertise.
Auto Insurance
Your car insurance rate isn’t set in stone. Start by shopping around, but don’t forget to call your current provider. Let them know about competing quotes to see if they’ll lower your rate or add extra perks for free. You can also ask about discounts for low mileage, bundling policies, or maintaining a good driving record.
Bank Fees
Banks seem to charge fees for everything, but you don’t always have to pay them. Monthly fees, overdraft charges, and ATM fees can often be waived if you ask. Call your bank, explain your situation, and request a refund. Most banks are surprisingly willing to help, especially if you’ve been a loyal customer.
Utilities
Utility bills, like electric, gas, and water, aren’t always set in stone. Many providers offer discounts for autopay or paperless billing. Some also have plans where you pay less by using energy during off-peak hours. Call your utility company and ask about money-saving programs—they often have options they don’t openly advertise.
Home Security Services
If you’re paying for home security, you may be able to negotiate a better deal. Security companies value long-term customers and want to keep them. Call your provider, mention cheaper competitors, and ask for a lower rate. Many companies will offer discounts, free upgrades, or reduced fees to keep you around.
Subscription Services
Subscription services—everything from meal kits to cloud storage—are prime targets for negotiation. Many companies offer loyalty discounts or free months of service to keep you onboard. If you don’t see any deals advertised, call and ask. Most subscription-based services have customer retention policies that allow for discounts or better pricing tiers.
Why Negotiating Matters
Taking control of your finances often starts with negotiating. The worst that can happen is they say no, so there’s no risk in trying. Pick one or two things from this list and see what happens. You might be surprised by how many companies are open to lowering their prices. Even small savings add up and put more money back in your pocket.
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