7 Bills You Can Negotiate To Save Money

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Did you know you can lower monthly bills like your cell phone, internet, and cable bill? You aren’t locked in at a rate most of the time. 

In fact, a lot of purchases are negotiable. Unless you’re at a Target or other big-box store, you can most likely negotiate and save hundreds of dollars just by negotiating one bill. 

Today we’re going over the top bills you should lower and exactly how to negotiate to save money ASAP.

Before we get started, make sure to sign up for my free resource library and get tons of free printables to help change your financial life. 

Bills you can negotiate to save money


The average monthly cable bill is $217. This is much more than the introductory price cable companies offer you in the beginning. Over the years your cable bill slowly goes up without you even really noticing.

It’s not news that Netflix and other streaming services are changing the way people watch TV. This is great news for you because it gives you a lot of wiggle room to negotiate your cable bill. Cable providers don’t want to lose another customer. 

If you don’t have cable or looking into canceling it, check out these cable alternatives instead.


The average internet bill is $66 per month. This is one of the first bills I negotiated and it’s also one of the easiest to save money on.

Most internet companies start you off with a special introductory rate to get you to sign on with them. After 6 months or so, you get knocked into a higher rate because the introductory rate is over. 

My internet company (Spectrum) introductory rate was $45.99, and after 6 months turned into $65.99. I didn’t even know about the price increase (they are very sneaky about this). 

Related: How I Saved $290 On My Internet And Cell Phone Bill

Cell phone

The average cell phone bill is $114 per month and new smartphones are hitting the shelves every few months. And since cell phone providers allow interest-free financing on brand new phones, it makes it even more enticing to add a new cell phone to the monthly bill.

If your monthly bill is in the $100+ range, you may want to consider switching to Tello, a cell phone provider that uses the same cell phone towers as Sprint. I personally tested out Tello for 1 month and had great service everywhere (besides my gym, which I never get cell coverage in for some reason). My Tello cell phone plan costs $19 per month with unlimited minutes and unlimited texts. I got 4GB since I chose the $19 monthly package.

You can see my Tello review here. It’s worth looking into if you’re overpaying for cell phone service. 

P.S. Sign up below for the FREE ultimate financial planner that includes printables like: debt tracker, income tracker, annual budget summary, savings challenges, financial goals, and debt thermometers!

Medical bills

Medical bills are the worst. I had a massive emergency room bill while working full-time as a teacher’s aid, making only $800 a month. So you bet I was negotiating.

Here are a few things to do when you receive a medical bill.

  • Make sure your bill is correct. More often than you’d think, medical bills have errors. Look at the bill and check to see if you got charged for things you didn’t use.
  • Ask for discounts or relief plans. In my situation making only $800 a month (and I had health insurance!), I could not actually afford to pay my medical bill, so the E.R. waived it completely. All I had to do was send them proof of my income.
  • Contact the hospital billing office and see how they can work with you. They are usually nice people who genuinely want to help you out (and also want their money), so they’re going to find a way to make it work. 
  • And for future reference, check to see the price of a service before getting something done. Most insurance companies have a healthcare bluebook reference guide that gives you an approximate idea of how much something will cost.

Credit card fees and interest

The average person carries about $5,000 in credit card debt. With the average credit card interest rate at 15%, that can make it hard to pay off debt quickly.

Fortunately, credit card interest fees are negotiable. If you have a clean record of paying off bills on time and paying down your debt, credit card companies are more likely to work with you.

I even have a great article on paying off credit card debt here.

Also, here is a transcript word for word that will show you how to negotiate your credit card interest fees. 

Gym memberships

This one really surprised me and I’m shocked I haven’t thought of it sooner.

Yes, gym memberships are negotiable. Most gym associates are trained salesman and with the average gym membership in the $50 range or $600 a year, it’s worth it to negotiate. 

Here’s a really good article on negotiating gym memberships.


Insurance is a must for any responsible adult. Whether it’s auto, rental, house, disability, or health insurance, insurance is a smart idea that protects you in unpredictable circumstances. 

Although insurance keeps you protected, it can also get pretty expensive. And while you can’t actually negotiate insurance prices, you can make sure you’re getting all the discounts possibly by either doing your own research or contacting your insurance agent.

Most insurance companies will give you discounts for being a good driver, bundling insurance together, adding multiple people to one policy, getting good grades, and more. 

Related: 9 Tips To Save Hundreds On Car Insurance

Here are 4 tips to negotiate lower your bills today.

If you decide to negotiate bills yourself, here are a few key tips to remember.

  • Be nice but firm to the customer service representative. You don’t want to come off as a push over but you also don’t want to be disrespectful. Share with the company that you’ve been a loyal customer for a while who has always paid bills on time. 
  • Be specific in what you want. Do you want a discount? Or do you want the company to add in another service for you at the same price? The more specific, the better.
  • Do some research and see what other rates companies are offering. Write this down and use this information when you’re talking with the bill company. This may help negotiation efforts because companies don’t want to lose you. 
  • If you get a discount and lowered bill, confirm that the deal was made in the upcoming bill. Write down who you spoke to and who gave you the discount. Get a confirmation email of the discount (if possible). 

Negotiate your bills (I saved $290)

Did you know there’s a company out there that negotiates to lower your bills?

Billshark is a MUST for anyone who has a cell phone, cable, internet, or insurance bill and wants to lower their bill.

And trust me, it works because I’ve used it myself on 3 different bills and I’ve saved $290.

Here’s how Billshark works:

  1. Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
  2. Billshark negotiates all of the bills you send in.
  3. You get notified if Billshark was successful. If they are, they take 40% of the savings. Ex. Billshark saved me $290 over the course of 6 months, so I pay them $116. I can do this in a monthly payment plan or all at once.

It’s definitely worth the savings and it was such an easy process. 

You can start lowering your bills with Billshark here.

Final note

If you’ve never negotiated your bills before, you’re more than likely paying more than you need to for services.

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Have you lowered any bills with these tips above? Share in the comments.

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