Here is what you missed last week!

I saved $1,380 negotiating this weekend

When’s the last time you negotiated the bills you have set to auto-pay?

(also, setting your bills to auto-pay is a great way to lower your bills)

It costs a lot of money to acquire a customer, so companies will often pay money to keep you.

Saturday, I called AT&T our service provider, because I saw our bill was now $80 per month, just for internet!

I told them I had gotten something in the mail from Spectrum offering the same service for $35/mo.

Boom - they dropped the price to $60/mo. I feel like that’s a win.

Then I called Progressive about our auto insurance.

Ahead of the call I had gone on to one of those insurance quote websites and got some quotes based on what my current policy is for both of our cars.

We were spending $289/mo - I was able to get it down t $204/mo. Then, it turned out we didn’t have paperless billing turned on, dropped another $10/mo.

In total - $95/mo or $1,380 over the next year. And it took me about an hour.

Other Bills to Negotiate

1. Cable or streaming services - I recently cancelled our Hulu account (I sign up during football season to watch games). When I went to cancel they offered me 60% off for 6 months. You might even have streaming services you forgot to cancel altogether.

2. Cell Phone Bill - “I saw a better deal with [insert competitor]. I really don’t want to switch, can you help me out?” It’s becoming a race to the bottom in this industry. Check out Mint Mobile, Visible, Helium, you can get phone service for $20/mo

3. Home or Renter’s Insurance - Call and ask about bundling options, potentially raise your deductible (look into what that would mean). Similar to how I shopped around with my auto insurance, do the same and bring the offer.

4. Debt Interest Rates - I’m not sure where you’re at with paying off debt, I’m not a fan of debt consolidation or swapping your debt over to a 0% interest card. I think that can just cause you to go deeper into debt. BUT! If you haven’t tried lowering your interest rate, you’ve been making payments on time for a while, there’s a good chance you could lower your interest rate. Your credit may have gone up since you last tried, and a 1% difference on $30k in debt would mean $300 in interest saved this year.

What I Want You To Do

1. Start with a Coffee & a Win

Head to your favorite coffee shop or make something cozy at home.
While you sip, cancel one subscription you don’t use or need anymore.

• Netflix? That fitness app you forgot about?

• Just one small win to start the momentum.

📋 2. Write Down 3 Bills You Want to Lower

Don’t overdo it. Just pick 3 from this list:

• Internet

• Car insurance

• Cell phone

• Streaming

• Renters or home insurance

• Credit card interest

• Medical bills

Pro tip: Circle the one that bugs you the most.

📞 3. Make One Friendly Phone Call

Call the company and say:

You’re not begging—you’re asking a business to keep your business.

💻 4. Compare One Bill Online

Take 5 minutes to run a quick quote for car insurance, renters insurance, or phone service.

Even if you don’t switch, you’ll gain leverage for future calls.

✨ 5. Celebrate the Win

Whether you saved $5 or $50/month, you just gave yourself a raise.

Take a walk. Text a friend. Write down the amount you saved this year from one hour of effort.

$40 per month cut = $480 per year. That’s real!

That’s it for this week.

If you’re reading till this point, thank you.

It means a lot that you trust me to be a small part of your financial journey.

If there is anything I can ever do, please don’t hesitate to reach out.