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Bill Negotiation: 7 Bills You Can Negotiate To Save Money

Do you always pay the exact amount that is due on your bills? Well, did you know you could negotiate your bills?

Negotiating bills seems like an uncomfortable and awkward idea, but you can save a lot of money by negotiating your bills. You should not shy away from awkward situations if you wish to save money. To increase your savings, you must spend less and cut back on existing costs. Reducing your monthly bills is a great way to cut back on expenses.

Many people have ended up saving around $300 monthly by negotiating their bills. Maybe you can be one of them. You may think you got a good deal on a monthly plan, but if you find a competitor selling the same service at a cheaper rate, you should switch providers. Try to negotiate your bills today and save big.

Go through your expenses and highlight the areas that you spend the most. Then try to save at least a little amount every month in those areas. It could be something minor, but it will eventually add up if you do that every month. Even if you save $300 a month, you end up with $3600 a year, which is a lot of money.

Here are seven bills you can negotiate to save money (Tips and Tricks)

  1. TV, Streaming Services, and Internet


Most people use the internet, TV, and streaming services. You often get hooked on them by their very low introductory prices, and then eventually, the prices go up. However, you do not need to accept the higher prices. You can check if they have any deals available by contacting your service provider.

If they do not offer any new deals, you can threaten to switch providers. You may be transferred to their retention department, and they may provide some money-saving discounts. Do some research and have some special introductory offers from competitors to include in the conversation. Sometimes, you can end up getting a lot of discounts on your current plan with negotiations.

You can also reduce the number of channels you receive on your current cable plan and save some money. Return any cable boxes that you do not use for additional money. Also, you can decide only to have one cable plan for one room or the living room and save on multiple plans.

Small changes at your home and in your plan may lead to savings. Even if you save $100 a month, two years later, that will feel like a big save. You can also let go of cable services and switch to only streaming services.

Internet Service

Every neighborhood has more than one internet service provider. You can research the rates and plans offered by different internet service providers in your locality and then compare costs. You can contact your current internet service provider to match a lower price by a competitor. They will most likely agree to it. You can sometimes get better internet speed and lower prices by negotiating your cable bill. Even if you save $20 a month, it is a good deal, and eventually, you will save more.

You can check out the Amex offers section if you an American Express credit card. They usually provide different discount deals for Tv channels, Netflix, and ShowTime.

You can check with credit card companies and streaming services for any specials that they may be having. Some cable channels offer discounts if you purchase annual packages. You can obtain the same service for a lower price by paying in bulk.

You might also like: 5 Ways To Be Frugal Without Being Cheap

2.  Healthcare

Medical bills always add up, and even with health insurance. The medicines, treatments, doctor visits, and hospital stays can leave a dent in your bank account. Many Americans go bankrupt because of their crushing medical debt. Healthcare can be costly.

Healthcare is a business, and patients are like their customers. If you have a bill on the higher side, you can contact their billing department for negotiations. They often agree to provide some discounts.

Hospitals and Clinics often agree to reduce the bill to an amount that you may be able to pay instead of continuing to bill you for a more considerable amount and eventually writing it off as bad debt. If you genuinely cannot pay the higher amount, explain your financial condition, and discuss a lower amount that you can immediately pay. Always negotiate your bills when every the opportunity comes.

3. Gym

Gyms often offer different promotional membership rates to increase their members, especially around holidays. You should always check the latest promotions happening at your gym and the gyms around your place so you can get a discount. You can ask for a price match if you find a gym with a similar service for a lower price. Negotiating gym membership is one of the ways to save money.

Gyms can be very flexible when it comes to their pricing. They want you to continue to be their member. Gyms often offer discounts if you purchase annual memberships instead of opting for monthly payments. You can also gain discounts if you offer to pay all the money upfront. You are usually never required to pay the total price of a gym membership. If your gym is going under renovation, ask for a discount. In addition, if you do not go to the gym, cancel your membership and save your money.

You can get discounts at yoga studios if you pay in advance. Annual memberships are much cheaper than paying per class or monthly. You can sometimes end up saving 50% in fees.

Here’s an excellent article on negotiating your bills on gym memberships.

4. Rent

Your rent does not have to be something that cannot change. You can negotiate a lower rent with a new landlord or a current one.

You can negotiate a discount on your rent if you find places near your location rented for a lower price. If your property owner sees that, they may lower your rent.

Sometimes, paying rent in advance for the next few months may lead to a discount, or your landlord may reduce your rent if you sign a long lease. You can give up the space allotted for your packing to save some money.

Sometimes insurance companies offer discounts if you pay premiums quarterly or half-yearly instead of monthly.

You can also raise deductibles on auto insurance and homeowner policies. You will often end up paying the difference in deductibles by lower insurance costs in a few years. Moreso, you can save almost $50 every month if you do this.

5. Credit card interest and fees

The cardholder agreement that you signed up for with your credit card is quite flexible. You cannot argue about the amount you owe to the credit card company, but here are some things that you can negotiate with them.

  • Annual fees– Sometimes, you can get your annual fees waived off if you ask. This is not a one-time thing; some credit card issuing companies often waive the yearly fees even if they have waived them for you before.
  • Late fees– You can contact your card company if you missed your due date and were stuck with late fees. They often waive it. If you repeatedly miss your due date, they may not be so kind, but they are most likely to waive it if it is a one-time thing.
  • Interest Rates– Most clients, for some reason, do not ask for a lower interest rate. Your credit card company will most likely offer a lower rate if you request it.

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

6.  Cell phone plan

You, as a consumer, have a lot of power when it comes to your cell phone service. There are so many cheaper carriers available, and porting your number to a new service is relatively easy. If you want a better deal and your provider disagrees, switch your provider.

Begin by checking your data, text, and talk usage to understand what services you require. Then compare the cost of these services as offered by various providers. Contact your provider with this information and negotiate.

If you’re paying too much for cell phone bills, you may want to consider switching to Tello

Tello is a mobile phone service provider offering inexpensive and flexible cell phone plans.

7. The commission of a real estate agent

If you are looking to sell a real estate property, this tip is for you. You do not have to blatantly accept whatever commission standard your real estate agent has asked. It would help if you met many real estate agents before you choose one to sell your property. You can negotiate with them about their commission, and often, they will agree to take a smaller commission to be hired. If not, you should continue to look until you find a real estate agent willing to work on less commission.

You do not have to ask real estate agents to take a more significant pay cut; it could be as little as 1% of their commission. With the high price of real estate, even 1% will make a difference of thousands in savings for you. So always negotiate your bills with them.

Also, now, you must remember to never overpay for your bills again. Negotiating is not fun. Very rarely does anyone enjoy hassling for money, but we all like to save money. By negotiating your bills, you can save a lot of your money to use more necessary things.

You only have to be willing and patient to get a better and cheaper deal. What is the worst that could happen if you try to negotiate your bills? Your provider will say no. That is it. If you succeed at negotiating, you will save a lot of money with just one phone call.

Here are some negotiating tips that will help to lower your bills today.

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

  • Be friendly and don’t be disrespectful to the customer service representative. Inform the representative how you’ve been a long-term and loyal customer.
  • Inform them how you pay your bills on time.
  • Be specific on your request and stand firm.
  • Please do some research on their competitor rates to get the best price.
  • Always take a confirmation code or ensure they send you an email.
  • Take all the details of the representative you spoke with, mainly if a discount was given.  
  • Lastly, do you want another person to help you negotiate your bill?
  • Billshark helps to negotiate your cell phone, cable, internet, or insurance and lower their bill.

Here’s how Billshark works:

  1. Use their saving calculator to see how much you can save.
  2. Send copies of your bills to and upload them to Billshark.
  3. Billshark negotiates all the bills and cancels some subscriptions.
  4. Billsharks takes 40% of every successful negotiation and $9 on every canceled subscription.

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

 Start lowering your bills with Billshark here.


Negotiating your bills is something you should consider. Not negotiating your bills means that you are likely paying more.

If this type of bill negotiation isn’t for you, it may be worthwhile to use bill negotiation services to negotiate your bills.

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  1. Very informative article! I did not even think about asking for a lower rate on internet. I literally just signed up for new internet last week.

    1. Thank you Tyanne, I am glad the post was helpful

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