Four Ways to Help Keep Your Bills Low

What’s going on everybody? I hope things are going well. A lot of people who have paid off their debt has done so in a lot of ways. Making extra money is something that a lot of us has bee One of those ways is by keeping their bills as low as possible. I am in that crowd. I try to make sure I don’t pay too much for my phone, the internet, cable, etc. Below are four ways that can help to keep your bills low.

Check Plans/Packages

At least, two or three times a year you should check your phone plans and cable packages. Companies come out with new plans or packages a couple times per year. They won’t always let their customers know. You may continue to pay $20 or $30 extra even though the price for your plan may have changed. I actually switched my phone service from monthly to pre-pay last year and saved $60. Nothing is really different having pre-paid except I don’t have insurance.


Some people bundle their services to save my money. In my area, the bundle option wouldn’t have saved me any money. Depending on what carriers are in your city you can save a lot of money bundling your cable, internet and phone service. Take some time and research your options. You may be surprised at what you find. It’s probably easier to have your bills bundled into one account.

Watch out for Miscellaneous Charges

The third thing to is to watch out for miscellaneous charges. Sometimes companies charge you too much money. In most cases, they probably won’t contact you. Make sure you check your statements each month. If you are working on paying off debt, you don’t want to be giving them too much money. Credit card statements and phone bills are ones that you should check from time to time for miscellaneous charges.

Ask Companies to Waive Late Fees

Sometimes we forget to pay some bills on time. It happens to all of us. We are humans. Instead of going crazy and cursing, you should contact the bill collector as soon as possible. Tell them your situation and ask if the late fee can be waived. I remember a couple of years ago I had a late fee on one of my credit cards. Instead of bitching about it, I called the credit card company and asked them could they waive the fee. To my surprise, they did it. I was happy because that fee was $35. That amount adds up if I was late every month.

In summary, the four ways to keep your bills low are to check your plans a couple of times per year, bundle your services, watch out for miscellaneous charges and to ask companies to waive late fees. If you aren’t doing these things, you should. If you are paying down your debt, keeping the bills down is one of the most important things that needs to happen.

What are some other ways that you have kept your bills low?


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  1. Great tips! I took Dave ramsey s financial class. “Live like no one else so later you can live like no one else.” So helpful! 😉
    Crystal Ross recently posted…Tips for staying cool in the Arizona HeatMy Profile

  2. We change our Dtv package on a regular basis by calling regularly to check on new deals. If the current package is about up and you hmm and haw they will always cut you a better deal.
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  3. I would add how to keep your grocery bills low. Going into a grocery store without a plan is a good way to ensure that you’ll forget crucial ingredients and buy things you don’t need, which costs you money on the back end. Also never go to the grocery store hungry.
    Arleen recently posted…Intentional Mistakes and Why You Should Make ThemMy Profile

    • I agree. I’m supposed to go to the grocery store in a few minutes actually, but I’m hungry. Time to postpone until tomorrow.

  4. Keeping tabs on your bills and making sure you don’t get charged miscellaneous expenses is an important one. I caught a few expenses like that and got them cleared up quickly.
    DC @ Young Adult Money recently posted…Why a Balanced Life is OverratedMy Profile

  5. All very good tips! I’m rarely late on a bill but I never even thought to ask them to waive a late charge. Now I will, thanks!
    Krystle Cook recently posted…Firecracker Pinwheel Cookies Recipe + Baker’s Mat Silicone Baking Mat ReviewMy Profile

  6. Great advice for keeping your budget in check. I would add that its a good idea to revisit your contracts at least annually. Sometimes what started as a great deal has hidden charges or extra fees for certain activities so keep checking even after you land a great deal.
    Debra Yearwood recently posted…Do You Plan For Serendipity?My Profile

  7. Shavonda Miles

    Dave Ramsey is a MUST! Taking Financial Peace University has truly helped me with money management.

  8. I always ask for fees to be removed and over the years I have never been refused. Seems like if you have the gumption to call, they will remove it. If not, you get stuck with it.
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  9. Hey Jason its a tough sell when people are excited about a new product or service but reading contracts carefully before acceptance can avoid a lot of wasted money or unpleasant surprises
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  10. Good advice especially for someone who is getting out on their own.
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  11. I agree – keep those bills down. My approach is “I have worked hard for my money, so why should I give more of it away than need be, no matter what for”. Another area to check and compare annually is Insurance.
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  12. I think these are very useful tips, especially the one to check for new plans a couple of times a year. Although some companies give preference to customers with a long history, others tend to forget to save them money once they are signed up.
    Karoly G Molina recently posted…Writing 101, Day 12: We accept the love we think we deserve.My Profile

  13. Jason – You would get on well with my Accountant husband!! He’s always looking for ways to keep bills low. For shopping – he uses a website called my supermarket which shows the best deals and buys them in bulk when the deals are good!! Always finds us the best deals for house insurance, car insurance, travel insurance etc… Also manages to find the best holiday deals. He’s always bartering with the workmen, gardners, cleaners etc. to get the best price for a job. The kids and I sometimes cringe when he is trying to knock down the rates!!
    Mina Joshi recently posted…Fusilli Pasta made with Indian SpicesMy Profile

  14. One of the ways I use to keep my bills low is to use a Pay-as-you-go phone that does not have internet access. I use my laptop for that!

    By the way, I found you via BHB on LI, and I have to say that I enjoyed this post, Jason. Nice to meet you. 🙂
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  15. Switching to newer phone and internet plans is a good way to check bills. Little steps can bring a considerable amount of profit in the long run.
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