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HeftySavings

The bill-cutting handbook

Your bills are negotiable.

Step-by-step plans and word-for-word phone scripts to cut insurance, phone, internet, utilities, interest and more. No sign-up, no sales pitch.

Add up my bills Get a phone script

Start here

Pick a bill to cut

All bills →

Insurance

Car insurance

Quickest win: Compare quotes at every renewal

Home and phone

Cell phone plan

Quickest win: Check how much data you actually use

Home and phone

Home internet

Quickest win: Call when your promo rate ends

Utilities

Electricity

Quickest win: Get a free or low-cost energy audit

Food

Groceries

Quickest win: Plan meals and shop with a list

Health

Medical bills

Quickest win: Apply for financial assistance

Money

Bank fees

Quickest win: Turn off overdraft coverage

Debt

Car loan

Quickest win: Get preapproved before buying