Gather
- Your last three months of bank and card statements.
- Policy documents for car, home and renters insurance.
- Your phone, internet and utility bills.
Work through the list, biggest first
- Insurance: compare quotes before renewal.
- Internet and phone: check promo end dates and data use.
- Subscriptions: run the subscription audit.
- Credit card interest: ask for a lower rate.
- Bank fees: switch or ask for refunds.
- Utilities: check your rate plan and programs.
Track it
Add up what you save in the bill calculator. Seeing the yearly total keeps the habit going.
