The Phone Call That Saves You $50/Month
There's a whole department whose job is to keep you. Call and say you're thinking of canceling. You'll often get transferred to retention — where the actual deals live.
Here's something companies don't want you to know: many of your bills are negotiable. That price isn't fixed. It's a starting point.
Bills you can often negotiate:
- Internet/cable (always negotiable)
- Cell phone plans
- Car insurance
- Home/renters insurance
- Medical bills (almost always)
- Credit card interest rates
- Gym memberships
The script that works:
"Hi, I've been a customer for [X months/years]. I'm reviewing my budget and noticed that [competitor] is offering [lower price]. I'd like to stay with you—is there anything you can do to help me with my rate?"
What happens next:
- They might offer a discount immediately
- They might transfer you to "retention" (these people have power to give discounts)
- They might say no—but you're no worse off than before
Pro tips:
- Be polite but firm
- Know competitor prices before you call
- Be willing to say "I need to think about it"
- If they say no, ask "Is there anyone else I can speak with?"
For medical bills specifically:
- Always ask for an itemized bill first
- Ask about payment plans
- Ask if there's a discount for paying in full
- Ask about financial hardship programs
WHAT TO DO TODAY:
- Look at your internet or phone bill
- Google "[competitor] internet price" in your area
- Call your provider
- Use the script above
- Track what they offer—even $10/month is $120/year
