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See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

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Are you positive that you’re paying the best rate on your cable and internet?  The only way to be sure is to make sure each year to take the time and find out!

There are 4 bills that you should take the time to renegotiate every year.  This doesn’t have to take a ton of time, but will pay off in the end under most situations.

4 Bills to Renegotiate Yearly

Cell Phones
Insurance (all of them… car, house, life)

Tips to Help Cut Costs

1.  Call Around.  Call all of your local providers to ask their current rates and promotions.  Then begin calling back any that you can and sharing the prices you got from the other companies.  Many times they will match or exceed the other companies offer to win or keep your business.  This works with all the bills above.

 Stay Sweet & Positive.  As you call around with prices of competitors, make sure to be super sweet to your current provider.  Tell them that you have been a long standing customer and would love to stay with them, but just can’t afford it.  No sob stories here, just stay short and sweet that times are tough and things have to either be cut back or go completely.

2.  New Equipment.  If you are running on old equipment this is great time to research new technology and see if they will through that into the deal for you.  Make sure that you aren’t paying a monthly rental fee though for routers and other items.  Many times you can buy these items yourself and save a ton over the monthly cost to “rent”.

3.  Bundle Deals Only Cost You.  Many times the cable and phone companies try to emphasize how much you can save if you add on other services.  These are items you didn’t call about and possibly don’t even need.  Keep everyone on the same page and stay away from bundles unless you really are wanting all they are offering.

DO NOT get caught in the lie that you must have a phone line or cable channels to get internet.  You can have just internet from the phone company or cable company without adding on their other services.  About 45% of American homes no long have land lines (mine included).  We live in a house that doesn’t even have phone jacks in the walls!

4.  Get to Know Framily Stealing a term from Sprint’s marketing department here…  To save on your cell phone, it’s time to embrace your friends and family.  Getting a plan together saves a ton!  It’s $80 a month for the service, but to add on lines is only $10-$20 more depending on the company you’re with.  Now that almost all the companies have done away with contracts, this is the perfect time to band your “framily” together and save a ton of a group plan.

5.  Know What You Need.  For cable and internet service, they will always try to talk you into bigger plans.  Having the fastest internet speed on the block sounds great, but it costs more.  Find out what you need or even be brave and try the lower speeds first before paying for top of the line speed.  We have crazy slow internet at our house because it’s the only option out in the boonies, but it can still work with Netflix and other streaming devices.  Don’t believe everything they say “you have to have”.

6.  Ask for Deductions. To decrease your insurance costs, sometimes the key word is deductions.  Ask the insurance agent for anything that might lower your costs.  Getting fire extinguishers, alarms, adding your cars to the same plans… their is a long list.  There are some bills that should be renegotiated every year to try to get the best deal. Here are my 4 great options!_1

    • Millie Nichols

      A lot of utility companies offer “Equal Pay” programs. They are usually aimed at seniors on a fixed income but anyone, in most cases, can sign up. It looks at your utility cost over the last year and gives you a payment based on that. It usually changes every three months so that when the year ends they owe you nothing and you owe them nothing. It makes budgeting much easier because you know how much each utility will cost.

      • checkster2

        Another thing to look at for the electric would be something called Time of Use plan. We’ve been on it (we live in the south) and it really has saved us a LOT of money. Basically they give you a time frame (for winter it is 6 am to 8 am) and during that time your electric is billed at the highest amount any other time or on holidays or weekends it is billed at the much lower rate. Helped keep our lights on when it got super tight! :-)

    • Lissa

      Keep in mind that insurance rates are governed by the state. They cannot just make it cheaper. You either have to get a new policy or they cut out coverage.

    • Christal Gearring

      I work with AT&T/DirecTV and I agree that there’s tons you can do with your cable bill. Our company even offers promotions often that include free installation, free premium channels, no equipment rental fees and gift cards for new service. Let me know if you need help! Madison@c4sales.com

      • mommalana

        We just want the junk mail to stop! We have called and asked to be taken off the list many times and it does no good.

    • mommalana

      We use an insurance broker who deals with many companies and she can always find us the best rates. Before we started working with her we did not realize that the big insurance companies have smaller companies under them that do not have the advertising budget to cover so their rates are much lower but you are still insured by one of the big well known companies. We saved 30% on our homeowners insurance by switching to one of those companies.