These free tools and simple tips are helping Americans save hundreds each month. There are easy and often free ways to reduce reoccurring payments--without sacrificing your lifestyle or switching providers. Whether it's your phone plan, internet, subscriptions, or everyday expenses, here's how to start cutting costs in 2025.

💡 1. Use a Free Bill Negotiation Service

Companies like Truebill (Rocket Money), Billshark, and Trim do the negotiating for you. They contact your providers (like cable, phone, or internet companies) and try to lower your monthly rate--and you don't pay unless they save you money.

Works for: Cable, internet, phone, subscriptions

Average savings: $180-$400/year

📱 2. Cancel Subscriptions You Forgot About

Subscription fatigue is real. Many of us forget we're even paying for half of what's on our credit card statement.

Use apps like Hiatus or Rocket Money to:

Identify recurring charges

Cancel unused or duplicate subscriptions

Track spending across all your accounts

📶 3. Switch to a Budget-Friendly Phone or Internet Plan

You don't always need to switch providers--many companies offer cheaper "loyalty" or secret discount tiers if you just ask.

T-Mobile and AT&T have senior or low-data plans under $30/month

Many ISPs have "hidden" plans for low-income households

Ask about seasonal or retention discounts

🔄 4. Refinance High-Interest Debt or Auto Loans

If you're paying more than 10% interest on a loan or credit card, refinancing or consolidating could lower your monthly payments significantly.

Look into personal loan marketplaces like LendingTree or Upstart

Auto lenders may lower your rate with no change in terms

Some credit unions offer 0% balance transfer promos

🧾 5. Use a Utility Comparison Tool

In deregulated states, you can often shop for cheaper electric, gas, or home energy plans. Sites like EnergyBot or ChooseEnergy make comparing rates easy.

Works in: TX, OH, PA, IL, UT, NY, LA, MA and more

Potential savings: $20-$50/month or more

Install free browser extensions like Honey or Capital One Shopping to find discounts and coupon codes automatically. Stack those with cash-back sites like Rakuten for even more savings on everyday purchases.