Call One Company This Week and Ask for a Lower Bill

Pick one recurring bill — insurance, phone, internet, streaming — and call the provider to ask for a better rate. Mention a competitor's price if you know one, or simply ask what discounts exist for loyal customers. Companies would rather cut your bill a little than lose you entirely.

Most people never ask, so most people never get it. A single fifteen-minute phone call can save you more than an hour of extra work would earn.