Lower your monthly bills

Free, honest tips and side-by-side comparisons for insurance, phone, internet, electricity and subscriptions. Compare to see if you could pay less.

Affiliate disclosure: Some links on this page are affiliate links. Nationwide Bill Relief may be paid if you click, request a quote, or sign up, at no extra cost to you. This doesn't change our tips. Savings aren't guaranteed and depend on your situation, location and eligibility. See our disclosure.

Car & home insurance

Compare to see if you could pay less.

Free saving tips

  • Shop your policy around every year or at renewal, since rates change.
  • Ask about bundling home and auto, and about discounts for safe driving, good students, or security devices.
  • Consider a higher deductible if you have savings to cover it.
  • Check your coverage limits so you compare like with like.

What to compare

Same coverage limits and deductibles, discounts, customer service ratings.

In Texas or Oklahoma? Compare local quotes at InsureTexoma.com.

Compare insurance quotes

Cell phone

Compare to see if you could pay less.

Free saving tips

  • Check how much data you actually use in your phone settings, and pick a plan that fits.
  • Prepaid and online carriers run on the same major networks, often for less.
  • Keep your phone (bring your own device) instead of financing a new one.
  • Ask about autopay and multi-line discounts.

What to compare

Network coverage at your address, data limits, price after promos, taxes and fees.

Compare US Mobile Compare Visible Compare Mint Mobile

Home internet

Compare to see if you could pay less.

Free saving tips

  • Run a speed test, since you may be paying for more speed than you use.
  • Return rented equipment and use your own modem/router where allowed.
  • Call retention when a promo ends and ask what offers exist.
  • Check whether you qualify for low-income internet programs from your provider.

What to compare

Providers at your address, price after the promo period, data caps, contract and equipment fees.

Compare internet providers

Electricity (Texas choice)

Compare to see if you could pay less.

Free saving tips

  • In most of Texas you can choose your electricity provider. Compare plans before your contract ends.
  • Read the Electricity Facts Label (EFL) and check the price at your usage level, not just the advertised rate.
  • Watch for minimum-usage fees and early termination fees.
  • Official plan comparison: PowerToChoose.org (Texas PUC).

What to compare

Price per kWh at your usage, contract length, fees, renewable content.

Compare Texas plans Compare more plans

Subscriptions & bill negotiation

Compare to see if you could pay less.

Free saving tips

  • List every recurring charge on your bank and card statements.
  • Cancel anything you haven't used in a month, or rotate streaming services.
  • Call providers and ask for a lower rate or a loyalty discount.
  • Negotiation services often charge a share of what they save you, so read their fees first.

What to compare

Fees, whether there's a free tier, and what access to your accounts the app needs.

Try Rocket Money Try BillCutterz

Loans, refinancing & savings

Compare to see if you could pay less.

Free saving tips

  • If your credit has improved, compare refinance offers on student or personal loans.
  • Checking rates is usually a soft credit pull, but confirm before applying.
  • Keep emergency savings in an FDIC-insured high-yield account.
  • Federal student loans lose federal protections if refinanced privately.

What to compare

APR, fees, term length, prepayment penalties, FDIC insurance for savings.

Compare refinance rates Compare savings accounts

Debt & bills you're behind on

Compare to see if you could pay less.

Free saving tips

  • Talk to a nonprofit credit counselor first (often low or no cost).
  • See free help for utility, rent and medical bills.

What to compare

Fees, credit impact, and whether the program is right for your situation.

See debt relief options Free bill help