Retired 5 Bills You Can Lower With One Simple Sentence

There's one sentence that can help lower five of your monthly bills, and most retirees have never said it out loud. The lower prices are often already sitting there. Companies just don't offer them unless you ask. When you retire, your income usually gets smaller and steadier. Your bills don't shrink with it. They creep up a little every year, and that's how a careful budget slowly turns into a tight one. This video shows you how to lower your bills with a few short phone calls, using simple questions anyone can ask. Here are the five bills we cover. 1. YOUR INTERNET BILL Internet companies often save their best prices for new customers. If you've been with the same company for years, you may be paying much more for the same service. We show you which team to ask for, and why they often have discounts the regular help line can't offer. 2. YOUR CAR INSURANCE Three quick questions can lower your price. Ask about a discount for a safe driving class, a lower price for driving fewer miles, and savings from putting your home and car insurance together. Many states require insurance companies to offer older drivers a discount for finishing an approved class. 3. YOUR MEDICAL BILLS Before you pay a big hospital or doctor bill, ask for a detailed bill that lists every charge, and check it for mistakes. Then ask about a discount for paying all at once, and whether there's a program to help people pay. Under federal rules, nonprofit hospitals must have a written plan to help patients who can't afford their bills. Depending on your income, it can lower your medical bills or even wipe them out. 4. YOUR PRESCRIPTIONS Ask your pharmacist two questions every time. Is there a cheaper version of this same medicine? And is the price lower if you pay without your insurance? Since 2018, federal law has stopped insurance plans from blocking pharmacists from telling you about a lower price. If you have Medicare drug coverage, there's also a yearly limit on what you pay yourself for covered drugs. 5. YOUR CREDIT CARD INTEREST Many credit cards now charge more than 20 percent a year. One phone call to the number on the back of your card can be enough to ask for a lower rate. A LendingTree survey found that most people who asked for a lower rate got one. On a 5,000 dollar balance, dropping from 24 percent to 18 percent saves about 300 dollars a year in credit card interest. Then we get to the reason so many people never make these calls, and the exact sentence that works on almost any bill. CHAPTERS 00:00 One sentence that lowers 5 bills 00:31 Why retirement bills keep creeping up 01:14 #1 Your internet bill 01:51 #2 Your car insurance 02:21 #3 Medical bills 03:05 #4 Prescriptions 03:44 #5 Credit card interest 04:15 What all five have in common 04:44 The exact sentence to say 05:08 Your 10-second action Prices, programs, and rules vary by company and by state, and they change over time. Always check the details with your own providers. This video is for education only and is not financial advice. Helping a parent or grandparent? Send this video to them, or sit down together and make the first call side by side. Your next step: scroll down and type the number of the bill you'll call first, from 1 to 5, plus the day you'll call it. Then subscribe to Juniper Court for simple, honest money help every week. [TAGS] lower your bills, personal finance, money psychology, retirement tips, retirees, how to lower bills, lower internet bill, negotiate internet bill, car insurance discounts for seniors, lower medical bills, hospital financial assistance, save on prescriptions, lower credit card interest rate, ask for lower apr, money saving tips for retirees, bills you can negotiate, saving money in retirement [CHAPTERS] 00:00 One sentence that lowers 5 bills 00:31 Why retirement bills keep creeping up 01:14 #1 Your internet bill 01:51 #2 Your car insurance 02:21 #3 Medical bills 03:05 #4 Prescriptions 03:44 #5 Credit card interest 04:15 What all five have in common 04:44 The exact sentence to say 05:08 Your 10-second action [PINNED COMMENT] Which of these 5 bills have you never once called to ask about? Type its number below, and tell us if this is the week you make that call. Reminder: this video is for education only, not financial advice.