Feeling like you're in over your head with all of the bills and subscription fees?
Whether we're talking streaming services, premium social media accounts, your phone bill, cable bill, internet bill, or anything else, this post is for you.
Here's the thing -- these bills aren’t always set in stone. With a bit of strategic negotiation on your end, it’s often possible to cut your monthly bills and expenses. Negotiating your bills (whether in-person, over the phone, or using specialized apps) can lead to substantial savings.
Below, I’ll share some helpful tips and tricks you can use to try to cut your bills down and put more money back in your pocket.
The average Canadian household spends $4,223 per year on recreational services and activities, according to a 2021 study by .
For many, a significant portion of this includes their cable bill, streaming services, and other entertainment-related subscriptions.
Start by reviewing your current bills to identify which could be negotiable. These include, but aren’t necessarily limited, to:
Typically, utilities like power, water, and gas are not negotiable, as rates are subject to government regulations by organizations like the Ontario Energy Board or the Alberta Utilities Commission.
Gather all relevant information, including your usage data, current rates, and competitor offers (this is an important one). All of this data will provide a solid foundation for your negotiation.
Whether you’re looking to lower your rate, get a better service package, or add additional perks, knowing your limits and having a plan in place will give you more confidence during the negotiation process.
Negotiating bills over the phone can be highly effective if approached with the right strategy. Start the conversation on a positive note by being polite and professional. Courtesy and respect can go a long way in getting the representative on your side.
Clearly state your case by explaining why you’re seeking a lower rate, using specific details about your current situation, such as recent financial hardships or uncertainty about needing the product.
When it comes to cutting down on your telecom bills, such as for your internet, TV, and phone, there are several strategies you can try. See if bundling your services together can reduce your overall costs. Companies often offer discounts when you combine multiple services, so it’s worth asking about these deals.
Mentioning lower rates offered by competitors can be a powerful bargaining chip to persuade your current provider to match or beat those rates.
You can also try to ask for loyalty rewards or promotions if you’ve been a long-term customer. Highlighting your loyalty can unlock special rates or perks that aren’t advertised.
Often, the first representative you speak to may not have the authority to give you the best deal. In this case, thank the representative for their help and then ask to speak to a supervisor or the retention department, as they can have more flexibility to work on your bills.
If you encounter resistance, remain calm and reiterate your key points. The key to successful negotiation lies in controlling your emotions. Persistence and a positive attitude can often turn a “no†into a “yes.â€
Once you cut down your monthly subscriptions and bills, it’s time to start finding more ways to save.
One of the most practical tips I share with people is to use grocery store budgeting apps that let you search for coupons and take advantage of Ҡoffered by grocery stores to prevent food waste.
Christopher Liew is a CFA Charterholder and former financial advisor. He writes personal finance tips for thousands of daily Canadian readers on .
Do you have a question, tip or story idea about personal finance? Please email us at dotcom@bellmedia.ca.
U.S. forecasters are warning of destructive waves, devastating winds and flash floods through the week as Hurricane Milton makes its way from the Yucatan Peninsula toward Florida.
Kamala Harris called Donald Trump 'incredibly irresponsible' for spreading falsehoods about the federal response to Hurricane Helene's destruction, offering especially sharp words as a new storm bears down on Florida with just weeks until Election Day.
A British-Canadian researcher has won the Nobel Prize in physics for work developing the foundations of machine learning and artificial intelligence. The University of Toronto's Geoffrey Hinton was awarded the prize Tuesday morning, along with Princeton University researcher John Hopfield.
When it comes to raising a child, the majority of fathers say they share tasks equally, but fewer mothers tend to say the same thing, according to a Statistics Canada survey.
As online shoppers hunt for bargains offered by Amazon during its annual fall sale this week, cybersecurity researchers are warning Canadians to beware of an influx of scammers posing as the tech giant.
Despite Hurricane Milton evolving into a Category 5 storm, Walt Disney World Resort remains open to the public and will operate as normal. However, the park announced Monday a few closures in an abundance of caution.
For years, Kathy Bates has believed she missed thanking someone pivotal during her acceptance speech after she won the Oscar for best actress in 1991 for her performance in 'Misery.'
Florida's Gulf Coast braced Tuesday for the impact of Hurricane Milton's winds and expected massive storm surge, which could bring destruction to areas already reeling from Helene's devastation 12 days ago and still recovering from Ian's wrath two years ago.
AI scribe technology holds the promise of removing some of that burden. However, uptake in Canada has been low due to privacy and cost concerns.
Videos of a meteor streaking across the skies of southern Ontario have surfaced and small bits of the outer space rock may have made it to land, one astronomy professor says.
The day after a minivan was set ablaze outside Vancouver City Hall, a 78-year-old man has been criminally charged.
Lawyers representing the Ontario man accused of selling hundreds of suicide kits with deadly effect around the globe have filed to intervene in a case in Canada’s highest court, arguing there is no way he can be charged with murder under Canadian law.
A disgraced Winnipeg high school football coach convicted of sexual assault and luring will spend 20 years behind bars.
Toronto Coun. Michael Thompson 'forced himself on' a woman who awoke to find him standing over her after she fell asleep drunk, the Crown alleged Monday, as the five-day sexual assault trial of the six-term politician began in Bracebridge, Ont.
Days after a political sign was erected outside Lululemon founder Chip Wilson's Vancouver mansion, the waterfront property has been vandalized with graffiti.
Kamala Harris called Donald Trump 'incredibly irresponsible' for spreading falsehoods about the federal response to Hurricane Helene's destruction, offering especially sharp words as a new storm bears down on Florida with just weeks until Election Day.
A canyoneer died in Zion National Park after falling between 150 and 200 feet near the the Upper Emerald Pool in southwest Utah, according to the National Park Service.
The mayor of a state capital in southern Mexico has been killed just one week after he took office, officials said Sunday.
Republican presidential candidate Donald Trump said on Monday there are 'a lot of bad genes' in the United States, while discussing murders allegedly committed by immigrants living illegally in the United States.
Hezbollah's acting leader said Tuesday that even more Israelis will be displaced as the militant group extends its rocket fire deeper into Israel, in a defiant televised statement marking the anniversary of fighting that escalated into war last month.
Florida's Gulf Coast braced Tuesday for the impact of Hurricane Milton's winds and expected massive storm surge, which could bring destruction to areas already reeling from Helene's devastation 12 days ago and still recovering from Ian's wrath two years ago.
Conservative Leader Pierre Poilievre is supporting Israel's right to defend itself against Iran following last week's ballistic missile attack, saying that right includes 'proactively striking Iranian nuclear sites and oil installations to defund the terrorist regime.'
A newly released document shows federal cabinet ministers were warned in May 2022 that hostile states were targeting Canada's strategic interests, the integrity of Canadian institutions and democratic processes, and the ability of the public to exercise Charter-protected rights and freedoms.
Global Affairs Canada says it's chartering more flights from Lebanon this week to help Canadians leave the country as conflict escalates between Israel and Hezbollah.
AI scribe technology holds the promise of removing some of that burden. However, uptake in Canada has been low due to privacy and cost concerns.
Georgia's highest court reinstated a ban on nearly all abortions after about six weeks of pregnancy on Monday while it considers the U.S. state's appeal of last week's ruling by a lower court judge blocking the law.
Sammy Basso, who was the longest living survivor of the rare genetic disease progeria, has died at the age of 28, the Italian Progeria Association said on Sunday.
A British-Canadian researcher has won the Nobel Prize in physics for work developing the foundations of machine learning and artificial intelligence. The University of Toronto's Geoffrey Hinton was awarded the prize Tuesday morning, along with Princeton University researcher John Hopfield.
The best minds in science will be thrust from academic obscurity into the spotlight this week when the Nobel Prizes in physics, chemistry, and physiology or medicine are announced. However, there is no shortage of Nobel-worthy discoveries: Here are five breakthroughs that haven't resulted in a life-changing call from Stockholm — at least not yet.
A spacecraft blasted off Monday to investigate the scene of a cosmic crash.
Cissy Houston, the mother of the late Whitney Houston and a two-time Grammy winner who performed alongside superstar musicians like Elvis Presley, and Aretha Franklin, has died. She was 91.
For years, Kathy Bates has believed she missed thanking someone pivotal during her acceptance speech after she won the Oscar for best actress in 1991 for her performance in 'Misery.'
The weapons supervisor in the fatal shooting of a cinematographer by Alec Baldwin on the set of the Western film 'Rust' pleaded guilty Monday to a separate criminal charge of carrying a gun into a licensed liquor establishment.
As U.S. regulators push for an investigation into what they call 'deadly baby and toddler products' from foreign e-commerce sites, health officials in Canada say they haven't determined whether any laws or regulations have been broken.
The Federal Court of Appeal has dismissed a challenge to the construction of a massive rail-and-truck hub in the Greater Toronto Area, allowing the project to proceed.
Canada's telecommunications regulator says the country's largest cellphone carriers must take steps to make their international roaming rates more affordable.
When it comes to raising a child, the majority of fathers say they share tasks equally, but fewer mothers tend to say the same thing, according to a Statistics Canada survey.
Gerontologist Jay Olshansky is used to backlash about his views on human longevity. Decades ago he and his coauthors predicted children, on average, would live to only age 85 — only 1 per cent to 5 per cent might survive until their 100th birthday.
'Eat more vegetables,' doctors and dietitians say over and over. But for many people, it’s hard to do, because they aren’t excited about veggies or just don’t like them.
A former WWE employee who filed a lawsuit against the company and ex-leader Vince McMahon, accusing him of sexual battery and trafficking, is asking them to not enforce nondisclosure agreements with other former and current employees and contractors so they can potentially come forward with similar accusations.
Apparently not satisfied with becoming one of the dominant forces in the WNBA, 2024 Rookie of the Year Caitlin Clark is set to compete in a Pro-Am golf event in November.
The Florida Panthers handed out dozens of rings at a private ceremony commemorating last season's Stanley Cup title to players, coaches, team executives, members of the athletic training and medical staff and more.
New data from the Insurance Bureau of Canada (IBC) shows that even though claims for auto theft dropped in the first half of 2024 compared to their 2023 peak, the rates of reported theft remain well above those of years prior.
Tesla is recalling more than 27,000 Cybertrucks because the rearview camera image may not activate immediately after shifting into reverse, the fifth recall for the vehicle since it went on sale late last year.
A Pickering, Ont., student going to college to be a mechanic is shocked the engine in his two-year-old car will not be repaired under warranty after the dealership claimed he had been 'over-revving' the engine.
Videos of a meteor streaking across the skies of southern Ontario have surfaced and small bits of the outer space rock may have made it to land, one astronomy professor says.
A unique form of clouds made an appearance over the skies of Ottawa on Sunday evening.
Bernie Hicks, known as the ‘Batman of Amherst,’ always wanted to sit in a Batmobile until a kind stranger made it happen.
Bubi’s Awesome Eats, located on University Ave West took to social media to announce the closure on Friday.
Weeneebayko Area Health Authority and the Government of Ontario have awarded a $1.8 billion fixed-price contract to design, build and finance a new Far North hospital.
Manitobans are in cleanup mode after intense winds barreled through southern parts of the province this weekend.
Avry Wortman, 13, scored two touchdowns on Sunday during her team's win in the under 14 Greater Moncton Football Association.
A gargantuan gourd – affectionately named ‘Orangina’ by the urban gardeners who grew it in the front yard of their Vancouver home – earned the massive honour of being named B.C.’s heaviest giant pumpkin Saturday.
Chantal Kreviazuk is set to return to Winnipeg to mark a major milestone in her illustrious musical career.
Monday was a solemn and emotional day for Israelis and Palestinians. The Oct. 7, 2023, attack saw more than 1,200 Israelis killed and has since left more than 41,000 dead in Gaza.
A B.C. couple is getting desperate – and creative – in their search for their missing dog.
Child care was front and centre Monday for the BC NDP, its leader David Eby promoting the party's campaign promises.
A British-Canadian researcher has won the Nobel Prize in physics for work developing the foundations of machine learning and artificial intelligence. The University of Toronto's Geoffrey Hinton was awarded the prize Tuesday morning, along with Princeton University researcher John Hopfield.
A Toronto senior says she can’t believe that two roofers took advantage of her, despite knowing she was recently widowed and suffering from a painful disability.
A man has died after being shot on Monday night in North York, say police.
Less than 48 hours after his Monterey Park townhome was gutted by a fiery explosion, Calgarian Owen DeFoe returned on Monday to see what was left.
Two meat stores and one restaurant have reopened after being closed by AHS. The stores were accused of selling uninspected meat -- a claim the owners denied, saying they produced all the paperwork required to prove their case.
A 17-year-old boy was killed in a motorcycle crash in southeast Calgary over the weekend.
Tuesday is Alex Munter’s last day as the head of eastern Ontario’s children’s hospital after more than a decade on the job.
Ontario Provincial Police say the westbound lanes of Hwy. 417 are closed between Innes Road and Highway 174 following an overnight collision.
You may want to find your toque and gloves this morning, as temperatures drop to the coldest level in Ottawa since late April.
Heavier pressure tactics could soon begin in family daycare, as 9,000 workers have just voted in favour of a pressure tactics mandate that calls for services to open later and later, up to and including a strike day.
The Montreal police (SPVM) arson squad is investigating after a vehicle was torched in the Saint-Leonard borough.
Montreal students and supporters showed their grief and anger at protests and vigils as they marked the anniversary of the current war between Israel and Gaza.
Provincial ministers testified before the House of Commons on Monday, asking the federal government to pay for the cost of the Jasper wildfire.
A Grande Prairie man has been charged with kidnapping after an assault on Sunday.
After four years of criticism, the Alberta government is considering changing how schools are funded
Hundreds of people gathered at two separate vigils in Halifax Monday night to remember the lives lost since the Hamas-Israel war began one year ago.
The price of diesel jumped nine cents overnight in Nova Scotia after the province’s Utility and Review Board (UARB) invoked its interrupter clause.
Online and telephone voting for the Halifax Regional Municipality’s upcoming municipal election opened at 8 a.m. Tuesday.
A disgraced Winnipeg high school football coach convicted of sexual assault and luring will spend 20 years behind bars.
After concerns were raised in the summer, it appears some 7-Eleven stores in Winnipeg may be shutting down because of crime.
One year has passed since Hamas militants murdered 1,200 Israelis and took more than 200 people hostage. Since the horrific attack, nearly 42,000 people have been killed in Gaza, as the war between Israel and Hamas rages on.
Regina resident Murray Yagelniski says a city-owned tree on his property is the root of the issue behind his basement flooding.
The Saskatchewan NDP says the province's troubled payment and scheduling system for healthcare is only half implemented and has costed taxpayers nearly triple its original price tag so far.
The John Howard Society of Saskatchewan will appear in front of the Supreme Court of Canada on Tuesday challenging a regulation that it says lets correctional workers discipline inmates without sufficient proof.
Communities across Canada, including in Waterloo Region, are marking one year since the Oct. 7 attack that sparked the Israel-Hamas war.
In September, Â鶹´«Ã½ Kitchener reported on Sandvine's deals with autocratic governments, including Egypt, where its tech reportedly helped inject spyware into the devices of government critics.
The penalty hearing for Guelph Police constable Corey McArthur has heard from two character witnesses, both supporting an eventual return to policing for the officer who has admitted to assaulting a teen who was handcuffed to a hospital bed.
Saskatoon’s Prairie Harm Reduction (PHR) says a staff member arrived to work on Thursday morning to find someone at its doorstep, unresponsive from a suspected drug overdose.
A 36-year-old woman accused of sexually assaulting, physically assaulting and threatening residents at a Saskatchewan care home, was not in court when her matters were spoken to Monday afternoon.
Saskatoon mayoral candidate Cynthia Block says the city needs a new deal with Ottawa to keep life affordable.
Ontario Provincial Police are investigating a fatal crash of a side-by-side off-road vehicle east of Parry Sound that killed one and injured another Friday.
A teacher working on a First Nation in northwestern Ontario has been charged with sexually assaulting a minor.
The North Bay Battalion hockey team is mourning the loss of a former player who died at 23 after a battle with cancer.
U.S. forecasters are warning of destructive waves, devastating winds and flash floods through the week as Hurricane Milton makes its way from the Yucatan Peninsula toward Florida.
City hall is on track to deliver a massive budget surplus this year, but the windfall is already being earmarked to fill a new financial shortfall.
Saying “yes†to ENCORE paid off for Emily Lamont, Carrie Newton, and Rosanne (Rose) Breig of Mildmay.
Five vehicles collided in Orillia Monday night during rush hour.
The cause of a fire that caused significant damage to a home in Oro-Medonte over the weekend is under investigation.
More than a hundred members of the Jewish community gathered at Barrie City Hall to commemorate the events of October 7, 2023, when Hamas abducted more than 200 Israeli civilians and today's ongoing war in the Middle East commenced.
Delays are to be expected Tuesday morning after a crash in Essex County. According to OPP, the crash happened at Walker Road and Highway 3 in Tecumseh.
The Ambassador Bridge border crossing was 'temporarily closed' for a period of time, according to the Canada Border Services Agency website.
U.S. forecasters are warning of destructive waves, devastating winds and flash floods through the week as Hurricane Milton makes its way from the Yucatan Peninsula toward Florida.
Major crime investigators have been called to the scene of a suspected homicide in the northern Vancouver Island community of Port Hardy.
The day after a minivan was set ablaze outside Vancouver City Hall, a 78-year-old man has been criminally charged.
A Canadian soldier who was exposed to toxic chemicals from burn pits while serving in Afghanistan has been awarded full medical compensation for testicular cancer after Veterans Affairs initially denied his claim.
Nearly two years after a man was stabbed to death in downtown Kelowna, RCMP have made an arrest in the case.
NDP Leader David Eby is promising to offer a $75-million loan forgiveness program to entice doctors, nurses and heath professionals to expand health-care services in rural British Columbia.
Three young suspects have been arrested in connection with a swarming attack on a teenager in B.C.'s Okanagan last week – and authorities have asked the public to stop circulating disturbing videos of the incident.
A Lethbridge police officer involved in a scandal involving former Lethbridge New Democrat MLA Shannon Phillips has been reprimanded.
Lethbridge police say a man who escaped from a psychiatric ward at the Chinook Regional Hospital has been found.
While the summer may be over, construction season in Lethbridge is not.
The Federation of Northern Ontario Municipalities (FONOM) is the latest organization to call on the Doug Ford government to re-open dialogue with an airline service that transports lower-income Canadians to crucial medical care far from home.
For decades, Mississauga First Nation has known that human remains from their land were at the Canadian Museum of History.
Greater Sudbury in partnership with the Organization for Economic Co-operation and Development, is hosting the organization's annual mining conference.
As millions in federal funding flow into a Labrador group whose claims of Inuit identity have been rejected by Indigenous organizations across Canada, a national Inuit leader worries the Liberal government is putting the rights of Indigenous Peoples at risk.
He may not have logged the fastest time or even gone the full distance, but residents of a Newfoundland town agree the goat who unexpectedly joined the local weekend half marathon was the event's undisputed champion.
A mother in a community where the cost of living is one of the highest in the country says grocery prices are 'inhumane' and retailers are putting profits ahead of people’s basic human right to food.
The Shopping Trends team is independent of the journalists at Â鶹´«Ã½. We may earn a commission when you use our links to shop. Read about us.
