How to Save Money on Monthly Bills – EP 265

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You probably hate talking about bills but here at Frugal Friends, we try to love our bills. Today, it’s about bills– all bills you pay monthly or maybe you should be saving for. Hop on as this episode we may challenge you to try some things you may already know but did not think were applicable when it comes to saving money. 

Rather than looking at some of the tiny little things we spend on, let’s look at the bigger things.


  • The pods on Love is Blind. Arguably the best part of the show, the pods are designed for complete isolation. An introvert’s dream. Isolation not only makes for saucy reality drama but it’s good for your money too. Puting your savings in different “pods” keeps it isolated from your other dollars and from you. Are your dollars comingling? They may need to be isolated to find love (ie, the plans you have for it.) Put your savings in their own pod and earn 3.25% APY at our current account of choice, CIT. Let your money find love in its own pod at Also, Lauren and Cameron forever.

How to Lower Bills: 38 Ways to Save

You do not need to do all 38 things to save money on your bills but it’s good to have lots of options. This article from nerdwallet has tips for everything. It broke all of it into different categories from housing, and utilities to food which you might not even know of! 

What Jen + Jill have to say:

Jill says to try to negotiate for a lower rent for a longer lease and try to handle your own repairs and maintenance. You should also look at the expenses you have made on your car and streaming devices–it’s good to have plenty of choices but you don’t need all of them.

As shocking as this tip may sound,  Jen wants you to drop your private mortgage insurance and you should start looking at your auto-insurance every 12 months. Try to compare your insurance to different companies and negotiate. Also, if you’re not using your gym membership that much, cancel it. 

How to Lower Your Monthly Bills 20% In 5 Steps

What do you mean you can actually lower your bills up to 20%?!?! We’ll see, as this CNBC article is sharing with us the 5 simple steps on how to lower monthly bills at 20% and even build your wealth in minutes. 

What Jen + Jill have to say:

More than anything else, doing research is a must for Jill. Try saying you’re canceling a service and see if they can negotiate the price but make sure that they will do what they say, be highly aware of what you’re negotiating for. 

For Jen, it is advisable to call between 9 am to 5 pm–make sure not to go way beyond the time and always be friendly when talking to the companies or services you are speaking with. 

You need to cut ALL your monthly subscriptions except one. What stays?

For Jill, Netflix stays because it usually has the things she wants to watch. Jen goes to the gym a lot so her membership in the gym stays. 

Bill of The Week

Thank you Caroline from London for sharing your bill about paying your final tuition bill for your Master’s degree as a dietician. Getting your Master’s without debt!!! The day-to-day small choices make these bigger life things available!

Thanks so Much for Listening!

Thanks so much for listening! Many of you know we have a private community where we do monthly money challenges and offer accountability groups. We want to congratulate one of our members for a big win:

The Radical Middle

I love the thoughtful and balanced conversations on this podcast. It is so rare to find people who can acknowledge that life is complicated, there is no one size fits all approach to finance, and ultimately the right choice for most of us will be somewhere in the middle.

The fact that these ladies are also funny and entertaining is the icing on the cake.

Congrats! Thanks for listening and if you want to check out our monthly challenge community head to to see what challenge we have coming up next.

Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to And don’t forget to share your favorite quote from the episode by using the hashtag #FrugalFriendsNote. 😉

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