Clark Howard’s 5-Step Guide To Lowering Your Monthly Bills


Do you live with the constant feeling that there’s more month than money in your life? Here is money expert Clark Howard’s plan of attack for your monthly bills to give you — and your wallet — more breathing room.

Clark Howard: Tackle These Bills One by One

With so many things that didn’t even exist a generation or two ago, it’s easy to feel squeezed by bills for your cell phone, your internet service, pay TV, streaming services, utilities, alarm monitoring and more.

It can all amount to death by a thousand cuts for your budget, but there are several ways you can save money every month!

1. Cell Phone Service

If you’re a creature of habit and you’re with one of the legacy wireless providers like AT&T or Verizon, chances are you’re paying too much for cell phone service.

There’s nothing wrong with either company. It’s just that so many more compelling offers from other players have popped up in the marketplace over the last couple of years.

Switching is the key to saving yourself a bundle of money!

“One woman I spoke to had been paying over $100 a month for a line of service. Now she’s paying $30 with a discounter and getting everything she wants with talk, text and data,” Clark says.

The market for cell service is getting so segmented that there’s sure to be a deal that’s right for you.

Let’s say you’re paying $70 a month for one line of unlimited service with Verizon. Did you know that you can cut that bill to $40 a month by switching to Verizon-owned Visible? And Xfinity internet customers can save even more by using Xfinity Mobile, which runs on Verizon’s network, for only $15 a month.

The point is, there are so many alternatives that can be so affordable. But even when you have the information, Team Clark knows that making a change isn’t easy.


“You have to be willing to stop the inertia of what you’ve always done and get on a new path for something better and cheaper,” Clark notes.

Use Team Clark’s comprehensive cell phone plan guide to see the latest deals, tips and reviews.

2. Internet Service

With internet service, most of us have very few choices, often between a monopoly phone company and a monopoly cable company. Some of us have no choice at all.  

Clark’s secret to lowering what you pay for internet is simple: Put your current provider in competition with the other provider. And every time a special deal with the one you switched to expires, start the process over again.

Yes, it’s a little bit of a hassle but you can save significant money, usually on the order of $500 or more per year.

Just know this when you’re shopping: Be sure you always get the quote in writing via email or text.

Team Clark has other strategies that can help you save money on your internet service here.

3. Pay TV

Cutting the cord can reduce your pay TV bill down from around $100 a month on average to around $70 a month. That’s a savings of more than $360 a year!

Are you afraid of missing your favorite shows, channels, and local news? Streaming services have come a long way over the years. This guide takes you step-by-step to make sure you cut the cord without sacrificing your favorite content.

If you do want to keep traditional pay TV in your life, Clark’s advice about pitting internet providers against each other for your business applies here, too.


You want to put the best offer from the satellite companies up against the best from the cable company and the phone company. See who’s willing to make the best deal at that moment. When that deal expires, put them in competition again.

“I’m giving you homework,” Clark says of his process of shopping and re-shopping. “But that homework generates potentially thousands of take-home dollars — tax-free — that you get back in your life.”

Check out our guide to the best streaming TV services.

4. Utilities

Depending on where you live, you may be able to shop your utilities, too. The more you pay attention to local offers in the market, the more you can save.

Residents of more than two dozen states are free to shop around for the best natural gas or electricity rates because their energy markets have been deregulated.

If you live in one of these states, the website of your state’s public service commission will usually publish monthly energy price updates from all the providers. Use these quotes to comparison-shop for energy.

The rates usually reset once a month. You can typically lock in a fixed rate for 6 to 24 months, depending on the rules in your state.

Shopping for this stuff may not be fun, but it can save you a whole lot of money on a bill that comes every month like clockwork.

Remember, there is no difference between a therm or a kilowatt from one company or another. The only difference is the price, so shopping the market is key.

Here are more ways to save on utilities every month.


5. Burglar Alarm Monitoring

A home security system is one more thing for which you never want to sign a long-term contract. That’s because the costs vary so much from provider to provider, and the quality can vary just as widely. So it’s not something you want to be locked into.

Self-install systems with low monthly monitoring costs can be a great solution, too.

SimpliSafe is the leader in the field and offers 24/7 professional monitoring without the excessive fees tacked on by third-party vendors. Monitoring starts at $15/month.

In addition to SimpliSafe, there are at least 10 other self-install burglar alarm choices in the market. Get an overview of them here.

Bonus: More Ways To Lower Your Bills

More Money-Saving Tips From

Welcome bonuses can be a great way to boost the value of a credit card. Best Credit Card Signup Bonuses for 2021 - If you're in the market for a new credit card, you may be hoping to cash in on the hundreds of dollars in signup bonuses offered to new customers. Signup bonuses and offers are a marketing tool that credit card…
The best cell phone plans include Tello, Mint Mobile, Visible, T-Mobile, Consumer Cellular and more Best Cell Phone Plans and Deals in 2021 - Team Clark ranks the best cell phone plans and deals! See our favorites for unlimited data, families and cheap plans starting at $10/month.
  • Show Comments Hide Comments