Sunday, November 16
The Unexpected Call That Saved Me $600 This Year
I wasn’t planning to save money that day. Honestly, I was just calling to update my address. But somewhere in the middle of the hold music and the polite automated messages, I realized something:
I hadn’t reviewed a single major bill in almost three years.
So before hanging up, I asked one small question
“Are there any discounts I qualify for that I’m not using?”
The rep paused… typed… and then laughed softly.
“Actually, yes. A few.”
Ten minutes later, I’d shaved $600 off my yearly expenses without cutting a single thing from my life. No downsizing. No extra work. Just a smarter version of the same bills.
These moments always remind me of something I wish someone had told me earlier in life:
Most companies won’t tell you when you’re overpaying - but they will lower your bill if you ask the right way.
Today, I’ll show you exactly how.
🌟 Today’s Highlights
The 4 companies retirees save the most on with just one call
What to say (word-for-word) to unlock hidden discounts
The websites that reveal if you’re overpaying right now
How seniors accidentally miss out on savings they deserve
💡 What I Did - and What You Can Do Too
1️⃣ Insurance: the biggest and easiest win
Many people go years without reviewing their insurance premiums — and companies quietly raise rates.
This tool shows whether your current price is above market:
👉 Compare your rate here (Policygenius)
https://www.policygenius.com
If you want to call your current provider, ask:
“Can you check if I qualify for a loyalty, safe-driver, or senior discount today?”
(You’d be surprised how often the answer is yes.)
2️⃣ Internet & Cable: the most forgotten discount
Internet providers almost always have “retention” offers that aren’t advertised.
Before you call, check your area’s current prices here:
👉 BroadbandNow price lookup
https://www.broadbandnow.com
Then say:
“I’m reviewing my monthly expenses. Can you check if there’s a lower-cost plan or promotional rate available to me?”
It works more often than not.
3️⃣ Phone Plans: seniors qualify for hidden perks
Carriers like T-Mobile and Verizon have senior plans, but they don’t automatically move you into them.
Here’s the list:
👉 NerdWallet: Best Senior Phone Plans
https://www.nerdwallet.com/article/finance/best-senior-phone-plans
My bill dropped just by switching to the plan I should’ve been on in the first place.
4️⃣ Subscriptions: the silent money drain
We all sign up for trials we forget. Use this to see what’s quietly billing you:
👉 Rocket Money (subscription finder)
https://www.rocketmoney.com
I found two I hadn’t used since 2022.
🔍 Why This Works
Most companies do have discounts.
They just don’t advertise them.
But if you ask calmly, kindly, and confidently, reps usually help because:
They’re trained to keep loyal customers
They have access to internal discount lists
It costs the company nothing to give them to you
And here’s the part no one tells you:
You don’t need to threaten to cancel. You just need to ask.
🔑 Your Tiny Task for Today
Choose one bill - just one - and call them with this question:
“Can you review my account and check if there are any unused discounts or promotions available to me?”
One question. One call. One small win.
Imagine if you repeated it monthly.
💬 Tell me this:
Which bill are you calling first - insurance, internet, or phone?
I’m genuinely curious which one stings the most right now.
Hit reply and tell me - your answers help guide future newsletters.
Best,
Sarah