[contrary1]

I evaluate my regular bills, both monthly and those that come periodically during the year............each year. Normally, I use January to do this. (no outside chores at this point)
I look at each bill & often call the provider & ask point blank, "is there anything I can do to lower this bill?" Amazingly, I always come up with a couple really good tips/changes and make money this way each year.
The only one that really backfired on me was my homeowners insurance. I called 2 years ago & just asked my normal questions........... They ended up sending someone to my house to re evaluate my coverage & ended up cancelling my policy. I had to get re insured quickly, since homeowners insurance is required for me to continue working........ I did end up with a better deal, but it was a frantic time for me.