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Penny WiseHomemaker

Bills & Insurance

9 posts
Lowering the Internet Bill: The Phone Call Script I Used

Lowering the Internet Bill: The Phone Call Script I Used

September 16, 2026

The promo rate ended, our bill jumped $34, and one polite 22-minute phone call got most of it back. Here's word for word what I said.

Shopping Around for Car Insurance: What I Learned Calling Five Companies

Shopping Around for Car Insurance: What I Learned Calling Five Companies

August 6, 2026

Our home and auto renewal jumped $290 a year with no tickets or claims. So this spring I spent two afternoons on the phone. Here's what I found out.

How We Cut Our Electric Bill by $38 a Month

How We Cut Our Electric Bill by $38 a Month

June 12, 2026

A forgotten garage fridge, a thermostat stuck on hold, and five more small fixes that took $38 a month off our electric bill.

Is Bundling Home and Auto Insurance Actually Cheaper?

Is Bundling Home and Auto Insurance Actually Cheaper?

May 14, 2026

We priced our home and car insurance bundled, split up, and every which way. The cheapest option on paper wasn't the real winner.

We Switched to a Prepaid Phone Plan: Six Months Later

We Switched to a Prepaid Phone Plan: Six Months Later

March 6, 2026

Six months after leaving our big postpaid plan: $78 a month saved, one football-game glitch, and the porting step that nearly tripped us up.

The Yearly Bill Audit: Every Recurring Charge in One Afternoon

The Yearly Bill Audit: Every Recurring Charge in One Afternoon

January 24, 2026

Three bank statements, a highlighter, and one snowy Saturday. How I found $83 a month in charges we'd stopped noticing.

Winterizing the House to Keep Heating Costs Down

Winterizing the House to Keep Heating Costs Down

November 2, 2025

A $63 weekend of plastic film, weatherstripping and a few habit changes took a real bite out of our winter gas bills. Here's the list.

Term Life Insurance for a Stay-at-Home Parent: Why We Bought It

Term Life Insurance for a Stay-at-Home Parent: Why We Bought It

August 31, 2025

I don't earn a paycheck, so why insure my life? Pricing out what I do each week changed our minds. How we decided and what it cost.

Reading Your Home Insurance Policy Before You Need It

Reading Your Home Insurance Policy Before You Need It

July 2, 2025

A neighbor's flooded basement sent me digging through our homeowners policy. What each section means and the gap I found in ours.