Ceyda Erem
Ceyda Erem,
September 5, 2023

6 Ways To Get Help Paying Bills

A stressed woman with a pile of bills at her table

Breathe Easier With Bills

Life’s a journey that’s always full of twists and turns, and sometimes those twists come in the form of unexpected financial hurdles. But fear not, you’re not alone when an unexpected hurdle comes your way, there are a world of possibilities available at your fingertips to help you conquer those bills.

Unlocking Assistance: Government Programs At The Rescue

Imagine a safety net ready to catch you whenever you stumble on your financial path. One such net is the Low-Income Home Energy Assistance Program (LIHEAP). This initiative offers a one-time boost to cover utility bills. But that’s not all – various states also have their own supportive programs that complement LIHEAP.

Then there’s the Federal Communications Commission’s (FCC) Lifeline program, for those seeking discounts on telephone or internet bills. With potential savings ranging from $9.25 to $34.25 per month, these programs add some extra relief to a tight budget.

Your Providers, Your Allies

Your service providers aren’t always faceless corporations; they can be your allies in the fight for financial stability. They’ve got a treasure trove of assistance programs up their sleeves, each designed to make your bills more manageable:

  • Due date extensions that grant you a little extra time to catch your breath.
  • Discounts that save you money for prompt payment. 
  • A freeze on bills you owe can give you a temporary break from the bill-paying hustle.
  • And in times of dire need, there are even forgiveness programs to forget the money you owe and help you start again.
  • Payment plans that let you sail through bill payments in smaller installments. And if you don’t want to sit on hold with call centers, check out Deferit. Deferit pays your bills upfront, and you pay back Deferit in 4 installments -from one app.

Dial for Dollars: A Better Deal Awaits

Ever wondered if you could strike a better deal with your providers? The answer is a resounding yes! A simple call could open doors to exclusive discounts, value-packed plans, and even cash off your bill. It’s all about putting your foot down and asking for what you deserve. You might be surprised at the perks that await, thanks to those enthusiastic call center champions.

Untangle Subscriptions And Streamline Your Life

With the average person juggling multiple subscriptions, it’s no wonder bills can start to feel like an avalanche. But worry not – subscription monitoring services are here to save the day. They keep track of all those subscriptions, helping you regain control over your finances and simplify your life. Whether you’re exploring Rocket Money, Trim and Bobby, a brighter subscription future awaits.

The Negotiation Maestros: Bill Wizards at Your Service

Not everyone loves the idea of haggling over the phone. But what if I told you there’s a solution? Bill negotiation services have emerged as the superheroes of savings. With their expert skills, they’ll tackle those rates on your behalf. And here’s the magic: if they succeed in securing you a better deal, the cost is often split from the savings, ensuring a win-win scenario and no risk to you. Ready to explore? Here’s a few providers to check out: BillCutterz, Billshark, Deferit, Experian BillFixer, Trim, Rocket Money.

Guiding Lights: Financial Counselors Setting You On A Different Path

When the road gets tough, it’s wise to seek guidance. Financial counselors are like beacons of wisdom, ready to offer tailored advice and tools to set you on the right track. The National Foundation for Credit Counseling (NFCC) and The Financial Counseling Association of America (FCAA) are your allies, with hotlines and resources that bring clarity to your financial journey. You can also check out The Consumer Financial Protection Bureau, a federal agency that helps you make informed financial decisions.

However, keep an eye out for those who wear the title of ‘counselors’ but might just be wearing a different hat behind the scenes. Some advisors might steer you towards restructuring the money you owe, not to help your situation, but to get some kickbacks. Trust your instincts and ask them directly if they get kickbacks or incentives. And of course if in doubt, just use our links above.

Seizing Control: Your Action Plan

Ready to embrace your financial freedom?

Let’s break it down into simple steps. Start by trimming your monthly expenses – think insurance, power, phone, TV, and internet. You’ve got the power to negotiate better deals directly or enlist the aid of bill negotiation services.

And let’s not forget those subscriptions that seem to multiply overnight. A subscription management service is your ticket to decluttering and saving big. 

But if the bills still feel like a mountain, don’t hesitate to reach out. Providers and financial counselors are waiting to offer their support, ensuring you’re back on track in no time.

Remember, you’re not alone on this journey. Support is all around you. Embrace the opportunities, ask for help, and take back control of your bills!

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