By: Hayden Field
"Fixed" expenses? That's what they want you to think. Utility bills, cell phone bills, credit card interest rates and the like are often negotiable.
Apps like Trim and Truebill will negotiate monthly bills on your behalf, but they take a percentage of your savings. If you want to DIY, set a calendar reminder for once a year to call the companies and negotiate better rates.
Give yourself more time than you think you'll need, and do something else while you're on hold -- like returning emails emails or reading that article you've had open on your tabs for the past month.