Whether you own or rent your home, utility bills likely eat up a portion of your monthly budget. To reduce these costs, consider installing a smart thermostat, swapping out old light bulbs for LED light bulbs, and being mindful of your electricity and water usage. You may also be able to negotiate with your TV, internet, and cellphone providers to get lower rates. Learn more about lowering your utility bills. You may also want to call your service providers every six months to negotiate lower prices. This can be done with your cellphone and cable provider but don’t forget your car insurance, home or rental insurance too.