Your ability to negotiate a lower rate on a monthly bill often depends heavily ... This way, your call notes are available in writing in case your bill doesn’t change. “It’s rare, but ...

It also eliminates the risks involved with writing paper checks ... and you may incur fees. Also, for bills with variable monthly amounts, you'll need to remember to change the payment amount ...

Experts advise writing down (or using an app to track ... In trying times, every bit of caution with monthly bills can bring an added measure of financial peace.