Simple Guide to Lower Household Bills

The Annual Bills Review

by Serene Finance

Most households quietly overpay on everyday bills without realizing it.

Prices increase, promotions expire, and loyalty is rarely rewarded but no one tells you when it happens. This simple, once-per-year review helps you spot where money is slipping away and shows you exactly how to fix it.

The Annual Bills Review is a calm, step-by-step PDF designed to help you lower monthly expenses without apps, subscriptions, or complicated budgeting systems.

What you’ll do

- Review your core household bills in under an hour

- Identify red-flag pricing that signals overpayment

- Use clear, polite call scripts to request lower rates

- Decide when it’s better to negotiate — and when to switch

- Eliminate forgotten subscriptions and recurring charges

- Track real savings so you can see the results

What this is (and isn’t)

✔ A practical checklist for regular adults
✔ Designed to be printed or used digitally
✔ No financial jargon or hype

✘ Not a budgeting app
✘ Not investment advice
✘ Not a sales pitch for other products

Who this is for

- Homeowners, renters, and families

- Anyone tired of watching bills creep up

- People who want peace of mind, not complexity

Time commitment

Approximately 45–60 minutes, once per year.

Potential savings

Most people find opportunities to save hundreds of dollars per year by fixing just one or two bills.