I have a ritual that I do twice a year, once right after New Years and once just before or after Independence Day. I spend part of one day going through my bills and calling the companies to see if there’s any room for cutting or saving. I make sure that I’m in the appropriate phone package, the appropriate cell phone package and check that there’s no better deal on my satellite television. I even call my auto insurance company and check with them and then I call two or three other companies and request an auto insurance quote from them. How do you make sure you’re getting the best rates or prices on your regular bills?