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| Item | Monthly |
|---|---|
| Supply rate overage (850 kWh × $0.0375/kWh) | $31.88 |
| Delivery charges (fixed — no change) | $0.00 |
| Total potential monthly savings | $32.00 |
| Vendor | Consolidated Edison (ConEd) |
| Service Address | New York, NY 10025 |
| Billing Period | May 12 – Jun 11, 2026 |
| Usage | 850 kWh |
| Supply Charge Rate | $0.1843/kWh |
| Delivery Charge | $0.0812/kWh |
| Regulatory Fees & Taxes | $18.40 |
| Total Bill Amount | $183.14 |
Switch to a fixed-rate ESCO on PowerToChooseNY
Go to powertochooseny.org, enter zip 10025, filter by "fixed rate" and ≤ 12-month contract. Look for rates at or below $0.1468/kWh with no early-termination fee. Your ConEd account number is all you need — takes 5 minutes online.
Enroll in ConEd Sustainable Choice (community solar)
ConEd's Sustainable Choice program routes local solar generation to your account at a reduced supply rate. No panels, no installation — add $10–15/mo in savings on top of your ESCO switch. Enroll at coned.com/sustainablechoice.
Re-benchmark after 10 months
ESCO rates are locked for your contract term. At month 10, compare current offers again — upload your bill and LeanBills re-runs the benchmark automatically.
| Item | Monthly |
|---|---|
| Modem rental elimination (bring your own) | $14.00 |
| Retention discount (call for promo renewal) | $3.99 |
| Taxes & fees (proportional reduction) | ~$0.01 |
| Total potential monthly savings | $18.00 |
| Vendor | Xfinity (Comcast) |
| Service Address | New York, NY 10001 |
| Billing Period | May 15 – Jun 14, 2026 |
| Plan | Connect 400 Mbps |
| Plan Rate | $75.99/mo (promo expired) |
| Xfinity Gateway / Modem Rental | $14.00/mo |
| Taxes & Regulatory Fees | $0.00 |
| Total Bill Amount | $89.99 |
| Contract / Early Termination | None (month-to-month) |
Buy your own DOCSIS 3.1 modem — return the rental
The Arris SURFboard SB8200 or Motorola MB8600 are Xfinity-approved modems available for ~$80 on Amazon. Buy one, return the Xfinity gateway the same day — payback in under 6 months, then pure savings.
Call Xfinity retention and ask for a promotion renewal
Dial 1-800-934-6489 and say "I'm thinking of canceling — I'd like to discuss my options." Retention reps can unlock promotions not shown online. Your promo expired; they have a standard $20/mo loyalty discount available for accounts like yours.
Get a competitor quote to use as leverage
AT&T Fiber and T-Mobile Home Internet offer competitive rates in NYC. A real quote in hand significantly improves your retention negotiation — Xfinity will typically price-match rather than lose the account.
| Item | Monthly |
|---|---|
| Line cost reduction (3 lines × $10/line) | $30.00 |
| Taxes & fees (included in Visible flat rate) | $0.00 |
| Total potential monthly savings | $30.00 |
| Carrier | Verizon Wireless |
| Account Address | Chicago, IL 60601 |
| Billing Period | May 18 – Jun 17, 2026 |
| Plan | Unlimited Plus (3 lines) |
| Base Plan Cost | $165.00/mo |
| Taxes & Surcharges | $20.00 |
| Device Payments | $0.00 |
| Total Bill Amount | $185.00 |
| Contract | Month-to-month |
Switch to Visible+ — same Verizon network, lower price
Visible is owned by Verizon and runs on Verizon's network. Visible+ is $35/line/mo (taxes included), giving 3 lines at $105/mo — or with their Party Pay feature, $25/line, bringing total to $75/mo. Coverage is identical to Verizon in most metro areas.
Consider US Mobile or Mint Mobile on the same Verizon network
US Mobile's Warp 5G plan (Verizon towers) is $25/line/mo for unlimited data. Mint Mobile (T-Mobile network) is $15/line/mo with similar speeds in Chicago. Both are prepaid with no annual contracts.
Call Verizon retention before switching
Mention you're considering Visible or US Mobile. Verizon retention can offer plan discounts or loyalty credits — typically $10–20/mo per account — to keep you. Use a competitor quote as your opening position.
| Item | Monthly |
|---|---|
| Supply rate overage (95 therms × $0.18/therm) | $17.10 |
| Budget billing enrollment (smooths winter spikes) | ~$0 |
| Delivery charge (fixed — no change) | $0.00 |
| Total potential monthly savings | $17.00 |
| Vendor | Consolidated Edison Gas |
| Service Address | New York, NY 10025 |
| Billing Period | Dec 15, 2025 – Jan 14, 2026 |
| Usage | 95 therms (winter avg) |
| Supply Charge Rate | $1.52/therm |
| Delivery Charge | $0.42/therm |
| Customer Charge | $17.68/mo |
| Regulatory Fees & Taxes | $8.20 |
| Total Bill Amount | $142.00 |
Switch to a third-party gas supplier on NY PSC's tool
Go to powertochangeny.org and look for gas suppliers under $1.40/therm with a fixed 12-month contract and no early-termination fee. ConEd continues delivering gas — only the supply source changes. Enrollment takes 10 minutes and requires your ConEd account number.
Enroll in ConEd Budget Billing
Budget billing smooths your payments across 12 months based on your average annual usage — no more $300+ January surprises. Enroll for free at coned.com. The annual true-up adjusts for any difference. This doesn't reduce your total but makes cash flow predictable.
Audit heating appliance efficiency
At 95 therms/month average in winter, heating accounts for most of your gas bill. A $25 smart thermostat (Nest, Ecobee) typically reduces heating usage by 10–15% by learning your schedule. In NYC winters, that's $15–25/mo in additional savings.
| Item | Monthly |
|---|---|
| Premium reduction (re-shopping at renewal) | $26.00 |
| Multi-policy bundle discount (if applicable) | +$0–15 extra |
| Total potential monthly savings | $26.00 |
| Insurer | GEICO Auto Insurance |
| Policy Address | Austin, TX 78701 |
| Policy Period | Jun 1 – Nov 30, 2026 (6-mo) |
| Vehicle | 2020 Honda Accord (sedan) |
| Coverage | Full coverage — $500 deductible |
| Liability | 100/300/100 |
| Bodily Injury / Property | Included |
| Current Premium | $936/6-mo ($156/mo) |
| Last Re-shopped | 3+ years ago (flagged) |
Re-shop your policy at renewal — take 3 quotes minimum
Get quotes from Progressive, State Farm, and USAA (if eligible) 30 days before your renewal date. Use the exact same coverage limits (100/300/100, $500 deductible) for a like-for-like comparison. Most re-shoppers find 15–25% savings when switching after 3+ years with the same insurer.
Bundle auto + renters/homeowners with the same carrier
Progressive, State Farm, and Allstate all offer 10–15% multi-policy discounts when you bundle auto with home or renters insurance. If you rent, renters insurance is typically $15–20/mo — and the auto bundle discount often pays for it entirely.
Ask your current insurer to re-rate your policy
Before switching, call GEICO and ask for a loyalty discount or policy review. If you've had no claims in 3+ years and your driving record is clean, they typically have 10–12% loyalty discounts available but apply them only when customers ask.
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