New: 98,000+ skills indexed from GitHub repos with 100+ stars · every skill safety-checkedBrowse top skillsTop skills
Esc to closeBrowse all skills
Submit a skillBrowse skills
Submit a skillBrowse skills

Agent skill

Lower My Bill

by mohitagw15856 in mohitagw15856/pm-claude-skills

Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no.

MITAuto-check passed

Install Lower My Bill

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill lower-my-bill -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills lower-my-bill --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/lower-my-bill .claude/skills/lower-my-bill && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
lower-my-bill
GitHub stars
1.4k
Token cost
~1.6k tokens
SKILL.md length
935 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no.

  • Works in 6 steps: Lead with loyalty + a specific number.… → Name real leverage, not bluffs. A… → Get to the people who can actually… → …
  • Asked to lower my bill
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Ask Like the… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Lower My Bill is an agent skill from mohitagw15856/pm-claude-skills. Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no. Use when asked to lower my bill, negotiate my internet/phone bill, my provider raised my price, or how do I get a discount on [service]. Produces a call-or-chat script in your words, the specific leverage for your situation, a fallback ladder (discount → downgrade → cancel lever), and a note of what to write down so…

Its SKILL.md is about 1.6k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked to lower my bill
  • Negotiate my internet/phone bill
  • My provider raised my price
  • How do I get a discount on [service]

Example prompts

  • “/lower-my-bill”

Workflow steps

6 steps, taken from the first numbered list in SKILL.md.

  1. Lead with loyalty + a specific number. "I've been with you [X years] and my bill went from £[A] to £[B] — I'm looking to get it back down…
  2. Name real leverage, not bluffs. A genuine competitor quote ("[Rival] is offering me £[X] for the same speed") moves prices; an empty…
  3. Get to the people who can actually discount. Front-line agents often can't; the words "I'm thinking about cancelling" or "cancel my…
  4. Climb the ladder, don't fold. If the full discount is refused: ask for a smaller one → ask to move to a cheaper plan with the same core…
  5. Be genuinely willing to leave — or don't pretend to be. The lever only works if switching is real for you. If it isn't, negotiate on…
  6. Lock it in writing. Before you hang up: repeat the deal back, get a name and confirmation number, note the new price and how long it…

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Lower My Bill loads about 1.6k tokens when it runs. Until then it costs about 142 tokens; SKILL.md has 935 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~142
When it runs · the whole SKILL.md, loaded when a task matches
~1.6k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 935 words, ~1,596 tokens.

Download SKILL.mdSave it as .claude/skills/lower-my-bill/SKILL.md (or your agent's skills folder).
name
lower-my-bill
description
Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no. Use when asked to lower my bill, negotiate my internet/phone bill, my provider raised my price, or how do I get a discount on [service]. Produces a call-or-chat script in your words, the specific leverage for your situation, a fallback ladder (discount → downgrade → cancel lever), and a note of what to write down so the promised deal actually sticks.

Lower My Bill

Providers bank on you not calling. The loyal customer on the old plan quietly pays the "just renewed at full price" tax while new customers get the deal. This turns that around: a short, confident script you can read almost verbatim, the one or two pieces of leverage that actually shift the number for your situation, and a plan for the moment they say "that's the best I can do" — because the first no is rarely the last word.

It's not a scam or a threat. It's asking, with leverage, the way the pricing is designed to be asked.

What This Skill Produces

  • A ready-to-read script — an opener, the ask, and the exact lines to use, in plain language you'd actually say (call or chat)
  • Your specific leverage — the competitor offer, the loyalty length, the price jump, or the retention-desk path that fits your case
  • The fallback ladder — if full discount fails: partial discount → downgrade to a cheaper equivalent → the "cancel/transfer" lever (retention desk) → walk-away math
  • The make-it-stick note — what to write down (name, date, promised price, how long, confirmation number) so the deal doesn't evaporate next bill

Required Inputs

Ask for these if not provided:

  • What service & who — provider and type (internet / mobile / insurance / cable / gym / streaming)
  • What you pay now — current monthly/annual price, and what it was before any increase
  • What triggered this — price went up, promo ended, or you just want it lower
  • Your leverage, if any — a competitor's advertised price, how long you've been a customer, whether you can actually leave, bundle you're on
  • Your real bottom line — the price you'd be happy with, and whether you're willing to switch providers if they won't budge

Framework: Ask Like the Pricing Expects

  1. Lead with loyalty + a specific number. "I've been with you [X years] and my bill went from £[A] to £[B] — I'm looking to get it back down to around £[target]." Vague "can you help me save money" gets a vague no.
  2. Name real leverage, not bluffs. A genuine competitor quote ("[Rival] is offering me £[X] for the same speed") moves prices; an empty threat doesn't. If you have no competitor offer, loyalty + the size of the increase is your leverage — use that instead of inventing one.
  3. Get to the people who can actually discount. Front-line agents often can't; the words "I'm thinking about cancelling" or "cancel my service" route you to retention/loyalty, who can. That's a lever, not a decision — you don't have to go through with it.
  4. Climb the ladder, don't fold. If the full discount is refused: ask for a smaller one → ask to move to a cheaper plan with the same core service → invoke the cancel/transfer path → and know your walk-away number so "no" is a real choice, not a bluff.
  5. Be genuinely willing to leave — or don't pretend to be. The lever only works if switching is real for you. If it isn't, negotiate on loyalty and the increase alone; don't threaten a walk you won't take.
  6. Lock it in writing. Before you hang up: repeat the deal back, get a name and confirmation number, note the new price and how long it lasts, and set a reminder for when the promo ends (that's the next negotiation).

Output Format

Show full SKILL.md (388 more words)Show less
Lowering: [service] with [provider] · now £[B] → target £[target]

Your leverage this call: [competitor quote / loyalty length / size of increase / all three]

The script

  • Opener: "[loyalty + specific number ask]"
  • The ask: "[what you want, concretely]"
  • If they hesitate: "[the leverage line]"
  • The route to retention: "[the phrase that gets you there]"

Fallback ladder

  1. Full discount refused → "[ask for a partial]"
  2. Still no → "[downgrade to cheaper equivalent]"
  3. Still no → "[cancel/transfer lever]"
  4. Walk-away → switch makes sense below £[walk number] because [reason]

Write this down Agent name · date · promised price · how long it lasts · confirmation # · promo-end reminder date

One honest note: [e.g. "your 24-month loyalty is real leverage — lead with it" or "you have no competitor quote, so don't bluff one; the £[B−A] jump is your case"]

Quality Checks

  • The ask names a specific target number, not "some discount"
  • Leverage used is real to this person (no invented competitor quotes)
  • The retention/cancel step is framed as a lever, not an instruction to actually cancel
  • A fallback ladder exists — the plan survives the first "no"
  • A walk-away number is stated only if switching is genuinely an option for them
  • The "write it down" step is included so the deal sticks
  • Tone is confident and polite — never abusive to the agent (they didn't set the price)

Anti-Patterns

  • Bluffing a competitor offer that doesn't exist — it collapses the moment they call it.
  • Threatening to cancel when you won't — front-line agents hear it 50 times a day; an empty threat weakens you.
  • Taking the first agent's "no" as final — the discount often lives at a desk you haven't reached yet.
  • Being rude to the person on the line — they didn't raise your price and won't help someone who's abusive.
  • Winning a verbal deal and not recording it — no name, no number, no confirmation, and it quietly reverts.
  • Forgetting the promo end date — the "great deal" resets to full price and the cycle restarts.

Example Trigger Phrases

  • "My internet bill jumped from £35 to £52 — help me get it back down."
  • "How do I negotiate my phone bill? I've been with them six years."
  • "Write me a script to lower my insurance renewal."
  • "The gym keeps raising prices — what do I actually say to get a discount?"
  • "My cable promo ended and the bill doubled. Can you help me call and fix it?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/lower-my-bill of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Lower My Bill next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Lower My Bill compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Lower My Bill this skillmohitagw15856/pm-claude-skills1.4k—~1.6kAutomated safety check: PassMIT
Billing Automationwshobson/agents40k13 repos~473Automated safety check: PassMIT
Customer Billing Opsaffaan-m/ECC277k2 repos~1.1kAutomated safety check: PassMIT
Finance Billing Opsaffaan-m/ECC277k1 repos~958Automated safety check: PassMIT
PhoneBlockRunAI/ClawRouter6.6k—~2.4kAutomated safety check: PassMIT
cmux Billing Runbookmanaflow-ai/cmux28k—~2.8kAutomated safety check: PassCustom licence

Similar skills

  • Billing Automation

    wshobson/agents

    Covers building subscription billing: billing cycles, subscription states, invoice generation, proration, tax handling and dunning for failed payments.

    40k GitHub starsUsed in 13 repos~473 tokens
    Backend & APIsAuto-check passed

  • Customer Billing Ops

    affaan-m/ECC

    Operate customer billing workflows such as subscriptions, refunds, churn triage, billing-portal recovery, and plan analysis using connected billing tools like Stripe.

    277k GitHub starsUsed in 2 repos~1.1k tokens
    Backend & APIsAuto-check passed

  • Finance Billing Ops

    affaan-m/ECC

    Evidence-first revenue, pricing, refunds, team-billing, and billing-model truth workflow for ECC.

    277k GitHub starsUsed in 1 repo~958 tokens
    Auto-check passed

  • Phone

    BlockRunAI/ClawRouter

    Verify phone numbers (carrier + SIM-swap fraud signals) and place AI-powered outbound voice calls via BlockRun's gateway (Twilio + Bland.ai).

    6.6k GitHub stars~2.4k tokensUpdated 5 days ago
    Auto-check passed

  • cmux Billing Runbook

    manaflow-ai/cmux

    Runbook for the cmux billing code: Stripe Checkout, customer portal, subscription changes, webhooks and how Pro plan entitlement is resolved from Stack metadata.

    28k GitHub stars~2.8k tokensUpdated today
    Backend & APIsAuto-check passed

  • Insurance Brokerage Agency Billing Configure

    forcedotcom/sf-skills

    Configure end-to-end Agency Billing on a Salesforce FSC Insurance Brokerage org via dispatch MCP calls.

    1.1k GitHub stars~5.8k tokensUpdated yesterday
    Business, Finance & HRAuto-check passed

More from mohitagw15856/pm-claude-skills

All 1,348 skills in this repo

  • Car Tco

    mohitagw15856/pm-claude-skills

    Compare the total cost of car ownership across buy-new, buy-used, lease, and keep-your-current-car — depreciation, insurance, maintenance ramp, and fuel over a real horizon, not just the monthly…

    1.4k GitHub stars~1.1k tokensUpdated yesterday
    Auto-check passed

  • Cs Health Scorecard

    mohitagw15856/pm-claude-skills

    Build a customer health scorecard for a specific account. An agent skill from mohitagw15856/pm-claude-skills.

    1.4k GitHub stars~2.4k tokensUpdated yesterday
    Auto-check passed

  • Exit Waterfall

    mohitagw15856/pm-claude-skills

    Compute who gets what at each exit price from a cap table — liquidation preferences, conversion points, and where the founders' share collapses.

    1.4k GitHub stars~1.1k tokensUpdated yesterday
    Auto-check passed

  • Feature Prioritisation

    mohitagw15856/pm-claude-skills

    Apply prioritisation frameworks (RICE, MoSCoW, Kano, ICE, Opportunity Scoring) to rank features and backlog items.

    1.4k GitHub stars~2k tokensUpdated yesterday
    Auto-check passed

  • Fire Number

    mohitagw15856/pm-claude-skills

    Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

    1.4k GitHub stars~1.1k tokensUpdated yesterday
    Auto-check passed

  • Freelance Rate

    mohitagw15856/pm-claude-skills

    Derive a freelance day/hourly rate backwards from target income, honest billable utilization, overhead, and the self-employment tax premium — the arithmetic that proves a rate is not salary÷2000.

    1.4k GitHub stars~1.2k tokensUpdated yesterday
    Auto-check passed

Questions about Lower My Bill

What does Lower My Bill do?

Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no. Lower My Bill is an agent skill from mohitagw15856/pm-claude-skills. Negotiate a recurring bill down — internet, phone, insurance, cable, gym — with a ready-to-read script, the competitor leverage that actually moves the price, and exactly what to say when they say no.

When should I use Lower My Bill?

Lower My Bill fits situations like: asked to lower my bill; negotiate my internet/phone bill; my provider raised my price; how do I get a discount on [service].

How do I install Lower My Bill in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill lower-my-bill -a claude-code`. Or copy the skill folder (skills/lower-my-bill in mohitagw15856/pm-claude-skills) into .claude/skills/lower-my-bill in your project. Claude Code loads it when a task matches its description.

How do I install Lower My Bill in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill lower-my-bill -a codex`. Or copy the skill folder (skills/lower-my-bill in mohitagw15856/pm-claude-skills) into .agents/skills/lower-my-bill in your project. Codex loads it when a task matches its description.

Can I use Lower My Bill in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill lower-my-bill -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/lower-my-bill, .gemini/skills/lower-my-bill, .github/skills/lower-my-bill and .opencode/skills/lower-my-bill in your project.

What does Lower My Bill need to run?

SKILL.md names no scripts, command-line tools or credentials: Lower My Bill is instructions for the agent only.

Does Lower My Bill access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Lower My Bill safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Lower My Bill use?

Lower My Bill is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Lower My Bill use?

About 1.6k tokens (SKILL.md is roughly 6.4k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Lower My Bill?

Skills that share tags, products or a category with Lower My Bill: Billing Automation (wshobson/agents, 40k stars), Customer Billing Ops (affaan-m/ECC, 277k stars), Finance Billing Ops (affaan-m/ECC, 277k stars) and Phone (BlockRunAI/ClawRouter, 6.6k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Lower My Bill?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.