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The Fixed-Income Bill Cutter24-page printable + fillable PDF

A bill organizer that never runs out of lines, in print you can read.

Every bill on one list, a page for each month, and a bill log you print again whenever it fills up. Then 9 bills worth one phone call a year, with the words to say on the call.

Secure checkout on WhopDownload straight after paying$12 once, no subscription

A filled-in month page from the kit (made-up example)
A month page from the kit, filled in with a made-up example.
  • 12month pages, undated
  • 9bills worth a call
  • 6lines of call script
  • 14.5point body text

Why we made it

Three complaints from bill organizer reviews, and the page that answers each.

We read the 1 to 3 star reviews of a best-selling paper bill organizer before building this. These three came up, word for word.

  • Review, 1 star

    “once you run out of lines thats it”

    In this kit: The bill log is one page you print again whenever it fills up. It also comes as its own one-page file.

  • Review, 2 stars

    “Just very basic.”

    In this kit: Past the bill pages: 9 bills worth a phone call, a six-line call script, call notes and a two-page fee check.

  • Review, 3 stars

    “Only thing I added was a calendar.”

    In this kit: 12 month pages, each with a date grid to circle the due days and a row for every bill.

From page 18, word for word

Pick a bill. See what to ask when you call.

These are the 9 bills in the kit, with the question it tells you to ask. The script on page 19 covers the rest of the call, from hello to the reference number.

What to ask

Cell phone

Plans change every year.

“Is there a cheaper plan for what I actually use? Do you have a plan for customers over 55 or 65?”

Some calls change nothing. The kit says so, and gives you a page to note each call either way.

Sample pages

10 real pages from the kit, before you pay.

23Filled-in exampleA made-up month, filled in, so you can see what goes where.
02Start hereSix steps in order, with the page number for each.
03Every bill you payMoney coming in, then every monthly bill: who to, how much, due day, how you pay, their phone.
05Bill calendar: JanuaryOne page per month. Circle the due days, tick each bill when it is paid.
17Bill logPrint it again whenever it fills up. Also in the download as its own one-page file.
189 bills worth a phone callWhat to ask about each one, with a box to tick when you have called.
19The call scriptSix things to say, word for word, from hello to the reference number.
20Call notesWho you spoke to, what they offered, when the offer ends.
21Fee checkBank and card fees to look for, and where to find them.
24Example call notesFive made-up calls: four changes and one with no change.

Tap a page to read it full size. Read 5 real pages free (PDF)

Contents

3 PDF files: the 24-page organizer, a one-page bill log, and a 17-page bonus guide.

Print the pages, or type straight into the boxes in a free PDF reader and save.

  • The organizer

    The Fixed-Income Bill Cutter

    Start here, every bill on one list, 12 month pages, the bill log, 9 bills worth a call, the call script, call notes, a two-page fee check and a filled-in example.

    24 pages

  • Reprint any time

    Bill log

    The log on its own, so a fresh sheet is quick to print.

    1 page

  • Bonus

    Monthly Budget Maintenance

    A guide to a monthly money check: income, spending by category, subscriptions, upcoming bills.

    17 pages

Print first: Start Here, the two bill-list pages and this month's page. That is 4 sheets. US Letter, and it prints on A4 with "fit to page".

Price

$12 once for all 3 files. Print the bill log as often as you like.

The Fixed-Income Bill Cutter

$12

24-page organizer, a one-page bill log and a 17-page bonus guide. PDF, printable and fillable. Any free PDF reader opens it.

Get the Bill Cutter$12

Secure checkout on WhopDownload straight after paying$12 once, no subscription

FAQ

Is this financial advice?

No. It is an organizer: lists, a calendar, a log, questions to ask and a call script. It does not tell you what to buy, sell or switch. For decisions about investments, insurance or benefits, speak to the provider or a qualified adviser.

How much will it save me?

We can't say, and nobody honestly can. It depends on your bills, your providers and where you live. Some calls end with a lower price and some change nothing. The kit gives you the list, the words to use and a page to record what happened.

How large is the print?

Body text is 14.5 point and the month names are 40 point. Writing lines are about half an inch apart, so there is room for handwriting.

Can I type into it instead of printing?

Yes. Open the main PDF in a free PDF reader such as Adobe Acrobat Reader, click any line or tick box, type, and save. Or print the pages and write by hand.

Does it work outside the US?

Yes. It is written US-first (Social Security, 401(k), IRA), and the amount columns have no currency sign, so pounds work too. Where the UK name differs, the pages say so: State Pension, social tariffs, and the ongoing charge on funds.

What do I need?

A printer, or a computer, tablet or phone with a free PDF reader. The pages are US Letter and print on A4 with "fit to page".

What if it isn't right for me?

Message us through Whop (it's in your purchase receipt) and tell us what happened. Every file is listed on this page, and you can read real sample pages before you buy.

Every bill on one list, and a log that never runs out. $12 once.

The Fixed-Income Bill Cutter: 24 large-print pages, printable and fillable.

Get the Bill Cutter$12

Secure checkout on WhopDownload straight after paying$12 once, no subscription