You can use this to your advantage with a bit of upfront wokr. I have a bunch of stuff I have maneuvered to expire around the same month each year (stuff like i

You can use this to your advantage with a bit of upfront wokr. I have a bunch of stuff I have maneuvered to expire around the same month each year (stuff like insurance etc). Each year, I pick a day just before expiry and do the call rounds and negotiate a better price. This is either by threatening to cancel, or insisting on being upgraded to new plans that only "new" customers are eligible for - there's always an angle. Worst case, most things you pay annually for in your personal life are a commodity with low switching costs, so its even practical to actually swap things like energy (cuz they are just retailers) every year to keep getting the best deal.