Great advice! I can attest to the tip about negotiating your bills. My advice would be to call your ISP or cable company and start there. It costs them a huge amount of money to build their network and very little to maintain it. For this reason, almost all of the money they receive from customers is pure profit once they have covered the cost of building and maintaining their infrastructure.
All of this means they are very highly motivated to keep you as a customer and will sometimes even offer customers discounts of up to 50% on your plan rather than risk losing them. However, you actually have to tell them you are wanting to cancel for a convincing reason, like you found a better deal elsewhere, before they are authorized to offer competitive discounts. In addition, you can't just start dragging their name through the gutter and start complaining about everything you don't like about them. You have to leave them with the impression that there is still a chance to keep you on as a happy customer.
I tried this a year ago after the promotional discount for my plan had ended and my monthly bill had gone up $20/month. I called and told them I would like to cancel because the other ISP in my area was a lot cheaper (even though they are WAY slower) and although I really enjoyed their faster download speeds, I just couldn't justify paying $100/mo. just to browse Facebook and answer emails occasionally. (Bonus tip: Let them know you are not fully utilizing your internet download speeds by telling them you only use simple internet apps. This makes you a very desirable customer to keep because your browsing habits cost them way less than, say, someone who is streaming 4k video all day.)
First, the customer service rep tried very hard to convince me that I would be unhappy with their competitor because, even though they are cheaper, their service is less reliable and often much slower than they advertise (hypocritical, I know).
But I stuck to my guns and told him that, though I understood my service might suffer a bit, I just couldn't justify $100/mo. So, he asked me to hold and transferred me to his supervisor (who is authorized to offer discounts to keep customers happy).
The first thing she said to me was she understood and appreciated my wanting to leave to save money and wanted to offer me a discount. She asked what their competitor was offering me and I told them $30/mo. for about 40 Mbps slower than my current plan. She again tried to convince me that I really wouldn't like their slower speeds and less reliable service and offered me a discount of $35/mo. if I agreed to stay.
I told her I thought that was a good deal and agreed to stay for that price (though I never really intended to leave in the first place). Now, I am saving $35/mo. on my internet bill and enjoying the same service I was paying $100/mo. for just by making a 15-minute phone call. That may not sound like much, but that adds up to $420/year, and after two years, that's a new computer or part of a down payment on a car. And that's just my internet bill.
Next, I'm going to call my credit card companies and try to negotiate my interest rate and monthly payments. I will let you know how that goes! ;)