Free download billfixers

For Medical Bills

CoPatient, a service that focuses on medical bills, needs a copy of the bill in question—via mail, fax or upload. Next, the company analyzes it and sends you a report detailing how much it believes you should have been charged and the reasons for the overage, says Copatient CEO Tom Torre. At that point, you can negotiate for yourself or hire Copatient to do it for you, for 35 percent of whatever it saves you. On average, customers shave about 40 percent off their bills, for a savings of $3,000, the company says.

See also: Making the leap to Medicare

For Auto-Pay Subscriptions

Many of us have continued to auto pay for a service we've stopped using or forgotten we had. Trim (online at asktrim.com) and Truebill, both free services, scour your credit and debit card statements for recurring charges and ask you which of them you want to cancel. Those most canceled, according to Truebill CEO Yahya Mokhtarzada, include a number of credit-monitoring services, Stamps.com, Kindle Unlimited and Care.com.

Jean Chatzky is an AARP Financial Ambassador who writes for AARP the Magazine. Additional reporting by Hayden Fiel.