Any recommendations for or against the Trim app?

Lately I've been hearing about the Trim app ( This app supposedly helps save you money by haggling on your bills, negotiating refunds, analyzing your spending and making recommendations, etc. As I understand it they charge $10/month and up to 30% of the money that you save as a result of their efforts.


I've read some good reviews of it. Wondering if any YNABers have tried it and what you think.

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  • This seems like a really good way to pay even more money than it costs to have YNAB to have results which are not as good as you'd have using YNAB. I vote no. 

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  • Is there ANY logical reason why you would not be able to haggle on bills, negotiate for refunds (using your phone and calling the provider) or analyze your spending (using YNAB) all by yourself?  Do the legwork and keep the $10 @month and 100% of negotiated fees/refunds!

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  • It seems that it could be worth using if you are disinclined to negotiate on your own behalf and there may be loopholes that you are unaware of (i.e. asking for credits due to internet outages, etc.).   If you don't pay for premium, it could be worth it.  Try your own negotiations and then you're out nothing if you do use the app.  

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