Bills, bills, bills: They may be ever-present in our daily lives, but they don’t have to be stressful. Between rising costs of living and everything from groceries to gas becoming more expensive, you should know that you have some flexibility in negotiating a lenient, more consumer-friendly payment plan for some of your expenses. Many companies will work with you since they would rather you pay in smaller increments than pay nothing at all — you just need to know which companies and how to approach them. Before you hit “send payment,” take a moment to research and potentially negotiate these six common bills.