Service · Three
A patient sixty-month sweep of every household bill that has crept up while you weren't watching.
TNB rebates the over-65s rarely realise they qualify for. Astro packs that doubled when the promotion ended. Telco plans charging RM 80 for unlimited calls when there's a warga-emas plan at RM 35. We find each one, in order.
Where the savings tend to be
Five places we usually trim 18% off a household's monthly outgoings
- TNB senior rebate — citizens aged 60+ on a single residential meter often qualify for a tariff adjustment they were never asked to apply for. We file the application and confirm enrolment.
- Astro & pay-TV packs — a single phone call from our office, with you on speaker, typically returns 25–40% in monthly savings or a downgrade to a senior bundle.
- Telco "warga emas" plans — Maxis, Celcom, U Mobile and Digi all offer over-60 plans at a fraction of consumer pricing. We move you on to the right one with your number intact.
- Insurance auto-renewals — endowments, motor and health policies bundled by your old branch banker. We audit, identify, and stop the ones with no real value left.
- Credit-card annual fees — three letters, two phone calls, one written waiver request. Most issuers waive the fee on request for retirees who carry no outstanding balance.
How a sweep works
Bring us the brown envelope. We'll do the rest.
Most households we work with start the same way: one cardboard box of utility bills, telco statements and credit-card slips going back five years. We sort, scan, and turn it into a single shared spreadsheet.
Week one · Inventory and benchmarking
Every recurring payment is plotted against the published rate for your demographic. We flag every line where the gap exceeds RM 5 a month — the threshold below which negotiation rarely pays the postage.
Week two · The calls
You sit in our suite or stay on a WhatsApp call. We dial the merchant, you authorise us to speak, and we negotiate. Calls average eighteen minutes; most save more than the call's worth.
Week three · The audit report
A one-page summary of every change made, the new monthly savings, and an annualised total. The original bundle is returned in a labelled folder — yours, not ours.
One-third of the first twelve months of confirmed savings, capped at RM 480. If we save you nothing, you owe nothing.
What clients tend to ask first
No, and that's deliberate. You authorise us at the start of each call, the merchant verifies you, and then we do the speaking. It keeps the audit trail honest.
Those are often the easiest wins. The base tariff has dropped significantly in five years; the auto-renewal clause keeps you on the original rate. We migrate you to the current plan, often the same evening.
Yes — and the conversation runs in the opposite direction. We help you propose a payment plan, request a hardship discount, and document everything so the next time the agent rings you have a written reference.
Yes. Government-set tariffs (Indah Water headline rates), regulated medical insurance premiums, and PTPTN-administered education loans are not negotiable. We will say so on the first call rather than charge for hopeful effort.
Shall we look in the brown envelope together?
Forty-five minutes, a kettle, and your last six months of statements. That is usually enough to know.
Book the discovery call