Margaret's Bill-Cutter Guide
10 bills that can shrink or stop after 65, and exactly how to ask.
Most of these bills will not change on their own. You have to ask. This guide gives you the phone script, the paperwork to have ready and the official source for every one.
Instant PDF. 60-day money-back guarantee. Figures as of October 2026.
Who it is for
Made for people turning 65, and for the family helping them
- You are turning 65, or already past it, and suspect you are paying more than you need to.
- You would rather make one clear phone call than search a dozen websites.
- You are helping a parent with their bills and want the right questions to ask.
- You like a printed page you can write on.
It is not for you if you want someone to make the calls for you, or personal financial advice. It is a guide, and you do the asking.
What is inside
Ten bills, each with a script
For each bill you get who can qualify, what you might save (only when an official source gives a number), exactly what to ask for, a short phone script, what to have ready, and the official source with the date we checked it.
- Start here: how to use the guide
- Your 10-bill checklist
- Bill 1: Medicare Part A premium
- Bill 2: Property tax, plus the state table
- Bill 3: The extra standard deduction
- Bill 4: The new senior deduction
- Bill 5: Do you still have to file a tax return?
- Bill 6: Medicare Part B premium
- Bill 7: Prescription drugs (Part D)
- Bill 8: Car insurance
- Bill 9: National park and federal recreation fees
- Bill 10: Phone, internet and energy bills
- My calls: tracker
- Free help you are entitled to
- 10 bills, one by oneWho can qualify, what you might save, what to ask for, and the official source with the date we checked it.
- Phone scriptsShort word-for-word scripts for each call, plus what to have ready before you dial.
- State property-tax tableOlder-homeowner breaks in the 10 most populous states, with each program's status marked verified or not.
- A calls trackerA printable page to log who you spoke to, what they said and your reference number.
Sample pages
See what you are getting
The proof
Every figure sourced and dated
Each number in the guide was read on an official website, and the date we checked it is printed next to it. A typical entry ends like this:
Where we could not confirm something on an official page, the guide says so. The state table has a status column that marks each program as verified or not, so you know what to double-check before you call. Limits go up and down, which is why every figure carries a date.
Our promise
If it is not useful, you get your money back
Try the guide for 60 days. If it did not help, email support@askmargaret.org and we will refund the full $12. Read the refund policy.
Questions
Is this from the government?
No. Ask Margaret is not part of or endorsed by Social Security, Medicare, CMS, the IRS or any government agency. We point you to the official sources and show you how to use them.
Is this financial or tax advice?
No. It is general education. Programs, limits and deadlines depend on your state, your income and your facts, and they change. For advice on your own situation, talk with a licensed professional.
How do I get it?
It is an instant PDF download. You get the link right after checkout and by email. Read it on a screen or print it.
Is there a printed copy?
A printed copy is coming soon. For now the guide is a PDF you can print at home.
What if it is not useful?
Email support@askmargaret.org within 60 days of buying for a full refund. See the refund policy.
Does it cover every state?
The property-tax table covers the 10 most populous states, and says plainly which items we verified. For other states, the guide shows how to find your own county's answer.
- 10 bills, with phone scripts
- State property-tax table
- Calls tracker to print
- Every figure sourced and dated
General education only, not financial, tax, legal or medical advice. Ask Margaret is not affiliated with or endorsed by the Social Security Administration, Medicare, CMS, the IRS or any government agency. Margaret is an AI presenter. Figures as of October 2026.