Generate a full detail guide on how to negotiate your recurring monthly bills. The guide must be a tactical playbook. It should include: 1. A list of bills that are most often negotiable (e.g., cable, internet, cell phone, insurance). 2. A step-by-step guide on how to prepare for the call, including researching competitor offers. 3. A detailed script with key phrases to use when speaking with a customer service representative. 4. Tips on how to be polite but firm to get the best result. Please include a supportive disclaimer.