 That's right, artificial intelligence is stepping up its game in personal finance and this time it's playing hardball with your bills. These savvy AI bots are designed to haggle, charm and negotiate better rates for your utilities. They tirelessly work around the clock, so while you're sleeping, they're negotiating. And it goes beyond just bills, they also manage your subscriptions, keeping track of every dollar you spend on your Netflix, Spotify or that gym membership you swore you'd use more. These AI bots ensure you never overpay for what you get and if there's a better deal out there, they'll find it. So let the bots do the hard work. With AI, you can rest assured that you're not overpaying for your bills and subscriptions. A good credit score can open up many financial opportunities.