Copy · Paste · Economy

Templates that have moved millions.

Open the script. Fill the brackets. Send. The hardest part of optimizing your economy is starting the conversation — these are already started.

Mortgage

Negotiate a lower mortgage rate

Save 1,200 – 4,500 SEK / month

Hi [Bank],

I've been your customer for [X] years with a current mortgage rate of [Y]%.
I've received the following confirmed offers from competitors:

• [Competitor A] — [rate]%
• [Competitor B] — [rate]%

Before I begin the transfer process, I'd like to give you the opportunity
to match or beat the lowest rate. Please respond within 3 business days.

Best,
[Name]
Provider switch

Cancel & switch electricity provider

Save 2,400 – 9,000 SEK / year

Hi [Provider],

I'm formally cancelling my contract effective [date], in accordance with
the cancellation terms in my agreement.

Please confirm:
1. Cancellation date
2. Final reading and final bill
3. That no early-termination fees apply

Thank you,
[Name] — Customer #[number]
Insurance

Audit & cancel overlapping insurance

Reclaim 4,000 – 7,000 SEK / year

Hi [Insurer],

Please send me a complete breakdown of every active policy in my name,
including:

• Coverage type
• Annual premium
• Renewal date
• Cancellation window

I am reviewing for overlap with policies through my employer and union.

Best,
[Name]
Salary

Ask for a market-rate adjustment

+3 – 12% base salary

Hi [Manager],

I'd like to schedule 30 minutes to discuss my compensation. Over the past
[X] months I've delivered:

• [Outcome 1, with metric]
• [Outcome 2, with metric]
• [Outcome 3, with metric]

Market data for my role in [city] sits at [range]. I'd like to align my
base salary to [target]. Can we put time on the calendar this week?

Thanks,
[Name]