The term 'LOW BILLS' can be broken down into two crossword solutions: 'ONES' (4 letters) and 'LOW' (3 letters). This phrase is often used to describe a situation in which one's expenses are minimal, meaning that the bills they have to pay are relatively LOW. This could be due to a variety of factors, such as having a LOW income, living in an area with LOW cost of living, or simply being frugal with their spending.