Wi-Fi has become more or less essential at home—but providers know that too, which is why it seems rates keep going up. "It's worth calling [your provider] to threaten to leave or reduce service" if your monthly fee doesn't come down, says Pamela Capalad, a certified financial planner and founder of Brunch & Budget, told Insider. "You will be sent to a special customer-retention department where they have the ability to offer you 'new customer' deals even though you're an existing customer.
If you find yourself owing a huge amount after visiting the emergency room, you don't have to take your bill at face value. "My top piece of advice would be to get an itemized copy," says Sarah Kliff, a senior policy correspondent at Vox where she focuses on the Republicans' efforts to repeal the Affordable Care Act. "That way you can get a better understanding of what you're being billed for—and look for possible mistakes and errors that you can ask to be reversed. " In a recent Vox explainer, she outlined further tips to get a medical bill reversed.
Plus, if you're a member of a travel rewards program and use a card that comes with a high annual fee, Rathner adds that it's sometimes possible to get the points without the added pain. "For cards that begin to charge an annual fee in the second year, you may be able to get an extra year fee-free, if you mention you plan to cancel the card.
Negotiation in all likelihood won't be a quick fix, but it could help you reduce what you owe: "If you’ve used your card responsibly and have a history of making on-time payments toward your credit card debt, see if your credit card issuer would be willing to lower your interest rate," says Sara Rathner, a credit cards expert at NerdWallet.
But between special "friends and family deals," coupons for customers on the store's email list, and covert presales, there's always a way to save. "Ask for at least 10 percent off at a big box store whenever you shop there," says Teig Stanley, a financial planner at Financial Finesse told Insider. "It'll take a few more minutes because a manager has to approve, but this approach never fails me and sometimes leads to even bigger discounts.
How to save hundreds on rent, medical bills, and gym memberships 🙏 https://t.co/N1ftHiuli1— Glamour (@glamourmag) June 7, 2019