Look at your phone. Yes, that thing that you use to text, swipe right or left, scroll through Instagram or play Candy Crush. But it’s also a device from which you can make or receive calls and have actual conversations. And some of the conversations you could be having could be saving you loads of money.
Many consumers just accept their current rates, fees and plans, but a simple phone call could be a game changer. You’re already paying out more than you probably want to; imagine what you could be saving just by pushing a few buttons — figuratively and literally. Plus, it never hurts to ask, so what do you have to lose?
Call credit card company to waive late fees
Here are some other ways to reduce credit card debt. We'll just leave this right here.
Change your credit card to one with a lower rate
And while we're at it, these are the best cash back credit cards right now.
Find out if your cellphone provider is offering any new discounts
Don’t forget about your Internet service provider either
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Request a lower monthly rate from your cable company
Look into refinancing your mortgage rates
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Make changes to your insurance policies
Inquire about adding solar panels to your home
Find out if your gym’s member fee has changed
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