Dial for Dollars and Save a Bundle

Human resources department: Most people don't take advantage of all the savings their company offers, especially if you work for a large company. They may have arranged discounts with numerous local companies, may be willing to pay for education and many other deals. Call and ask for a list of offers and begin taking advantage of those that help you save money.

Cable TV: Cable TV companies seem to constantly offer introductory deals. If you are willing to say you will switch to the competition, you can often get rates adjusted to these special deals for three to six months. Simply find a competitor's offer, call your cable or satellite TV company, let them know you are thinking about making a switch and you may see your rates drop dramatically.

Gym: While there are a lot of ways to save money by choosing alternatives to a gym, there are some people who find it's the best place to get exercise. If you do have a gym membership, you were probably lured by a special discounted offer that has long ago disappeared. You can use the same strategy as with cable TV by calling up and letting your gym know that you have a special offer from a competitor and are considering making a move. This should be enough to get the gym to lower your current payment.

Phone service: Competition among phone companies is as fierce as in any industry. While phone companies don't usually match competing offers like cable TV companies and gyms do, they usually find a plan that yields significant discounts.

Internet: Internet service is yet another place you can use competition and the threat of leaving to get a better price. It's also worth asking whether bundling several services such as cable TV, Internet and phone makes sense. Sometimes doing so will give you a greater discount than paying for each separately.

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