SPOKANE, Wash. — Saving money sometimes starts with a single phone call. Financial experts say several common household bills are negotiable — and this summer could be the right time to ask.
“It’s always worth asking if you can get a better deal. For many of us, it’s just about getting over the anxiety of asking. And if you do it in an approachable way, there’s a good chance you’ll end up saving some money,” said Derek Deis, reporting for Money Saving Monday.
Internet service: Numerica financial engagement manager Jon Maroni says the best time to renegotiate is when your contract is up for renewal — and to speak with an actual person. “If you’re willing to be kind, be gracious and emphasize how you’ve been a good customer, negotiating the home internet bill is definitely a possibility,” he said.
Medical bills: Request an itemized list of charges and compare it to your insurance explanation of benefits. “If those things line up, then ask, ‘Hey, I’m in a tight financial situation, is there anything you can do to help?’ And often, there is,” Maroni said.
Car insurance: Get competing quotes, then bring them to your current provider. “Going to your current provider and saying, ‘Hey, I found a better deal elsewhere. Would you be able to match this?’ If they can, wonderful. If they can’t, you can move to that other provider,” Maroni said.
Rent: Landlords have a financial incentive to keep good tenants. “Be gracious, but say, ‘Hey, this is the financial situation we’re dealing with. Would you be able to work with us a little bit?'” Maroni said.
College financial aid: With enrollment declining at many colleges, families can negotiate aid packages. Contact the financial aid office directly — and if your financial situation has changed since filing the FAFSA, let the college know. “Be honest and say, ‘Hey, is there anything that you can do to help us with the finances?'” Maroni said.
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