Comments on: Bargaining to Advantage: Lowering your Bills in a Recession http://moneyning.com/money-tips/bargaining-to-advantage-lowering-your-bills-in-a-recession/ A personal finance blog where we share insights on carefully saving money, investing, early retirement, mortgages, stocks because the little things matter in achieving financial freedom! Sat, 21 Nov 2009 02:16:11 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: CD Rates Blog http://moneyning.com/money-tips/bargaining-to-advantage-lowering-your-bills-in-a-recession/comment-page-1/#comment-12546 CD Rates Blog Fri, 19 Dec 2008 15:18:07 +0000 http://moneyning.com/?p=1898#comment-12546 Also ask for lower rates on loans. We had a rate of about 6.25% on a car loan, and they lowered it to around 5.50%. Sadly, they wouldn't reamoratize to lower the payment, but over the long run it will save me money. If you have good credit you can also shop around. Once you have a better offer, your current lender may match. This seems to be much harder with home loans of course, because they always want to get you with more doc fees and such. But I heard 30yr fixed mortgages were below 5%. For many, this will be a great opportunity to refinance. Just watch the extra fees. cd :O) Also ask for lower rates on loans. We had a rate of about 6.25% on a car loan, and they lowered it to around 5.50%. Sadly, they wouldn’t reamoratize to lower the payment, but over the long run it will save me money.

If you have good credit you can also shop around. Once you have a better offer, your current lender may match.

This seems to be much harder with home loans of course, because they always want to get you with more doc fees and such. But I heard 30yr fixed mortgages were below 5%. For many, this will be a great opportunity to refinance. Just watch the extra fees.

cd :O)

]]> By: Steve http://moneyning.com/money-tips/bargaining-to-advantage-lowering-your-bills-in-a-recession/comment-page-1/#comment-12538 Steve Thu, 18 Dec 2008 21:04:30 +0000 http://moneyning.com/?p=1898#comment-12538 This was a very helpful post. I know I have lowered my bills during this recession by being careful on how much energy I use. I also have tried to stay committed to my exercise program to keep stress low. There is a very cool post on http://www.fitandwealthyblog.com that discusses personal finance and physical health. Something to check out. This was a very helpful post. I know I have lowered my bills during this recession by being careful on how much energy I use. I also have tried to stay committed to my exercise program to keep stress low. There is a very cool post on http://www.fitandwealthyblog.com that discusses personal finance and physical health. Something to check out.

]]> By: Dylan http://moneyning.com/money-tips/bargaining-to-advantage-lowering-your-bills-in-a-recession/comment-page-1/#comment-12537 Dylan Thu, 18 Dec 2008 20:37:08 +0000 http://moneyning.com/?p=1898#comment-12537 Thanks for the great suggestions on how to save in this tough economy. I wanted to write a follow-up post that buttressed the discussion of cutting wireless expenses. A major method that thousands of wireless subscribers are using to combat unnecessary charges is to have their cell bills analyzed through the website http://www.fixmycellbill.com by a company called Validas. You can find out for free if you're one of the eight in ten wireless customers paying more than you need to. I was able to save around $230 annually off my cell bill using Validas which impressed me so much that I joined the company when the opportunity arose. Validas is rapidly gaining a reputation as the preeminent advocate for the wireless customer. Check out a feature about Validas on The Big Idea with CNBC's Donny Deutsch at http://www.cnbc.com/id/22782456/. To give a brief rundown of how it works, Validas analyzes your uploaded online cell bill to determine how much money you could be saving. Up to this point everything is free. If you choose, Validas provides a highly detailed and personalized cell bill adjustment report that, for five bucks, is emailed to your wireless provider in industry specific format so you can actually implement Validas's cash saving changes to your plan. If Validas can save you more than $5 on your bill (the average customer currently saves $482 annually through Validas), this obviously provides a cost effective remedy for reducing cellular expenses. Good luck to everyone on effectively lowering their bills. Dylan Thanks for the great suggestions on how to save in this tough economy. I wanted to write a follow-up post that buttressed the discussion of cutting wireless expenses. A major method that thousands of wireless subscribers are using to combat unnecessary charges is to have their cell bills analyzed through the website http://www.fixmycellbill.com by a company called Validas. You can find out for free if you’re one of the eight in ten wireless customers paying more than you need to.

I was able to save around $230 annually off my cell bill using Validas which impressed me so much that I joined the company when the opportunity arose. Validas is rapidly gaining a reputation as the preeminent advocate for the wireless customer. Check out a feature about Validas on The Big Idea with CNBC’s Donny Deutsch at http://www.cnbc.com/id/22782456/.

To give a brief rundown of how it works, Validas analyzes your uploaded online cell bill to determine how much money you could be saving. Up to this point everything is free. If you choose, Validas provides a highly detailed and personalized cell bill adjustment report that, for five bucks, is emailed to your wireless provider in industry specific format so you can actually implement Validas’s cash saving changes to your plan. If Validas can save you more than $5 on your bill (the average customer currently saves $482 annually through Validas), this obviously provides a cost effective remedy for reducing cellular expenses.

Good luck to everyone on effectively lowering their bills.

Dylan

]]> By: TStrump http://moneyning.com/money-tips/bargaining-to-advantage-lowering-your-bills-in-a-recession/comment-page-1/#comment-12536 TStrump Thu, 18 Dec 2008 20:33:12 +0000 http://moneyning.com/?p=1898#comment-12536 Bargaining can even work in retail stores. My roommate just recently scored LEVI 501's for $33 CDN - he just said to the manager that they were cheaper somewhere else and they matched the price ... without really checking. Bargaining can even work in retail stores.
My roommate just recently scored LEVI 501’s for $33 CDN – he just said to the manager that they were cheaper somewhere else and they matched the price … without really checking.

]]>