NEGOTIATION

Subject Line Options:

• Slash Your Bills NOW: Simple Negotiation Wins

• Want to Save Hundreds Each Month? Negotiations Start Here

• If You Don’t Ask, It’s an Automatic NO: The key to Negotiations

I’m thrilled to bring you another tool you can put into action right away. Today’s focus is on something powerful: NEGOTIATION.

For years, I thought the price on the bill was final. But almost everything is negotiable, and companies actually expect it. Businesses spend 5–25% more to acquire a new customer than to keep an existing one (Harvard Business Review). That means you hold the advantage as a loyal customer.

Here are five places you can start saving right now:

1. Cell Phone and Internet

Potential savings: $20–$60 per month
According to Consumer Reports, most providers offer hidden loyalty discounts if you ask. Try:

• “I’ve been a loyal customer for X years, can you review my plan?”

• “Are there current promotions I’m missing?”

• “A competitor is offering me a better deal, can you match it?”

2. Insurance Policies

Potential savings: $300–$800 per year
The Insurance Information Institute reports that bundling home and auto policies alone can cut costs by up to 16% annually. Ask:

• “Are there discounts I qualify for?”

• “Can we bundle my policies for more savings?”

• “Is there a lower-cost option that still protects me?”

3. Streaming and Cable

Potential savings: $10–$50 per month
A Deloitte survey found that nearly 47% of households forget about at least one paid subscription. Review yours, cancel what you don’t use, or ask for a retention discount.

4. Medical Bills

Potential savings: 10–40%
The American Hospital Association confirms many providers offer discounts for upfront or cash payments. Always ask:

• “Do you have a hardship rate or cash-pay discount?”

• “Would paying in full reduce my cost?”

5. In-Store Purchases

Electronics, clothing, even furniture can be negotiable. A National Retail Federation report shows two-thirds of retailers authorize managers to give discounts for small defects or customer requests.

The Right Way to Ask

Approach kindly but stay firm. Phrases that work:

• “What’s the best price you can offer?”

• “Is there a loyalty discount?”

• “Can you work with me on this?”

• “I’d love to stay with your company, but I need a better rate.”

• I’m considering another company, can we work something out since I’ve been a loyal customer?

• I’d like to speak with a manager. (repeat questions)

Track your conversations in a notebook: date, time, name of rep, and outcome. Set a reminder to re-check every six months.

This Week’s Challenge

Pick two bills and make the call. You may be surprised at how quickly you’ll start saving.

And here’s the bigger picture: small wins add up. Saving $50 here and $100 there can become thousands a year. Redirect that money toward paying down debt or building wealth.

Ready for Your Next Step?

If debt feels heavy, you don’t have to do this alone. At Fearlessly Debt Free, I help people pay off debt in half to a third of the time, and often for half to a third of the cost. No budgeting, no consolidation, no bankruptcy. Just strategy and math that works.

➡️ Schedule your free Debt-to-Wealth Discovery Call today at fearlesslydebtfree.com.

Live Fearlessly Debt Free. Live Big. Live Bold. Live Abundant.