You've probably heard that you can get things like your cable, phone, and other bills discounted with a simple phone call. When that doesn't work, though, weblog Free From Broke recommends asking for a one-time credit.


Sometimes, your cable or cellphone carrier just won't give you a discount on your monthly rate. Often, you can call back later and ask a different representative, but if you aren't getting anywhere, this trick can be your Plan B:

I always suggest calling these carriers once every six months and seeing if they'll cut you a better deal, but the one-time credit is my secret weapon. Often, representatives will be reluctant to shave money off your bill each month, but they'll be happy to give you a credit of $50 or even $100. Calculate it out over the course of six months or a year and it's roughly the same amount of savings. Plus, you can call back in six months and ask again.


They also recommend asking about plans that aren't listed on the web site, such as "loyalty" plans, or—if you go over your minutes or data—asking them to forgive the charges that one time. Even if you can't get a regular discount, you may be able to save a little money by asking the right question.

Four Simple Ways to Cut Household Expenses | Free From Broke via Wise Bread