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30 Small Steps Everyone Can Take To Get Their Finances In Order

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Negotiate Your Subscriptions
Cable, internet, and gym subscriptions are competitive, meaning you can negotiate to lower your monthly payments. Just call up your providers and say you found a better deal with a different company, and they will work with you to give you better quote. 

The same goes for credit card APRs, student loans, and health insurance providers. At the very least, it's worth a try. If you're not great at negotiating, then you can get an app that does the leg work for you, like Truebill.