10 Things You Should Always Haggle For

Late Fees

haggle1 Credit for this one goes to Ramit Sethi, author of "I Will Teach You To Be Rich." You can call your credit card company's customer service number and haggle your way out of paying a fee. We should also add that if you are consistently late, haggling your way out of a late fee probably won't work. If you've missed a payment, start off by saying that you understand you were late, but you'd like to have the fee waived. Explain it was a mistake and it won't happen again. If the rep is particularly tough and won't refund the fee, respond with, "I'm sorry, but I've been a customer for __ years and I'd hate for this one fee to drive me away from your service. What can you do to remove the late fee?" This will typically get you great results.

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haggle2 Your APR is your annual percentage rate, which is how much interest your credit card company charges you. The average APR rate is 14 percent.

Call your credit card company and ask them to lower your APR.

Tell them you've been paying the full amount on your bill for the past few months and you know there are quite a few credit cards offering better rates.

This typically has a 50 percent chance of working, but it's worth a shot!

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haggle3Cars dealerships are all about negotiation. Try and haggle the cost of the vehicle as a whole, and don't let pushy salespeople intimidate you.

Also, if you're purchasing a used car, look up the car's Blue Book value.

Get the car independently inspected by a trustworthy auto expert as well, and if there are any necessary repairs or issues that need taking care of, haggle the price  accordingly.

Related: Want Better Car Insurance Rates? Boost Your Credit Score

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Mortgage Rates

haggle4 The Federal Trade Commission advises consumers to shop around for mortgage rates, and negotiate to get the best one.

A good credit score will go a long way in helping you negotiate for a lower APR, and every person regardless of their score should discuss lowering/eliminating certain closing fees and processing charges.

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haggle5Did you know you can haggle how much rent you pay?

This tactic is especially fruitful when renewing your lease.

The landlord would much rather lease to you for a cheaper price then face having to get a new tenant, one who has not established the same relationship of trust as you have.

We should add that if you are consistently late with rent, your landlord will most likely be opposed to lowering your rent.

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Gym Memberships

haggle6According to TIME, a customer threatening to take their business to a different gym is enough to persuade a customer service rep into giving a deal.

Customers can also negotiate the elimination of registration costs or annual fees when beginning and renewing memberships.

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Cable/Phone/Internet Services

haggle8Consumers can play hardball with their cable, phone or Internet service providers by keeping track of what their competitors are charging new customers.

Tell them you are consider switching and ask them to match or beat the deal, and watch them sweat!

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Home and Yard Maintenace

haggle9 Home and yard maintenance are businesses that are almost solely handled by local, small business owners.

It doesn't hurt to try and ask for a lower price. Tell them you'd prefer to work with them but that you've been quoted a lower price by one of their competitors.

Also, offer to recommend them to other potential customers, such as friends and family.

Related: Going Green Could Help You Save Some Green

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haggle11 There are a few easy techniques to use when trying to get furniture for a discount. They all center around giving the salesperson a reason to give you a discount. Stephen Antsidel, a consultant with 20 years in the furniture biz, says that a customer who offers to take the floor model or is willing to wait for a special order or is purchasing multiple pieces as a package deal has good reason to ask for a discount. Paying in cash is also an incentive for a salesperson to knock the price down. Shopping at an independent showroom optimizes your chance of success, as national chains are less prone to making exceptions. Finally, if you're willing to live with blemished items, you could get up to 50% off or more  on items that are soiled, scratched, or  discontinued.

Related: Inexpensive Ways to Add More Value to Your Home

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Flea Market Finds

haggle12 This one is obvious: if you're at a garage sale or a flea market, never accept the price given to you by the seller.

One trick to scoring a good price is showing that you genuinely care about the items.

It's psychologically proven that people are willing to part with things for less if they think they're going to a good home.

Related: Shopping on Social Networks

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