Negotiate Big Stuff

Everything is negotiable: rent, salary, insurance, medical bills, cable, phone plans. Most people never try because they assume prices are fixed. They're not. Landlords would rather keep a good tenant than find a new one.

Try this script: "I've been a loyal customer for [X years]. I've found a better offer at [competitor]. I'd like to stay, but I need you to match or beat this price." Companies spend far more acquiring new customers than keeping current ones, so they have budget to keep you. The worst they can say is no.