To Save Money Sometimes All You Have to do is Ask

//To Save Money Sometimes All You Have to do is Ask

To Save Money Sometimes All You Have to do is Ask

I have two annual bills that become payable each October, my Sirius satellite  radio and my American Express card.  Both of these bills are completely unnecessary.  I could easily go with out satellite radio, and while I really like my Amex card I am not willing to pay an annual fee for a credit card.  So every October I go through the exact same exercise upon the realization I have been charged, and it is pretty simple.

Sometimes You Just have to Ask To Save Money

Upon calling Sirius, all I had to do was simply, ask.  I called the customer service rep and said, “I’d like to save some money on the service.”  I went from a $180 per year to around $100.  Did I save a lot of money? No, but the phone call took about 35 seconds.

Other times You Have to Threaten to Cancel

I have discussed getting my American Express Gold Card Waived a few years back.  I am pretty sure they keep records, because in 2011 they waived the fee by just asking.  In 2012 and 2013 they gave me more points than what I would earn by spending $175.  This year, however, they made me go through the annoying exercise of threatening to cancel.  This is probably more of a learned skill then most give it credit for (if you have no intention of canceling of course).  This year AMEX gave me $150 of my $175 back.  Again, did I save a ton of money? No, but the phone call this time was 5 minutes.

 

What services do you do this for each year?

 

By | 2015-01-27T20:08:57+00:00 October 27th, 2014|Personal Finance|4 Comments

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Evan is the owner of My Journey to Millions which was started to track his journey from a broke debt ridden law school graduate to building a positive balance. Need more Evan? Follow him on Twitter, Contact him or get new posts directly to your email

4 Comments

  1. Investor Junkie @ Larry Ludwig October 27, 2014 at 10:47 am - Reply

    I’ve tried to cancel when they fried Anthony Cumia but gave me a sweet deal for the radio. Even though sat radio has a limited time before internet radio really takes over I like listening to the cable news and some of their channels. Though SIRUSXM is a shitty company overall and not a good investment.

    • Evan December 10, 2014 at 9:16 am - Reply

      Who didn’t own Sirius stock back in the day? I thought about canceling actually when they fired Cumia too, but didn’t put my mouth where my money was. I like Opie and Norton but they aren’t close to what they were

  2. Paul N October 28, 2014 at 12:07 am - Reply

    I have been a Sirius subscriber since 2006. I too at one point threatened to end my subscription. I got a better rate then you did. I call every year and go through the same motions and get the same result. I like the service much for the same reasons as the above commenter has stated. Sometimes it’s just more fun if someone else plays the music for you. I find Itunes is a big pain in the ass. I have better things to do then download the latest version of iTunes then take care that everything is checked to “manual” so nothing gets erased and forever be adding or deleting music on my phone. Sirius is a decent service. Unmatched IMO on a long trip across the country.

    • Evan December 10, 2014 at 9:17 am - Reply

      It makes you wonder how many people out there are paying full price, right?

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