Comments on: Day 1 Of 33 Days And 33 Ways To Save Money And Reduce Debt : Eliminate Fees http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/ Debt Reduction Rocks - We Are Living Debt Free! Fri, 21 Nov 2008 02:52:02 +0000 http://wordpress.org/?v=2.6.3 By: Eliminating Hidden Fees: 33 Ways to Reduce Debt http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-67872 Eliminating Hidden Fees: 33 Ways to Reduce Debt Mon, 31 Dec 2007 04:49:53 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-67872 [...] Smart Life attempts to follow NCN blog’s series to help improve my financial status and reduce debt in 33 [...] [...] Smart Life attempts to follow NCN blog’s series to help improve my financial status and reduce debt in 33 [...]

]]> By: No Credit Needed Podcast Episode 20 - Eliminate Fees Brand Loyalty Financial Planning : No Credit Needed Podcast http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-38085 No Credit Needed Podcast Episode 20 - Eliminate Fees Brand Loyalty Financial Planning : No Credit Needed Podcast Thu, 11 Oct 2007 22:19:58 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-38085 [...] Day 1 Of 33 Days And 33 Ways To Save Money And Reduce Debt : Eliminate Fees [...] [...] Day 1 Of 33 Days And 33 Ways To Save Money And Reduce Debt : Eliminate Fees [...]

]]> By: frugal mama http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-37673 frugal mama Tue, 09 Oct 2007 12:43:37 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-37673 Look into credit unions. They usually PAY interest on checking accounts no matter your balance, have better CD rates, and most rebate a portion of the ATM charges you incur (up to a certain dollar amount monthly.). Plus free online bill paying and free (plain ol' safety pattern) checks. Look into credit unions. They usually PAY interest on checking accounts no matter your balance, have better CD rates, and most rebate a portion of the ATM charges you incur (up to a certain dollar amount monthly.). Plus free online bill paying and free (plain ol’ safety pattern) checks.

]]> By: MikeVx http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30941 MikeVx Sun, 02 Sep 2007 16:32:30 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30941 I take a different approach to fee elimination. I don't eliminate the fee from a company, I eliminate the company. For years, long before I discovered the PF community on the net, my reaction to what I felt were unjustified fees was to locate another company that doesn't do that, and switch my business to them. I never bothered calling the companies on these because I figured if they were sleazy enough to charge these to begin with, they would try some other way to get "their" excess money back. I make the distinction between excess fees and getting rate reductions. I've done the rate reductions with my local HSI provider. I have a hard limit that I will not pass for cost of internet service, at one cent past the limit, I start making phone calls. So far I've been able to keep below my limit with my local cable company. The last time my rate had just gone up when they called to sell me phone service, I wound up getting transferred to retention and getting back below my limit for a year. They didn't sell me phone service as their promotional offer was more expensive and less functional than my present service. The regular rate must be terrifying. I take a different approach to fee elimination. I don’t eliminate the fee from a company, I eliminate the company. For years, long before I discovered the PF community on the net, my reaction to what I felt were unjustified fees was to locate another company that doesn’t do that, and switch my business to them. I never bothered calling the companies on these because I figured if they were sleazy enough to charge these to begin with, they would try some other way to get “their” excess money back.

I make the distinction between excess fees and getting rate reductions. I’ve done the rate reductions with my local HSI provider. I have a hard limit that I will not pass for cost of internet service, at one cent past the limit, I start making phone calls. So far I’ve been able to keep below my limit with my local cable company. The last time my rate had just gone up when they called to sell me phone service, I wound up getting transferred to retention and getting back below my limit for a year. They didn’t sell me phone service as their promotional offer was more expensive and less functional than my present service. The regular rate must be terrifying.

]]> By: mppaul http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30699 mppaul Fri, 31 Aug 2007 20:06:42 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30699 I reduced or better yet eliminated a late fee on my AMEX card that was continuing to be charged interest. I transferred a balance onto the AMEX at a fixed 2.995 for life back in 2005. Some time in Feb 2006 I was late with a payment and they charged me a late fee. Okay, I call explain I didn't realize my payment was late and understood the late fee and no change in my interest rate. Well, last night I am looking at the 2006 end of year summary and see this $35 fee. I call and ask if AMEX Blue Cash has a yearly fee, it does not and we discover it was a late fee from 2006. Ok but it should be removed because it is still being charged interest at 13.84% purchase rate...Anyway, the representative was super helpful and now I should have a credit for $42.60 and if it's not reflected on the next statemesnt she told to call back and they would take care it again. Very cool customer service...:-) I reduced or better yet eliminated a late fee on my AMEX card that was continuing to be charged interest. I transferred a balance onto the AMEX at a fixed 2.995 for life back in 2005. Some time in Feb 2006 I was late with a payment and they charged me a late fee. Okay, I call explain I didn’t realize my payment was late and understood the late fee and no change in my interest rate. Well, last night I am looking at the 2006 end of year summary and see this $35 fee. I call and ask if AMEX Blue Cash has a yearly fee, it does not and we discover it was a late fee from 2006. Ok but it should be removed because it is still being charged interest at 13.84% purchase rate…Anyway, the representative was super helpful and now I should have a credit for $42.60 and if it’s not reflected on the next statemesnt she told to call back and they would take care it again. Very cool customer service…:-)

]]> By: 33 Days And 33 Ways To Save Money And Reduce Debt http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30454 33 Days And 33 Ways To Save Money And Reduce Debt Thu, 30 Aug 2007 13:14:36 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30454 [...] Day 1 of 33 Days And 33 Ways To Save Money And Reduce Debt: Eliminate Fees [...] [...] Day 1 of 33 Days And 33 Ways To Save Money And Reduce Debt: Eliminate Fees [...]

]]> By: Sam http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30451 Sam Thu, 30 Aug 2007 11:57:28 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30451 We reduced our DirecTV monthly cost from $72 a month to $52 a month by simply calling them up and asking (I had a cable offer in hand to use as support for my request). That is a $240 savings over the course of a year with no change in services. We also consolidated our cell phones/home phone DSL into a 'bundle' and by doing our combined cell phone bills went from $100 a month to $50 a month (we now share a plan and minutes) that is a savings of $600 a month - again with no change in level of services. We reduced our DirecTV monthly cost from
$72 a month to $52 a month by simply calling
them up and asking (I had a cable offer in
hand to use as support for my request). That
is a $240 savings over the course of a year with
no change in services.

We also consolidated our cell phones/home phone
DSL into a ‘bundle’ and by doing our combined
cell phone bills went from $100 a month to $50
a month (we now share a plan and minutes) that
is a savings of $600 a month - again with no
change in level of services.

]]> By: My Money and Politics http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30293 My Money and Politics Wed, 29 Aug 2007 14:10:30 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30293 <strong>NCN's 33 Days and Ways to Reduce Debt: Eliminate F...</strong> I think the elimination of fees is one of the most satisfying ways to save. You have no ties to this money--it's just going into some corporate bank account somewhere.... NCN’s 33 Days and Ways to Reduce Debt: Eliminate F…

I think the elimination of fees is one of the most satisfying ways to save. You have no ties to this money–it’s just going into some corporate bank account somewhere….

]]> By: Ms. M&P http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30291 Ms. M&P Wed, 29 Aug 2007 14:03:31 +0000 http://www.ncnblog.com/2007/08/29/day-1-of-33-days-and-33-ways-to-save-money-and-reduce-debt-eliminate-fees/#comment-30291 I would add that you can call customer service at credit card companies and ask them to remove your annual fees (if you have any). I was able to do that a few days ago and it will save me about $60. I would add that you can call customer service at credit card companies and ask them to remove your annual fees (if you have any). I was able to do that a few days ago and it will save me about $60.

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