With late fees, penalty interest rates and complex credit-scoring algorithms, it often feels like the world of personal finance is designed to be unfavorable to the consumer. As challenging as it may be to keep everything in order, there are plenty of things about your finances you can control, even when it seems like someone else is calling the shots.
If you're looking for ways to save money, start asking questions. Can you qualify for a credit card with better rewards than the one you have? Would a different cellphone carrier give you the same service for a lower price than what you're paying now? Researching alternatives is always a good idea if you want to change your expenses, but you may be surprised how much power you have in your existing relationships. Sometimes, all it takes is a phone call to save money.
Click ahead to learn more about four phone calls that could save you a bundle.