Put your negotiation skills to work if you want to save hundreds every month. It might feel awkward, but a quick phone call can lead to serious savings on things like insurance, subscriptions, and even medical expenses. Start by listing your monthly expenses — like home and auto insurance, internet and phone bills, gym memberships, and any out-of-pocket medical costs. Then, research what similar services are going for and grab screenshots of better deals (which will pop up more with Black Friday around the corner). Then, pick up the phone. You might say, “I really value your service, but I’ve found a competitor offering the same thing for $25 less a month. It’s important for my budget to save, and I’d love to stay with you.” With a little preparation, you can negotiate a deal that works for you — and maybe even score extra perks.