It is a great idea to try to save money on interest payments and other routine payments.

There is a guy who owns a website/book called "I will teach you to be rich" (.com) who talks a lot about calling your service provider companies and asking them for lower rates.

In many cases, with credit cards, you can get the introductory rate again for future purchases, so if you are still using your credit cards then you can get a 0% offer for the next 12 months and things like that if you call.

You can also do the same with cell phone service providers, which is even more effective, to get another introductory offer will save you hundreds of dollars in most cases.

I thought this fit in!