Just ask!

Note: This blog post appeared on my guest blogging column on GirlPowerHour.com. 

Smart, savvy professionals know that you have to ask in order to get what you want. Whether it’s in the boardroom, at a networking event, or in your personal life, nobody is going to read your mind and just give you what you’re hoping for.

So why are we so shy when it comes to asking for things related to money? I’m talking about discounts, sales, bargaining, and returns. It’s time to speak up. You work hard for every last dollar you make, so why would you be so lax about letting it slip out of your hands?

Here are five places you can save some cash just by asking:

Pick up the phone and get to work!

Your TV and Internet service: Cable and Internet eat up a big portion of a lot of people’s monthly utility budgets. Luckily, unless you’re in a long-term contract, you can call your cable or Internet provider and ask for a discount. Tell them your bill is too expensive, and ask if they have any current promotions that can be applied to your account. I’ve saved upwards of $100/month doing this. Note that most deals are for three, six, or 12 months, and then a higher rate will kick in automatically. To avoid the shock of a large bill after the end of the promotional period, set yourself a reminder in your Outlook calendar to call them back a month prior and ask for another new deal.

Credit cards: If you’ve been a long-time customer of a credit card company or bank and always pay your bill on time, call and ask if they can offer you a better interest rate. A lower interest rate will save you actual dollars every month as you chip away at that pesky balance you’re carrying. If they can’t lower your interest rate, they may be able to give you a balance transfer offer to help you consolidate your debt at a lower rate.

Medical bills: Americans fork out a lot of cash paying for out-of-pocket medical expenses each year. This may be especially true if you have a high-deductible health plan, or are self-employed. Do a little research online about the true cost of procedures you’re having done, and then ask your doctor or dentist if the rate can be lowered at all. Additionally, many smaller medical offices may offer a discount for paying with cash instead of a credit card.

Fitness membership: If you’re currently paying a month-to-month gym membership or forking out the drop-in fee at your favorite yoga studio, ask the manager if they can offer you a lower monthly rate if you agree to a contract. Of course, only agree to a contract if you’ll actually use the membership enough to make it worth it.

Retail stores: Many big-box stores offer weekly coupons via email or in the Sunday newspaper. But, if you lose interest somewhere between clipping coupons and actually remembering to use them in the store, just ask instead. Now that more coupons are online, stores are getting more flexible about the rules for using coupons. Just ask, “Do you have any coupons available that would work on my purchase?” If they’re not able to type in the discount code at the register, just whip out your smart phone and see if you can find a digital coupon online.

So, it’s time to be bold, be brave, speak up, and ask for great deals. Remember – companies love loyal customers, and if they help you find a great deal, you’re much more likely to return in the future, and tell your friends how great the experience was! 

Keeping it Simple

Although this blog is dedicated to money saving, budgeting, charitable giving, and the like, in the past I've snuck in a few posts about my day job -- copwriting. I did that mostly because I didn't have anywhere else to put that kind of information that I thought was really interesting.

However, I know that not everyone who reads this blog is on the edge of their seats waiting to hear about the exciting world of copywriting. So, I recently created a blog as part of my business website that offers more marketing/copywriting/business type content (as if I don't have enough social media channels to manage already).

So, keep coming back to Happily Ever Clever for all things personal finance, and if you want to read more about my business, please visit JenLyons.com.

I have a couple of new, fun Happily Ever Clever posts coming your way soon, so stay tuned!

Pushover, pushy, or somewhere in between?

This is the blog post I recently wrote for my monthly entry as a featured blogger on Girl Power Hour. In case you didn't read it on their site, here's my latest blog post! 

Picture this: you’ve just gotten home from grocery shopping. You’re unpacking your groceries and you notice that something you bought is way past its expiration date. Or, you’re looking over a receipt from happy hour last night, only to discover that you were overcharged. Maybe you’re checking out of the hotel at the end of a girls’ weekend, and at the front desk they try to charge you a different price than what you booked online.

What do you do? Do you ignore it, not wanting to make a scene? Or, do you point it out to the server, clerk, or manager?

Something similar happened to me last week. I was running late and trying to pull together a salad for my niece’s birthday party. I had gone to the store earlier that morning and bought all of the ingredients that I needed, including fresh basil. When I went to put the salad together, I discovered that not only was the basil past its prime – it was so moldy it was fuzzy!

I quickly threw together the other ingredients and swung back by the store on my way to the party. I calmly explained the situation to the woman at the customer service desk, and she was rude, condescending, and the words, “I’m sorry” never crossed her lips. Sigh. With no time to ask for a manager, I swapped out the basil and headed off to the party.

But, a few days later, I went on the store’s website and emailed the manager. I got a response this morning saying it had been elevated to someone higher up.

I don’t know exactly what I expect to come of this, but I do know one thing: I work hard for my money, and whether it’s $1, $10, or $100, I deserve quality products and respectful service.

So, next time you receive poor service, are overcharged, or find yourself with a sub-par product, speak up for yourself! Be calm, polite, straightforward, and assertive. Don’t be afraid to ask to speak for a supervisor. If you don’t receive the answer you’re looking for, simply take your business elsewhere in the future – money talks.

Expecting quality in exchange for your hard-earned dollars doesn’t make you a bitch; it makes you a savvy shopper.

My first blog post with GPH

A few weeks ago I announced that I'm now a featured blogger for Girl Power Hour, a local networking group.  My first blog post was published today. Check it out on the Girl Power Hour blog website here.

I also recommend following the RSS feed. The GPH blog has over 40 great female bloggers covering all kinds of topics from style to personal finance, and travel to exercise.

Thanks for reading!

Exciting Blogging News!

First, Happy Valentine's Day to all of you!

Second, I'm VERY excited about a new chapter in my life as a blogger. I've recently been selected by Girl Power Hour to be a featured blogger on their site!

Girl Power Hour is a local Seattle (and now San Francisco) women's networking group that brings together professionals from all over the city for monthly networking, cocktail-ing, and educational opportunities. I have been to some of their events over the last few years, and they really bring together some of the city's best movers and shakers (and, as a small business owner, networking is KEY)!

I'll be blogging over at Girl Power Hour on the same topics as I do here -- personal finance, saving money, charitable giving, etc. -- even with the same name!

But don't worry, I'll still be blogging here as well. I'm hopeful that blogging with GPH will bring some more readers to this blog, and connect my business ventures with more potential clients.

Stay tuned in the next couple weeks as my first blog with Girl Power Hour comes out!