5 things you didn't realize you could ask for that can save you lots of money via CNBCMakeIt
div > div.group > p:first-child"> Whether it's earning more money at work, getting a pesky bank fee waived or lowering your bills, often the only thing standing between you and saving money is asking for what you want.Just 37% of workers have asked for a raise, according to a 2018 survey of over 160,000 people by career site PayScale. But 70% of those who did ask for more money got it, while just one in three people reported receiving a raise without asking for one.
Your preparation should also include knowing comparable salary ranges in your company and the broader field, bestselling author and CNBC contributor Suzy Welch told CNBC Make It. And if you need a raise because of external pressures — say, to save for your kid's school — leave that out of the conversation.
This year, credit card companies can charge you up to $27 for your first late fee, and up to $38 for additional late payments within a six month period, according to the guidelines set by the 2009 Credit Card Accountability Responsibility and Disclosure Act. That includes closing costs, which total around $3,700 on average, Zillow reports. You can also ask for more unexpected things like furniture or appliances, Olsen says. She uses bar stools as an example: If you see that they go perfectly with the kitchen, your offer to buy can be contingent on keeping them.
More than eight in 10 people who called their issuer and asked for a lower interest rate on their credit card were approved, a CompareCards survey revealed. But just over 20% of people said they've asked.If you have a balance of $5,000 on a card with a 24% APR and pay $250 per month, it'll take 26 months to pay it off and you'll pay about $1,450 in interest.
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