Most times, the price you see is the price you pay. But sometimes, all it takes is a phone call to get a better deal.

While some people have honed the art of negotiation, eager to bargain down the cost of a new car or streaming service, others are mortified at the very thought. But many consumers simply don’t realize that rent, medical visits and other bills are not as fixed as they might appear.

“You should always just ask. Most people just don’t think these things are possible or available, or it’s too scary,” said Jessica Chan, whose company Trim will negotiate your cellphone or internet bill for you if you’d rather not do it yourself. “Assume there are savings available. Don’t be afraid to ask. I think a lot of customers have emotional resistance to asking for discounts or going thro

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