You’re probably thinking there’s no way just being confident is going to reduce my bills…and you would be correct. 

You’ll have to take action steps with this confident attitude, which I’m going to share with you today.

So, let’s start here.

What is confidence?

confidence – a feeling of self-assurance arising from one’s appreciation of one’s own abilities or qualities

Why do you need confidence when trying to lower your expenses?

Well, number 1, we have to actually ask. If you won’t ask, guess what? It’ll never happen. So, just ask.

Number 2, if you don’t believe your bill should be lower, neither will the person you’re talking to.

So, how can you lower your bills with confidence?

Here are a few options.

Ask for a lower interest rate on your credit card

Look, creditors want their money back. If you’ve been a good customer, paid on time, and not missed your payment, the likelihood that they’ll say yes is high. 

Just call your credit card company up, ask them if you qualify for a lower rate. If they won’t give you a lower rate, shop for a zero interest balance transfer card. You can transfer your balance to one with no interest charge for up to 18 months. This will save you tons of money.

Ask for lower payments on your (student) loans

Call your student loan originator and ask to lower your payments based on need. They usually will do income-based payments so that they get paid. They would rather get paid something than nothing. It will take you longer to pay off if you lower payments, FYI.

Ask if you can pay it off in full for a big discount

This is most useful for medical bills. Let’s say you had to be hospitalized or had a baby and have a chunk of money to pay back. If you were to have the cash readily available, you can call and ask for a 30-50% discount to pay in full today. They won’t always do it or may come back at you with a smaller discount. It will save you money in the long run!

Ask for a downgrade on monthly utilities

Cable is the first one that comes to mind here. Cut that cable bill down. I usually call when I notice mine has crept up and ask what kind of promos they have to offer me for a lower rate. Sometimes it’s cheaper to get a package than it is to just get one thing, like internet.

Another area you can downgrade is your cell phone bill. With all the competition these days, it’s easy to find the best deal. If your current carrier won’t lower your payment, then go to another carrier with a better deal.

I don’t want to leave this last one out, but you will have to check what’s available in your area. Here in Tennessee, the electric company offers a payment plan so that in hot summers and cold winters you don’t get hit with an outlandish bill you weren’t prepared for. So, you will pay a little more in the spring and fall that you use but it keeps you from having to pay double or triple in the extreme temps.

 

If you want more information on how to pay less each month and make more money, check out my latest podcast episode here: https://anchor.fm/s/4f47758/podcast/rss

 

Go out there and change your money story!

 

*Disclaimer: This information should not be used in the place of speaking directly with a professional. These are my opinions and are not to be taken as advice without consulting a professional about your specific situation.

I talk a lot about empowerment.

The reason is that I used to be/play a victim of my circumstances. I let a chain of events that happened determine my worth and my meaning.

I don’t want you to go through the same thing.

I want you to be able to take control of your life and do, or be, what you can to change what you don’t like about it.

What can you control to make your life more like you want it?

I bring it up today because I have been going through this exact thing and I didn’t even realize it. I was blaming and feeling powerless. I finally realized the reason I was feeling this way was that I was handing my power over rather than taking ownership of my emotions and feelings.

The truth is, no one can hurt you without your permission. They can’t make you feel a certain way unless you allow it.

If someone does something that hurts your feelings, it sucks. Yep, it was sh*#ty. Yep, they shouldn’t have done that. But you get to choose how you react and how it affects you.

Are you going to let it bring you down to be Negative Nancy or Debbie Downer (womp womp), OR are you going to hear it, process it, and let it go?

You know your truth and who you are inside. Take back your power. You own you.

If something bad happens, it’s okay to feel those feelings but, then, you have to pick yourself up and be gangsta.

You HAVE to move forward. You have big dreams and great things to do. Do NOT let someone else’s stuff hold you back. Not only could you be hurting yourself but you could be holding back something that could help other people out. That’s something to think on.

*If you are struggling with confidence and staying positive, check out this Ultimate Positivity Resource Library here -> tinyurl.com/positivitylibrary*

 

 

For us introverts, it’s so much easier to NOT say what’s bothering us. We would rather deal with the annoyance/hurt/betrayal than speak it, for fear that we might upset the delicate balance of what we call our lives.

Maybe this isn’t an introvert thing. Maybe this is a highly-sensitive thing. Or maybe it’s just a people-pleasing thing. I don’t know.

All I know is that I kept my mouth shut for way too long because I didn’t realize that my feelings, opinions, and thoughts were worthy of being spoken out loud. I’m so glad I finally started speaking up for myself. I will no longer be a victim of circumstance and you shouldn’t either. 

Avoiding confrontation so meekly comes across as…passive-aggressive because we become resentful. Ugh. Gross. 

So, you don’t want to have difficult talks? Who does? I had to finally realize that no one actually enjoys this. People have these talks so that they can communicate in an effective way. 

Communication is everything. Here are some ways you can better express yourself if you are struggling with this.

  1. Be honest by saying what you are feeling inside. Believe it or not, this can actually make things better where holding it in can make them worse. Don’t feel valued by your significant other? Tell him. How else is he supposed to know what you need? We all have different love languages. He needs to know yours so that he can love you the way you need to be loved. 
  2. Ask. What you think is going on may actually not be going on. You have possibly made this entire scenario up in your head. (This is where anxiety comes in to play.) 
  3. If you have a different opinion/idea, say it. If you are in a meeting and have an amazing idea in your head, share it! You never know it may be just the perfect thing…or not, but you’ll never know if you don’t speak up.

Just a couple more words of wisdom:

  •  You can’t be upset if someone doesn’t do what you want if you don’t tell them what you want. No one is a mind reader!
  • People know you are upset, even if you don’t tell them. You aren’t hiding that and sometimes it comes off worse than if you had just come out and said what you are upset about. 

So I leave you with this, what you have to say, all those thoughts in your head, are important. They need to be said. They need to be heard. Don’t be afraid to share your wisdom. You never know who you could be helping out. 

 

*If you are struggling with confidence and staying positive, check out this Ultimate Positivity Resource Library here -> tinyurl.com/positivitylibrary*