7 ways to save on everyday expenses

Mike O'Brien always asks for a discount.

• Create a budget (and stick to it)

Mike O'Brien

Age: 36

I am amazed at the frequency with which I can get a discount by simply asking -- at least 50% of the time I get some savings. I went to a big-box retail store and bought a TV. Since it was a pretty big purchase I figured why not ask? The manager came over and agreed to knock off 10% and throw in some cables. Just by asking I saved about $120.

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