Alright all, each year I throw an annual let’s save a dollar day. What I do is jump on the phone and call all my expense providers and ask for a discount. TBH I’m pretty blunt...it’s goes down the line of “X has offered me a better offer so give me a better rate/discount or I’m leaving”. I started with the easy pickings on my home loan and got a .10bps discount which works out to be a nice $40 a month. Next I called my private health care provider and whilst they couldn’t give me a monthly discount they waived a month which on my couples PH is $275. I planned on calling a few more today but something came up and I didn’t get a chance. I’ll get back onto it tomorrow. Still that’s a handy $755 annual tax free saving to kick it off. I want everyone to do the same and repot back with the results. What worked and what didn’t? And Ofcourse which provider you got the discount from.