Never trust a call from your bank. Always call them back by dialing their official number. Always get hospital bills itemized. This will usually lower the price. Also, for internet shopping, if you find a discount code such as Save10, try Save30 and Save15 too. (You can also try test or test50). There is one last tip that works for me, but you may disagree. It is "Never lend money you cannot afford to lose."