I had to write this post after having a few encounters where it appeared like everyone wanted to overcharge me. From purchasing a dress that should have been discounted to being overcharged on my cable bill, I was paying more than my fair share.
I simply had to stand up for my money!
Don't take 'no' for an answer
If you have been overcharged for a purchase or service and are trying to rectify the situation, do not take "no" for an answer. Whether it is the monthly cable bill or a purchase at your favorite clothing store, it is essential to be persistent.
Attempt to resolve your issues with a customer service representative. However, if that does not work, ask for a manager. If you are still not satisfied, continue to speak with someone until your issue has been resolved. Remember, this is your money and no one deserves it more than you.
Review your charges
Many times, we simply write out checks or swipe our credit cards when we receive a bill. However, before paying for anything, understand what you are actually paying for.
This simple advice worked well recently when I questioned the charge for sales tax to services being provided. After the employee reviewed the bill, she realized the sales taxes were not applicable to the sale. But imagine the many others who came before me and paid more than necessary.
Dispute inaccurate charges
Sometimes, standing up for your money means discovering hidden charges that are not your responsibility and that can adversely affect your credit rating.
To find these mistakes, go to AnnualCreditReport.com and request a copy of your credit report from each of the three main credit reporting agencies. You can view one free report from each agency every 12 months.
Dispute charges that are inaccurate. If after disputing the charges you still are unsatisfied with the final outcome, you can include a statement in your credit file explaining your situation.
Remember: your choice, your future!