Most people believe their monthly payments are set in stone when considering budgets. Yet, as most good managers will affirm, everything is negotiable. The problem is that each obligation will take time out of your day to haggle with the person on the other end of the conversation. Fortunately, there are effective tactics you can use to speed up the process and bring the budget back in line. Here are three top places to start negotiating.

Whether the country is experiencing high inflation or you want to trim your budget for other reasons, you don’t necessarily need to cut out that daily Starbucks addiction. Instead, concentrate on lowering your bills through the power of negotiation. Most creditors will work with you on everything from how much you pay for television to the amount you shell out for the gym.