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25 Solid-Gold Ways to Save

Some of the best things in life can be free—or blissfully under budget. (Don't miss our updated 2010 guide for more!)
By Anne Kadet
O, The Oprah Magazine  |  From the March 2008 issue of O, The Oprah Magazine

Ask for a break

I'm good about paying bills on time, but this year I got slapped with a late fee for missing a credit card payment. When I called to explain the circumstances (a snafu with my online checking account), the customer service rep immediately dropped the late fee—and asked if there was anything else she could help with.

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