1. Clothes

Clothes are expensive, but fortunately, it’s one of many costs that you can negotiate. If you like a particular garment, but you can't afford the price, check the garment closely and look for any imperfection. This can be a pulled string or a stain. Bring this defect to the manager’s attention and ask for a discount. This tactic doesn't always work, but it might result in a lower price.

2. Credit Card Interest Rate

Check the rate on your credit cards. If you have a good credit score and you’re paying more than 13% or 14%, call your credit card company and ask the company to reduce your rate. Unknown to some consumers, credit card rates are negotiable if you have good credit. Reducing your rate decreases how much you pay in interest.

3. Auto Insurance

The rate you receive from an auto insurance company isn't written in stone. The truth is, there are several ways to negotiate a better price, but you have to ask. For example, you can notify your auto insurance company if your credit score improves. This can help you get a lower rate. Additionally, if you drive less than 10,000 miles a year, you may qualify for a better rate.

4. Anything Used

If you shop at retailers that sell used goods, chances are that you're able to negotiate the sticker price of many items. In most cases, these retailers are eager to unload merchandise. Therefore, if a product has been sitting for a while and you offer a fair price, the store might let the item go at a cheaper price. This tactic can apply when shopping at thrift stores, consignment shops, yard sales and even online marketplaces.

5. Refinancing Fees

Are you thinking about refinancing a mortgage loan? If so, your lender will provide a good faith estimate which breaks down your closing costs and your interest rate. This number is typically 3% to 5% of the purchase price. However, there are ways to negotiate cheaper refinance fees. For example, if you’re financing with your existing lender, ask the lender to waive your loan origination fee and other closing costs. Or ask the lender to pay your closing costs in exchange for a higher mortgage rate.

6. Medical Costs

Medical costs vary by facility. Therefore, it's possible to negotiate the cost of certain medical procedures and tests. This is extremely helpful if you don't have health insurance or if you have a high deductible. For example, if you need an MRI, call the hospital and ask about discounts on services. Also, compare prices across different facilities in the area. This can be your bargaining chip, and the hospital may reduce your cost to match their competitor’s fees.

7. Gym Memberships

There are no hard and fast rules regarding gym membership fees. Since these facilities offer different promotions throughout the year, rates can vary greatly among members. Therefore, if you get a gym membership, ask the company to waive your registration fees or discount your monthly rate.

Just about everything is negotiable. However, companies want to make money; therefore, they don’t always advertise ongoing promotions and discounts. It is your responsibility to ask and put on your negotiating hat. What costs have you been able to negotiate?