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A financial plan to leave teaching
- Calculate how much you need
- Quickly reduce your expenses
- Feel excited & hopeful about the future
- Take action & start planning
Take a course!
- identify the money blocks that are holding you back
- implement simple systems to pay off debt & build savings
- banish guilt, reduce stress and FEEL GREAT about money
Being able to haggle with Sky could save you money. But many of us feel a bit awkward or even embarrassed at the thought of haggling. But why should we? It simply means to ask for a better deal, and if you don’t ask, you don’t get.
We all need to get used to haggling with our suppliers!
In 2017, Citizens Advice found that loyal broadband customers faced a 43% rise in their payments at the end of their minimum contract.
A survey by Which found that the average person could save £725 per year just by haggling for everyday products and services such as energy, mobile phones and insurances.
It's only £60 a month. It won't make that much difference!
For an average Credit Card debt of £2,500, paying £60 per month over the minimum payment could save you over £3,000 in interest. You would also pay off the balance 20 years sooner!
An overpayment of £60 per month on an average mortgage of £137,000 could save you £7,500 and pay your mortgage off 3 years early. Imagine that.....an extra 3 years with NO mortgage payments.
It is definitely worth haggling!
How to do it:
Step 1 – research deals availabe with different suppliers
- Grab your bills/policies/agreements, so that you have all the details handy
- Use comparison sites to check deals with other suppliers. There are loads of different comparison sites and the companies they compare can vary.
- Compare policies, prices and customer service
This might sound like it is going to take forever, but if you have all the details to hand, then comparing prices is relatively quick and easy.
Step 2 - Start with the easiest to haggle with!
Not all companies are made the same.
Which research suggests that with some companies you have up to a 90% chance of success if you try haggling with them.
The research showed that previous customers have had the following rates of success at haggling with these companies:
Apparently when haggling with the AA or the RAC customers had a 90% success rate! That seems like pretty good odds to me.
Hagging with Sky showed an 86% success rate, while with Admiral/AA insurance it was around an 80% success rate.
The phone/broadband providers didn't fare much better with Virgin Media/ PlusNet/ EE/ Vodafone/ Three all showing an above 75% success rate.
As you can see, the chances of getting a better deal when you haggle with these companies is fairly high, so start with one of them! They are easy to haggle with.
Step 3 – choose your method of getting in touch
- Use a chatbox – it’s easy and gives thinking time
- Phone – it’s more immediate, but you might have to wait to get through
- Email – this is much slower, but means you are more removed from the process
Assume that they want to give you a better deal!
Start the call/chat believing that they want to give you a better deal and that they want to keep you as a customer. This helps you to be a in a positive frame of mind as you start the process, which can only help the situation.
Starting off with a negative attitude means that you are likely to be grumpy and it will be an unpleasant task.
- Be polite
- Tell them you have compared deals and tell them the best price you can get elsewhere
- Think about it – don’t take the first offer.
- Be persistent. Ask if that is the best price that they can do. They will often come up with another offer, when pressed.
- If you don’t get a good deal, ask to be put through to the retentions team. They can often offer better deals
- If you still don’t get a good deal, try again. You might get someone different!
- Remember you can always switch supplier, if haggling with them isn't working.
Haggling with Sky
Haggling with Sky has been fairly popular over the years and many people already realise that you can get a much better deal by simply speaking to them. However, as you can see, it's not just Sky - all these other companies are fairly easy to haggle with too.
Are you up for giving it a shot?
Hi, I’m Eileen Adamson, teacher, money coach and co-host of BBC podcast Clever About Cash. I help female teachers to become happier, healthier and wealthier. Find out how you can provide amazing experiences for your children, feel financially secure and retire early from teaching, while still having enough money to enjoy life right now!