This month, we challenged you to cut back on an expense many people overpay for: Mobile phone service. Before you make the switch, though, there are factors to consider beyond cost.

Negotiation is a messy, stressful process. But redditor B1aze688 breaks it down into three fundamental elements: The deal you want, the deal you'll accept, and what you'll do if you can't get either. Never enter a negotiation before you know all three.

When you budget, you typically organise your finances around the days you get paid and the days your bills are due. If your due dates aren't convenient, many bill providers will allow you to change them.

Late fees can eat into your debt repayment plan, but having a high interest rate is even worse. Yet, most of us are more likely to call and ask to have a late fee waived. Try calling your card issuer and asking for a lower interest rate.

It seems like a long shot, but negotiating rent is more common than you think, and according to insiders, it's always worth a try. You might be able to haggle a better price by offering to do your own maintenance.

When you pay for something super expensive, your budget immediately feels a hit. But there are smaller, more subtle expenses that get incrementally more expensive over time. Trulia points to a few common "money leaks".

Customer loyalty usually doesn't pay off. In fact, Consumerist found that in the US, loyal Pay TV customers generally pay $US10-$20 ($13-$27) more a month. It's worth picking up the phone and asking your Pay TV company for a better deal.

Most banks have accommodating policies for credit card theft. However, it can still be kind of a pain to cancel your card and all of its automatic payments. NerdWallet writer Virginia McGuire has a solution: Designate a specific card for automatic bill pay.

There aren't many drawbacks to automating your finances, but one you occasionally encounter is having to update all of your bills when you get a new credit or debit card. To make it easier, finance writer J.Money suggests making a list of every account linked to your cards.

Electricity retailer Mojo Power launched today in NSW, promising reduced bills and a radically different way of paying for energy. Simply put, Mojo's subscription-based service gives you access to wholesale electricity pricing -- but can it really save you money, and how does it actually work?

We've shown you lots of ways to save money on your power bills, from the drastic to the simple and easy, but the biggest energy sinks around your house are probably the big ones you use most often. This quiz helps you see which of your appliances or comforts uses more energy, and explains how much.

Paying off debt is always going to be a stressful affair. If you set up an overzealous plan to pay it off, though, you could risk your ability to pay off other expenses.

When money is tight, you don't feel like you have much control over anything. You're at the mercy of your bills, debt and other financial obligations. You feel powerless. However, a little action can make a surprising difference.

You don't need most of your crap. I'd usually say "probably" there, but for most people, this is a safe bet. Give yourself a lifestyle purge every once in a while to save yourself money and declutter.

Android/iOS: If you live with roommates, it can be tough to keep track of all your shared expenses, from rent to groceries to maintenance. Splittable organises all of those expenses in one place so you can keep track of how much everyone owes each month.

Ready for another utility bill annoyance? Your water bill might be higher than it needs to be. Even if you think nothing in your house is leaking, do a periodic check to make sure your bill isn't unnecessarily inflated.

Bills, bills, bills! You can't escape them, but you can lower them. Follow these strategies to reduce the amount you have to spend on the essentials.

You can’t perfectly time everything, but you can perfectly time your bills. Seriously, you can. Scheduling your payments for when it best suits you is now even easier, with a little help from BPAY.

Getting your money under control requires organisation, and the key to good financial organisation is to work to a schedule. Here are the essential elements you need to consider to set up your own money management schedule.