One of my biggest complaints with Americans is that they are afraid of asking for a deal.  Many people just want to take the price that the store gives you and that is that.  A big area where you should always ask is your credit card rates.  Just by asking for a lower rate most card companies will shave 5, 10, or 15 percent of the rate you are getting on the card.  Whenever you do call first ask for zero percent.  Be nice and friendly and explain you are trying to get out of debt.  Many times they will come back with a counter offer that is not zero but is tons better than what you have at that point.  If you have racked up a bunch of interest already they will many times give you the 0% for a specific amount of time.  This is a great way to make your payments count more toward the principle and get out of debt faster.