Also on Forbes:For help on withholding properly, use the Internal Revenue Service withholding calculator online. Cell phone service Negotiating your cell phone service can be slightly more difficult than doing so with your cable/Internet provider because of the nature of cell phone contracts. As with your cell phone provider, long-standing loyalty can serve you well in negotiations. Look through your credit card and bank statements to identify the offending gray charges and call to cancel the unused subscriptions. Consolidate Your Credit Card DebtThere are two ways to consolidate your credit card debt to potentially lower your monthly payment: a personal consolidation loan or a debt management plan.

Source: Forbes June 13, 2017 16:41 UTC