If a penny saved is a penny earned, then negotiating is a way to both save and earn.

We’ve all heard of negotiating a higher salary, benefits packages, and even furniture at a garage sale. But did you know you can negotiate your credit card interest rate?

What about college tuition?

There are ways to negotiate many expenses on your monthly budget—it just requires a little background and confidence.

This infographic from Self Lender highlights 11 things besides salary you can negotiate to cut costs and add value to your life. Whether it’s lowering your car insurance rate or earning a more accurate job title at work, these things will help improve your personal and financial well-being.

Cut Monthly Expenses

It pays off to be a responsible, loyal, and observant customer. If you regularly pay bills on time and check in on your rates, you’ll easily notice areas where you can save. Sometimes it just takes a simple phone call to pay less for the services you already use.

Improve Your Work-life

When it comes to workplace benefits, ask your employer for opportunities to increase your job satisfaction.

Consider things like working from home one day a week or asking for childcare reimbursement. These tradeoffs may be small costs for your employer, but their value greatly exceeds your current benefits.

Use these tips to add value to areas of your life and don’t be afraid to ask for what you deserve.

Note: If you decided to use this infographic elsewhere, please include attribution to selflender.com.

11 Things You Never Thought You Could Negotiate