Ramit Sethi has got some great advice for saving hundreds, and maybe even thousands, of dollars with just 5 simple phone calls each year. Here are the companies that you’ll want to consider calling:

1. Cell Phone

2. Gym Membership

3. Cable

4. Credit Cards

5. Insurance

When you get them on the phone, it’s time to negotiate your way to lower rates. Here are some key phrases that Ramit says will increase your success rate:

1. “I’ve been a customer for a long time…”

2. “I’d hate to have to switch…”

3. “What can you do for me?”

Thanks to Lifehacker for the heads up!